TW202141399A - Fund redemption system and method thereof - Google Patents

Abstract

A fund redemption system, comprises: a database, a server and a mobile device. The database stores a user information, wherein the user information includes a recurrent expenditure. The server is in communication connection with the database, the server is configured to output a first figure, wherein the first figure is associated with a contract content. The mobile device has a camera unit; the camera unit is configured to shoot the first figure to obtain an image of the first figure. The camera unit obtains a second figure based on the image, wherein the second figure is associated with the contract content. The mobile device overlaps the first image and the second image to present the contract content. The mobile device further obtains and outputs a confirmation command corresponding to the contract content. The server calculates a payment amount based on the recurrent expenditure after receiving the confirmation command from the mobile device, and performs a fund redemption procedure to redeem the payment amount. The server transfers the payment amount to a bank account corresponding to the recurrent expenditure after performing the fund redemption procedure.

Description

Fund redemption system and method

The present invention relates to a fund redemption system and method, and particularly relates to a fund redemption system and method that avoids leakage of contract content.

When the balance of the deposit account designated by the customer exceeds the flexible fund setting, the customer can use the balance flexibly according to the existing technology, for example, automatically subscribe to the currency fund for the amount exceeding the flexible fund. In addition, customers can also agree to pay other fees from the designated deposit account, such as credit card fees, telecommunication fees, water fees, electricity fees, gas fees and other recurring fees. Under the existing mechanism, although customers can pay various fees by increasing the amount of flexible funds, if the customer forgets to adjust the amount of flexible funds, it will easily lead to problems such as failed deductions or related delayed fees.

In addition, whether the customer is applying to automatically subscribe for a currency fund with an amount exceeding the flexibility fund, or agreeing to pay a recurring fee with an amount exceeding the flexibility fund, they must first read and confirm the relevant contract content. However, if the content of the contract is presented in paper, as long as the interested parties obtain the paper contract, the confidential content of the contract may be leaked; and if the content of the contract is mailed to the customer’s e-mail in the form of an electronic file, the content of the contract may be compromised. Hacker interception may also lead to leakage of confidential content.

In view of the above, the present invention provides a fund redemption system and method to meet the above needs.

A fund redemption system according to an embodiment of the present invention includes: a database storing user data, the user data including a recurring payment item; a server, which is communicatively connected to the database, and the server is used for The user data outputs a first picture, wherein the first picture is associated with a contract content; and a mobile device having a camera element for capturing the first picture so as to be associated with the first picture. An image of a drawing surface, the mobile device obtains a second drawing surface corresponding to the first drawing surface based on the image, wherein the two drawing surfaces are associated with the contract content, and the mobile device overlaps the second drawing surface to the first drawing surface A picture to present the contract content, the mobile device obtains and outputs a confirmation command corresponding to the contract content, wherein the server calculates based on the recurring payment item after receiving the confirmation command from the mobile device A payment amount, and a fund redemption procedure is executed to redeem the payment amount. The server transfers the payment amount to a financial account corresponding to the recurring payment item after executing the fund redemption procedure.

The fund redemption method according to an embodiment of the present invention is applicable to a fund redemption system, wherein the fund redemption system includes a database, a server, a display device and a mobile device, and the fund redemption method includes: Use the server to obtain a user data from the database based on a payment instruction, where the user data includes a recurring payment item; use the server to output a first image to the display device based on the user data, wherein the second A picture is associated with a contract content; the first picture is displayed by the display device; the first picture is captured by a camera element of the mobile device to obtain an image related to the first picture; the action is The device obtains a second drawing corresponding to the first drawing based on the image, wherein the two drawing is associated with the contract content; using the mobile device to overlay the second drawing on the first drawing to present the contract Content; Obtain and output a confirmation command corresponding to the contract content with the mobile device to the server; use the server to calculate a payment amount based on the recurring payment item, and execute a fund redemption procedure to redeem the payment Amount; and the server transfers the payment amount to a financial account corresponding to the recurring payment item.

In summary, according to the fund redemption system and method shown in one or more embodiments of the present invention, even if the customer forgets to adjust the amount of the flexible fund, he can redeem the required amount from the fund to pay for the regular Sexual expenses, to avoid deduction failure or derivative related delay expenses. In addition, according to the fund redemption system and method shown in one or more embodiments of the present invention, when the customer needs to read and confirm the content of the relevant contract, whether the contract is presented in the form of paper or electronic files, It can prevent the content from being intercepted by hackers, leading to the leakage of confidential content.

The above description of the disclosure and the following description of the implementation manners are used to demonstrate and explain the spirit and principle of the present invention, and to provide a further explanation of the patent application scope of the present invention.

The detailed features and advantages of the present invention will be described in detail in the following embodiments. The content is sufficient to enable anyone familiar with the relevant art to understand the technical content of the present invention and implement it accordingly, and in accordance with the content disclosed in this specification, the scope of patent application and the drawings Anyone who is familiar with relevant skills can easily understand the purpose and advantages of the present invention. The following examples further illustrate the viewpoints of the present invention in detail, but do not limit the scope of the present invention by any viewpoint.

Please refer to FIGS. 1 and 2 together, in which FIG. 1 is a block diagram of a fund redemption system according to an embodiment of the present invention; FIG. 2 is a block diagram of a fund redemption method according to an embodiment of the present invention flow chart.

The fund redemption system shown in FIG. 1 includes a server 10, a database 20, a display device 30 and a mobile device 40. The server 10 is communicatively connected to the database 20, the display device 30 and the mobile device 40. In detail, the server 10 is, for example, a bank's server; the database 20 is, for example, a bank's database, which stores multiple user data and contract data, etc.; the display device 30 is, for example, a computer or other device with a display; a mobile device 40 is, for example, a device such as a smart phone or a tablet computer that has a camera and is installed with an application program. The mobile device 40 is connected to the server 10 by the application program to receive and transmit data.

Please refer to step S10 in FIG. 2: Obtain user information from the database based on the payment instruction.

The server 10 obtains user data from the database 20 based on a payment instruction, and the user data includes a recurring payment item. The server 10 may obtain the payment instruction from the application program of the mobile device 40, and the payment instruction is, for example, payment recurring. Instructions for payment items. In other words, after the user enters a payment instruction in the application of the mobile device 40, the server 10 is notified that he wants to make an appointment to redeem part of the bank account balance or the fund he purchased to pay for the recurring payment item. The recurring payment items are, for example, water bills, electricity bills, gas bills, credit card fees, insurance premiums, and settlement payments for stock purchases. After the server 10 receives the payment instruction, it can subsequently determine the amount to be redeemed based on the recurring payment items.

Step S13: Output the first picture based on the user profile.

After the server 10 knows the user information, it can output a first picture, where the first picture is associated with a contract content. That is, if the user makes an appointment to redeem part of the balance of the bank account or the fund he purchased to pay for the recurring payment item, the user must first confirm whether the relevant contract content is correct, so that the bank is confirming the user After the requirements are correct, the relevant operating procedures can be executed.

Step S15: Display the first picture.

The above-mentioned first picture may be presented by the display device 30, and the first picture may also be presented in a paper format. It should be noted that the display device 30 of the fund redemption system shown in the present invention may be selectively installed, that is, if the first drawing is presented in paper form, the display device 30 may not be installed and omitted. In step S15, the present invention does not limit the presentation mode of the first picture.

Step S17: Take a picture of the first picture to obtain an image associated with the first picture.

The camera element of the mobile device 40 can shoot the first image to obtain the image associated with the first image, and the camera element of the mobile device 40 only needs to be aligned with the first image and the screen of the mobile device 40 can present the complete first image. The image of a drawing, that is, the image of the first drawing can be static or dynamic. The present invention does not limit the presentation of the image of the first drawing, where the first drawing includes an identification code and a basic content layer , And the basic content layer is part of the contract content.

Step S19: Obtain a second picture corresponding to the first picture based on the image.

After the application program of the mobile device 40 obtains the image of the first image, it selects one of the plurality of preselected images as the second image based on the identification code of the first image in the image. That is, the mobile device 40 will select the corresponding second drawing according to the identification code of the first drawing, and the second drawing includes a confidential content layer corresponding to the basic content layer, and the confidential content layer includes another content of the contract. a part.

Step S21: Overlap the second picture on the first picture to present the content of the contract.

After the mobile device 40 obtains the first drawing and the second drawing, the second drawing is overlapped on the first drawing to obtain the complete contract content. According to this step, by obtaining the complete contract content in a distributed manner, the more confidential contract content (confidential content layer) can be protected to prevent the confidential content from being read by irrelevant people, leading to data leakage.

Step S23: Obtain and output a confirmation instruction corresponding to the content of the contract.

That is, after the mobile device 40 presents the complete contract content, the mobile device 40 may require the user to input a confirmation command to obtain the confirmation command corresponding to the contract content and output it to the server 10, where the confirmation command may be from a bank account For account password or signature, etc., the present invention does not limit the form of the confirmation instruction. The operation of this step will be described in detail in Figure 3 below.

Step S25: Execute the fund redemption procedure to redeem the payment amount.

After receiving the confirmation instruction, the server 10 determines that the user has confirmed that the content of the contract is correct. Therefore, the server 10 can calculate the payment amount based on the recurring payment item, where the payment amount is the amount to be redeemed. After calculating the payment amount, the server 10 can execute the fund redemption program to redeem funds at least equal to the payment amount. The recurring payment item includes a payment period, and the server 10 completes the fund redemption before the payment period. Back to the program.

In detail, after the server 10 receives the confirmation instruction, it indicates that the user has confirmed that the flex money of the designated deposit account should be used to pay the recurring fees, and the server 10 can pay the recurring fees when the flex money is insufficient , To redeem part or all of the funds from currency funds, etc., to avoid problems such as delays related to derivatives caused by insufficient flexible amount.

Step S27: Transfer the payment amount to the financial account corresponding to the recurring payment item.

After the funds are redeemed, the server 10 can transfer the payment amount to one or more financial accounts corresponding to the recurring payment items to pay for the recurring payment items. In other words, if the recurring payment items include water and electricity charges, the server 10 transfers the payment amount to a water company, an electric power company, and other institutions to pay for these recurring payment items.

Accordingly, users can flexibly use their funds and deposits, and pay bills as scheduled. In addition, when you read the content of the contract, you can prevent the basic content and confidential content of the contract from being read by interested parties at the same time, thereby avoiding the leakage of confidential information.

Please refer to FIG. 3, which is a flowchart of an embodiment of step S23 in FIG. 2.

Step S23 shown in FIG. 2 is: obtaining and outputting a confirmation instruction corresponding to the content of the contract.

Step S2301: Obtain a confirmation instruction from the confirmation field layer.

That is, when the mobile device 40 obtains the second picture in step S19, it may further select one of a plurality of preselected pictures as a third picture according to the identification code based on the first picture in the image, and the third picture The drawing includes one or more confirmation field layers. It should be particularly noted that the multiple preselected drawings described herein are different from the aforementioned preselected drawings corresponding to the second drawing. The confirmation field layer of the third image is used to obtain confirmation commands, where the form of the confirmation commands is, for example, account passwords or signatures. The first, second, and third views shown in FIGS. 2 and 3 will be further described in FIGS. 4A to 4D. After the application program of the mobile device 40 obtains the image of the first picture, it selects one of a plurality of preselected pictures as the second picture based on the identification code of the first picture in the image

Step S2303: Output the first picture and the third picture including the confirmation command to the server.

After the mobile device 40 obtains the confirmation command from the confirmation field layer of the third drawing, the mobile device 40 outputs the first drawing and the third drawing including the confirmation command to the server 10 together.

Step S2305: Determine whether the confirmation commands of the first picture and the third picture are consistent with the user data.

After the server 10 receives the first picture and the third picture containing the confirmation command, it can determine whether the first picture is the first picture previously output; and whether the confirmation command of the third picture is the previous one. Pre-stored instructions. That is, the user information preferably includes the first picture corresponding to the recurring payment item, as well as the pre-stored user’s account password, and/or the pre-stored user’s name and signature handwriting. The server 10 can determine from the third picture Whether the received account password is a pre-stored account password, or whether the content and handwriting of the signature received from the third image are consistent with the previously stored content and handwriting, so as to determine whether the first image and the third image are Confirm whether the instruction complies with the user profile. In addition, the user information may further include the user's address, telephone number, ID card number, etc., and the present invention does not limit the content of the user information.

When the server 10 determines that the confirmation instructions of the first picture and the third picture are consistent with the user data, the server 10 may continue to execute step S25: execute the fund redemption procedure to redeem the payment amount.

Conversely, when the server 10 determines that the confirmation command of the first picture or the third picture does not conform to the user data, the server 10 may perform step S2307: output a notification or step S2309: output another third picture.

In detail, when the server 10 determines that the first picture does not match the user data, it means that the mobile device 40 transmits an incorrect picture, and the server 10 can perform step S2307 to output a notification to the mobile device 40 to notify the user The drawing is wrong.

If the server 10 determines that the confirmation command of the third picture does not match the user data, the server 10 may perform step S2309 to output another third picture to the mobile device 40 to request the confirmation command again.

Accordingly, the server 10 can double judge the legality of the confirmation commands of the first picture and the third picture to ensure that the user himself receives the content of the contract and that the user himself confirms the content of the contract.

Please refer to FIG. 1 and FIG. 4A together, in which FIG. 4A is an example diagram of the first drawing according to an embodiment of the present invention.

The first image F1 includes the identification code IF and the basic content layer A1. The identification code IF shown in Figure 4A is, for example, the numbers "21", "30" and "47", and each number is drawn in a different image. It should be noted that the identification code IF shown in FIG. 4A is only an example, the identification code IF can be one or more, and the identification code IF can be set in each position of the first image F1, and the style of the identification code IF can be It is realized by colors, numbers, characters, graphics, symbols, etc., or a combination thereof, and the present invention does not limit the style of the identification code IF.

In detail, the image captured by the imaging element of the mobile device 40 is the first image F1, and the server 10 can subsequently determine whether the first image F1 is the output image based on the identification code IF.

The basic content layer A1 is preferably the contract content without confidential information as shown in FIG. 4A. Therefore, even if the content shown in the first image F1 is read by the interested person, it will not cause the leakage of confidential information.

Please refer to FIG. 1 and FIG. 4B together, in which FIG. 4B is an example diagram of the second drawing according to an embodiment of the present invention. Shooting

Based on the identification code IF, the mobile device 40 selects one of the multiple preselected images as the second image F2, that is, the mobile device 40 selects the image with the same identification code IF from the multiple images as the second image. Picture F2, the identification code IF shown in the second picture F2 is only an example. The mobile device 40 can also find the picture with the identification code IF in the lower right corner and use it as the second picture F2. The basis for the mobile device 40 to search for the second picture F2 is not restricted.

The second picture F2 further has a confidential content layer A2, and the confidential content layer A2 is preferably confidential identity data, where the content presented in the confidential content layer A2 is, for example, the account name, the unified ID number, and the contact number in the user information. And the deposit account number, etc., the present invention does not limit the content presented in the confidential content layer A2.

Please refer to FIG. 1 and FIG. 4C together, in which FIG. 4C is an example diagram of the third drawing according to an embodiment of the present invention.

It should be noted that, for ease of understanding, the second and third images F2 and F3 shown in FIGS. 4B and 4C are described separately. However, in actual operation, the second and third images F2 and F3 Preferably, they are output to the mobile device 40 together. In addition, the third picture F3 may optionally be provided with the same identification code IF as the second picture F2 and the third picture F3, and the confirmation field layer CC of the third picture F3 may be one or more. And it can be located in other positions on the third drawing F3, and the present invention does not limit the setting position and the setting number of the confirmation field layer CC on the third drawing F3.

The third image F3 shown in FIG. 4C has a confirmation field layer CC. The confirmation field layer CC is preferably used to obtain a confirmation command from the user to determine whether the user has read and confirmed the content of the contract. The confirmation field layer CC is, for example, a field for requesting signatures as shown in Figure 4C, but the confirmation field layer CC can also be a field for requesting account and password, etc., or for inputting biometric signals (for example, fingerprint recognition, face recognition, etc.). For commands such as feature recognition, voiceprint recognition, etc.), the server 40 can obtain the confirmation command from the confirmation field layer CC.

Please refer to FIG. 1 and FIGS. 4A to 4D together, in which FIG. 4D is an example diagram of combining the first, second, and third surfaces according to an embodiment of the present invention.

In detail, after the mobile device 40 receives the first picture F1, the second picture F2, and the third picture F3, the mobile device 40 preferably overlaps the three pictures so that the mobile device 40 can be combined. The identification code IF, the basic content layer A1, the confidential content layer A2, and the confirmation field layer CC are presented to present the complete contract content as shown in FIG. 4D. According to this, not only can the content of the contract be obtained in a distributed manner to avoid leakage of confidential information, but also the user can still read the complete content of the contract, and by returning the first picture F1 and the third picture F3 The method to the server 10 can return the confirmation document in a safer manner.

In summary, according to the fund redemption system and method shown in one or more embodiments of the present invention, even if the customer forgets to adjust the amount of the flexible fund, he can redeem the required amount from the fund to pay for the regular Sexual expenses, to avoid deduction failure or derivative related delay expenses. In addition, according to the fund redemption system and method shown in one or more embodiments of the present invention, when the customer needs to read and confirm the content of the relevant contract, whether the contract is presented in the form of paper or electronic files, It can prevent the content from being intercepted by hackers, leading to the leakage of confidential content.

Although the present invention is disclosed as above in the foregoing embodiments, it is not intended to limit the present invention. All changes and modifications made without departing from the spirit and scope of the present invention fall within the scope of the patent protection of the present invention. For the scope of protection defined by the present invention, please refer to the attached patent scope.

10: Server 20: Database 30: display device 40: mobile device F1: First picture F2: Second picture F3: The third picture A1: Basic content layer A2: Confidential content layer CC: Confirm field layer IF: identification code

FIG. 1 is a block diagram of a fund redemption system according to an embodiment of the present invention. FIG. 2 is a flowchart of a method for redemption of funds according to an embodiment of the present invention. FIG. 3 is a flowchart showing an embodiment of step S23 in FIG. 2. FIG. 4A is an exemplary diagram of the first drawing drawn according to an embodiment of the present invention. FIG. 4B is an exemplary diagram of the second drawing according to an embodiment of the present invention. FIG. 4C is an exemplary diagram of the third drawing drawn according to an embodiment of the present invention. FIG. 4D is a diagram illustrating an example of combining the first drawing, the second drawing, and the third drawing according to an embodiment of the present invention.

10: Server

20: Database

30: display device

40: mobile device

Claims (10)

A fund redemption system includes: a database storing user data, the user data including a recurring payment item; a server, which is communicatively connected to the database, and the server is used to output a first based on the user data A picture in which the first picture is associated with a contract content; and a mobile device having a camera element used to capture the first picture to obtain an image associated with the first picture, The mobile device obtains a second image corresponding to the first image based on the image, wherein the two images are associated with the contract content, and the mobile device overlaps the second image on the first image to present the Contract content. The mobile device obtains and outputs a confirmation instruction corresponding to the contract content. After receiving the confirmation instruction from the mobile device, the server calculates a payment amount based on the recurring payment item, and executes it A fund redemption procedure is used to redeem the payment amount, and the server transfers the payment amount to a financial account corresponding to the recurring payment item after executing the fund redemption procedure. The fund redemption system according to claim 1, wherein the first picture includes an identification code and a basic content layer, and the mobile device obtains the second picture system corresponding to the first picture based on the image: the The mobile device selects one of a plurality of preselected images as the second image based on the identification code in the image, wherein the second image includes a confidential content layer corresponding to the basic content layer, and the basic content The layer contains one part of the contract content, and the confidential content layer contains another part of the contract content. The fund redemption system according to claim 1, wherein the mobile device further obtains a third drawing corresponding to the first drawing based on the image, and the third drawing includes a confirmation field layer for obtaining For the confirmation command, the mobile device outputs the first drawing surface and the third drawing surface to the server after obtaining the confirmation command from the confirmation field layer. The fund redemption system according to claim 3, wherein after the server receives the first picture and the third picture, the server further determines the first picture and the third picture To confirm whether the instruction conforms to the user data, the server executes the fund redemption procedure after judging that the first picture and the confirmation instruction conform to the user data. The fund redemption system according to claim 1, wherein the recurring payment item includes a payment deadline, and the server completes the fund redemption procedure before the payment deadline. A fund redemption method is applicable to a fund redemption system, wherein the fund redemption system includes a database, a server, a display device, and a mobile device. The fund redemption method includes: using the server based on a The payment instruction obtains a user data from the database, where the user data includes a recurring payment item; and the server outputs a first picture based on the user data to the display device, wherein the first picture is associated with a Contract content; display the first picture with the display device; take the first picture with a camera element of the mobile device to obtain an image associated with the first picture; use the mobile device to obtain a pair based on the image It should be a second picture of the first picture, where the two pictures are related to the contract content; the mobile device overlaps the second picture on the first picture to present the contract content; the mobile device Obtain and output a confirmation command corresponding to the content of the contract to the server; use the server to calculate a payment amount based on the recurring payment item, and execute a fund redemption procedure to redeem the payment amount; and use the server The device transfers the payment amount to a financial account corresponding to the recurring payment item. The fund redemption method according to claim 6, wherein the first image includes an identification code and a basic content layer, and the mobile device obtains the second image system corresponding to the first image based on the image: The mobile device selects one of a plurality of preselected images as the second image based on the identification code in the image, wherein the second image includes a confidential content layer corresponding to the basic content layer, and the The basic content layer contains one part of the contract content, and the confidential content layer contains another part of the contract content. The method for redemption of funds according to claim 6, wherein the mobile device further obtains a third image corresponding to the first image based on the image, and the third image includes a confirmation field layer, according to the action The device obtains and outputs the confirmation command corresponding to the content of the contract to the server system: use the mobile device to obtain the confirmation command from the confirmation field layer; and use the mobile device to obtain the first image and the confirmation command containing the confirmation command The third picture is output to the server. The fund redemption method according to claim 8, wherein before the fund redemption procedure is executed by the server, the fund redemption method further includes: judging the first picture and the third picture by the server Whether the confirmation instruction of the server matches the user data; and when the server determines that the first picture and the confirmation instruction match the user data, the server starts to execute the fund redemption procedure. The fund redemption method according to claim 6, wherein the recurring payment item includes a payment period, and the server completes the fund redemption procedure before the payment period.

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