TWI698827B - Regional fast transfer mobile banking system and regional fast transfer method - Google Patents

Abstract

A regional fast transfer mobile banking system includes a first mobile device, a plurality of second mobile devices, a platform server unit and a bank center host. The platform server unit determines whether the location indicated by the second positioning data corresponding to the identification data corresponding to each default transfer-in account in the list of transferred-in accounts is located within the area covered by the map data, if so, Then, a preset image corresponding to the preset transfer account is marked on the location indicated by the second positioning data in the map data. The first mobile device is based on a user's click operation on one of the preset images marked in the map data as the target image, and a transfer amount corresponding to the target image entered by the client at the transfer end To generate a transfer information to the platform server unit.

Description

Regional fast transfer mobile banking system and regional fast transfer method

The invention relates to a banking system, in particular to a mobile banking system involving cloud technology. The invention also relates to a method for regional fast transfer involving cloud technology.

At present, when bank customers want to transfer money, they need to enter complete transfer information and amount in the banking system, or select a pre-set agreed account or common account before they can transfer. However, if a customer wants to transfer money to another customer nearby, the existing banking system does not have any functions to provide customers with a more convenient operation method to complete the transfer.

Therefore, the purpose of the present invention is to provide a regional fast transfer mobile banking system.

Another object of the present invention is to provide a fast regional transfer method.

Therefore, the regional fast transfer mobile banking system of the present invention is suitable for communicating with a map data server. The regional fast transfer mobile banking system includes a first mobile device, a plurality of second mobile devices, a platform server unit, and A bank center host. The first mobile device is operated by a transfer-out client, and can generate a first positioning data indicating the location of the first mobile device. The second mobile devices are respectively operated by multiple clients, and each second mobile device can generate a second positioning data indicating the location of the second mobile device. The platform server unit is electrically connected to the first mobile device and the second mobile devices, and stores an outgoing terminal identity data corresponding to the outgoing client, and a plurality of identities corresponding to the clients respectively Data, the first positioning data from the first mobile device and corresponding to the transfer-out end identity data, from the second mobile devices and corresponding to the customers operating the second mobile devices, respectively The second location data of the identification data, one of the outgoing account belonging to the outgoing client, a list of incoming accounts corresponding to the outgoing identity data, and one corresponding to the outgoing identity An image database of identification data. The transfer-in account list includes a plurality of default transfer-in accounts set by the transfer-out client and correspond to the identification data. The image database contains multiple The preset images of the preset transfer-in accounts set by the exporting client and respectively correspond to the transfer-in account list. The bank center host is electrically connected to the platform server unit.

The platform server unit sends a map data request to the map data server according to the first positioning data, and the map data request causes the map data server to return a location that covers the location indicated by the first positioning data and the coverage area is consistent with A map data of a predetermined area is given to the platform server unit.

The platform server unit determines whether the location indicated by the second positioning data corresponding to the identification data corresponding to each preset transfer-in account in the transfer-in account list is located in the area covered by the map data.

Whenever the platform server unit determines that the location indicated by the second positioning data is within the area covered by the map data, the platform server unit transfers the default to the corresponding account according to the second positioning data. The preset image is marked at the location indicated by the second positioning data in the map data.

The platform server unit transmits the marked map data to the first mobile device.

The first mobile device displays the marked map data.

According to the first mobile device, the output client’s click operation on one of the one or more preset images marked in the map data as the preset image of the target image, and the output client’s operation Enter a transfer amount corresponding to the target image, and generate transfer information to the platform server unit. The transfer information includes the transfer-out account, the default transfer-in account corresponding to the target image, and the transfer amount .

The platform server unit generates a transfer request including the transfer-out account number, the preset transfer-in account number corresponding to the target image, and the transfer amount to the bank center host according to the transfer information.

The bank center host executes a transfer transaction according to the transfer request.

In some implementations, the first mobile device is based on the point of one or more of the one or more preset images marked in the map data as the preset image of the target image by the transfer-end client Select operation, and a transfer amount corresponding to the target image or a plurality of transfer amounts corresponding to the target images input by the client at the transfer end, generate a transfer information to the platform server unit, and the transfer The information includes the transfer-out account, the preset transfer-in account corresponding to the target image, or the preset transfer-in account corresponding to the target images, and the transfer amount or the transfer amount.

According to the transfer information, the platform server unit generates a transfer request including the transfer-out account, the preset transfer-in account corresponding to the target image, and the transfer amount, or generates multiple transfer-out accounts that include The preset transfer-in account numbers corresponding to the target images and the transfer request of the transfer amount are sent to the central host of the bank.

The bank center host executes one transfer transaction according to the transfer request, or executes multiple transfer transactions according to the transfer request.

In some implementation aspects, each preset image is generated by the platform server unit according to a plurality of role setting parameters set by the export client.

In some implementation aspects, the image database of the platform server unit further includes an export-end image set by the export-end client, and the platform server unit transfers the export image according to the first positioning data. The output image is marked at the location indicated by the first positioning data in the map data.

The present invention is a regional fast transfer method implemented by a regional fast transfer mobile banking system. The regional fast transfer mobile banking system is suitable for communicating with a map data server and includes a first mobile device and a plurality of first mobile devices. Two mobile devices, a platform server unit and a bank center host. The first mobile device is operated by an outbound client and can generate a first positioning data indicating the location of the first mobile device. The second The mobile devices are respectively operated by multiple clients, each second mobile device can generate a second positioning data indicating the location of the second mobile device, and the platform server unit stores an outgoing terminal corresponding to the outgoing client Identity identification data, a plurality of identification data respectively corresponding to the customers, the first positioning data from the first mobile device and corresponding to the transfer terminal identity data, from the second mobile devices and corresponding respectively The second positioning data corresponding to the identification data corresponding to the customers operating the second mobile devices, one of the outgoing account numbers belonging to the outgoing client, and one corresponding to the outgoing identification data The transfer-in account list of and an image database corresponding to the transfer-out end's identity data. The transfer-in account list contains multiple presets set by the transfer-end client and correspond to the identification data respectively The transfer-in account, the image database includes a plurality of preset images of the preset transfer-in accounts set by the transfer-out client and respectively corresponding to the transfer-in account list, and the method includes: the platform server The unit sends a map data request to the map data server according to the first positioning data, and the map data request causes the map data server to return a map that covers the location indicated by the first positioning data and the coverage area meets a predetermined area. The map data is given to the platform server unit; the platform server unit determines whether the location indicated by the second positioning data corresponding to the identity data corresponding to each default transfer-in account in the transfer-in account list is located in the Within the area covered by the map data; whenever the platform server unit determines that the location indicated by the second positioning data is within the area covered by the map data, the platform server unit performs the prediction based on the second positioning data. It is assumed that the default image corresponding to the transferred account is marked at the position indicated by the second positioning data in the map data; the platform server unit transmits the marked map data to the first mobile device; A mobile device displays the marked map data; the first mobile device uses one of the one or more preset images marked in the map data as the preset image of the target image according to the transfer end client’s Click the operation and generate a transfer amount corresponding to the target image entered by the client at the transfer end to generate transfer information to the platform server unit. The transfer information includes the transfer account number and the corresponding target image The preset transfer-in account number and the transfer amount; the platform server unit generates a transfer request containing the transfer-out account number, the preset transfer-in account corresponding to the target image, and the transfer amount to the transfer information according to the transfer information Bank center host; and the bank center host Perform a transfer transaction according to the transfer request.

The effect of the present invention is that the platform server unit marks the default image corresponding to the default transfer account according to the second positioning data at the location indicated by the second positioning data in the map data; The first mobile device generates the transfer information to the platform server unit according to the click operation of the transfer-out client on the map data and the transfer amount or the transfer amount input by the transfer-out client, so that The transfer-out client can conveniently transfer money to nearby clients.

Before the present invention is described in detail, it should be noted that in the following description, similar elements are represented by the same numbers.

Referring to FIG. 1, an embodiment of the regional fast transfer mobile banking system 100 of the present invention is suitable for communicating with a map data server 200. The regional fast transfer mobile banking system 100 includes a first mobile device 1 and a plurality of first mobile devices. Two mobile devices 2, a platform server unit 3, and a bank center host 4.

The first mobile device 1 is operated by a transfer terminal client, and can generate a first positioning data indicating the location of the first mobile device 1. In this embodiment, the first mobile device 1 is a smart phone, and the first positioning data is GPS positioning data, but it is not limited thereto.

The second mobile devices 2 are respectively operated by multiple clients, and each second mobile device 2 can generate a second positioning data indicating the location of the second mobile device 2. In this embodiment, the second mobile devices 2 are smart phones, and the second positioning data is a GPS positioning data, but it is not limited thereto.

The platform server unit 3 is electrically connected to the first mobile device 1, the second mobile devices 2 and the bank center host 4 via a communication network, and stores an outgoing terminal identification data corresponding to the outgoing client (For example, the ID number of the client at the transfer end), multiple ID data corresponding to the clients (for example, the ID number of the clients), from the first mobile device 1 and corresponding to the transfer end The first positioning data of the identity data, the second positioning data from the second mobile devices 2 and corresponding to the identity data corresponding to the customers operating the second mobile devices 2, A transfer-out account that belongs to the transfer-out client, a transfer-in account list corresponding to the transfer-out end's identity data, and an image database corresponding to the transfer-out end's identity data.

The transfer-in account list includes a plurality of preset transfer-in accounts set by the transfer-out client and respectively corresponding to the identification data. These preset transfer-in accounts can be further divided into, for example, agreed accounts, frequently used accounts, and non-appointed accounts, but not limited to this.

The image database includes a transfer-out image 51 (as shown in Figure 3) set by the transfer-out client, and a plurality of the transfer-in account list set by the transfer-out client and correspond to the transfer-in account list. Wait for the preset image 52 to be transferred to the account (as shown in FIG. 3). In this embodiment, each preset image 52 is generated by the platform server unit 3 according to a plurality of character setting parameters (such as parameters related to appearance, clothing, and accessories) set by the transfer-end client, but not Limiting this, in another embodiment, each preset image 52 is an image file uploaded to the platform server unit 3 by the transfer-out client through the first mobile device 1.

In this embodiment, the platform server unit 3 includes a management server as a middle station and a data server as a background. The management server is responsible for analysis and calculation, and the data server is responsible for storing data.

1 and 2, the following describes the process of the regional fast transfer method executed by the regional fast transfer mobile banking system 100. First, as shown in step S01, the platform server unit 3 sends a map data request to the map data server 200 according to the first positioning data, and the map data request causes the map data server 200 to send back a map that covers the first location data. A map data of a location indicated by the positioning data and covering a predetermined area is provided to the platform server unit 3.

Then, as shown in step S02, the platform server unit 3 marks the transfer end image 51 at the location indicated by the first positioning data in the map data according to the first positioning data.

Then, as shown in step S03, the platform server unit 3 determines whether the location indicated by the second positioning data corresponding to the identity data corresponding to one of the preset transfer-in accounts in the transfer-in account list is located in the In the area covered by the map data, if yes, execute steps S04 and S05; if no, execute step S05 directly.

Step S04 is that when the platform server unit 3 determines that the location indicated by the second positioning data is located within the area covered by the map data, the platform server unit 3 transfers the default to the account according to the second positioning data The corresponding preset image 52 is marked at the location indicated by the second positioning data in the map data.

In step S05, the platform server unit 3 judges whether the second positioning data corresponding to the identity data corresponding to each preset transfer-in account in the transfer-in account list has been determined, and if not, execute again Step S03: Determine whether the location indicated by the second positioning data corresponding to the identity data corresponding to the default transfer-in account that has not yet been determined is located within the area covered by the map data, if so, then Step S06 is executed. In other words, in steps S03, S04, and S05, the platform server unit 3 determines that the identity data corresponding to each preset transfer-in account in the transfer-in account list is indicated by the second positioning data corresponding to the identity data Whether the location is within the area covered by the map data, and whenever the platform server unit 3 determines that the location indicated by the second positioning data is within the area covered by the map data, the platform server unit 3 2. Positioning data, marking the preset image 52 corresponding to the preset transfer into the account at the location indicated by the second positioning data in the map data.

Step S06 is that the platform server unit 3 transmits the marked map data to the first mobile device 1. Then, as shown in step S07, the first mobile device 1 displays the marked map data (as shown in FIG. 3). In this way, the transfer-end client can know its location through the transfer-end image 51 marked on the map data, and can use the preset image 52 or the preset images marked on the map data. 52 Know which customer or customers are located in the nearby area.

Then, as shown in step S08, the first mobile device 1 uses one or more of the one or more preset images 52 marked in the map data as the preset image of the target image according to the transfer-end client's A click operation like 52, and a transfer amount corresponding to the target image or multiple transfer amounts corresponding to the target images entered by the client at the transfer end, generate a transfer information to the platform server Unit 3, the transfer information includes the transfer-out account, the preset transfer-in account corresponding to the target image, or the preset transfer-in account numbers corresponding to the target images, and the transfer amount or the transfer amounts.

For example, the map data is marked with four preset images 52, and the transfer-end customer selects three preset images 52 from the four preset images 52 as the transfer object. Then, the first mobile device 1 displays a page to be filled in. The page to be filled in includes the three preset images 52, three preset transfer-in accounts corresponding to the three preset images 52, and The three bank codes corresponding to the three preset images 52 (for example, the outgoing customer and the customers are all customers of the same bank, so the first mobile device 1 can automatically bring in the predetermined bank code) , Respectively corresponding to the three nicknames of the three preset images 52 (the nicknames are pre-set by the transfer-out client, as the preset image 52), the transfer-out account, and one belonging to the transfer-end client The book balance, an available balance belonging to the client at the transfer end, and three blank fields for the amount to be filled in the three preset images 52 respectively. The three blank fields for the amount to be filled are for the transfer-out client to fill in three transfer amounts respectively. Next, the first mobile device 1 displays a confirmation page that includes the transfer-out account, the three preset images 52, and three preset transfer-in corresponding to the three preset images 52 respectively. The account number, the three bank codes corresponding to the three preset images 52, and the three transfer amounts filled in by the transfer-out client are for the transfer-out client to confirm. If the transfer-end client clicks a confirmation virtual button on the confirmation page, the first mobile device 1 will use the aforementioned information confirmed by the transfer-end client as the transfer information and send it to the platform server unit 3.

Then, as shown in step S09, the platform server unit 3 generates a transfer request including the transfer-out account, the preset transfer-in account corresponding to the target image, and the transfer amount according to the transfer information, or generates more A transfer request including the transfer-out account number and the preset transfer-in account numbers corresponding to the target images and the transfer amount is sent to the bank center host 4. That is to say, if the transfer-end client wants to transfer funds to more than two clients, the platform server unit 3 will automatically generate a plurality of corresponding transfer messages to the bank center host 4.

Finally, as shown in step S10, the bank center host 4 executes a transfer transaction according to the transfer request, or executes multiple transfer transactions according to the transfer request, and returns one or more transaction results to the platform server unit 3. For the platform server unit 3 to send multiple transaction notifications related to the transaction result to the first mobile device 1 and the second mobile device 2 corresponding to the target image.

To sum up, the regional fast transfer mobile banking system 100 of the present invention uses the platform server unit 3 according to the second positioning data to mark the default image 52 corresponding to the default transfer account on the map data. The position indicated by the second positioning data in the first mobile device 1 and the transfer amount or the transfer amount entered by the transfer-end customer based on the click operation of the transfer-end customer on the map data The transfer information is generated to the platform server unit 3, so that the transfer-out client can conveniently transfer the transfer to the nearby client, so the purpose of the invention can be achieved.

However, the foregoing are only examples of the present invention. When the scope of implementation of the present invention cannot be limited by this, all simple equivalent changes and modifications made according to the scope of the patent application of the present invention and the content of the patent specification still belong to Within the scope of the patent of the present invention.

100: Regional fast transfer mobile banking system 1: First mobile device 2: Second mobile device 3: Platform server unit 4: Bank Center Host 200: Map data server 51: Transfer out end image 52: Preset image S01~S10: steps

Other features and effects of the present invention will be clearly presented in the embodiments with reference to the drawings, in which: Figure 1 is a schematic diagram of a hardware connection relationship of an embodiment of the regional fast transfer mobile banking system of the present invention; Figure 2 (Figure 2A and Figure 2B) is a flowchart of this embodiment; and Fig. 3 is a schematic diagram of an interface of the embodiment.

100: Regional fast transfer mobile banking system

1: First mobile device

2: Second mobile device

3: Platform server unit

4: Bank Center Host

200: Map data server

Claims (10)

A regional fast transfer mobile banking system is suitable for communicating with a map data server. The regional fast transfer mobile banking system includes: a first mobile device for operation by a transfer-end client, and can generate an instruction for the second A first positioning data of the location of a mobile device; a plurality of second mobile devices for operation by a plurality of customers, each second mobile device can generate a second positioning data indicating the location of the second mobile device; and The platform server unit is electrically connected to the first mobile device and the second mobile devices, and stores an outgoing terminal identity data corresponding to the outgoing client, and a plurality of identities corresponding to the clients respectively Data, the first positioning data from the first mobile device and corresponding to the transfer-out end identity data, from the second mobile devices and corresponding to the customers operating the second mobile devices, respectively The second location data of the identification data, one of the outgoing account belonging to the outgoing client, a list of incoming accounts corresponding to the outgoing identity data, and one corresponding to the outgoing identity An image database of identification data. The transfer-in account list includes a plurality of default transfer-in accounts set by the transfer-out client and correspond to the identification data. The image database contains multiple The default images of the preset transfer-in accounts set by the exporting client and respectively corresponding to the transfer-in account list; the platform server unit sends a map data request to the map data server according to the first positioning data, The map data request causes the map data server to return an area that covers the location indicated by the first positioning data The map data conforming to a predetermined area is given to the platform server unit; the platform server unit determines that the identity data corresponding to each preset transfer-in account in the transfer-in account list is indicated by the second positioning data corresponding to the identity data Whether the location of is located within the area covered by the map data; whenever the platform server unit determines that the location indicated by the second positioning data is within the area covered by the map data, the platform server unit is based on the second positioning Data, the default image corresponding to the default transfer account is marked at the position indicated by the second positioning data in the map data; the platform server unit sends the marked map data to the first Mobile device; the first mobile device displays the marked map data; the first mobile device uses one of the one or more preset images marked in the map data as the target image according to the transfer end customer The click operation of the preset image, and the transfer amount input by the client at the transfer end and corresponding to the target image, generate transfer information to the platform server unit. The transfer information includes the transfer account, the The preset transfer-in account corresponding to the target image, and the transfer amount. The regional fast transfer mobile banking system as described in claim 1, further comprising a bank central host electrically connected to the platform server unit; the platform server unit generates an account containing the transfer-out account and the target according to the transfer information The transfer request of the preset transfer-in account number and the transfer amount corresponding to the image is sent to the bank center host; the bank center host executes a transfer transaction according to the transfer request. The regional fast transfer mobile banking system according to claim 2, wherein the first mobile device acts as one or more of the one or more preset images marked in the map data by the transfer-end client The click operation of the preset image of the target image, and a transfer amount corresponding to the target image or a plurality of transfer amounts corresponding to the target images input by the client at the transfer end, generate a transfer Information to the platform server unit, the transfer information includes the transfer-out account, the default transfer-in account corresponding to the target image, or the default transfer-in account corresponding to the target images, and the transfer amount or The transfer amount; the platform server unit generates a transfer request that includes the transfer-out account, the preset transfer-in account corresponding to the target image, and the transfer amount according to the transfer information, or generates multiple transfer requests that include the transfer The transfer request for the outgoing account and including the preset transfer-in account numbers corresponding to the target images and the transfer amount is sent to the bank center host; the bank center host performs a transfer transaction according to the transfer request, or according to the transfer request Wait for the transfer request to execute multiple transfer transactions. The regional fast transfer mobile banking system according to claim 1, wherein each preset image is generated by the platform server unit according to a plurality of role setting parameters set by the transfer terminal client. The regional fast transfer mobile banking system according to claim 1, wherein the image database of the platform server unit further includes an outgoing end image set by the outgoing end client, and the platform server unit According to the first positioning data, the transfer-out image is marked at the location indicated by the first positioning data in the map data. A regional fast transfer method implemented by a regional fast transfer mobile banking system, which is suitable for communicating with a map data server and includes a first mobile device and a plurality of second actions A device and a platform server unit, the first mobile device is operated by an outbound client, and can generate a first positioning data indicating the location of the first mobile device, and the second mobile devices are provided for multiple clients respectively In operation, each second mobile device can generate a second positioning data indicating the location of the second mobile device, and the platform server unit stores a transfer-out end identity data corresponding to the transfer-out end client, and a plurality of respective The identity data corresponding to the customers, the first positioning data from the first mobile device and corresponding to the transfer-out end identity data, from the second mobile devices and corresponding to operating the second actions, respectively The second positioning data of the identification data corresponding to the clients of the device, a transfer-out account belonging to the transfer-end client, a transfer-in account list corresponding to the transfer-end identification data, and An image database corresponding to the identity data of the transfer-in terminal, the transfer-in account list includes a plurality of default transfer-in accounts set by the client of the transfer-out end and respectively corresponding to the identification data, the image The database contains a plurality of preset images of the preset transfer-in accounts set by the transfer-out client and respectively corresponding to the transfer-in account list. The method includes: (A) the platform server unit according to the first A positioning data sends a map data request to the map data server, and the map data request causes the map data server to return a map data covering the location indicated by the first positioning data and covering an area that meets a predetermined area to the map data server. Platform server unit; (B) The platform server unit judges each of the transferred account list Whether the location indicated by the second positioning data corresponding to the identification data corresponding to the default transferred account is located in the area covered by the map data; (C) whenever the platform server unit determines the second positioning The location indicated by the data is located within the area covered by the map data, and the platform server unit marks the default image corresponding to the default transfer account in the map data according to the second positioning data. 2. The location indicated by the positioning data; (D) the platform server unit sends the marked map data to the first mobile device; (E) the first mobile device displays the marked map data; and (F) ) The first mobile device according to the output client’s click operation on one of the one or more preset images marked in the map data as the preset image of the target image, and the output client A transfer amount entered and corresponding to the target image is generated to generate transfer information to the platform server unit. The transfer information includes the transfer-out account, the default transfer-in account corresponding to the target image, and the transfer Amount. The regional fast transfer method according to claim 6, wherein the regional fast transfer mobile banking system further includes a bank center host, and the method further includes after step (F): (G) the platform server unit is based on The transfer information generates a transfer request including the transfer-out account number, the preset transfer-in account number corresponding to the target image, and the transfer amount to the bank center host; and (H) The bank center host executes a transfer transaction according to the transfer request. The regional fast transfer method according to claim 7, wherein, step (F) is that the first mobile device responds to one or more of the one or more preset images marked in the map data according to the transfer end customer’s Clicking operations on a plurality of preset images as target images, and a transfer amount corresponding to the target image or a plurality of transfer amounts respectively corresponding to the target images input by the client at the transfer end, Generate a transfer information to the platform server unit, the transfer information includes the transfer-out account, the default transfer-in account corresponding to the target image, or the default transfer-in account corresponding to the target images, and the The transfer amount or the transfer amount; step (G) is that the platform server unit generates a transfer request including the transfer-out account, the preset transfer-in account corresponding to the target image, and the transfer amount according to the transfer information , Or generate multiple transfer requests containing the transfer-out account number and the preset transfer-in account numbers corresponding to the target images and the transfer amount to the bank center host; step (H) is the bank center The host executes one transfer transaction according to the transfer request, or executes multiple transfer transactions according to the transfer request. The regional fast transfer method according to claim 6, wherein each preset image is generated by the platform server unit according to a plurality of role setting parameters set by the transfer end client. The regional fast transfer method according to claim 6, wherein the image database of the platform server unit further includes a transfer-end image set by the transfer-end client, and the method is in step (A) After and in step (B) It also includes: (1) the platform server unit marks the export image at the location indicated by the first positioning data in the map data according to the first positioning data.

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