TW202137098A - Fund credit electronic payment system - Google Patents

Abstract

A fund credit electronic payment system includes a fund host, a credit assessment host and an electronic payment host. The fund host stores fund assets information corresponding to a user account. The credit assessment host offers the user account a credit limit according to the fund assets information. The electronic payment host receives a payment request with a to-be-charged amount corresponding to the user account. The electronic payment host queries the credit assessment host for the credit balance corresponding to the user account, so as to deduct the to-be-charged amount by the credit balance when the credit balance is more than the to-be-charged amount.

Description

Fund Credit Electronic Payment System

The present invention relates to an electronic payment system, in particular to a fund credit electronic payment system, which connects an electronic payment account, a fund account, and a credit account in series.

Electronic payment is a payment tool that can be combined with credit card or cash stored value for electronic payment. However, the electronic payment industry cannot provide credit line or monthly settlement system. It is a payment tool for pay now, so the mode of binding credit card Although the credit card can be used as a monthly settlement system in disguise, the electronic payment industry must pay high handling fees to international credit card organizations and related costs. In addition, for users, the use of cash stored value for electronic payment does not provide the function of cash gain, and the utilization rate of user stored value is relatively low.

In addition, when the user subscribes for funds with the funds in the electronic payment account, the electronic payment account has no funds to spend, and the consumption can only be executed after the fund is redeemed and credited to the account. However, fund redemption cannot be carried out under the existing legal framework. Immediately, it does not meet the needs of instant payment.

At present, banks generally use high-cost credit cards to promote payment services. Banks need to jointly collect customers’ past credit information and grant credit lines. The operation time is lengthy and there are credit risks. In addition, the rapid development of digital financial accounts will erode traditional banking services. Cut off the accumulation of customer information.

An embodiment of the present invention provides a fund credit electronic payment system, including: a fund host, a credit evaluation host, and an electronic payment host. The fund host stores the fund asset information corresponding to the user account. The credit evaluation host receives the fund asset information corresponding to the user account from the fund host to generate a credit limit based on the fund asset information. The electronic payment host receives the payment request corresponding to the user account. The payment request includes the amount to be deducted. The electronic payment host queries the credit evaluation host for the credit balance of the corresponding user account, so that when the credit balance is sufficient to pay the amount to be deducted, the amount to be deducted is deducted based on the credit balance.

In summary, the fund credit electronic payment system proposed in some embodiments of the present invention integrates electronic payment providers, fund manager companies, and banks. Electronic payment providers can get rid of the high processing fees and costs required for binding credit cards and enhance their competitiveness. Fund manager companies can increase fund customer base and increase revenue. Banks can also increase credit loan customers. The user's cash assets can be put into the fund immediately to gain opportunities for gain, and consumption can be spent through credit payments without affecting their fund investment. In addition, since the gold flow records are jointly maintained by the three parties, the safety of users' funds can be better guaranteed. On the other hand, after the cooperation of the three parties, more user information can be obtained and more accurate financial services can be provided. Moreover, through this fund credit electronic payment system, it can comply with the current legal framework and consumer protection regulations, and provide a safe and instant investment and consumption environment.

1, which is a schematic diagram of the structure of a fund credit electronic payment system according to an embodiment of the present invention. The fund credit electronic payment system includes an electronic payment host 1, a fund host 2, and a credit evaluation host 3, and can be operated in cooperation with the terminal device 4. The electronic payment host 1 is managed by an electronic payment provider 6 (as shown in Figure 6) and provides electronic payment functions. The electronic payment function may support offline physical channel transactions, or may support online e-commerce transactions, or may support the above two types of transactions. The fund host 2 is managed by a fund manager company, which performs fund operations on behalf of users. The fund may be, for example, a mutual fund, marketable securities, or the like. The credit evaluation host 3 is managed by the bank 7 and is responsible for reviewing the user's credit information, and then approving the credit limit for the user. The terminal device 4 is an electronic device used by the user, such as a mobile phone, a computer, etc., which can execute an application program or connect to a web server through a browser to provide the user with an operation interface to use the fund credit electronic payment system. The fund credit electronic payment system allows users to create their own user account 50 (as shown in FIG. 2) to perform functions such as electronic payment, credit payment, fund trading, etc., after the terminal device 4 logs in.

2, which is a schematic diagram of a user account 50 of the fund credit electronic payment system according to an embodiment of the present invention. The user account 50 is respectively connected with an electronic payment account 51, a fund account 52, and a credit account 53. The electronic payment account 51 is managed by the electronic payment host 1 and allows users to use the electronic account assets in the electronic payment account 51 to conduct electronic payment transactions or fund transactions. Electronic payment transactions can be carried out through existing methods such as barcode scanning, Near Field Communication (NFC) sensing, etc., which include processes such as identity verification, data encryption, and signature verification. In order to avoid excessive length, I will not elaborate here. The fund account 52 is managed by the fund host 2, allowing users to convert the investment amount into fund assets (fund subscription), or convert fund assets into cash (fund redemption). The credit account 53 is managed by the credit evaluation host 3, and records the user's credit limit and credit balance (or the amount to be repaid), so that the user can still consume within the credit limit and delay payment. The credit balance is the credit limit minus the amount to be repaid.

Refer to Figure 1 and Figure 2 together. The fund host 2 stores fund asset information. The fund asset information corresponds to the user account 50, specifically, the fund account 52 corresponding to the user account 50. The fund asset information includes the fund projects that the user has subscribed for and the number of fund units, etc., in accordance with the current net value of the fund, the current value of the user's fund assets can be known.

The credit evaluation host 3 receives the fund asset information corresponding to the user account 50 from the fund host 2 to generate a credit limit based on the fund asset information. Specifically, the credit evaluation host 3 adjusts the user's credit limit based on the value of the fund assets owned by the user to adjust the credit limit adaptively. The higher the value of the fund’s assets, the higher the user’s ability to repay, thus increasing the user’s credit limit. In addition, the credit evaluation host 3 can also analyze the user's investment model according to the fund asset information, calculate a risk value according to the investment model, and adjust the credit limit according to the risk value. For example, if the investment amount of a fund project with high risk is larger than that of a fund project with low risk, the credit limit is reduced.

In view of the fact that users may have executed fund transactions before consumption, the number of fund units may be changed. In addition, the net value of the fund also continues to change daily. However, the number of fund units and the net value of the fund both affect the value of the fund's assets, and the value of the fund's assets affects the credit limit. Therefore, in some embodiments, the electronic payment host 1, the fund host 2 and the credit evaluation host 3 are connected in real time. The electronic payment host 1 can receive a payment request corresponding to the user account 50 sent by the terminal device 4 (for example, a forward scan code), which includes an amount to be deducted. The electronic payment host 1 queries the credit evaluation host 3 for the credit balance of the corresponding user account 50, so that when the credit balance is sufficient to pay the amount to be deducted, the amount to be deducted is deducted based on the credit balance. In other words, payment is made through the credit balance in the credit account 53 (credit payment).

Here, the amount to be deducted by credit payment can be the full amount of the transaction or a part of the full amount of the transaction. For the other part of the total amount of the transaction, the user can pay by other methods, such as cash, electronic payment, etc., and the present invention is not limited.

In some embodiments, the payment request is generated by the sales host of the merchant 8 (as shown in FIG. 6) (eg, reverse scan code). The sales host can be, for example, a point-of-sale device, an e-commerce website server, and the like. The electronic payment host 1 will also inquire about the user's credit balance and make payment based on the credit, which will not be repeated here.

Referring to FIG. 3, which is a schematic diagram of a consumer payment operation interface according to an embodiment of the present invention. The consumer payment operation interface is presented on the terminal device 4, allowing the user to view the balance in his electronic payment account 51, as well as the credit limit and credit balance of the credit account 53. In addition, the consumer payment operation interface also allows users to select payment methods, such as electronic payment or credit payment, but the present invention is not limited to these two payment methods. The consumer payment operation interface provides a "payment" button 91, which can be triggered by the user, so that the fund credit electronic payment system enters the electronic payment transaction process, and the aforementioned payment request can be generated.

Refer to Figure 4 to Figure 6 together. 4 is a schematic diagram of an account storage operation interface according to an embodiment of the present invention. FIG. 5 is a schematic diagram of a fund redemption operation interface according to an embodiment of the present invention. FIG. 6 is a schematic diagram of the cash flow structure of a fund credit electronic payment system according to an embodiment of the present invention.

As shown in FIG. 4, the user can operate the account stored value operation interface on the terminal device 4 to store value in his electronic payment account 51. The method of storing value can be through bank transfer, store value in supermarket, credit card, etc., but the present invention is not limited to the above method. The user can also determine the purpose of this stored value, for example: as a general value-added purpose, use this amount to subscribe for funds, and use this amount to repay the bank 7 (as shown in Figure 6). After determining the amount of stored value, the method of storing value, and the purpose of storing value, the user triggers the "stored value" button 92 so that the fund credit electronic payment system stores value and subsequent operations on the electronic payment account 51 in the above-mentioned manner. For example, jump to the data input page corresponding to the stored value method for the user to input payment information (such as credit card information, bank account information, etc.). If it is designated for fund subscription, it will further jump to the fund purchase screen, allowing the user to select the fund project and investment amount (or the number of fund units) to be subscribed for.

As shown in FIG. 5, the terminal device 4 can also display the fund redemption operation interface, which can present the fund asset information in the user's fund account 52, and allow the user to select the fund item, amount, etc. to be redeemed. In addition, the fund redemption operation interface can also provide users with the purpose of redemption of funds, such as: depositing value to the electronic payment account 51, or making credit repayment for the amount to be repaid in the credit account 53 that has been deducted. However, the present invention is not limited to this. After the user decides the above option, the "redemption" button 93 is triggered, and the fund credit electronic payment system will perform fund transactions on the fund account 52 in the above manner and process the redemption money accordingly.

1 and 6 together, the user can send a fund transaction request via the terminal device 4 when needed, so as to perform the aforementioned fund purchase or fund redemption operations. The electronic payment host 1 changes the electronic account assets of the corresponding user account 50 to the electronic payment account 51 in response to the fund transaction request. The fund host 2 executes the fund transaction operation in response to the fund transaction request, and updates the fund asset information corresponding to the user account 50 in the fund account 52 according to the fund transaction operation. Specifically, after the user stores value in his electronic payment account 51, the stored value amount will be added to the electronic payment account 51 to form electronic account assets. The user can convert all or part of the electronic account assets into fund assets (that is, fund subscription), so that the fund account 52 has fund assets. On the other hand, the user can convert all or part of the fund assets in the fund account 52 into cash, that is, fund redemption, so that the electronic payment account 51 obtains electronic account assets equivalent to the value of the redeemed fund.

In some embodiments, the terminal device 4 sends a fund transaction request for fund subscription to the electronic payment host 1 and sends a fund transaction request for fund redemption to the fund host 2. However, the present invention is not limited to this. In some embodiments, a fund transaction request as a fund subscription may also be sent to the fund host 2. Similarly, a fund transaction request as a fund redemption can also be sent to the electronic payment host 1.

In some embodiments, the fund transaction request is a setting instruction sent by the user to the fund credit electronic payment system in advance, so that the fund subscription can be automatically executed through the user's preset conditions. For example, when the electronic payment account 51 obtains a new amount of stored value, the fund credit electronic payment system automatically uses the amount of stored value to subscribe to the fund according to the preset designated purchase fund items and investment ratio.

1 and 6 together, based on the fund asset information of the fund account 52, the credit evaluation host 3 of the bank 7 can perform credit evaluation to give the user a credit line, and the credit line is stored in the credit account 53. During consumption, the user can use the electronic account assets of his electronic payment account 51 to pay to the merchant 8 (the "electronic payment" option shown in Figure 3); or use the credit balance in his credit account 53 for credit payment (such as The "Credit Payment" option shown in Figure 3). In the case of using credit payment, the bank 7 will deduct the amount to be deducted from the credit balance in the credit account 53 and advance the payment to the electronic payment provider 6, so that the electronic payment provider 6 will first pay the advance to the merchant 8, and the subsequent users will then The repayment is made to the bank 7 to write off the credit account 53.

With reference to Figure 1, Figure 5 and Figure 6 together, the credit payment function allows the user to delay payment. The bank 7 will request the user to repay the payment within a period of time, such as one month, but the present invention is not limited to this. The user can choose a variety of ways to repay, such as cash transfer to a virtual account provided by the bank 7, payment at the counter in a supermarket, or payment with electronic account assets in the electronic payment account 51, and so on. It is worth mentioning that the user can redeem part of the fund assets in the fund account 52 for repayment (the "Credit Repayment" option shown in Figure 5). Specifically, the terminal device 4 issues a repayment instruction to the fund host 2 so that the fund host 2 executes the fund redemption operation, and the redemption fund value of this fund redemption operation is equivalent to the repayment amount. Fund host 2 can transfer this repayment amount to bank 7 for repayment and cancellation.

In some embodiments, the redemption of the fund as a credit repayment is automatically executed after being set by the user, that is, the fund host 2 can automatically redeem the fund according to the amount of each credit payment transaction accumulated during the period. The funds redeemed by the fund are transferred to the bank 7 for repayment and cancellation.

In some embodiments, the user can select part of the repayment, and the credit assessment host 3 credits interest for the remaining unpaid part.

Referring to FIG. 7, it is a schematic diagram of the structure of a fund credit electronic payment system according to another embodiment of the present invention. In some embodiments, the electronic payment host 1 transmits the user's consumption information (such as consumption details, consumption location, consumption time, etc.) to the credit evaluation host 3, and this consumption information includes electronic payment and credit payment consumption. In addition to the fund asset information, the credit evaluation host 3 also generates a credit limit based on consumption information to adjust the credit limit adaptively.

In some embodiments, based on the consumption information, the credit evaluation host 3 can know the user's consumption details, and can accumulate the consumption amount, and reduce the credit limit corresponding to the increase in the consumption amount. In this way, users can avoid excessive consumption and cause inability to repay. In some embodiments, the accumulated consumption amount refers to consumption of electronic payment, excluding consumption of credit payment. In other words, the credit limit is adjusted according to the accumulated consumption of electronic payment.

In some embodiments, according to the consumption information, the credit evaluation host 3 can analyze the consumption pattern of the user, and calculate a risk value according to the consumption pattern, so as to adjust the credit limit according to the risk value. The analysis of consumption patterns can be based on the consumer product items, consumption time, consumption amount, consumption location and other relations in the consumption information for data analysis. For example, by analyzing the user's stable state of cash flow, if the user frequently consumes at the beginning of the month and is unable to consume at the end of the month, it can be analyzed that the user is at a high risk, thereby reducing the user's credit limit. For another example, the user often buys breakfast in the same area at the same time, which means that the user has a fixed job, which is low risk, and can increase the user's credit limit.

In some embodiments, as shown in FIG. 7, the credit evaluation host 3 generates a restricted redemption amount based on a pending repayment amount that has been deducted from the credit limit. Limiting the redemption amount can be, for example, equal to the amount to be repaid, but the present invention is not limited to this, and it is also possible to increase an allowable amount or decrease an allowable amount on this basis. The fund host 2 restricts the user's fund redemption operations, so that the fund assets in the fund account 52 corresponding to the user account 50 are not less than the restricted redemption amount. In other words, as long as the fund assets in the fund account 52 are not less than the restricted redemption amount, the user can still perform fund redemption operations. In this way, the situation where the user is unable to repay the loan can be avoided.

The electronic payment host 1, the fund host 2, and the credit evaluation host 3 may be composed of a computer device, or two or three of them can be integrated into a computer device. The computer device can be, for example, a server, a server cluster, or a distributed architecture server.

In summary, the fund credit electronic payment system proposed in some embodiments of the present invention integrates electronic payment providers 6, fund manager companies, and banks 7. Electronic payment providers 6 can get rid of the high processing fees and costs required for binding credit cards, and enhance their competitiveness. Fund manager companies can increase fund customer base and increase revenue. Bank 7 can also increase credit loan customers. The user's cash assets can be put into the fund immediately to gain opportunities for gain, and consumption can be spent through credit payments without affecting their fund investment. In addition, since the gold flow records are jointly maintained by the three parties, the safety of users' funds can be better guaranteed. On the other hand, after the cooperation of the three parties, more user information can be obtained and more accurate financial services can be provided. Moreover, through this fund credit electronic payment system, it can comply with the current legal framework and consumer protection regulations, and provide a safe and instant investment and consumption environment.

1: Electronic payment host 2: Fund host 3: Credit evaluation host 4: terminal device 50: User account 51: Electronic payment account 52: Fund account 53: Credit account 6: Electronic payment providers 7: Bank 8: Merchant 91, 92, 93: button

[Figure 1] is a schematic diagram of the structure of a fund credit electronic payment system according to an embodiment of the present invention. [Figure 2] is a schematic diagram of a user account of a fund credit electronic payment system according to an embodiment of the present invention. [Figure 3] is a schematic diagram of a consumer payment operation interface according to an embodiment of the present invention. [Figure 4] is a schematic diagram of an account storage operation interface according to an embodiment of the present invention. [Figure 5] is a schematic diagram of a fund redemption operation interface according to an embodiment of the present invention. [Figure 6] is a schematic diagram of the cash flow structure of a fund credit electronic payment system according to an embodiment of the present invention. [Figure 7] is a schematic diagram of the structure of a fund credit electronic payment system according to another embodiment of the present invention.

1: Electronic payment host

2: Fund host

3: Credit evaluation host

4: terminal device

Claims (10)

A fund credit electronic payment system, including: A fund host, storing information about a fund asset corresponding to a user account; A credit evaluation host receives the fund asset information corresponding to the user account from the fund host to generate a credit limit based on the fund asset information; and An electronic payment host receives a payment request corresponding to the user account. The payment request includes a deduction amount. The electronic payment host queries the credit evaluation host for a credit balance corresponding to the user account to obtain the credit When the balance is sufficient to pay the amount to be deducted, the amount to be deducted shall be deducted based on the credit balance. The fund credit electronic payment system according to claim 1, wherein the electronic payment host responds to a fund transaction request to change an electronic account asset corresponding to the user account, and the fund host executes a fund transaction operation in response to the fund transaction request, and Update the fund asset information corresponding to the user account according to the fund transaction operation. The fund credit electronic payment system according to claim 1, wherein the electronic payment host records consumption information corresponding to the user account, and transmits the consumption information to the credit evaluation host, and the credit evaluation host is based on the fund asset information And the consumption information generates the credit limit. The fund credit electronic payment system according to claim 3, wherein the credit evaluation host accumulates a consumption amount based on the consumption information, and reduces the credit limit in response to the increase in the consumption amount. The fund credit electronic payment system according to claim 3, wherein the credit evaluation host analyzes a consumption pattern according to the consumption information, and calculates a risk value according to the consumption pattern, so as to adjust the credit limit according to the risk value. The fund credit electronic payment system according to claim 1, wherein the credit evaluation host analyzes an investment model according to the fund asset information, and calculates a risk value according to the investment model, so as to adjust the credit limit according to the risk value. The fund credit electronic payment system according to claim 1, wherein the credit evaluation host calculates a fund asset value based on the fund asset information, and adjusts the credit limit according to the fund asset value. The fund credit electronic payment system according to claim 1, wherein the credit evaluation host generates a restricted redemption amount based on a pending repayment amount that has been deducted from the credit limit, and the fund host restricts a fund redemption operation so that A fund asset corresponding to the user's account is not less than the restricted redemption amount. The fund credit electronic payment system according to claim 1, wherein the fund host performs a fund redemption operation, and a redemption fund value of the fund redemption operation is equivalent to a repayment amount. The fund credit electronic payment system according to claim 9, wherein the fund redemption operation is periodically executed at intervals of one period.

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