TW381240B - Automatic payment method and apparatus - Google Patents

Abstract

A kind of automatic payment system which comprises a signal processing center to maintain the on-line electronic files of financial account in the financial organization that can respond to the on-line subscriber's instruction received by the signal processing center to transfer from the subscriber's account to the assigned remittee.

Description

V. Description of the invention (1) Scope of the invention The present invention relates to an automated payment system, and in particular, the subscriber's online instructions respond quickly to release the payment to the named payee. 2. Description of the Related Art The largest amount of financial fathers per day is self-payment. Most of the amount is through the checking account, and the person] ^ a considerable amount of time to write 'records, fill in the address, post boast, the financial machine also takes time to announce and pay; time, book ,, and forward the check for payment. Due to postal delays, some loss of per capita monetary value; the payer must first wear the shirt and avoid the penalty of overdue payment; the payee loses time when receiving the payment. Such manual work causes financial institutions and parties to be quite personal5, the time required and the unpleasant delays and delays in the payment itself. As electronic commerce is gradually accepted and electronic transfer is simple, a method and device that can provide individual users with sub-mode access, authorization, and payment directly to the user's identifier is needed. This system can substantially reduce labor and costs' to the benefit of all parties to the transaction. DISCLOSURE OF THE INVENTION One object of the present invention is to provide an automated payment system for online access to the accounts and fees held by financial institutions, so that the account (wire transfer) can be used to authenticate the payee. Another aspect of the present invention provides an automated transfer to a user for payment processing. Spending a check to a creditor The payee must pay the payer and the payee to allow the postal and cash check to pay the large expenses. It has been experienced that often due to the time required between financial institutions to power and authorize the payment system from their accounts, users are directly authorized to transfer electronic accounts.

V. Description of the invention (2) There are t sinks! — Mutual.com automatically accepts users' wire transfers as payment. Yet another object of the present invention is to provide users with the available accounting system and to ensure user convenience and security. This is to reduce the current costs associated with checking account transactions and to extend the clarity of the user's account in a financial institution is managed by a program-controlled electronic database for the user to use a reliable computer to control the account designated by the user to transfer the account money to the user. Respond, and based on the accounting recognition of financial institutions ^. In addition, according to the present invention, the accountant recognizes that the user must have sufficient deposit in the financial credit line to pay the amount. According to the present invention, the system allows the user to pay from the user's designated deposit account (DDA) in the United States. 'System, can be transferred to the receivable device of the cashier for one purpose. According to the centralization of this issue, the beneficiary account transfer holds a credit. Reusing cards or inventions is another mistake. According to the present invention, the user can use the dial-up network to encrypt communication through the public telephone exchange shoulder (PTSN) or use the Internet to access. According to the present invention, all user-specified transactions are recorded in the Fraud Early Warning (FEW) database, and analyzed by a program-controlled computer based on the algorithm entered by the operator to detect the existence of fraud transactions. The automatic payment system of the present invention provides a forum for margin transactions to perform 'transfers' and minimizes manual transfer operations. The system provides regular payouts that can be generated immediately or to future / years. All payments can be easily and easily executed directly by the user, from their location. Other objects, features, and functions of the present invention will be apparent from the detailed description of the preferred embodiment and the accompanying drawings.

C: \ ProgramFiles \ Patent \ 1033-2133-P.ptd page 5 Description of the invention (3) Simple illustration of the diagram The first picture is the automatic payment of the present invention; Fig. 2 is a flowchart showing the steps of the system in Fig. 1; Fig. 3 is a flowchart showing the steps related to the alternative in Fig. 2; Fig. 4 is a flowchart showing the steps in Fig. 1 and the system and the steps; Figure 5 shows the implementation of the system of Figure 1 as a common information display diagram; Figure 6 shows the system of Figure i = Function List 1; Function Flowchart; "Implementing the one listed in Figure 5-Selection Fig. 7 is the continuation of the flow chart of Fig. 6. Fig. 8 is the continuation of the flow chart of Fig. 7 .: ,, Figs. 9A to 9C are the second part of Fig. I. Figs. 10A to 10C are the parts of Fig. 丨The list of functions to be executed; Figure 11 is a list of functions that are performed separately by the system of Figure 1; The list of functions that perform the best mode of the present invention is also executed. Referring to Figure 1, the present invention ^ Heart 12, which is regulated by financial institutions, 'System 1 10 includes a signal processing memory device 16, each of which is connected to a plurality of computers 14 and memory processors. Computer 14 will process Heart 12 through right = (LAN 18) back to each other U / 0) Device 2 and 23 to adjust the multiple input / output two on the connector;: 2Λ N) Digital signal line 28, such as swollen interface knife-Ji Λ father Data. The transaction data is stored in the memory device 16. The server 14 and authorized users "retrieve ..." through the input / output interface. Supervision and control of processing center 12, including input and retrieval of domain data

IC: \ PrograinFiles \ Patent \ 1033-2133-P.ptd Page 6 of the 'Invention (4) Take' can be provided through a local area network control servo 30 directly connected to the LAN 18, and provide signals for operation and input Immediate response, the command signal and data signal input through the input device 32 or the operator's input from the input device 36 through the remote network control server 34, which is connected through the designated line 28 and the input / output device 2 3 Go to LAN server 3 〇. According to the present invention, the operator can obtain the authorized management center 12, 21, or indirect route 28 and the network service center 40 through the write access processing to one or several devices 48 and type the following. For transactions, the automatic payment system also includes a customer service center 40 to provide assistance to customers using the payment system. Operation of the customer center The regional customer server 42 connected to the network control server 30 reads the information of the customer center. The client servo 42 responds through a bus 44 and a workstation 46, and each station responds to the operator's turn-by-load signal, including a command signal and a data signal. Explanation: The user (customer) of each payment system can dial from the financial machine and use the personal computer 50 to access via the data machine 52. Directly connect the input / output ptsn mai through PTSN 24. Set the PTSN to a network The road service provider 54 goes to the internet input / output device 22. The user accesses the processing center / service representative to monitor to provide assistance to implement the \ or quality control services. Tongue service A complete set of system access functions of a telecom service provider ’s capabilities and rights Financial management: Management month :: Current customer account. This includes restricting special policies that are given to individuals, either by the user's condition or by legal regulations. These restrictions can be flexibly adjusted to allow individuals to access a wide range of levels. This display. It is best to provide service center presence or field Q regulations

Description of the invention (5) device (such as DCF Chuan 3 # identification), ° in w) and Shao (automatic number identification, such as dialing a person to display customer information in the servo 42 can be paired with the telephone system / I VR ,,, "The payment system is used to make customers of financial institutions, also known as DDAs, as customers: using card accounts and additionally, one or more designated deposit account payees' financial institutions (ie "Payment institution") transfer to at least the customer = the user must have a bank business with the payment institution to make up for the specified payment; = have a credit card account, and if necessary, appeal to someone. Γ), if authorized by the user, as a payment To receive-payment = designated payment account source can be set up in the payment structure. Financial institutions ("payees") or other users can register for the payment system. Once you have set up a credit card account, you need to: (1) Submit a past credit questionnaire (2) Provide account holders / information (3) Provide the following personal information, including: Α) Name B) Address C) Telephone Number D) Credit card account number of the bank E) Identification code (CVC) and / or card identification value (CVV) F) Mother's last name

V. Description of the invention (6) G) Birth date H) The first school attended I) Authorized bank account (AB A) other than the bank's designated payment account J) Checking account account Personal computer configuration and / or machine 々Ϊ 田 々 Ϊ ^ After 'customers have a web browser program, and a personal computer with 8M Ρ Λ road software, the personal computer should have at least 15MB storage space,. (^ Machine access memory)' 486 microprocessor , And ^ Douyu ... The software directory of Shukangjikou needs to continue to operate, and it is best to set the display to at least 8O ^ 60G pixels. It is best to run Windows (registrar of Microsoft Corp. 7 v μ and above) and Macintosh (registered trademark of Apple Computer) system (.X _ or above.) Ϊ́: You can call the service center 'to Internet connection processing center, or η registration. When registering by telephone, the customer representative who presents the credit card number card can access the user's credit card account information and personal information. User secret # 为 进 给 # m + paper n. From: The user's address is ready to use the check (CHEX) that is also verified. After entering the call type to the processing center after the business, you can start the credit inquiry routine to determine whether the current credit card status of the user is one. Passed through) or 21 (rejected) status code. In addition, CHEX verification is completed. If the card number has not passed the credit card status or CHEX verification, the user cannot currently use this ~ service. If the customer meets all credit status requirements, the user That is, it is read to verify its CVV number, which is a number randomly assigned to the customer, and the name of the first school attended by the user and the type of software the customer needs. Business

V. Description of the invention (7) The order-request code, which is a unique price structure used. If there is a shortage of personnel, including when the user highlights the bill in the future or a message appears on the glory screen, the system will have 2 jobs between the repair screens with incomplete columns. Registration screen and information The registration procedure followed by the salesperson to display the bank information glory with the bank account number. Business ^ our bank aba # and checking account number (up to 5), and honour the account you want to use on your screen. The options will be selected from the power. If you can verify the owner of the checking account, compare the 5 ’s, like. , The clerk expected. A message will be displayed on the screen, asking if ': == account credit card clerk then select Yes (Yes) "〇 (No) If it is not used as the account of the account, you may not have the correct account, account, business or request other than the bank The designated payment account number is used as the account; the first two accounts of the non-round account will receive a postcard-type registration mail with a scanning line,: 乂 :: (similar to a personal identification number PIN sender). The user then sends back the blank check card that was processed on the. , Inch-Zhang Zuo The function key enables the system to accept [also known as "general payment and welcome letter" containing the card membership code 0, once the account number is accepted ', the salesperson will press 1-5. After registration, the user verifies the transfer payment for the payment system "), and the DCF system automatically sends out-" use the certificate number and a separate letter with the user's private identification to register with the Internet. You need to keep the part. The user of the credit card page of the financial institution selects the "payment registration" item. Registration form ^ ^ 100 pages on the user's screen 'Personal information required and telephone registration required will display the typed personal information that is compared with the credit card account file, if the phase =' Registration request is automatically fed into the registration system; if the comparison does not match , A 4 * matches, and § have a clear turn

V. Description of the invention (8) '---—— > a .. _ ί Ϊ 伫 列 (referral Μ—) is handled manually by the salesman. If the food inspection information is correct, the steps are the same as the telephone registration. On the right, if the personal information does not match, registration cannot be completed. The registered data captured after the turn of materials is saved for actual retrieval. This assumes that there is a follow-up (follower_up) phone rank to make business 1 = phone (or mail) to contact the user. After the formalities are completed, go to the registration ranks. r After the registration, users can use the provided dial-up software to use the computer and the processing center; [2 Financial institution payment system connection and access payment system = [2]. In a direct dial-up connection, the user must first register with the financial institution's connection service for the manufacturer. After registration, the dial-up software received includes a list of phone numbers of the connection service providers, and you can select one to complete the registration. Registration enables service providers to identify customers, usually through a network identification number and a network password. After completion, it enters dial-up software to enable automatic recognition in the future. When stored in the payment system, the user is identified by a user ID and a personal identification number (p 丨 n). The user must use a browser capable of encoding 128-bit passwords to ensure user identification. Certificates and PIN access codes are encrypted and registered with financial institutions. Preferably, the user identification card includes the first letter of the user's first name, the last name, and the last four digits of the Social Security Card Number (SSN). It is usually limited to at least 6 characters and at most 20 characters. The user identification card is stored in the user's system (that is, the "user") and is transmitted to the host computer along with the private identification code entered by the user. The private identification code must be entered a limited number of times. The right user enters an invalid private identification code three times in a row, that is, the The day system is

Five Description of the invention (9) Suspended: used. The PIN counter is reset every day. Behind-the-scenes ’, the user enters the financial institution of the financial institution. Part of the main business f of the user is greeted when entering. From the home screen, users can save current email feeds and user target information. User connection Post #. # + 动 测 —And show no—the information informs the user on the screen if there is —I mail ’, then the user will be guided to the appropriate pipeline in the information notification. There is no message on the right, no message is displayed. The first screen of the system ’s home screen is available for users to go to and from the web address area, including rta. ,, and Deng Deng.) The selected functions are displayed on the screen taskbar, [asii bar], and the work area is located in Tomb A, "+ &Amp; bR, 钔 is located in the center of the screen. Because the payment system step is a 4 (Stateful) application, the process is very important, and the restricted" no statement "(s —) application is hard-working. Traditional browser navigation control ("up —", "page", address bar, "home page", "reorganize", and "tags" etc. cannot be used. This is the well-known "kiosk" state. Referring to Figure 4, if the user arrives in the channel selection area, = one channel selection available in the payment system, including A record 0 column 72 receiving drinks, using Lu service to receive s times%, including account information 71, payment and confirmation 72, user service 73, and information network 74. Month b Select each directory item. The fifth chart column is optional for the user. I click on the title to select it. Selected channels 71-74 of the account information channel account information channel home page Automatically display the nodule summary of the payment account selected by the user. Usually, the user will use the card account and several checking accounts selected by the user. The user can browse the credit card, and see a credit card, and then go online or receive it via email.

V. Description of the invention (10) The following functional items: Card account status and transaction status and transactions since the beginning and the end of the account m = = and / or transaction items within a date 'include: (4) the total credit limit; (5) ) Credit line available since the last settlement; (6) Unpaid total; (7) Cash advances; (8) Next payment and date; and (9) Miles or points due to the last bill volume. You can use 1 to display the transaction history (TJ) information on the selected credit card and other cards, usually classified by date or Weishang. Xiaohu's available online materials are the best 180 days. However, the earlier credit card and payment can still be downloaded from the account = Poor Channel "Save Account Updates" item. In addition, the amounts paid for this year, ′, = mother and π are stored online and can be viewed on April 15th of the following year; 1 “Tax reporting time”. All transaction information is stored for 7 years and can be accessed from the processing center. Payment and payee channel users can perform the following functions from the homepage of the payment and payee channel: 1. Pay the current month and set future payment dates (US and territories only) to manufacturers and individuals, including: (a) The payment date can be pre-determined to the next year; the payment method is from weekly to once a year; (b) § Ding Ding every other day or fixed payment on a certain day, week, and month.

C: \ Program Files \ Patent \ l〇33-2133-P.ptd page 13 V. Description of the invention (11) (c) Set a certain amount to less than 10,000 yuan, or 999 or 9 99 〇 〇〇〇 following payment. (d) Display the last payment amount and date when setting the payment (e) Display the number of days required for the recurring payment to reach the destination (f) Payment from most source accounts-credit card (specified during registration) and five Available non-bank checking accounts; and (g) order payment to payees on the form (common payees) 2. View payment (a) including source (account) and account used for designated overdrafts; pay (b ) Past payment mainly based on date, and future company mainly based on date, payment date, payment period, and account used, 3. Add / set payee (a) Appear known information (ie (Account format) (b) Display the payment method (the number of days required for the electronic payment or check payment to reach the destination; designated payment) (c) Allow the user to specify a category code; (d) Display the address of the beneficiary and explain the reason ( e) designate a list name or alias to a payee; order to increase the payee's payment; and (f) sever payments to certain payees. In general, when payment instructions are sent to a payment The host shows the confirmation number, recurring payment, the confirmation number is After submission, it must be available for viewing on the machine. When connected, all payments on a certain day will be established immediately and the mileage will be emailed to the user.

V. Explanation of the invention (12) Now referring to FIG. 6, Youshi # 4 80 is based on the user's operation. ^ This payment system is used as a payment routine. Is it a payment payment turn? ” On: θ In response, command 84 will determine the last retry. Command 86 uses: whether the sister is a new request or 16 (picture 1), decides 88 items 丨 Kabe warehouse and a memory device are the payment source 'If the answer is No, the user Whether you have chosen 2-the credit card is YES. If you decide 90, you are authorized to authorize Li Tonghang to leave the house at 8 o'clock. If the answer is _ (qualified) or a FAI = the selected credit card is the indication (㈤) the payment request is valid) Also: "Answer is PASS, if specified, the payment amount is compared with the customer's credit card \ P i pass". Instruction 94 is input. Instruction indicates payment-"RN". If it is determined that 90 is FAIL ', then instructions 92, 96 enter "1 = = ;;". Instruction of additional payment ^ ^ t ^ 4 ^ 100 ^ J (GTPS) ^ ^ Decision to determine payment; transfer and payment system. If the customer is notified in writing Λ °, if the order is detailed, the payment transaction using the card announcement system refers to the generation of a letter of credit "or payment by" promissory note ". What is it? ^ Automatically by" electronic transfer "m ·: Can accept electronic transfer The beneficiary is based on whether the payee of the drought can accept it: ：: 统: ：: 饮 11008 to determine if a bank check (or "bank check,") is named. ‘,’ ,, deduction 丨 丨 〇 authorized to issue After the payment method is determined, the payment can be made by any method-a check or a combined check. If the merchant is electronic, the payment will be made by the merchant's designated electronic transfer method. Options include direct = melt

C: \ ProgramFiIes \ Patent \ 1033-2133 ~ P_ptd page 15 V. Description of the invention (13) Institutional payments to merchants' Automatic Bill Exchange (ACH), RPS (MasterCard's Remittance Processing System), * ePay (威Card system). These wire transfers are handled by GCMS's EPS (electronic payment service). Fig. 7 is a continuation of the routine 80 at the departure point a (Fig. 6). Instruction 11 2 Compare the marked payment passed by the general transfer and payment system with existing credit card audits. Instruction 114 replaces the general transfer and payment system mark with a credit card archived identification number. Decision 11 6 determines whether the marked payment is passed. If YES, often leaves to the special area for general transfer and payment systems 1 1 8. If the answer is NO, instruction 120 performs a credit risk check to determine whether the user's credit card account is OK. If YES, the order 124 will mark the payment as "〇〇", that is, pass. In the case of NO 'instruction 126, the M ICR file is used to make a pPS evaluation from the information and transaction records of the checking account of other financial users. pps stands for "Payment Probability System" which can identify the risk of the user setting the payment, and the instruction also requests the PPS file. Decision 128 determines whether there is PPS protection. If YES, instruction 13 updates the pps table, and instruction 132 determines whether the probability is greater than χ. If yes, the instruction 124 again indicates that the payment is "〇〇". If the answer to decision 128 or 132 is ribbed, instruction 134 will mark the payment as "RT", which means "try again". After the payment is marked as 134, instruction 118 transfers the file through the general transfer and payment system exclusive area. In addition, instruction i 36 requested the salesperson to manually review the files. After manual review, the payment will be appropriately coded with the corresponding pass and then rejected, and instruction 140 will store the new payment identification information on the credit card for storage. "The audit case is now referred to Figure 8, and in Order 118 (Figure 7, Point B) After / Instruction 142 forwards the payment instruction to the automatic clearinghouse. Decision 144 judgment pay y mark

5. Description of the invention (14) Whether it is RT (try again) or rn (reject). If so, the payment of instruction ι46 failed. If not, the named payee shall be the user, order 14 8) or cashier order (instruction 丨 50) to receive the payment in the account (that is, debit from the source checking account through automatic bill exchange. 5 2 After the user's specified payment account source account will be debited or sub-transferred and automatic check exchange of bank checks. If the automatic rebate is refunded due to insufficient funds (NSF) or failure to receive money through electronic payment, it will be replaced by another person. User account deduction "If the second pass is still insufficient deposits, the second self-transfer and payment system. JK knows that if the user's source account is deducted to request payment, it will never be reported if the deposit is reported to be insufficient. 1 5Θ is judged. The recipient \ Mei \ β father in exchange for the wire transfer "reversal" (reversal) merchant, that is, the merchant with the user machine ^ 为 is set by the user to set the risk of payment by the user. Limit. If YES, order 16 to determine, payable ^^ will be paid at 0 TB (exceeding the transaction balance). If YES, order 158 again ^^ No low announcement on the cash limit. If N0, 162 will be the merchant, Dealing with politics-^ # ^ ^^ ^ ^ ^^ ^ 1 bb U You are notified personally that the payment has been transferred. You 7 This step enables certain merchants to accept the payment of the last payment 45 days after the deposit is made. This type of transaction = boss, telephone company, cable company, automobile and oil company, You can analyze the frequency of insufficient deposits and take segmentation = i as a step. Only the case of insufficient deposits will be used to this-Fang Zhuan eaves case is incorrectly transmitted to the-businessman, or a copy, the information and amount ^

Handle without forwarding. This can reduce the number of students. Langyu deficit production == Complete transaction ‘When making payments and receiving’, the user does not transfer to other areas of the channel or program, and it is easy to reach and display the information to the user. L】 The host computer receives 00 —, ^ In addition to the corpse Feng, there is a time limit. In the -p surname, when there is no activity, the user will receive a warning sound (the warning sound can be altered by the user V 'enable or disable as needed) and a master self. "To ensure your rights, if there is no activity, you Will it take longer? "Umbrella 丨 White branch p mouth ends. 〇Κ (Yes) CANCEL (Cancel) If the user selects 0K, the timing will be restarted at this stage. If the user selects CANCEL, and there is no movement within one minute, or the user appears the following notification: Should then To ensure your rights and interests' This phase has ended. "To re-access, the user must turn on the system again. User service channel 1. The home page of the user service channel allows users to ... U) send and receive e-mails from the user service center 40 (picture i); (b) receive automatic bill exchange return / rejection letters via e-mail ( c) Request account-related functions through structured email or online; (d) Request account statements; (e) Request a change of name application; (f) Request an address change application;

Description of the invention (16) (§) Request to post the date change application; (h) s youth check and check access (i) structured e-mail molybdenum channel; and $ 1 thousand report port payment system issues to Customer service (j) Change of online personal identification number. We can assist with 2 associations: service center salespersons have basic technical knowledge r to assist users in installing products and connecting requests. • User service channel, in Honglingshizhu 7. Payment; and K A @ + can be started or modified a single time when the customer research, add, change or delete the payee merchant.

Ca) The customer service is by telephone withdrawal date) to the user. The princess card is automatically ID; the user's credit card credit limit 4. The service center can access the automatic fishing and financial institution. It is shown that the receivables are exchanged to the non-bank gold (a) automatic clearing house customers. '] Send a confirmation file and re-request the payable method, send and withdraw Λ electricity for payment details (state of sadness, the user service identified the insufficient deposit status in the automatic clearing house, and the receiving mail was sent to the user. U.S. Mail and Electronics (Services can suspend user services. Knowing the user's relationship (reporting information and paying 1 problems) The function uses rule-based logic to automatically report the payment channel can stop payment on behalf of the user on request, and in the collection service ~ Systematization of receivables through

f'ilesXPatentXin ^ .q- C: \ Program Fifth, the description of the invention (17 ^ ~ paragraph login central, Jg kd / source account (specified payment stop payment and re-entry account after the completion of the survey account or credit card cash limit ). 5. User service can access the user's credit card account and the second-use card account to provide services. Bei Xun and all monks 6. User service can access receive and transmit 7. User service channel can interest in the payment system. a) Set the restricted use flag and status code in the payment system. Closed, closed by the user, temporarily disabled). Department '^ code (opened by the bank and recorded. 糸 system automatically automatically note (b) the use of flags and status code annotations in the account. ° Recorded will be maintained in the online account 8. User service channel can identify the information network channel at any time The users of the organization include in the information-the job list is called "automatically selected later, m shows the user options such as product assets:" in the channel 3. credit =, 4. investment, and 5. payment. Check, 2. savings, And conditions and restrictions. Each t: = f: Instruct the user to the product description, and restrictions' and complete registration; page, "including conditions for use is online, open a discernible account: direct access", also pre-filled For example, a financial institution refers to a payment account.

Open an account by ticket. Qiao Zhiqiu and Qiuren form, and instructed to send-Zhang I users can use the pages in the designated area. It is not necessary to use the control keys to print any page of the payment system automatically. Five 'invention description (18) The basic security principles of the security payment system ensure that the source code and transaction code of the user can distinguish payment transactions and transfer data to the warning (FEW) for quick control. See Appendix D for early fraud warning variables Refer to Figures 9A-9C for the transaction code. The system authentication and verification procedure table lists the five major functional categories of the system; register 17G, designate the payment account holder m, user access 174, service center payment 176, and service 178. "Describe the functional characteristics of each category," f @ ^ BH # 4-False. Xiao Gray Program "states that the corresponding account communication or user's special (sensitive) information must be carried out in the" envelope ", including the user and the Between processing centers = terminal-to-terminal encryption in the channel. Not all numbers on the user's screen. Each account will display a unique product: Miscellaneous = account number (for example, V, MC, PV, etc.) and some account numbers (for example, identification and evaluation of detection and detection mechanisms must be installed. Can be unique with the code ). Use: τ code 15 combined, (a) Establish a timely online early fraud warning formula to evaluate the request for immediate payment authorization; cash in cash (b) Establish a formula to evaluate all payments, and the results are fed into the warning system queue. Fraudulent use of credit cards to pay cash on demand will result in an authorization—authorizations will be recorded; early fraud warning variables will be updated at the time of authorization. Existing cash and new payment early fraud warning formula

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V. Description of the invention (19): (Unique Turnover. Recorded by the general transfer and payment system. Requests are evaluated and recorded similar to online early fraudulent invitations; = payment; credit card request. The rights system is merged. ισ & formula, but not on the same platform or in the 10A-10C chart column, use the value of $% μ, with # # only for the period variable, name, description, price, etc. used by the official to establish a formula for maintaining. According to the formula "Entry into Early Warning System" (EWS), Sui Ning column and EWS personnel check the account and: All payments of the transfer ship are stored for a period of 15: month. Turn into a turn-in device and private identification code for license users. The first or subsequent accounts' verification of column T needs to be compared with the account pair account specified by the user, name comparison (initial) address comparison-social security card number comparison, mother's last name comparison, CVV 2 or CVC., 2 (last 3 (The number appears on the signature board.) Dial-up will limit the number of times. An incorrect personal identification code is considered an erroneous attempt. If the number of attempts exceeds the set value, the user can no longer use his user input device and private day and day. Identification code. Set value .. Days resetting the planning of the setting is three times including early warning fraud medium or highly recommend the suspension of access to any information under the account will be displayed to the user: "Your account was an early warning to check fraud risk, please call.

V. Description of the invention (20) 1 -800 ----- Negotiate with the salesman of the financial institution. Payment can be received from the general transfer and payment system. The logic of the early fraud warning formula must be adopted, τ == file, and the transaction must communicate with the user system. No account credit is available. Each action or information requested by the user does not disclose the account number in a message format. The social security card number is telegram: mail * 'e-mail address, term of validity' 4 passwords, sent to user information " oblique :: month 'mother surname broadcast There are two types of email. Partially sent to the use, department, and general information can be sent to the user slot case = = 1 comprehensive j 吕 息 丨. If this is not the case, choose β to enter ‘丨 〇 heart alert, promotion conditions, and so on. Ding Ting Feng Fengxun, Tong Tong also has user-specific information or pre-cuts since insufficient funds can not be paid, then Princess Yu; i W. For example, if the payable is due to the cash amount in the deposit, the information must be ^, ^ φ Λ ν 仃. Finally, the service center responded to the e-mail generated by the user. Each Thunder + Hao Yan mother-to-rabbit included the user's name, address, and credit card account number as a reference for the user's service channel. There are nine structured emails that help users frequently request services: 1. Change the shipping address 2. Change the name 3 • Report a credit card billing problem 4. Add or remove a credit card account payee 5. Request a refund 6. Change Payment due 7. Request a copy of the credit card statement

C: \ ProgramFiles \ Patent \ 1033-2133-P.ptd page 23 V. Description of the invention (21) 8. Link or stop link card account 9. Application request If the payment service is terminated or suspended, it should be requested by the customer or taken by a financial institution Countermeasures, the letter will be sent to the user. If the registration is rejected, or due to insufficient deposits or credit measures to cancel the payment, such documents sent to the user include email correspondence, phone calls, and events that activate the document, such as List of Figure 11. Although the present invention has been shown and explained in the embodiment of the best mode I, it should be understood that those skilled in the art can still make various modifications and additions and deletions to it without departing from the spirit of the present invention described in the scope of the attached patents below. And scope.

C: \ ProgramFiles \ Patent \ 1033-2133-P.ptd page 24

Claims (1)

Scope of application for patents: 1. A variety of settings, which respond to a one-signal transaction signal for one use; = the account of the customer that received the device refers to the user's certificate. The user is transferred under the supervision of a subordinate agency. Account, the device includes: a sum of money to a user-authenticated payee-signal ... processing. Processing ... heart, at least, program signal processing device including program; c processing device 'the mobile payment system processing The program signal L is a storage representative-self-care control signal, I of the program signal ;: Cheng 5 The signal processing device provides a signal 'to execute a transaction in accordance with the instructions of the user service organization G's account; 疋 instructions of the financial official system = No. Interface device to adjust the signal, and the signal processing center to clean the communication equipment, and / or the signal communication between the service agencies if there are 6 one or more memory devices to store Data No. 1 device responds to the processing control signal with a message of ==== and additionally 'reports the data signal to the content of the program message ==' 2. According to the device described in the scope of patent application item 丄 —... i Process control signal provided by the processing device comprises: ,, 〒 user to program information and character information signal Shu Wen presented to the communications farmers set to display transaction information to maintain customer accounts and household kg belong to the payee's account financial information signal H 6. The service agency applying for patents shall serve as a user-certified instruction transaction signal. 3. According to item 2 of the scope of the patent application, the device 'also includes, ^ communication software program form, adjusted to operate the mother communication device installed on the user, and send the indicated transaction signal to the signal processing center, ^ The text information signal is received from the signal processing center, and the process-style form provides a communication protocol for interaction between the signal processing center and the signal communication device. " ^ 4 · The device described in Item 3 of the Patent Application Week ', wherein the interactive communication protocol includes a device for sending encrypted instruction transaction signals and receiving encrypted text information signals. _ 5. The device according to item 3 of the scope of the patent application, wherein the interface device is adjusted to receive the transaction signal instructed by the user from the public switched telephone network (PTSN). ^ ^ The device according to item 3 of the patent application, wherein the interface device is adjusted to receive a transaction signal instructed by the user from the Internet. 7 · The device described in item 3 of the scope of patent application, in which the transaction information is displayed as a stateful display ^. 8. The device according to the first item of the scope of the patent application> wherein the program signal includes a financial analysis program signal, and one or more algorithms can be executed by the program signal processing device to determine the user's instruction. Whether the transaction signal complies with the financial control. 9. The device according to item 8 of the scope of the patent application, wherein the financial control includes an element 'that the user's credit account must be set up at the user service institution before executing the user's instruction transaction. C: \ PrograraFiles \ Patent \ 1033-2133-Rptd page 26 6. Application for Patent Scope Control II ;; the device described in item 9 ... user instructions for the financial card ;; outside the credit account of K, the required elements are Yes-recognition control is still included in the 11 package: application, as described in item 10 of the scope. The 2 deducted transactions maintained by the financial user must be debited from a user authenticated by another service agency. The designated amount of account transfer, a necessary condition is the amount. ° The existing balance of the account is at least equal to the device specified in the scope of the patent application scope of the user's designated gold control, which includes the financial., ±, ° ^ ' In response to the designation of the certifiable user maintained by the user service agency: '° 时' in response to the determination that the deposit is not made in the designated payment account of the certification ': the necessary condition is that the user's credit account has a credit balance of less than equal to The designated amount to be transferred. The device described in item 11 of the scope of the patent application, wherein the financial officer system still needs to 'respond to the notification of insufficient deposits from the other service agencies from the certified designated payment account, The designated transaction is deducted and the specified amount is deducted from the user's credit account. 14. The device described in item 12 of the scope of the patent application 'where the financial control is still needed' is completed in response to the determination of insufficient deposits in the designated payment account of the certification. The designated transaction is deducted from the user's credit account. 15. The device according to item! In the scope of patent application, wherein: the program signal processing device records each user designation received by the signal processing center from each user. Transaction from the stored in the database device 6. The user's personal record file of the scope of patent application; and the number 1 on the program, including the analysis signal of the bully analysis program, represents one or more of the programs that can be executed by the signal processing device of the program. ϋ β helmet M ', there is a law, the mother of an algorithm user Jiaxian 茌 · 1 八 呻 呻 & case, to detect the suspected father, activity m knife analysis program No. 1K raised, suspended Processing of transactions instructed by the user. You are not deceived. 6. According to the device described in the scope of the patent application, the program signal includes a security analysis program but is absent. A * Algorithm b that can be executed by the program signal processing device. A plurality of users authorized by the signal processing center, the system user access to the King of the King of Lu >> Provide private protection to provide access to the authentication user in the database device personal U household identification information corresponding storage 1 7. According to the device described in the item (1) of the scope of the patent application, the service provider shall execute the user instruction to transfer the rust to the beneficiary who can receive the electronic transfer. "In order to receive payment through electronic transfer, the device described in Scope 1 shall be used, wherein the service k is used by the manufacturer's service center to execute the user's instructions for the transaction to be payable via banker's cashier order. The payee receiving the electronic transfer. 19. A method for a user service agency to provide automatic transfers from a user account to a payee account and an authentication partner, including the following steps: establishing a financial relationship between the user and the user service agency, including opening at least A user credit account 'and may include designated payment accounts with user services and other service agencies; C: \ ProgramFiles \ Patent \ 1033-2133-P.ptd page 28 6. The patent application Fanyuan storage representative is run by the online electronic account management service provider, which is managed by the processor, and is managed by the program signal office. User service agency's designated user's credit account and any information saved with the approved user before use; After the user's identity, access the online authentication and security measures to confirm the receipt of user instructions VI, library and program signal processor; The amount of the person; /, Father Easy certification to be transferred from the user account debit to the verified user to pay the 俨 a gold ^ service institution's financial account current balance is 2 = 乂; and the payee. The steps include the method described in item 19 of the scope of the patent, which includes verifying the steps, / ± / 4, judging whether the user ’s credit account currently has a permitted credit balance, and the amount to be transferred. If so, retain the The available balance is used to pay the transfer amount; debit from the user's designated source account to transfer the amount; and the execution user fg uses the reserve balance of the account's available balance in response to the notification that the source account has insufficient deposits. Eight user identification numbers and individuals 2 1. According to the method described in item 9 of the scope of patent application, the approval step includes the following steps: When a user of the user service agency connects to the database online, he must enter the identification. ID; record to compare the information entered by the user with the information of the user's account; and II IC: \ ProgramFiles \ Patent \ 1033-2133-P.ptd page 29 6. The scope of the patent application response is incorrect when the user enters a selected number of times , The user is denied access to the database for a period of time. 2 2. The method described in item 29 of the scope of the patent application, wherein the transfer step includes the following steps: performing the electronic transfer of the specified amount to the designated payee who can receive the electronic transfer; and sending a value equal to the specified amount Cashier's check to payees who fail to receive electronic transfers. C: \ Program Files \ PatentA1033-2133-P.ptd page 30