TWI358680B - Bank transaction system linking accounts via commo - Google Patents

Description

1358680 IX. Description of the invention: [Technical field to which the invention belongs] Most bank customers today have multiple accounts in more than one bank. Therefore, when an existing customer has to make a transaction with each bank that has an account, the customer must endure the inconvenience of having to remember the nickname and PIN. In addition, the online transaction service is still limited to the conditions of the business hours and service provided by each bank. A plurality of accounts of a customer can be organized into a single account, but this is not only meaningless to the fact that it is necessary to eliminate the customer, but it is also expected to increase management inconvenience. [Prior Art] The existing patent application for trading using a bank account is a published patent application KR2001__7852, which describes a virtual account as a value-added debit card and an electronic money' and performs a bank function within a company that issues a non-bank organization. . However, this technique has the disadvantage that the account holder and the bank must remember all relevant accounts, = through the virtual account, in addition, the plurality of virtual accounts are gambling income and the virtual account cannot be accessed independently. Another conventional skill K_2-_73G3 is _ with a method and system for monitoring minors on the Internet _ on the Internet (four) different ship (or swindling) 'it describes the account from the client (4) (four) dissimilar accounts (or debit card) The issuance of the received account is based on the bank account number of the 2nd transfer and the ## information of the third party client (from) _ person information (surname/resident number); When 6 1358680 requires verification (4) the bank account of the above-mentioned ticket exchange account (or issued, the subsequent decision to issue is to issue the client (primary) application account (_ card) and allow the client to be completely client-side (mainly different) Used in the Internet; the third-party client (slave) spends an account (or a debit card) on the online transaction through the client (primary) of the account to apply for the account (silver = made, different degrees The account applicant client (main) must be allowed to make a third-party customer's account for the issuance of the account (or the debit card * shortcomings the client must practice all accounts, and the second is that the transaction through the multiple fiber accounts can only be used for Mei Net On the road. When all the intersections are executed, the technology still needs to be processed by Wei Xingzhi to process the surplus and cannot be completed instantly. Foot 02-_531 is described in a plurality of alliance organization feeding machines containing management virtual The account and the virtual account affiliated with the main account of the plurality of bank makers 'virtual account transfer to $ axis green, the Wei server and the split f organization fine management banking procedures, can not be estimated each time the virtual account is assigned account With the opening and trading, such virtual accounts are still likely to terminate the transaction, so that due to the inefficiency of the dispute, the opening of the account is limited to the organization and not for the individual. 〃 状 20〇U_6 description A technique for using a primary transaction account and a plurality of secondary account readout transfer systems, and an e-commerce method. The disadvantage associated with this is that the 4 technical coffee mainly establishes an individual account for the transaction of the story, etc., which requires the use of 7 financial = Live all the dirty numbers to be executed via the secondary account 易于 Easy to go through the complexity of multiple accounts 1 Not all the two additional transactions. Except, and can not be completed in real time. [Summary] The shared account is a connected account as defined by the bank transaction system = the account holder of the deaf person: Easy. The system does not need to use the relevant account to perform the transfer between the primary and secondary accounts. Easily link - online and serial transactions from the main account to the existing account, and the _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Allow the primary account holder to connect to the owner when the transaction is synchronized on the primary account. Each account holder of this month's other-purpose account allows the independent transaction of her/his account as a normal bank account. It is defined by the primary account holder as the secondary account 2 account is easy to query and trade with the corresponding account and PIN; and at the same time, the primary account can open a private account, and its towel account can be designated as another - Someone has their own account to do the transaction. The main account can be used to open and the corresponding account with the account number and the password for the account. In the main account query and the transaction 2' account, the link is also available for inquiry and transaction. Not only does it save the need for each of the company's (4), but also because of the name of the check-in trading system or the name given by the owner or the household holder, the shirt holder must remember the connected account. All accounts. The secondary account designated by the primary account holder is one of the connected accounts, and the secondary account is able to select the other credit card holders other than the secret account holder; the other account holders of the primary account j The transaction can be made to the two accounts of the designated linked account. In addition, the primary account holder can choose to provide additional services, such as borrowing, according to the account classification code given by the bank according to the transaction bank, and trading from another connected account; The charm account and the tree account age management can be (4) = the account number and the account classification code are reached; therefore, although the bank has the parent § structure, it may handle the connected secondary account. Both household holders and banks can benefit from the thief (four) material format, allowing the compatibility of the external transaction network of the "payment channel. [Advantageous Effects] When the account holder makes a transaction on the main account, the present invention is completed on the main account 2 and the =3⁄4 household. Also, the linked secondary account can be provided to other people's accounts and thus has the effect of making each transaction_any other bank account. ▲, some accounts in the main account can be corresponding to the account and just processed the query and ~ while the main account holder can open their towel - can be marked as the connected secondary account from the other accounts defined in the main account 2, so perhaps through a The account is open and easy, several /, his account. In addition, 'when the account holder uses the corresponding account number and TM (option code) to query and trade the main account, this account is linked for instant inquiry and easy. Therefore, not only the inconvenience is solved, but the male holder is asked to make a query. At the time of the transaction, you can record the account number or name of the account connected to the account, and do not need to remember all accounts. The other person account designated by the primary account holder becomes one of the connected Wei households, so it can restrict the use of other people, only the money and transaction specific account, not the main account and other connected secondary accounts 'the male accountant specified Others are transacted with the account of the connected secondary account's. However, the primary account holder may choose to determine additional service functions, such as the transaction of the teacher's code from the bank's root system from other connected secondary accounts. The classification and management of the primary account and the connected account can be achieved by the individual account number and the account classification code given by the bank, and the bank's existing transaction structure can still be used, and the connected account application has a new effect. In addition, by processing the transaction on the external transaction network containing the payment channel through the existing data format, outstanding work results can be achieved, and the interest of the account holder and the bank can be maximized. i [Embodiment] A detailed description of the drawings will be described below. The first picture, 1358,680, and the card/account holder's bank and card payment transactions, such as credit card, cash card, or debit card section. The transaction can be in various forms but is illustrated in the figure - for the re-valued debit card transaction. The first picture shows the card / account holder, the bank of the Jew, the material to be paid, the transaction structure of the bank to buy and buy, especially the bank-to-bank transaction information or the bank that wants to pay is paid Channel trading. The second example illustrates the transaction process using a traditional debit card. The transaction by the card can be made by the communication terminal, the ATM, the mobile terminal and the terminal other than the above, and the details of each transaction are notified to the payment channel through the VM, and finally the central bank, the bank of the card holder and the bank purchased are notified. . The first picture is the transaction sequence of the debit card transaction, in order to understand the traditional transaction structure card/account holder of the first figure to transmit the transaction information to the purchase (9), to buy it, to transfer it, and to: the T-channel (10), the payment channel is followed by Transfer the withdrawal order and the transaction f to the account holder's bank (10) according to the received payment (4). The account then asks for the corresponding account of X Easy Information, and according to the payment channel ((4), long delivery confirmation report' and this withdrawal report will be provided by the purchase (10) (10) notification account • the payment machine channel provides the purchase of the account information and update The transaction database of Beixun to Mube Bank (S6')' and the order is sent to the purchase (S7), therefore, someone's account or card (S8) deposit. At this time, the purchase is transferred by the database T The account holder's order information is sent to the cardholder's bank.

The route of the payment channel (900) described in the figure, and the other is an external transaction device connected by (600). However, it does not show ----..., in the middle of the five maps, the external network connection center _ can also be combined with security features, such as firewalls, and the necessary addition of other features. Some lions external transactions are ', work by., weekly network server (2 〇〇) and limited & wireless phone (extension) terminal (_, which is composed of dual-tone multi-frequency (talking) (four) An optional routing (ARS) server (shed) via an external network connection center, (10) G) transmitting transaction data established by dual-tone multi-frequency (hidden) Wei to the host computer system (10); atm terminal (500) ; and different trading equipment including counter terminals. Payment channel (10)〇) Connect to different bank (1_), (12G〇) computer systems, which perform the inter-bank parental, and the banks (1〇〇〇), (12〇〇) each computer are individually connected to the storage A database of account information for each account holder (11〇〇) (13〇〇). In the fifth picture, only the bank computer system (1000) (12〇〇) connected to the payment channel (9〇〇) is displayed. However, the card can also be connected to the computer network of other authorized financial and commercial companies via VAN. Trading terminals and more. The sixth diagram depicts the target (existing) transaction flow from the banking transaction system via the external network connection center (6〇〇). When the transaction request (S701) is generated from the Internet server 12 1358680 (200), the wired & wireless phone (300), the optional route (clear word server), and the ATM terminal (500) When the terminal ((10)) receives the request, the main battery age system (7GG) then requests the home data to pass back the device that transmits the specific I request. The device that previously requested the transaction transmits the account information, such as the account number and pm' (S703) to the main battery system (7GQ), and the host computer system (700) refers to the received information from the account database _) to retrieve the corresponding account data, and Connect (S704) to the main computer system (7〇〇). When the additional transaction information is received from the request (4) device, the deposit transaction amount (pass) is settled to settle the corresponding amount (S708). When the referenced transaction result needs to be traded to another bank, such as another bank transfer, the host computer system (700) transmits the transfer information (S7〇6) to the payment channel (900) and obtains authorization from the corresponding bank before the account is closed ( S7〇7). The seventh diagram represents the flow through the payment channel system in the fifth diagram. According to the computer system (1〇〇〇) from other banks, (12〇〇) transaction demand (S711) 'connected to the trading terminal via the computer network of VAN or other authorized financial business company, receiving the required host computer system (7 〇〇) The account data request (S712) is then transmitted via the payment channel to the computer system or the terminal corresponding to the transaction request is received therefrom. The unit that previously requested the transaction transmits account information, such as an account number (S713), to the host computer system (700) 'and the host computer system (7〇〇) searches for the corresponding account from the account database (8〇〇) with reference to the received information and Connected (S714). In this case, other banks (1000), (1200) computer systems, cards exchanged via VANs, and the computer network of the eight authorized financial and commercial companies are based on hypothetical cards/account holders through PINs, etc. A confirmed transaction, but not re-verified, however, additional coverage of the transaction, such as withdrawals, may be added as needed. When additional transaction information, such as the parent's registration number, and the transaction amount side, 5) the receipt of the transaction from the request, the message is transmitted by the gamma (S716), and the corresponding account is settled (S717). When the referenced transaction result needs to be from the bank/account holder's bank mm his bank account, '(four) brain secret (10)) transfer transfer information coffee 6) to the payment channel (10)), obtained by the self-employed bank before settlement (❹) Authorization. In the appropriate (four) process, you can increase the suspicion and selectively execute trading needs through the bank computer system, such as the balance of the corresponding account, limit each transaction, the number of transactions per day, the transaction bank, and so on. In the above-mentioned traditional transaction, the bank with the main computer system (10) must pass the foreign (4) payment channel, and it is not possible to change the money in the month b. In terms of the tendency of a Cong household holder, most of the current account customers, that is, account holders, do not have multiple accounts. Therefore, when the current m仃德德彳彳 someone must be executed in each bank and easy time, it is not only necessary to remember all the accounts and PINs of each bank, even if you allow: = online U, you must accept Difference between service and camping ^ :. In addition, the customer's multiple accounts can be arranged to be merged into one account, but θ is not only practically meaningless, because 疋 is also expected to increase management inconvenience. The customer will be charged to classify the account, value 1358680. This is detailed in Figure 8 'as an example of a traditional structure showing the bank account of the holder. It represents the general account holder of the - court, with the holder's account A (10) 1), the holder's family member's account B (8 〇 2), and / with the holder's child a's account (10) 3), holds Accounts for children and children b (10) 4), etc., in which each account makes *, I * ' account holders have 3 purchases of WA, B and C respectively; holder B's account B has 2 purchases D and E '· and / or shot child A's account have to buy f and g; and child B's account has to buy h,! With j. This type is more concealed, and the silk family is on behalf of the fine peak court, that is, the account holder is financially responsible for the entire family, and may often only trade his/her own, buy A, ^C, It is also necessary to trade the purchase D of the member and/or the purchase F of the child A and the purchase η of the child B. In order to understand a more specific model, these Gu Ke Mi 2:: with the school tuition and other amount _, as well as the spouse's credit card account ^ financial person last 6 _ school age can be brought to the child by the total amount Broken, (four) Saki (10) '. Γ 贱 电子 电子 电子 电子 电子 电子 电子 电子 电子 电子 电子 电子 电子 电子 电子 电子 电子 电子 电子 电子 电子 电子 电子 电子 电子 电子 电子 电子 电子 电子 电子 电子 电子 电子 电子 电子 电子 电子 电子 电子 电子 电子 电子 电子 电子 电子 电子 电子 电子In addition, the system is known to take a long time to have a transaction report. In order to describe this issue, the account holder of the child, the kidnapper of the account, 15 1358680, the transaction structure is removed from the first. In the ninth, I will buy a self-businesser who pays with the account (10) (4) that J directly represents the child B, although the purchase _, child B charges, but actually by the account secretary 1) ·, - the tuition fees or other colleges Costs 3 In the eighth and ninth figures, there are multiple purchases to be made from the current account holder's account A(10)0, and most of them have a specific time limit for payment, and the account holder has difficulty managing money in a timely manner. The construction example of the solution of the present invention is the tenth shot. The tenth fiscal structure is the existing trading age in the ninth figure. First, the account holder's account has been opened or the new one is called the male (10) 0). The account of the name of the silk household holder child B is the connected secondary account A (_. In addition, the household __ is connected to the account c (i_ is newly established and opened. When the main good holder is from Silk (10) 〇) In the meantime, the previous fifth-party structure was traded in the same way as any other ordinary bank account, online or offline, via the Internet server _, via optional (d) routing (10) server _ wired & radiotelephone (_, and ΑΤΜ terminal (10)) connected terminal ((4) use bank passbook or card. The core _ core structure is #蝴蝶户 holder on the main account (10) G) (4), in the connected sub-account A (1_, connected Transactions made by secondary account B(10)0) and connected secondary account c(_) shall be processed immediately. In addition, the child B of the primary account holder is provided with his/her connected account A(10)〇) However, the connection should also be based on the individual purchase of the linked account B (i7〇〇) or the phase 1358680 linked account_ The transaction is made. In order to perform some of the miscellaneous, the examples of the sturdy and sturdy households are illustrated in the tenth-figure. General account number is called silver; ==, all kinds of animals, etc.), account (four) number D, No. 2 any computer error error check code, example *; coffee code: whole =, number her sunny Mei regret In the position of wealth, in addition, t two can increase wealth. The present invention assigns a number = that is not used in other accounts among the accounts, as shown in the tenth-picture. In the eleventh picture, "7 2 car 乂 good = word "〇" as the last - health word. The former charm account holder child ^ account number is engraved with the rules. In the tenth-_example, the last digit of the account number. Therefore, the account with the last digit of ^ will be linked to an account with the exception of the last fiscal "丨". In the example of the tenth-figure, in addition to the main account, her total hate exists, which can be assigned as a connected sub-account and linked to the main account, only the male child with the last digit of "1" B _ households will make general deposit accounts for deposits, withdrawals and credit cards; all other connected accounts can be restricted to purchases for specific purchases. In addition to the account system (bank passbook number) that the banking system manages and controls, this account can be the account and the classification code for the account of the second beer account and the 17 master account, as well as the account holder of the primary account holder. The tenth-figure shows that in addition to its account number, account & battle, individual dz (4) with account classification code, the secret classification code and the connected-person account A are "丨. (4) "Nuo Village will extend more Songs to specify the purchase or transaction management number by the bank. :== Summarized. According to the bank account, the account holder of the account number is the Zhan's account. As a James child, Sen Lai has become a connected sub-account with the account number of the last number q. The structure described can be used for all the connected accounts of James who are 3 earners. ^ (4) The person account is a parent, including Jason’s account, and i. Jason's account is Jason's pocket money, and the remaining f-linked accounts can be named Jason's tuition, Jay, etc. as described in the tenth. As described in the tenth-figure, a large number of accounts can also be used at the bank counters. In addition, there is a route through the Internet and wireless internet/option (the method of using the transaction service by Qing or mobile communication, and a detailed description will be described later. /, Figure 13 illustrates the classification of the bank that opened the account. An example of an account code. Since the account with the account number _ "00" is the primary account, the account group including the secondary account, and the primary account are as described in the eleventh and twelfth figures. The primary account is the tenth to the tenth X: As shown in the figure, the query can be processed immediately in the main account and all connected sub-accounts, and the parent is not only used independently by each account, but also can be named and called by the main account holder. - and can be used as another - the main account, the account is the connected sub-account and its account is the independent account of the main account holder 1. The remaining connected connections are the most important ones. It is only the Fan You 丨 Φ, which is allowed to be in the twelfth picture, "(ϊ〇). 斗主 invites ^ r for 疒 、, s · one.", and school 98" is authorized to learn • Ha, "Q7 is 仃Mobile communication bill, and "96" is traffic f..." will only be used to pay for each Order to buy. In other words: refers to the person who has the account of the account number "01" (in the above description, only the account number can be inquired or handed over, the child of the primary account holder B) School, learn PW horse " 〇1". When booking a purchase, such as a card pass card, etc., the transaction of the other primary account holder is required. The bank of the account holder (4) is compared with the account number of the corresponding account of the corresponding account. ΓΓ·And the primary account and the connected secondary account are last applied to the solution, the fine 'each primary account number can have (10) or at an individual number interval 'assign 10 to the discussion of a digital class to 10 ^ people account group' where each connected account Assign the last-number to between 1-9 in the number' and expand to 01-99 of the 1st digit if necessary; or assign the full account for convenience and security for the same purpose Or the number in the middle section. According to the bank computer system of the account holder, the number required for the account can be converted into a binary entry, and if the number of the binary digits is 〇〇〇〇, then the account is the primary account, and The carry digit is "〇〇〇1" as the main account Any account owed to the account is connected to the secondary account. Therefore, if the account number is classified as L number, the total account number of the number in the digital system is less than, _ marry-part, and one of them is assigned to the primary account. , =,, Ό the main account of the specified account · and in the account group organization with a small primary account = _ _ number, in addition to the two account allocation account already mentioned ' can be assigned as a connected secondary account In order to complete the present invention, according to the account number system, the male account holder can specify 4 numbers _ 'and each tree connected to the secondary account. The foregoing structural features on the account can be summarized as follows: The account that is first used as the primary account can handle the inquiry and transaction with its account number and (4). There are secondary accounts that can be opened and connected, among which are the account of another holder who can be the primary account and the person. ::Heart: When the account holder processes the main account with his account number (password), the 迓, 〇 _ person account handles the query and transaction in real time. ==When the account holder processes the inquiry and transaction on the connected secondary account, the account name defined by the primary account holder is the same as the account holder of the other account holder specified by the primary account holder. A secondary account, not a primary account and another connected secondary account.观易观定 20 1358680 The other account designated by the sixth 'master account holder can specify the account number of the connected account to handle the transfer, the pure 'bank can refer to the stomach division _ stomach to process transactions from another account. The classification of the seventh 'primary account' and the linked secondary account is the same as the individual account number and account classification code given by the bank. Therefore, in addition to the current secretarial management information, the bank of the financial person must be able to provide (4) services as provided below to provide the services described in the tenth to thirteenth pre-issuance. - First of all, 'Bank Green must be the invention of Wei's mosquitoes (4) bank type, etc.) to the primary account (1500) and connected secondary accounts: (1600), (1700), (1800); second, The method of arbitrating to store and manage the name of the connected account specified by the primary account holder and the primary account; third, there is a method for storing and managing the above-mentioned name of the household and the account number assigned by the male holder' must be assigned The account classification code is stored and managed for the name of the connected secondary account\, and the fourth, the connection Wei (10) when booking the purchase of the silk card holder, etc., by comparing the information with the account classification code Processing (4) from the corresponding account, where the other account holders sacrifice the classification code "(U" assigns the account. As for the processing of the primary and connected accounts, the primary account holder may have to use 21 1358680 as the primary account and scale The miscellaneous fills in the form and delivers the necessary information and the name desired by the individual connected sub-account through the bank (4) of the main account bank. However, the preferred method is to process the account of the present invention through the device or the data terminal. Processing queries and transactions. Figure 14 illustrates the flow of messages for connected account services via an optional route (10). The primary account holder authenticated by the account number and PIN selects the service for the connected account by telephone button, which will connect to the corresponding service program as the ARS server decodes. Each order will be explained below, and may be returned after completion due to the primary account holder selecting the query. The routable routing (ARS) service in FIG. 14 is achieved by an optional routing (10) server (shed) connected to the wired & radio telephone in the fifth figure, and the identifiable structural service can be borrowed from her. The SMS of the mobile communication gateway and the terminal (200) having the same functional structure connected to the Internet vehicle (10) in the figure is achieved. Figure 21 illustrates an example of providing the same service content via a short message service or the Internet. In addition to the primary account holder personally having to move the cursor or the like to select to display the camp and the message as a text form, the service in the twenty-first figure is very similar to the present invention providing a connected account service. The fifteenth figure is an optional routing (ARS) procedure for pre-opening the primary account application to obtain a new connected account via an optional route (ARS), wherein another connected account holder specified by the primary account holder is not only - assuming that the information of the above future account holders, such as the name and 22 1358680 connected account name, has been provided by the bank. The twenty-second figure illustrates the same service flow simplified by a mobile communication or wireless internet service or via a terminal (100) connected to the Internet server (200) of the fifth figure. Figure 16 shows the service message marked as a connected account when the primary account and the account to be marked as a connected secondary account have been opened: Figure 23 is via the mobile communication or wireless internet service or via the Internet connected to the fifth picture The terminal (100) of the web server (200) simplifies the service through SMS. The seventeenth and twenty-fourth illustrations illustrate the flow of instructions for guiding the optional route (office) and the wireless internet towel to pre-open the primary account and the connected account. The eighteenth and twenty-fifthth aspects show the total balance check service message flow of the pre-opened secondary account. • The nineteenth and twentieth diagrams illustrate the use of optional routing (office) deposit and withdrawal master accounts and the selection of secondary messaging services; twenty-six and twenty-seventh maps via mobile communications or scales The service displays the same message service by SMS or via a terminal (10) connected to the Internet® Feeder (200) of the fifth®. An example of this service is as described above for the optional routing (ARS) service by wired or mobile phone (3〇〇) and the connected optional routing (ARS) ship (400); the same structure of service can also be The terminal ((10)) via the mobile communication or wireless internet service or via the internet server (10) connected to the fifth figure is completed by (10). The structure of the computer system of the present invention provides a connection service between the primary account and the connected secondary account as exemplified in the twenty-eighth diagram. For the bank's all trading company computer lines (10) responsible for account holders, the 'Connect Account (4) Library (_, and this account database _) 'Account holder's account information is stored by the main power system (10)) management. The host computer system (10)) is generally connected to two types of networks: one is a path connected to the payment channel (10) 0) as described above; and is an external transaction device connected to the external network connection center (600). A secure method, such as a firewall, can be incorporated into the external network connection center (10), and additional supplements can be added as needed. One of the external transaction devices is known to be an optional route (10)) feeder (400) that transmits transaction data created by a dual tone multi-frequency (bribe) method, etc., at the wired & radiotelephone (10) Through the Internet server (_connected terminal (10)), to the host computer system (7〇〇) via the external network connection center (600), and in addition to the above devices, various types including counter terminals can be used. Other trading equipment. Korea Financial Telecommunications and Clearing Institute ktfc (k〇rea to 虬TELECOMMUNICAI TONS AND CLEARINGS INSTITUTE) payment channel (900) connected to other banks' computer systems (1100) (1200) to handle the bank's internal father's and each holder The account information is driven to the data (1100) (1300) at its individual bank (1000) (1200). The twenty-eighth figure only illustrates the bank computer system (1000) connected to the payment channel (900), (1200), however, as described above, not only the card transaction terminal or the like can be connected via the VAN, but also other authorized merchants can be connected. 24 computer network. In the present invention, in order to serve the connected accounts of these basic architectures, and the account database (10) 0) connected to the host computer system (700), the connected transfer server (1400) is disclosed, and the transactions in the account are via the above-mentioned transfer server (1). Side) is processed by the host computer system (700). For the above-mentioned connected transfer || (just), according to the main computer system (contact demand to connect the main account (_, connected account A (l_, connected account B (1700), connected account C (1800), etc. to process the transaction The above-mentioned linked transfer||(1 shed) is classified and assigned an individual code (account type, etc.) j account (15GG) and connected secondary account (1_) at the parental demand of the household holder provided via the external network connection towel. (17()()), (face); store:, s reason, the name of the connected secondary account specified by the holder of the account, and the name of the account linked to the account number, and stored and managed; It is easier to ask for the card of the account holder, where the account of the specific account has a connection function to trade on the individual account by comparing the above-mentioned merchant's capital and account classification code. Connected transfer $ (140 ( )) The function can be separately constructed in addition to the main battery system (10). (10) When the connected account is the minimum value of the crane, it can also be linked to the function of the software (1400) as a software function. In addition, the twenty-eighth state Account, the only one of the sisters has a door from the soil, only the account is not Same as the account information of the main computer secret () 25 library (10) 0) 'This situation is not illustrated in the figure, can be managed with the primary account 〇 _, connected secondary account A (1600), connected secondary account B (10) 〇), and connected Account database of the secondary account CC1800) (8〇〇). In addition, the shared account (1900) is connected to the host computer system (7〇〇), wherein the shared account (deleted) is used as a temporary account for the transfer at the time of processing, meaning that the host computer system (700) is established for (6) of the above external network connection towel, transaction, account database (10) G), connected transfer (10) G), and connected account (1600) '(1700), (face) account transaction, and / / payment channel (deleted) An account for an internal account transaction (or a transaction in an account). In this shared account, the host computer system (10) can batch the transaction details, the transaction details are transferred from the storage shared account (1_ by the host computer system (10)) to another merchant account, and the actual structure can have the same as any The structure of other bank accounts. The twenty-ninth figure illustrates the foregoing embodiment of the present invention, which is represented by the eighteenth figure, and the data flows to the terminal connected to the wired & wireless telephone (3〇〇) via the Internet word processor (2〇〇). (100) establishing transaction data by a dual tone multi-frequency (DTMF) method or the like, and via an external network connection center (600) from an optional routing (ARS) server (400), an ATM terminal (500), and The counter terminal or the like transmits the transaction data to the host computer system (700). When the transaction demand (S701) is from the terminal (100) connected via the Internet server (2), via the optional routing (ARS) word server (shed), the wired & radiotelephone 26 1358680 (300) , All Terminal (500), etc. to establish 'receive the demand of the main computer system () and then transmit the demand reduction (S7G2) to establish and transfer side of the transaction needs of the „reparent. 攸 request for the father of the device, account information, such as account number And (8) (8) is transmitted to the main computer system (7〇〇). The receiver, the main battery is the second, whether the account is the connected account of the aforementioned account classification and then the notification (S1401) connected to the transfer (just). Connected transfer 〇 4 〇〇) Lianzhi (5)402XS14G3), (S1404), (S14Q5) corresponds to the main account and the caps of the main computer system (paste) that are individually referenced at the main electric grease system (7 0 〇), the main computer system ( 700) After receiving the selected transaction (5)·, transaction information, 'and transaction amount coffee 5 from the main system (10)), the connected account is selected according to the data from the external network connection center (10) 0), and the transaction summary is poor. Material preparation (10) (10) and reference to teach The transaction amount of the details (S705). The main computer system (10)) clears the coffee from the shared account (10) and the amount of information on the main account and the connected account), = is = the actual transaction occurs, if the transaction information is just the result乂I to other banks outside the bank, such as transferring funds to the bank account outside the bank, the main electricity system (10) j) pass the household information (fiber) to pay the road (_ 'screening the bank's approval, then she (four) details 2 households from the city money section. Material, Qiao brain ^ clear discussion === rr and the amount of information on the account and the connected account, and the transaction actually occurred in each account 27 1358680 (S1409MS1412). The thirtyth figure is like the tenth person The diagram represents the foregoing inventive architecture, exemplifying the greening process via the payment channel (10). When the transaction demand (S7(1) by other banks' computer systems U_(1_, via the card transaction terminal, and by other authorized financial stomachs, Lin Hong At the time, the main electricity, system (10) will transfer the account (4) demand via the payment channel (900) (S7 (2) to the computer system or terminal that establishes the side transaction demand. The request (4) device_payment channel (face) transmits the account information, such as the account number ( S713 ), to the main computer system (10), and the main computer system (7〇〇), then the account will be linked to the account number __, transfer (sl42〇) account to the connected sub-transfer (1400). Connected sub-transfer (10) 〇) Connection (S1421) (S1422), (S1423), (S1424) corresponds to the main account and the account connected to the main computer system (7〇〇) at the demand of the main computer system (700). On the main power m (7GG) The demand is connected to the main account and the account connected to the host computer system (S1421) (S·), (S1·, (5) 424). In this case, it is assumed that the account holder has been verified by piN, etc. at other bank computer systems (coffee), card transaction terminals connected via VAN, and computer systems of other unauthorized financial trading institutions, but not Check the PIN, etc., however, if a transaction such as a withdrawal occurs, an additional PIN can be given. The device requesting the stomach via the payment channel (10) G) then receives the additional transaction information, that is, the ID number of the transaction device and the transaction amount (S715), and the host computer 28 system (7GG) passes it (5) 425) to the tree device (). At this time, the transfer account a (1 shed) uses the transfer information from the connected transfer to determine whether the purchase is authorized or not, that is, the individual account is used to buy a specific account. In order to find out from the special solution, Wei Ming's existing transaction information transmitted via the #1 channel (9()()) contains the transaction terminal 1D number, or the purchase terminal at the transaction terminal installation, and thus the designated cap forest Sending a daily _ buy, also in the account of the account holder account, if you buy a designated transaction, you can make a transaction by purchasing the designated account in the connected secondary account of the holder. If the account holder indicates that the --specific school is in the connected account, the transaction information transmitted by the payment channel (coffee) may be made by the user. In this case, the tree is transferred (4) to the authorization to give or not to the main system (10)) and the main battery system (10) then transmits the authorization information (S716) to the payment channel (10), by referring to the transaction details. Clear (S7(7) shared account and information on transaction description and amount, etc. The main computer money () then settles (S1427) the primary account and the connected account based on the information on the account (reward) trade information and amount, etc. Then, the actual transaction (S1428)-(S1431) is performed on each corresponding account. During this process, no/additional information is added according to the balance in the account, for example, the daily parental number is limited for each transaction, the purchase is selected, and the like. The transaction banking computer needs to be selectively or restrictively processed. Similarly, the architecture of the present invention has the advantage of implementing the linked account service of the invention of the invention, and the subject needs to substantially modify the functionality of the computer system for ageing (700). In this invention, it is described by a connected account linked to the primary account, however, according to the assignment rules on the aforementioned account, for the primary account, the primary account holder can designate other accounts for financial positions. a group, and confusing the number to each other account holder's account group management management linked account to have a connected account respectively. The invention described so far can be known by those skilled in the art who are familiar with the field of the presenting call. Different angles to understand. [Simplified description of the drawings] - Figure: Traditional skills - traditional loan card transaction process, the second picture: the traditional skills - the traditional loan process in use, the third process: the traditional skills - borrowing The fourth order of the transaction sequence of the card transaction: the skill of learning - the order of the transaction of the loan card in use. The fifth picture: f knowing the skill - bribe shirt, the sixth example of the system: f knowing the art - connecting k through the external network Trading; sniffing the seventh picture: f knowing the art - the transaction sequence through the payment channel. The eighth picture: the account holder's account structure example ninth: account transaction structure example tenth figure: trading system example eleventh figure: Bank Account Assignment Example 30 1358680 · Twelfth Diagram: Example of Secondary Account Definition Figure 13: Example of Account Classification Code Figure 14: Figure 20: Phase of the Message via Optional Route (ARS) Secondary account service process twentieth * Figure 27: Service flow by SMS and / or via online account Figure 28: Link account service system Figure 29: Transaction flow through the external network connection center Thirty-fifth: Transaction Flow via Payment Channel [Main Component Symbol Description] 100 Terminal 200 Internet Server 300 Telephone 400 Optional Routing (ARS) Server 500 ATM Terminal 600 Center

700 main computer system 800 account database 801 account A 802 account B 1358680

803 account C

804 Account D 900 Payment Channel 1000 Bank A Computer System 1100 Account Database 1200 Bank B Computer System 1300 Account Database 1400 Connected Transfer Agent 1500 Master Account

1600 connected sub-account A

1700 connected secondary account B

1800 connected sub-account C 1900 shared account S701 transaction demand S702 account data demand

S703 Account &PIN S704 Account Connection S705 Additional Transaction Information & Transaction Volume S706 Transfer Information S707 Authorization 32 1358680 S708 Settlement Account S711 Transaction Demand S712 Account Data Requirement S713 Account S7i4 Connection Account S715 Additional Transaction Information Volume S716 Authorization Information S717 Account Settlement S1401 connected account notification S1402 Primary account connection S1403 Connection Secondary account A Connection S1404 Connection Secondary account B Connection S1405 Connection Secondary account C Connection S1406 Connection Secondary account Selection S1407 Transaction selection

S1408 clears the primary account and the connected secondary account S1409 primary account S1410 accounts A S1411 accounts B S1412 accounts C 33 1358680

S1420 account S1421 primary account connection S1422 connected secondary account A connection S1423 connected secondary account B connection S1424 connected secondary account C connection S1425 additional transaction information & transaction volume S1426 authorization information S1427 settlement primary account and secondary account S1428 primary account S1429 account A S1430 account B S1431 account C 34

Claims (1)

X. Application for patent scope: The method 'the basic transaction system connects the main account to the transfer account. The bank transaction system contains: — the main computer system' on the account of the management account holder, which contains the main account and Connect account; account billet library is used to store account information and is connected to the above-mentioned main computer system for management; and the T-person gates are responsible for the transaction between the main computer system and external commercial and/or interbank transactions. And the system is connected to the above main computer system; the above method includes the following steps: · The user establishes a shirt and asks for the secret to the main computer system, and the main computer system responds to the Weihu data request to the user terminal. ; transfer the account data to the host computer system by the user terminal; 2 brain system, silk account classification code for the connection of the main account and the connection account sub-notice Wei Zhi mixed with the main power job connection Wei set _ save and manage the main account And the connected account; = the transfer of n to provide information on the main account and connected account of the classification of the main wide-brain system; The parent account associated with the primary account and the connected account selection; the six 2 system accepts transaction information related to the transaction category from the user terminal and stores the transaction information in the shared account and configures it in the transaction operation 35 I35868 〇 Storing transaction information; and its transfer = _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ The value of the ship, and the computer system of the approved financial transaction institution via the network system, the system, the easy, the machine or the computer transaction data of the financial transaction institution containing the account number is transmitted to the host computer system via the payment gateway, =: :==:=__ The method of connection and the connection between the main and the connection account is based on the result of the transaction information transmission decision to the payment gateway and adjusts a total of 2. = Please refer to the method described in item 1 of the patent scope , including the following steps: Account Transfer: The main computer system is transferred by the payment gateway when the transfer is made, and the deposit transfer is accepted from the bank; and 36 1358680 is based on sharing Household transaction information and deposit axis main account 3 · The method described in item 1 of the patent application scope, including: Connected mail post-finished code shirt with =: related, compare delivery -= to code: for the transfer The managed primary account and the secondary account's account classification mir the method described in item 1 'its $, the connection to the primary account and the connection to the second connection account's new account connection, providing the connection account ^ — riding The account is then deposited into the connected account, and the order of the data is passed. The connection between the computer system and the user terminal 6·:::=::., 'its,' and the wired or helmet green, and the automatic response system (ARS) feeding device and the telephone 'Automatic teller machine deleted, met the Internet terminal. 37