TWI636431B - System for transferring after opening bank account automatically based on borrowing data and method thereof - Google Patents

Abstract

A system and method for automatically transferring funds according to loan information after opening an account, after the temple server generates setting data including the identification data of the believer, the bank server generates the borrowing data corresponding to the set data, and the account opening connection of the account opening To the bank server, and the bank server provides the account opening client to open the client account according to the loan information, the bank server can transfer money to the customer account according to the setting data, and the money can be used to provide the money or the deposit. Achieve the technical effect of reducing the labor cost of the temple.

Description

System and method for automatically transferring funds according to loan materials after opening an account

An automatic transfer system and method thereof, in particular, a system and method for automatically transferring funds according to loan information after opening an account.

Making money and driving money is a small loan for the temple to believers. Most believers will borrow money to do business or invest in money, and hope that there will be blessings of gods and they will be able to make a profit. The dates or conditions or the maximum amount of the money for each temple are different. For example, some temples can borrow a maximum of 300, some temples are 600, some temples can borrow one year, and some temples only borrow half a year. The temples can directly borrow money, and some temples need to roll the holy shrine first.

At present, the loans for the temples, such as the fortune, and the transportation of gold, are borrowed in cash. This means that each temple needs to prepare a certain amount of cash at any time. Therefore, the temple needs special preparation of manpower or insurance to protect the prepared cash. When a temple is held, for example, a temple offering a festival dedicated to the gods or the traditional festivals of the custom, the believers will come to the temple to worship in large numbers. This means that the believers will increase their wealth and the amount of money to be shipped. Therefore, the temple will be raised. Special cash withdrawals are needed, and even human resources are needed to protect cash to reduce the risk of stolen or robbed cash.

In summary, it can be seen that in the prior art, there has been a long-standing problem that temples provide cash or cash for cash to increase the risk of being stolen or robbed. Therefore, it is necessary to propose improved technical means to solve this problem.

In view of the prior art, there is a problem that a temple providing cash or cash for cash may increase the risk of being stolen or robbed. The present invention discloses a system and method for automatically transferring money based on borrowing materials after opening an account, wherein:

The system disclosed in the present invention for automatically transferring funds according to the loan information after opening an account includes at least: a temple server for obtaining identification data and for generating setting data, wherein the setting data includes identification data and temple identification data. The temple identification data corresponds to the temple account; the bank server is configured to receive the setting data transmitted by the temple server, and generate the borrowing data corresponding to the setting data; the account opening client is used to obtain the borrowing data, and is used to connect to the bank The server enables the bank server to provide an account opening client to open a client account according to the loan information, and after the account opening client completes the account opening, the account is transferred from the temple account to the client account according to the setting data.

The method disclosed in the invention for automatically transferring funds according to the loan information after opening an account comprises the steps of: providing identification data; the temple server generates setting data, the setting data includes identification data and temple identification data, and the temple identification data corresponds to the temple account. The temple server transmits the setting data to the bank server; the bank server generates the borrowing data corresponding to the setting data; the account opening client obtains the borrowing data and connects to the bank server; and the bank server provides the account opening client according to the account opening information. Customer account; after the account opening client completes the account opening, the bank server transfers the account from the temple account to the customer account according to the setting data.

The system and method disclosed in the present invention are as above, and the difference from the prior art is that after the invention generates the setting data including the identification data of the believer through the temple server, the bank server generates the loan information corresponding to the set data, and opens the account. After the client connects to the bank server and opens a client account based on the obtained loan information, the bank server transfers the account from the temple account to the client account according to the setting data, so as to solve the problems existing in the prior art, and can reduce the temple offering. The technical effect of the labor cost of issuing money or shipping money lending services.

The features and embodiments of the present invention will be described in detail below with reference to the drawings and embodiments, which are sufficient to enable those skilled in the art to fully understand the technical means to which the present invention solves the technical problems, and The achievable effects of the present invention.

The invention can enable the temple to seek for the fortune when the believer seeks fortune, for example, when the believer seeks to make a fortune, a cashier, or a starter, without using cash, but the believer asks the believer to ask for the money from the temple after the bank opens an account at the bank. The account is transferred to the account opened by the believer.

In the following, the system operation of the present invention will be described with reference to the system architecture diagram of the present invention, which is based on the automatic transfer of loan information after opening an account. As shown in "FIG. 1", the system of the present invention includes a temple server 110, an account opening client 130, and a bank server 150.

The temple server 110, the account opening client 130, and the bank server 150 of the present invention are all computing devices. The computing device can include, but is not limited to, one or more processors, memory modules, and bus bars that connect different components, including memory modules and processors.

The processor of the computing device of the present invention is coupled to the bus bar. The processor includes a register group or a scratchpad space, and the register bank or scratchpad space may be entirely on the processing wafer, or wholly or partially outside the processing wafer and via a dedicated electrical connection and/or via The bus bar is coupled to the processor. The processor can be a processing unit, a microprocessor, or any suitable processing element. If the computing device is a multi-processor device, that is, the computing device includes multiple processors, the computing device includes the same or similar processors and is coupled and communicated through the bus.

A processor of the computing device can be coupled to the chip set. A chipset consists of one or more integrated circuits (ICs) that contain a memory controller and a peripheral input/output (I/O) controller. The chipset typically provides input and memory management functions, as well as providing a plurality of general purpose and/or dedicated registers, timers, etc., wherein the general purpose and/or dedicated registers and timers are coupled to One or more processors of the chipset access or use. In addition, the memory controller and the peripheral input/output controller may be included in one integrated circuit, or may be implemented using two or more integrated circuits.

The processor can access the memory module and the data in the large-capacity storage area through the memory controller. For example, the memory controller can access the data contained in the cache memory or the hard disk drive. The above memory module includes any type of volatile memory and/or non-volatile memory (NVRAM) memory, such as static random access memory (SRAM), dynamic random access. Memory (DRAM), flash memory (Flash), read-only memory (ROM), etc. The mass storage area described above may include any type of storage device, such as a hard disk drive, a compact disc, a tape drive, a flash drive (flash memory), a solid state disk (SSD), or any other storage device. Wait.

The processor can also communicate with the peripheral device or interface such as the peripheral output device, the communication interface, and the GPS receiver through the peripheral output/input bus through the peripheral output/input controller. The peripheral output device can be any type of input and output device, such as a keyboard, a mouse, a trackball, a trackpad, a joystick, a display, a printer, and the like. The communication interface can include a wireless communication interface and/or a wired communication interface, and the wireless communication interface can include a wireless local area network such as Wi-Fi, Zigbee, Bluetooth, infrared, near field communication (NFC), mobile communication network, or other wireless data transmission. The interface of the protocol, the wired communication interface can be an Ethernet device, an asynchronous transfer mode (ATM) device, a DSL data machine, a cable (data) data machine, and the like. The processor can periodically poll various peripheral devices and interfaces so that the account opening client can perform data input and output, as well as communicate with another computing device having the components described above.

The busbar of the computing device can include one or more types, such as a data bus, an address bus, a control bus, an expansion bus, and / or a bus such as a local bus. Busbars for computing devices include, but are not limited to, side-by-side industry standard architecture (ISA) busses, peripheral component interconnect (PCI) busses, video electronic standards associations (VESA) local busses, and tandem universal sequence busses (USB), Fast Peripheral Component Interconnect (PCI-E) bus, etc.

The temple server 110 is connected to the bank server 150 and can provide a connection to the bank server 150. The temple server 110 is responsible for transmitting data or signals to the bank server 150 and can receive data or signals transmitted by the bank server 150. The connection between the temple server 110 and the bank server 150 can be through a wired network or a wireless network, and the present invention is not particularly limited.

The temple server 110 is responsible for obtaining identification information. The identification data obtained by the temple server 110 is arbitrarily arranged in any number of characters, letters, numbers, and symbols, such as an identity card number, a passport number, a mobile phone number, an email account, etc., but the present invention does not Any information that can be used to represent believer 101 can be used as the identification information of the present invention.

In general, the temple server 110 can receive the identification data transmitted by the temple client 140, but the invention is not limited thereto. For example, the temple server 110 can also transmit images to the temple client 140. Identify to obtain identification data. The temple client 140 may be a device having a data processing function and a communication function. For example, the temple client 140 may be a computer, a mobile phone, a tablet, and the like for providing service personnel of the temple to input identification information. 140 may also be a device that takes an image of the identification material of believer 101.

The temple server 110 is also responsible for generating setting data. The setting data generated by the temple server 110 includes the acquired identification data and the temple identification data. The temple identification data provided by the present invention corresponds to one or more temple accounts, and the temple identification data is arbitrarily arranged by any number of characters, letters, numbers, symbols, etc., but the invention is not limited thereto, Letting the bank server 150 recognize the data of different temple servers 110 can be used as the temple identification data proposed by the present invention. In some embodiments, the setting data generated by the temple server 110 also includes the amount of the loan, that is, the amount of the money that the believer asks for.

The temple server 110 is also responsible for transmitting the setting information to the bank server 150 and receiving the loan information 400 returned by the bank server 150. The loan information 400 received by the temple server 110 is information for providing the bank account 150 to the customer account opened by the believer 101, such as a two-dimensional barcode, a QR code, etc., but the loan information 400 proposed by the present invention is not The above is limited. Generally, the loan data 400 corresponds to the setting data generated by the temple server 110. In more detail, the loan data 400 may directly contain the corresponding setting data, or may be borrowed by the bank server 150 or the account opening client 130. After the 400 decoding, the corresponding setting data is obtained, or the corresponding setting data can be read by the bank server 150 according to the identification code included in the loan data 400, and the present invention is not particularly limited.

The temple server 110 can also receive the service message transmitted by the bank server 150, and provide corresponding temple services according to the service message, such as lighting, An Tai Sui, and the like. The service message received by the temple server 110 may include information corresponding to the specific temple service, so that the temple server 110 provides the temple service specified by the service message, and the service message may also include prompt information, and the temple server 110 may According to the prompt information, select the corresponding temple service.

The account opening client 130 is a device having data processing functions and communication functions, including but not limited to televisions, personal computers, notebook computers, mobile phones, tablets, navigation devices, multimedia players, e-book readers, electronic dictionaries, and computer computers. , TV game instruments, etc.

The account opening client 130 is responsible for connecting to the bank server 150 and is also responsible for transmitting data or signals to the bank server 150 and for receiving data or signals transmitted by the bank server 150. The connection between the account opening client 130 and the bank server 150 can be connected through a wired network or a wireless network, and the present invention is not particularly limited.

The account opening client 130 is responsible for obtaining the loan information 400 generated by the bank server 150. The account opening client 130 may perform interception and image recognition on the paper containing the loan data 400 obtained by the believer 101, and may also capture and identify the loan data 400 displayed by the temple server 110 or the temple client 140, or may be The believer 101 obtains a file including the loan information 400 from a storage medium such as a flash drive or a compact disc of the temple, and the present invention is not particularly limited.

The account opening client 130 is also responsible for connecting to the bank server 150 and completing the account opening operation based on the obtained loan information 400. The account opening client 130 may connect to the bank server 150 according to the website address included in the loan information 400 and complete the account opening operation, or may provide (transfer) the loan during the opening of the account after connecting to the bank server 150. The data 400 is sent to the bank server 150.

The bank server 150 provides a connection to the temple server 110 and the account opening client 130 and can be connected to the temple server 110. The bank server 150 is responsible for transmitting data or signals to the temple server 110 or the account opening client 130, and is also responsible for receiving data or signals transmitted by the temple server 110 or the account opening client 130. The bank server 150 and the temple server 110 and the account opening client 130 can be connected through a wired network or a wireless network, and the present invention is not particularly limited.

The bank server 150 is responsible for receiving the setting data transmitted by the temple server 110 and generating the loan data 400 corresponding to the setting data. The bank server 150 can also transmit the generated loan data 400 back to the temple server 110.

The bank server 150 is also responsible for providing the account opening client 130 to open a client account, and is responsible for and after the account opening client 130 completes the account opening, the account is transferred from the temple account to the client account according to the setting data received from the temple server 110. In more detail, the bank server 150 can determine the user of the account opening client 130 as the believer 101 of the temple party according to the identification code provided when the account opening client 130 is connected, and can read the settings received from the temple server 110. After the account opening operation is completed, the borrowing amount agreed with the temple party is transferred from the temple account corresponding to the temple identification data in the setting data to the customer account opened by the account opening client 130. The bank server 150 may also prompt the account opening client 130 to provide the loan information 400 during the account opening operation of the account opening client 130, and when the account opening client 130 provides the loan information 400, read according to the identification code included in the loan information 400. Taking the setting data received from the temple server 110, or directly reading out the setting data included in the loan data 400, and after completing the account opening operation at the account opening client 130, the amount of the loan agreed with the temple party is set in the setting data. The temple account corresponding to the temple identification data is transferred to the customer account opened by the account opening client 130. If the amount of the loan included in the setting data 400 read by the bank server 150 is included, the bank server 150 may transfer the amount of the loan included in the read setting data from the temple account to the customer account.

The bank server 150 can also provide verification of the identification data during the process of opening an account with the account opening client 130. The bank server 150 can compare the identity information included in the setting data corresponding to the loan material 400 and the identity identification data provided by the account opening client 130 in the account opening operation, and if yes, determine the use of the account opening client 130. The applicant is the believer 101 of the temple, and performs the transfer operation after the account opening client 130 completes the account opening, and if the identification information contained in the setting information and the identification information provided by the account opening client 130 in the account opening operation do not match, Then, the bank server 150 may not perform the transfer operation after the account opening client 130 completes the account opening.

The bank server 150 can also record the repayment time, the loan amount, and the temple account included in the setting data transmitted by the temple server 110, and when the repayment time, that is, when judging the current time and the repayment time, Transfer the loan amount from the client account to the temple account.

The bank server 150 can also generate a service message according to the usage status of the client account and transmit the service message to the temple server 110. The usage status of the customer account mentioned above may be the total transaction amount, the monthly average balance, the total deposit amount, and the like of the customer account, and the present invention is not particularly limited. The bank server 150 may preset different ranks, determine a corresponding step according to the usage status of the client account, and generate a corresponding service message according to the determined rank; the bank server 150 may also be in the client account. A service message is generated when the usage status satisfies a certain amount.

Next, an operation system and method of the present invention will be described with reference to an embodiment, and please refer to the "2A diagram". The flow chart of the method for automatically transferring money according to the loan information after opening an account is proposed.

When the believer 101 wants to make a fortune, the believer 101 can apply to the temple window. First, the believer 101 needs to provide identification information to the temple side window (step 210). In this embodiment, assuming that the identification data is an identity card number, the believer 101 can provide the identity card to the service personnel of the temple window, so that the service personnel transmits the identity card number of the believer to the temple server through the temple client 140. 110, the ID card can also be directly sent to the temple client 140 installed in the temple window for scanning, and the temple client 140 can identify the identity card after the identity card image is scanned. The identity card number is transmitted to the temple server 110.

After the temple server 110 receives the identification information transmitted by the temple client 140, the temple server 110 can generate the setting data, and can transmit the generated setting data to the bank server 150 (step 220). In this embodiment, it is assumed that the setting data generated by the temple server 110 includes temple identification data, repayment time, and loan amount in addition to the received identification data.

After the bank server 150 receives the setting data transmitted by the temple server 110, the bank server 150 can generate the loan material 400 corresponding to the received setting data (step 230). In the present embodiment, it is assumed that the loan data 400 generated by the bank server 150 is a QR code.

After the bank server 150 generates the loan data 400, the generated loan data 400 can be transmitted back to the temple server 110, and the temple server 110 can transmit the received loan data 400 to the temple client 140, so that the temple side The client 140 can print out the loan information 400 received.

After obtaining the loan information 400 printed by the temple client 140, the believer 101 can provide the obtained loan information 400 to the account opening client 130, so that the account opening client 130 obtains the loan information 400 (step 240). In this embodiment, if the account opening client 130 is the mobile phone or tablet of the believer 101, the believer 101 can operate the account opening client 130 to retrieve the printed loan data 400 through the photographic lens.

After the account opening client 130 obtains the loan information 400 (step 240), the account opening client 130 can connect to the bank server 150 (step 250), and the bank server 150 can provide the account opening client 130 to open a client account according to the loan information 400 ( Step 260), after the account opening client 130 completes the account opening, the bank server 150 can transfer the account from the temple account to the client account according to the setting data generated by the temple server 110 (step 270).

In this embodiment, the account opening client 130 can decode the obtained loan data 400, and the account opening client 130 can obtain the website address included in the loan data 400 after decoding, and connect to the bank server according to the obtained website address. 150 to open an account. The bank server 150 can provide the account opening client 130 to input the information required for opening an account, such as a name, a mobile phone number, an identification data, an address, an email account, etc., and guide the account opening client 130 to complete the account opening operation. Then, when the account opening client 130 completes the account opening operation, the bank server 150 can read the setting corresponding to the generated loan data 400 according to the identification code included in the website address transmitted when the account opening client 130 is connected to the bank server 150. And determining whether the identification information included in the read configuration data matches the identification data input by the account opening client 130, and if so, the bank server 150 can set the loan amount included in the setting data by The temple account corresponding to the temple identification data in the setting data is transferred to the newly opened customer account of the account opening client 130.

In addition, the account opening client 130 can also directly connect to the bank server 150 according to the bank website address, and conduct the account opening operation through the guidance of the bank server 150. The bank server 150 may prompt the account opening client 130 to provide the loan information 400 during the process of guiding the account opening client 130 to complete the account opening operation, and the account opening client 130 may decode the borrowed data 400 obtained to obtain the identification code, and Uploading the obtained identification code to the bank server 150, the bank server 150 can read the setting data corresponding to the loan data 400 according to the identification code, and determine the identification information and the account opening client included in the read setting data. If the identity data entered by 130 matches, if the agreement is met, the bank server 150 can transfer the loan amount included in the setting data from the temple account corresponding to the temple identification data in the setting data to the newly opened account opening client 130. In the customer account.

The account opening client 130 can also upload the borrowed data 400 retrieved to the bank server 150, so that the bank server 150 decodes the loan data 400 to obtain the setting data. After obtaining the setting data, the bank server 150 may determine whether the identity identification data included in the obtained setting data matches the identity identification data input by the account opening client 130. If they match, the bank server 150 may be configured and configured. The temple account corresponding to the temple identification data in the data is transferred to the newly opened customer account of the account opening client 130.

Thus, through the present invention, the temple can provide the believer to seek the money without additional cash preparation.

In the above embodiment, after the bank server 150 transfers the account from the temple account to the client account according to the setting data (step 270), the bank server 150 can also record the setting data as shown in the flow of "Fig. 2B". The repayment time and the loan amount, and can record the temple account corresponding to the temple identification data included in the setting data (step 282), after which the bank server 150 can judge the current time and the recorded time at the repayment time. When the repayment time matches, the recorded loan amount is transferred from the customer account opened by the account opening client 130 to the recorded temple account (step 286), thereby helping the believer 101 to automatically repay.

In addition, after the bank server 150 transfers the account from the temple account to the client account according to the setting data (step 270) for a period of time, the bank server 150 can also be opened according to the account opening client 130 as shown in the flow of "2C". The usage status of the customer account generates a service message, and the generated service message can be transmitted to the temple server 110 (step 292). In this embodiment, it is assumed that the bank server 150 can determine the total transaction amount of the client account after opening the client account for half a year after the account opening client 130 opens, that is, whether the sum of the deposit, transfer, withdrawal, and transfer exceeds a predetermined value. If yes, the personal information such as the name, birthday, and the like of the believer 101 of the client account can be read, and the service information is generated according to the personal data of the believer 101 read.

After receiving the service message transmitted by the bank server 150, the temple server 110 can provide a temple service according to the received service message (step 296). In the present embodiment, it is assumed that the temple server 110 can provide the believer 101 with a temple service for lighting according to the personal data of the believer 101 included in the service message.

In summary, it can be seen that the difference between the present invention and the prior art is that after the temple server generates the setting data including the identification data of the believer, the bank server generates the borrowing data corresponding to the set data, and the account client connection. After the bank server opens a client account based on the obtained loan information, the bank server can transfer the money from the temple account to the customer account according to the setting data, and the technical method can solve the problem of the former technology in the temple. Gold or shipping money may increase the risk of being stolen or robbed, and thus achieve the technical effect of reducing the labor cost of providing money for the temple or lending money.

Furthermore, the method of the invention for automatically transferring funds according to the loan information after opening an account can be implemented in a combination of hardware, software or hardware and software, or can be implemented in a centralized manner in a computer system or distributed in different components. The decentralized implementation of interconnected computer systems.

While the embodiments of the present invention have been described above, the above description is not intended to limit the scope of the invention. Any modification of the form and details of the practice of the present invention, which is a matter of ordinary skill in the art to which the present invention pertains, is a patent protection of the present invention. range. The scope of the invention is to be determined by the scope of the appended claims.

101‧‧ ‧ believers

110‧‧‧ Temple Server

130‧‧‧ account opening client

140‧‧‧ Temple client

150‧‧‧Bank server

400‧‧‧ loan information

Step 210‧‧‧ Provide identification information

Step 220‧‧ ‧ Temple server generates setting data and transmits setting data to bank server

Step 230‧‧‧ The bank server generates the loan information corresponding to the setting data

Step 240‧‧‧ Account opening client to obtain loan information

Step 250‧‧‧ Account opening client to the bank server

Step 260‧‧‧ Bank server provides account opening client to open customer account based on loan information

Step 270‧‧‧ The bank server transfers the account from the temple account to the customer account according to the setting data.

Step 282‧‧‧ Bank server records repayment time and loan amount

Step 286‧‧‧ The bank server transfers the loan amount from the client account to the temple account at the time of repayment

Step 292‧‧‧ The bank server generates a service message based on the usage status of the client account and transmits the service message to the temple server

Step 296‧‧ ‧ Temple Server provides temple services based on service messages

The first figure is a system architecture diagram of the invention for automatically transferring funds according to the loan information after opening an account. Figure 2A is a flow chart of the method for automatically transferring funds according to the loan data after opening an account. FIG. 2B is a flow chart of an additional method for automatic transfer repayment according to the present invention. FIG. 2C is a flow chart of an additional method for providing temple services according to the use of the account according to the present invention.

Claims (10)

A system for automatically transferring funds according to loan information after opening an account, the system comprising at least: a temple server for acquiring an identification data and for generating a setting data, wherein the setting data includes the identification data and a a temple identification data, the temple identification data corresponding to a temple account; a bank server for receiving the setting data transmitted by the temple server, and generating a loan data corresponding to the setting data; and an account opening client, For obtaining the loan information, and for connecting to the bank server, the bank server provides the account opening client to open a customer account according to the loan information, and after the account opening client completes the account opening, according to the setting data Transfer a loan amount from the temple account to the customer account. For example, in the system of claim 1, the system automatically transfers funds according to the loan information after opening the account, wherein the bank server transfers the agreed amount of the loan from the temple account to the customer account according to the setting data, according to the setting. The data is transferred from the temple account to the customer account, or the setting data is read according to the loan data, and the borrowing amount is transferred from the temple account to the customer account according to the setting data. . For example, in the system of claim 1, the system for automatically transferring funds according to the loan information after opening the account, wherein the bank server is used to verify the identification data. The system for automatically transferring funds according to the loan information after opening an account as described in item 1 of the patent application, wherein the bank server is further configured to record one of the repayment time and a loan amount included in the setting data, and is used for The repayment time is transferred from the client account to the temple account. The system for automatically transferring funds according to the loan information after opening an account as described in item 1 of the patent application, wherein the bank server is further configured to generate a service message according to the usage status of the customer account, and transmit the service message to the temple servo. The temple server is further configured to provide a temple service based on the service message. A method for automatically transferring money according to loan information after opening an account, the method comprising at least the following steps: providing an identification data; a temple server generates a setting data, the setting data includes the identification data and a temple identification data, the temple The identification data corresponds to a temple account; the temple server transmits the setting data to a bank server; the bank server generates a loan data corresponding to the setting data; an account opening client obtains the borrowing data, and connects to the a bank server; the bank server provides the account opening client to open a client account according to the account opening information; and the bank server transfers the loan amount from the temple account to the account according to the setting information after the account opening client completes the account opening Customer account. The method for automatically transferring money according to the loan information after opening an account as described in item 6 of the patent application scope, wherein the step of the bank server transferring the loan amount from the temple account to the customer account according to the setting data is the bank server According to the setting data, the agreed loan amount is transferred from the temple account to the customer account, and the loan amount included in the setting data is transferred from the temple account to the customer account according to the setting data, or read according to the loan information. The setting data is taken, and the loan amount is transferred from the temple account to the customer account according to the setting data. The method for automatically transferring money according to the loan information after opening an account, as described in claim 6, wherein the bank server provides the step of opening the client account by the account opening client, and further includes the bank server verifying the identification data. step. For example, in the method of claim 6, the method for automatically transferring funds according to the loan information after opening an account, wherein the method further comprises the bank server recording one of the repayment time and a loan amount included in the setting data, and The time to transfer the loan amount from the client account to the temple account. The method of automatically transferring money according to the loan information after opening an account as described in claim 6 of the patent application, wherein the method further comprises the banking server generating a service message according to the usage status of the customer account, and transmitting the service message to the temple. The server and the temple server provide steps for the temple service based on the service message.