TWI615790B - Fund consuming method and system - Google Patents

Abstract

The invention discloses a fund consumption method and system. The fund consumption method first obtains the seller's identity information of one seller; and obtains one of the buyer's identity information and a consumption amount; and then, according to the buyer's identity data, confirms whether one of the buyer's buyer's fund stocks is sufficient in a fund database. Pay the amount of consumption; if the fund stock is sufficient to pay the consumption amount, transfer the part of the buyer's fund stock equivalent to the consumption amount to one of the seller's fund stocks, or sell the part of the buyer's fund stock equivalent to the consumption amount as a conversion Cash and transfer the converted cash to one of the seller's financial accounts.

Description

Fund consumption method and system

The present invention relates to a consumer system, and more particularly to a fund consumption method and system.

At present, fund trading requires an investor's application and must be completed after a certain procedure. Moreover, fund trading has its own operating time. If cash transactions are required, it is not possible to redeem the fund into cash for immediate use.

A first embodiment of the present invention provides a fund consumption method, comprising: obtaining a seller's identity data of a seller; obtaining a buyer's identity data and a consumption amount; and confirming the buyer in a fund database according to the buyer's identity data. Whether the buyer's fund inventory is sufficient to pay the consumption amount; and if the fund inventory is sufficient to pay the consumption amount, the portion of the buyer's fund inventory equivalent to the consumption amount is transferred to one of the seller's seller fund stocks.

The first embodiment of the present invention further provides a fund consumption system, including a checkout device and a fund server. The checkout device comprises: a reading module for reading a buyer identity data of a buyer device; a storage module for storing a seller identity data; and a checkout module for generating a transaction amount of the transaction; And a communication module for transmitting the buyer identity data, the seller identity data and the consumption amount. The fund server includes: a fund database storing buyer fund inventory corresponding to one of the buyer's identity data and one of the vendor fund inventory corresponding to the seller's identity data; a network module, receiving the buyer identity data, the seller identity data and the consumption amount A trading module that confirms that the buyer's fund inventory is sufficient to pay the consumption amount, and transfers the portion of the buyer's fund inventory equivalent to the consumption amount to the seller's fund inventory.

A second embodiment of the present invention provides a fund consumption method, comprising: obtaining one seller's identity information; obtaining a buyer's identity information and a consumption amount; and confirming the buyer in a fund database according to the buyer's identity data. Whether the buyer's fund inventory is sufficient to pay the consumption amount; if the fund inventory is sufficient to pay the consumption amount, the portion of the buyer's fund inventory corresponding to the consumption amount is sold as a conversion cash; and the converted cash is transferred to one of the seller's financial accounts.

A second embodiment of the present invention further provides a fund consumption system including a checkout device and a fund server. The checkout device comprises: a reading module for reading a buyer identity data of a buyer device; a storage module for storing a seller identity data; and a checkout module for generating a transaction amount of the transaction; And a communication module for transmitting the buyer identity data, the seller identity data and the consumption amount. The fund server includes: a fund database storing buyer fund inventory corresponding to one of the buyer identity materials; a network module, receiving buyer identity data, seller identity data and consumption amount; and a transaction module confirming that the buyer fund inventory is sufficient After paying the consumption amount, the portion of the buyer's fund inventory corresponding to the consumption amount is sold as a conversion cash, and the converted cash is transferred to one of the seller's financial accounts.

In summary, the fund consumption method and system proposed by the embodiments of the present invention can allow the buyer to use the fund as a payment tool, thereby eliminating the complicated procedures for fund redemption, and the seller can also reduce the risk of cash management.

1 is a schematic diagram of a fund consumption system according to a first embodiment of the present invention. The fund consumption system includes a checkout device 100 and a fund server 200. The checkout device 100 can be a cash register or a point of sales (POS) device fixedly installed in a sales place, or can be a seller's computer device (such as a desktop computer, a notebook computer, a tablet computer, a smart phone). Etc.), which is equipped with specific commercial checkout software. The checkout device 100 is connected to the fund server 200 via the Internet 300.

2 is a schematic diagram of the checkout device 100 and the fund server 200 according to the first embodiment of the present invention. Referring to FIG. 1 and FIG. 2, the checkout device 100 includes a reading module 110, a storage module 120, a checkout module 130, and a communication module 140. The reading module 110 is configured to read a buyer identity data of a buyer device 400. Here, the reading module 110 can be a barcode reader or a wireless sensor reader based on a field communication technology (NFC) or a radio frequency tag technology (RFID). Depending on the technology used by the reading module 110, the buyer device 400 can display a bar code (such as a two-dimensional bar code) having the buyer's identity data for the reading module 110 to capture, or can transmit a wireless signal with the buyer identity data for the reading module. 110 received. The storage module 120 can be a flash memory or a hard disk and stores the seller identity data. The checkout module 130 is available for the seller to operate in the checkout process to generate a transaction amount of the transaction. The communication module 140 is configured to send the buyer identity data, the seller identity data, and the consumption amount to the fund server 200. Depending on the action characteristics of the checkout device 100, the communication module 140 can employ a mobile communication module, a wireless network module, or an Ethernet module. Here, the buyer identity data is information that the fund server 200 can identify the buyer's identity, such as the customer number, the identity card number, the phone number, the transaction serial number, and the like. The seller's identity information is information that can be used by the fund server 200 to identify the seller's identity, such as the customer number, the identity card number, and the business person's uniform number.

As shown in FIG. 2, the fund server 200 includes a fund database 210, a network module 220, and a transaction module 230. The fund database 210 stores the buyer fund inventory corresponding to the buyer identity data and the seller fund inventory corresponding to one of the seller identity materials. The buyer's fund inventory is the stock of funds owned by the buyer, which may include more than one fund product and the number of units corresponding to each fund product. The seller's fund inventory is the stock of funds owned by the seller, which may include more than one fund product and the number of units corresponding to each fund product. The fund products in the buyer's fund inventory are not the same as the fund products in the seller's fund inventory. The network module 220 is used to connect to the Internet to receive the buyer identity data, the seller identity data and the consumption amount transmitted by the checkout device 100. The transaction module 230 is implemented by the processor running a specific fund transaction software, and can confirm whether the buyer fund inventory is sufficient to pay the consumption amount. If the payment is sufficient (ie, the value of the buyer fund inventory is greater than or equal to the consumption amount), the transaction amount will be equivalent to the consumption amount. The portion of the buyer's fund inventory is transferred to the seller's fund inventory.

In an embodiment, the fund database 210 may store the preset transfer fund products set by the buyer, and may also store the preset transfer fund products set by the seller, so that the transaction module 230 preferentially obtains the fund data. The preset transfer-out fund items recorded in the library 210 are transferred out of the unit of the equivalent consumption amount, and the transaction module 230 preferentially transfers the unit number of the corresponding consumption amount to the preset transfer fund product recorded in the fund database 210. in.

In an embodiment, as shown in FIG. 3, it is a schematic diagram of the transaction module 230 of the first embodiment of the present invention. The transaction module 230 includes a fund selling unit 231, a transfer unit 232, and a fund buying unit 233. The fund selling unit 231 is configured to sell a portion of the buyer fund inventory equivalent to the consumption amount as a conversion cash. The transfer unit 232 is configured to transfer the converted cash to one of the seller's financial accounts. The fund purchase unit 233 purchases the fund into the seller's fund inventory by converting cash in the seller's financial account. In this way, by converting the fund into cash and then converting the cash into a fund, the purpose of the aforementioned fund transfer can also be achieved.

Please refer to FIG. 4, which is a flowchart of a fund consumption method according to a first embodiment of the present invention. First, since the storage module 120 of the checkout device 100 stores the seller identity data, the checkout device 100 can obtain the seller's identity information of the seller (step S610). Then, the buyer's identity data of the buyer can be obtained through the reading module 110, and the purchase amount of the transaction can be obtained via the checkout module 130 (step S620). In step S630, based on the buyer identity data, it is confirmed in a fund database 210 whether the buyer's buyer fund inventory is sufficient to pay the consumption amount. Finally, in step S640, when it is confirmed that the fund inventory is sufficient to pay the consumption amount, the portion of the buyer fund inventory corresponding to the consumption amount is transferred to one of the seller's fund fund inventory. In this way, the seller can collect the value of the fund equivalent to the amount of consumption from the buyer, reducing the risk of money management; the convenience of buying does not require payment by cash, credit card or other payment methods, and the complicated procedures for redemption of the fund can be saved. Moreover, since the fund server 200 first partially locks the fund to be redeemed and makes the fund part unusable, it may have a similar performance guarantee function, so step S640 may pass a preset time (such as Hours, one day, seven days).

In an embodiment, step S610 and step S620 are interchangeable, that is, step S620 is performed first and then step S610 is performed. Referring to Figure 5, there is shown a detailed flow chart of step S640 of the first embodiment of the present invention. The transfer of funds described above can be directly converted into the value of the fund commodities to be transferred and the number of units to be converted. Here, another transfer method is described, which is to first sell the portion of the buyer’s fund stock equivalent to the consumption amount as a conversion cash. (Step S641), the converted cash is transferred to one of the seller's financial accounts (step S642), and then the fund is purchased into the seller's fund stock by the converted cash in the seller's financial account (step S643). Through these steps, the transfer of the buyer's fund's intent to the seller's fund inventory can also be completed.

Referring to Figure 6, there is shown a flow chart of the transaction process of the first embodiment of the present invention. Step S701: The buyer operates its buyer device 400, which can run a specific payment software and can log in to the fund server 200. Then, in step S702, the fund server 200 can obtain the buyer information and the fund inventory amount. Next, the buyer device 400 can display the fund payment page (step S703). Step S704: The fund server 200 can generate the transaction serial number and the corresponding barcode to provide to the buyer device 400. In step S705, the buyer device 400 can display the received barcode for reading by the checkout device 100. After the checkout device 100 passes the checkout process S706, the amount of consumption can be generated, and the transaction serial number is obtained by reading the barcode, and the consumption amount and the transaction serial number are transmitted to the fund server 200. The transaction number generated by the fund server 200 is associated with the buyer device 400. The buyer device 400 corresponds to each transaction number according to each transaction event. This transaction number can be generated sequentially or in random numbers. Therefore, the transaction number is not only associated with the buyer device 400, but also distinguishes each transaction. In the foregoing communication process, only the transaction serial number is transmitted to represent the buyer's identity, which can reduce the risk of leakage of the buyer's data. Then, in step S708, the fund server 200 can correspond to the buyer device 400 according to the transaction serial number, and can find the buyer fund inventory corresponding to the buyer. Next, in step S709, the fund server 200 may check whether the value in the buyer's fund inventory is sufficient to pay the consumption amount, and if not, end the process (may also return an error message to the buyer device 400), and if so, conduct a transaction authorization check. Nuclear, confirm that the transaction is authorized by the buyer. If the authorization is passed, the process goes to step S710, and if not, the process ends (the error message can also be returned to the buyer device 400). In step S710, the fund server 200 will transfer the portion of the buyer fund inventory corresponding to the consumption amount to the seller fund inventory.

Next, a fund consumption system according to a second embodiment of the present invention will be described with reference to FIG. 1, and a flow chart of the fund consumption method of the second embodiment of the present invention will be described with reference to FIG. In the second embodiment, the fund consuming system also includes the checkout device 100 and the fund server 200. The difference from the first embodiment is that the transaction module 230 of the fund server 200 of the second embodiment sells the portion of the buyer's fund inventory equivalent to the consumption amount after confirming that the buyer's fund inventory is sufficient to pay the consumption amount. A cash transfer is performed (step S840), and the converted cash is transferred to one of the seller's financial accounts (step S850), and the fund database 210 of the fund server 200 may not need to have the seller's seller fund inventory. In other words, the difference from the first embodiment is that the fund consumption system of the second embodiment redeems the portion of the buyer's fund inventory equivalent to the consumption amount into cash, and transfers the cash to the seller's financial account. Steps S810 to S830 are the same as steps S610 to S630 of the foregoing first embodiment. For sellers who do not have a fund account, the fund consumption system of this embodiment can also be applied.

In one embodiment, as shown in FIG. 8 and FIG. 9, respectively, it is a schematic diagram of another fund consumption system and a flow chart of another fund consumption method according to the second embodiment of the present invention. The difference from the foregoing description is that the fund consuming system can further include a custodial server 500. The custodial server 500 is connected to the fund server 400, and before the converted cash is transferred to the seller's financial account, the converted cash is stored (step S851) to confirm the completion of the transaction or after a predetermined time (eg, hours, days, seven days) After that, the converted cash is transferred from the custodial server 500 to the seller's financial account (step S861). The remaining steps S810 to S840 are the same as described above. Here, the custodial server 500 can be provided by the same financial institution as the fund server 200, or the custodial server 500 can be provided to a third party payment provider.

Referring to Figure 10, there is shown a flow chart of a transaction process in accordance with a second embodiment of the present invention. Steps S901 to S909 are the same as steps S701 to S709 of FIG. 6 described above, except that after the step S909, if the transaction authorization check is passed, the fund redemption procedure is entered (step S910) to The fund that spends the amount is converted into cash. Next, the cash transfer procedure is entered (step S911), and the converted cash is transferred to the seller's financial account.

In some embodiments, between step S910 and step S911, the conversion cash may also be first placed in the custodial server 500 to ensure transaction security.

In summary, the fund consumption method and system proposed by the embodiments of the present invention can allow the buyer to use the fund as a payment tool, thereby eliminating the complicated procedures for fund redemption, and the seller can also reduce the risk of cash management.

While the present invention has been described above in the foregoing embodiments, it is not intended to limit the invention, and the invention may be modified and modified without departing from the spirit and scope of the invention. The scope of patent protection shall be subject to the definition of the scope of the patent application attached to this specification.

100‧‧‧Checkout device
110‧‧‧Reading module
120‧‧‧ storage module
130‧‧‧Checkout Module
140‧‧‧Communication Module
200‧‧‧ fund server
210‧‧‧Fund database
220‧‧‧Network Module
230‧‧‧Transaction module
231‧‧‧ Fund Selling Unit
232‧‧‧Transfer unit
233‧‧‧Fund buy unit
300‧‧‧Internet
400‧‧‧ buyer's device
500‧‧‧Custody Server
S610, S620, S630, S640, S641, S642, S643‧‧
S701~S710‧‧‧Steps
S810, S820, S830, S840, S850, S851, S861‧‧ steps
S901~S911‧‧‧Steps

1 is a schematic diagram of a fund consumption system according to a first embodiment of the present invention. 2 is a schematic diagram of a checkout device and a fund server according to a first embodiment of the present invention. FIG. 3 is a schematic diagram of a transaction module according to a first embodiment of the present invention. 4 is a flow chart of a fund consumption method according to a first embodiment of the present invention. FIG. 5 is a detailed flow chart of step S640 of the first embodiment of the present invention. Fig. 6 is a flow chart showing the transaction process of the first embodiment of the present invention. FIG. 7 is a flow chart of a fund consumption method according to a second embodiment of the present invention. FIG. 8 is a schematic diagram of another fund consumption system according to a second embodiment of the present invention. 9 is a flow chart of another fund consumption method according to a second embodiment of the present invention. FIG. 10 is a flow chart of a transaction process according to a second embodiment of the present invention.

100‧‧‧Checkout device

200‧‧‧ fund server

300‧‧‧Internet

400‧‧‧ buyer's device

Claims (8)

A fund consumption method includes: storing one seller's identity information in a checkout device; logging in a fund server by one of the buyer's buyer devices, so that the fund server obtains one of the buyer's identity data; the fund The server generates a transaction serial number to the buyer device; the buyer device displays a barcode corresponding to the transaction serial number; the checkout device obtains the transaction serial number by reading the barcode, and generates a consumption amount in a checkout program; The account device transmits the transaction serial number, the seller identity data and the consumption amount to the fund server; the fund server finds the buyer identity data according to the transaction serial number; and confirms the information in the fund database according to the buyer identity data Whether the buyer’s stock of the buyer’s stock is sufficient to pay the amount of the purchase; and if the fund’s stock is sufficient to cover the amount of the purchase, the portion of the buyer’s fund stock equal to the amount of the purchase is transferred to one of the seller’s seller’s stock. The method of claim 1, wherein the portion of the buyer's fund inventory corresponding to the consumption amount is transferred to one of the seller's seller funds: the buyer fund inventory corresponding to the consumption amount The portion of the sale is a conversion cash; the converted cash is transferred to one of the seller's financial accounts; and the converted cash in the seller's financial account is used to purchase the fund into the seller's fund inventory. A fund consumption system comprising: a checkout device comprising: a read module; a storage module for storing a seller identity data; a checkout module for generating a transaction amount; and a communication module And a fund server comprising: a fund database storing a buyer fund inventory corresponding to one of the buyer identity data and a seller fund inventory corresponding to the seller identity data; a network module receiving the buyer device Logging in to obtain the buyer identity data, and transmitting a transaction serial number to the buyer device, wherein the reading module of the checkout device reads the bar code of the buyer device to display the transaction number, and obtains the transaction serial number. The network module receives the transaction serial number, the seller identity data and the consumption amount transmitted by the communication module of the checkout device; and a transaction module, correspondingly finding the buyer identity data according to the transaction serial number, confirming the After the buyer's fund inventory is sufficient to pay the consumption amount, the portion of the buyer's fund inventory corresponding to the consumption amount is transferred to the seller's fund inventory. The fund consumption system of claim 3, wherein the transaction module comprises: a fund selling unit, selling the portion of the buyer fund inventory corresponding to the consumption amount as a conversion cash; a transfer unit, Transferring the converted cash to one of the seller's financial accounts; and a fund buying unit to purchase the fund into the seller's fund inventory by the converted cash in the seller's financial account. A fund consumption method comprising: Storing one seller's identity information in a checkout device; logging in to a fund server by one of the buyer's buyer devices, so that the fund server obtains one of the buyer's identity data; the fund server generates a transaction serial number to a buyer device; the buyer device displays a bar code corresponding to the transaction serial number; the checkout device obtains the transaction serial number by reading the bar code, and generates a consumption amount in a checkout program; the checkout device transmits the transaction serial number, The seller's identity information and the amount of the purchase to the fund server; the fund server finds the buyer's identity data according to the transaction serial number; according to the buyer's identity data, confirms whether one of the buyer's buyer's fund inventory is in a fund database Sufficiently paying the amount of the purchase; if the fund's inventory is sufficient to pay the amount of the purchase, the portion of the buyer's fund inventory corresponding to the consumption amount is sold as a conversion cash; and the converted cash is transferred to one of the seller's financial accounts. The fund consumption method according to claim 5, wherein after the portion of the buyer fund inventory corresponding to the consumption amount is sold as a conversion cash, the method further comprises: storing the converted cash in a custodial account. A fund consumption system comprising: a checkout device comprising: a read module; a storage module for storing a seller identity data; a checkout module for generating a transaction amount; and a communication module Group; and A fund server includes: a fund database storing a buyer fund inventory corresponding to one of the buyer identity data; a network module receiving the login of the buyer device to obtain the buyer identity data, and transmitting a transaction serial number to The buyer device, wherein the reading module of the checkout device reads the bar code of the buyer device to display a transaction number, and the network module receives the communication module of the checkout device The transaction serial number, the seller's identity information and the consumption amount; and a transaction module, which finds the buyer's identity data according to the transaction serial number, and confirms that the buyer's fund inventory is sufficient to pay the consumption amount, which is equivalent to the consumption A portion of the purchaser's fund stock is sold as a conversion cash and the converted cash is transferred to one of the seller's financial accounts. The fund consuming system of claim 7, further comprising a custodial server for storing the converted cash before the converted cash is transferred to the financial account of the seller.