TWI704523B - Automatic trading method based on chat robot and its server end - Google Patents

Abstract

An automatic transaction server based on a chat robot includes a server communication module, a server storage module, and a server processing module. After the server-side processing module receives a text message generated by an initiation identification code, it determines whether the text message indicates whether the transaction request is payment collection, and when it is determined to be a payment collection, obtains multiple payments based on the text message Identification code and its corresponding part of the account amount. For each payment identification code, the server-side processing module generates and transmits a first transfer confirmation request to the corresponding user terminal, and receives the corresponding first transfer confirmation request After the first confirmation of the transfer reply, the corresponding split amount is transferred from the user bank account corresponding to the corresponding payment identification code to the user bank account corresponding to the initiation identification code.

Description

Automatic trading method based on chat robot and its server end

The present invention relates to a chat robot, in particular to a chat robot capable of conducting financial-related transactions.

Current online transfers are conducted through online banking or mobile online banking provided by various banks. Part of the transaction method is to communicate with relatives, friends or merchants through social chat software and confirm the transaction content, and then open the mobile online banking to conduct the transaction. , And store transaction records, and the transaction cannot be performed and completed immediately after confirming the transaction content, causing inconvenience to users.

In view of this, how to provide a financial service system that directly conducts related financial transactions in the social chat software without opening online banking or mobile online banking is the primary issue that this creation intends to solve.

Therefore, the purpose of the present invention is to provide a chat robot-based automatic transaction method that can directly perform related financial transactions in social chat software without opening online banking or mobile online banking.

Therefore, the automatic transaction method of the present invention based on a chat robot is implemented by a bank server, which corresponds to a bank chat identification code in a chat server, and connects the bank chat identification code via a communication network through the bank chat identification code. A chat server, the bank server stores multiple user bank accounts corresponding to multiple clients, and a user chat ID corresponding to each user’s bank account in the chat server, and each client uses The corresponding user chat ID is connected to the chat server via the communication network, the chat server includes a chat group, the chat group includes the bank chat ID, and a plurality of users selected from The chat ID of the target user of the chat ID includes one step (A), one step (B), one step (C), and one step (D).

Step (A) is to use the bank server to receive a text message from the chat group and initiated by one of the target user's chat identification codes through the bank chat identification code, Determine whether the transaction demand indicated by the text message is collection.

Step (B) is that when it is determined that the transaction demand indicated by the text message is to receive payment, the bank server will obtain a plurality of payment identifications selected from the target user chat IDs according to the text message Code and its corresponding share amount.

Step (C) is for each payment identification code, using the bank server, according to the payment identification code and the corresponding tranche amount, to generate and transmit a tranche amount corresponding to the payment identification code, The first transfer confirmation request of the user bank account corresponding to the initiation identification code is transferred from the user bank account corresponding to the payment identification code to the user terminal corresponding to the payment identification code.

Step (D) is that for each first transfer confirmation request, after receiving the first confirmation transfer reply corresponding to the first transfer confirmation request by the bank server, the first transfer confirmation request will correspond to The tranche amount corresponding to the payment identification code in the first transfer confirmation request is transferred from the user bank account corresponding to the payment identification code to the user bank account corresponding to the initiation identification code.

Another object of the present invention is to provide a chat robot-based automatic transaction system that can directly perform related financial transactions in social chat software without opening online banking or mobile online banking.

Therefore, the present invention is an automatic transaction server based on a chat robot, which is connected to a chat server via a communication network. The chat server stores a bank chat ID and a plurality of user chat IDs corresponding to multiple users and includes a chat group, and each user connects to the chat via the communication network through the corresponding user chat ID Server side. The chat group includes the bank chat identification code and a plurality of target user chat identification codes selected from the user chat identification codes.

The automatic transaction server of the chatbot includes a server communication module, a server storage module, and a server processing module electrically connected to the server communication module and the server storage module.

The server communication module connects to the chat server via the communication network through the bank chat identification code.

The server-side storage module stores a plurality of user bank accounts corresponding to the users and their corresponding user chat identification codes.

Wherein, the server-side processing module receives through the bank chat identification code and through the server-side communication module, a message generated from the chat group initiated by one of the target user chat identification codes After a text message, the server-side processing module determines whether the transaction demand indicated by the text message is for collection. When the server-side processing module determines that the transaction demand indicated by the text message is for collection, the server According to the text message, the processing module obtains a plurality of payment identification codes selected from the target user’s chat identification codes and their corresponding part of the account amount. For each payment identification code, the server-side processing module The payment identification code and the corresponding tranche amount are generated to generate a tranche amount corresponding to the payment identification code, which is transferred from the user bank account corresponding to the payment identification code to the user bank account corresponding to the initiation identification code And send the first transfer confirmation request to the user corresponding to the payment identification code via the server communication module. For each first transfer confirmation request, the server processing module After receiving the first confirmation transfer reply corresponding to the first transfer confirmation request via the server-side communication module, according to the first transfer confirmation request, it will correspond to the payment identification code in the first transfer confirmation request The sub-account amount is transferred from the user bank account corresponding to the payment identification code to the user bank account corresponding to the initiation identification code.

The effect of the present invention is that the bank server determines the text message from the chat group and sent by the initiation identification code, and directly executes the payment function indicated by the text message, so as to correspond to the The user who initiates the identification code can directly perform financial transactions of payment (transfer) in the chat group without opening online banking or mobile online banking, which is convenient for users.

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 automatic transaction server (hereinafter referred to as a bank server 2) of the present invention based on a chat robot includes a bank communication module 21, a bank storage module 22, and a bank processing Module 23.

The bank server 2 is connected to a chat server 1 via a communication network 200. The chat server 1 is connected to a plurality of users 3 via the communication network 200.

The chat server 1 includes a chat terminal communication module 11 connected to the communication network 200, a chat terminal storage module 12, and a chat that electrically connects the chat terminal communication module 11 and the chat terminal storage module 12 End processing module 13.

The chat storage module 12 stores a plurality of user chat identification codes and a bank chat identification code, and includes a chat group. The chat group includes the bank chat identification code and a plurality of target user chat identification codes selected from the user chat identification codes.

The bank server terminal 2 corresponds to the bank chat identification code, and includes the bank terminal communication module 21, the bank terminal storage module 22 connected to the communication network 200, and electrically connects the bank terminal communication module 21 with the bank terminal The bank-side processing module 23 of the bank-side storage module 22. Wherein, the bank server 2 is connected to the chat server 1 via the communication network 200 through the bank chat identification code.

The bank storage module 22 stores multiple transaction keywords that indicate cash flow transactions, multiple query keywords that indicate query transaction records, multiple group keywords that indicate query objects are groups, and multiple Indicate the confirmation keyword of the approved transaction, multiple user bank accounts, and the user chat ID corresponding to each user's bank account. Wherein, the transaction keywords include multiple receipt keywords indicating receipt of funds and multiple transfer keywords indicating receipt of funds.

The user terminals 3 respectively correspond to the user chat identification codes and the user bank accounts. Each user end 3 includes a user end communication module 31 connected to the communication network 200, a user end input module 32, a user end display module 33, and an electrical connection between the user end communication module 31 and the The use end input module 32 and the use end processing module 34 of the use end display module 33. Among them, each user 3 is connected to the chat server 1 via the communication network 200 through the user chat ID corresponding to the user 3.

In this embodiment, the implementation of the chat server 1 and the bank server 2 is, for example, a personal computer, a server or a cloud host, but it is not limited to this.

In this embodiment, the implementation aspect of each user end 3 is, for example, a personal computer, a smart phone or a tablet computer, but it is not limited to this.

The following will describe the chat server 1, the bank server 2, and the users of this embodiment by using this embodiment of the chat robot-based automatic transaction server of the present invention to execute an automatic transaction method based on the chat robot. 3 Operational details of each component. The automatic transaction method based on chatbots includes a determination program, a collection program, a transfer program, and an inquiry program.

Referring to Figure 2, the determination procedure is used to determine whether one of the collection procedure, the transfer procedure, and the inquiry procedure should be executed subsequently, and includes a step 51, a step 52, a step 53, and a step 54 , And a step 55.

In step 51, one of the target user chat ID codes initiates the client processing module 34 of the client 3 corresponding to the ID, and responds to one of the user input via the client input module 32 Input operation to generate a text message, and send the text message to the chat server 1 through the user communication module 31 through the initiation identification code through the initiation identification code.

In step 52, after the chat terminal processing module 13 receives the text message through the chat terminal communication module 11, it transmits the text message through the chat terminal communication module 11 to all targets other than the initiation identification code. The user terminal 3 and the bank server terminal 2 corresponding to the user's chat identification code (that is, the text message is posted in the chat group).

In step 53, the bank-side processing module 23 receives the text message transmitted by the initiation identification code through the bank chat identification code and through the bank-side communication module 21 (that is, receives and publishes the The text message in the chat group), based on the transaction keywords, determine whether the text message indicates a transaction demand. When the bank-side processing module 23 determines that the text message indicates a transaction requirement, process step 54 is performed; when the bank-side processing module 23 determines that the text message does not indicate a transaction requirement, process step 55 is performed.

It is worth noting that, in this embodiment, the bank-side processing module 23 determines whether the text message contains a target keyword that is the same as one of the transaction keywords. Indicate transaction needs.

In step 54, the bank-side processing module 23 determines whether the transaction demand indicated by the text message is a collection based on the collection keywords. When the bank-side processing module 23 determines that the transaction demand indicated by the text message is collection, the payment procedure is performed; when the bank-side processing module 23 determines that the transaction demand indicated by the text message is not This transfer procedure is carried out when transferring money for collection.

It is worth noting that in this embodiment, the bank-side processing module 23 determines whether the target keyword contained in the text message is one of the receivable keywords or is the transfer One of the keywords is used to determine whether the transaction demand indicated by the text message is collection or transfer.

In step 55, the bank-side processing module 23 determines whether the text message indicates a query requirement based on the query keywords. When the bank-side processing module 23 determines that the text message indicates a query request, the query procedure is performed; when the bank-side processing module 23 determines that the text message does not indicate a query request, the chat robot-based Automatic trading method.

It is worth noting that in this embodiment, the bank-side processing module 23 determines whether the text message includes one of the query keywords to determine whether the text message indicates a query requirement.

Referring to Figure 3, the collection procedure is used to request money from some of the target users in the chat group whose chat IDs correspond to users, and includes a step 61, a step 62, a step 63, and a step 63. Step 64, a step 65, a step 66, and a step 67.

In step 61, the bank-side processing module 23 obtains a plurality of payment identification codes selected from the target user chat identification codes and a corresponding portion of the account amount according to the text message.

Referring to FIG. 4, in this embodiment, step 61 further includes a sub-step 611, a sub-step 612, and a sub-step 613.

In sub-step 611, the bank-side processing module 23 obtains a total amount according to the text message.

In sub-step 612, the bank-side processing module 23 uses the target user chat identification code marked in the text message as the payment identification code according to the text message.

In sub-step 613, the bank-side processing module 23 divides the total amount by the number of payment identification codes to use as each split amount.

For example, if the text message is such as: "Receipt, @first identification code, @second identification code, 400", the bank processing module 23 will send the "first identification code" and "second identification code" "As the payment identification code, and "400" as the total amount, and the amount of each split is 400 ÷ 2 = "200".

It is worth noting that, in other embodiments, when the text message contains multiple amounts of money, for example: "received payment, @ first identification code, 100, @ second identification code, 200" or "received payment, 100 , @第一 Identification Code, @ Second Identification Code, 200" or "Receipt, @ First Identification Code, @ Second Identification Code, 100, 200", the bank-side processing module 23 will sequentially, Use the first value "100" as the first labeled target user’s chat ID "first ID" to share the amount, and the second value "200" as the second labeled target user’s chat Identifier "Second Identifier" for the split amount.

In step 62, for each payment identification code, the bank-side processing module 23 generates a tranche amount corresponding to the payment identification code according to the payment identification code and the corresponding tranche amount. The user bank account corresponding to the payment identification code is transferred to the first transfer confirmation request of the user bank account corresponding to the initiation identification code, and the first transfer confirmation request is sent to the payment identification code via the bank communication module 21 The corresponding user terminal 3. It is worth noting that, in other embodiments, the bank-side processing module 23 can transmit the first transfer confirmation request to the chat server 1 through the bank-side communication module 21 through the bank chat identification code. Then, the chat server 1 is forwarded to the user 3 corresponding to the payment identification code. Or, the first transfer confirmation request is also to send a verification code to the user terminal 3 corresponding to the payment identification code via SMS.

In step 63, the consumer processing module 34 of the consumer 3 corresponding to each payment identification code, after receiving the corresponding first transfer confirmation request via the consumer communication module 31, responds to the user via Another input operation input by the user input module 32 is to generate a first confirmed transfer reply corresponding to the first transfer confirmation request, and the first confirmed transfer reply is sent to the user via the user communication module 31 Bank server 2. It is worth noting that in other embodiments, the client processing module 34 may send the first confirmation transfer reply (another text message) to the chat via the payment identification code and through the client communication module 31 The server 1 is then forwarded from the chat server 1 to the bank server 2 corresponding to the bank chat identification code. Or, the client processing module 34 may send the first confirmation transfer reply (a verification code to be approved) to the chat server 1 through the payment identification code and through the client communication module 31, and then The chat server 1 forwards to the bank server 2 corresponding to the bank chat identification code.

In step 64, for each first transfer confirmation request, the bank-side processing module 23 receives the first confirmation transfer response corresponding to the first transfer confirmation request via the bank-side communication module 21, and then according to the first transfer confirmation request A transfer confirmation request, which transfers the split amount corresponding to the payment identification code in the first transfer confirmation request from the user bank account corresponding to the payment identification code to the user bank corresponding to the initiation identification code account. It is worth noting that, in other embodiments, the bank-side processing module 23 can determine whether the first confirmation transfer response (another text message) indicates approval of the transaction based on the confirmation keywords, and send it to the bank-side When the processing module 23 determines that the first confirmation transfer reply indicates that the transaction is approved, it will correspond to the tranche amount corresponding to the payment identification code in the first transfer confirmation request from the user corresponding to the payment identification code The bank account is transferred to the user's bank account corresponding to the initiation identification code. Or, the bank-side processing module 23 determines whether the first confirmation transfer response (the verification code to be approved) is the same as the verification code, and when the bank-side processing module 23 determines that they are the same, it will correspond to the The sub-account amount corresponding to the payment identification code in the first transfer confirmation request is transferred from the user bank account corresponding to the payment identification code to the user bank account corresponding to the initiation identification code.

In step 65, the bank-side processing module 23 generates a first transaction detail message indicating whether each first transfer confirmation request has been completed, and the first transaction detail message is passed through the bank chat identification code through the bank The terminal communication module 21 transmits to the chat server terminal 1. It should be particularly noted that in this embodiment, the bank-side processing module 23 executes step 64, and generates and sends the first transaction detail message to the chat server every time the first transfer confirmation request is completed. Terminal 1; or after performing step 62, periodically generate and send the first transaction details message to the chat server 1, and after all the first transfer confirmation requests are completed, generate and send the last first transaction Send detailed messages to the chat server 1.

In step 66, the chat terminal processing module 13 transmits the first transaction details message to the user terminal 3 corresponding to all target user chat identification codes except the initiation identification code (that is, the first transaction details The message is posted in the chat group).

In step 67, the client processing module 34 of the client 3 corresponding to each target user’s chat ID other than the initiation ID is passed through the client communication module through the target user’s chat ID After receiving the first transaction detail message, 31 displays the first transaction detail message on the user end display module 33.

Referring to Figure 5, the transfer process is used to send money to the user bank account corresponding to one of the target user chat IDs in the chat group, and includes a step 71, a step 72, and a step 73. One step 74, one step 75, one step 76, and one step 77.

In step 71, the bank-side processing module 23 obtains a transfer-in identification code selected from the target user chat identification codes and a corresponding transfer-in amount according to the text message.

In step 72, the bank-side processing module 23 generates and transmits a transfer-in amount based on the transfer-in identification code and the transfer-in amount corresponding to the transfer-in amount from the user's bank account corresponding to the initiation identification code. The second transfer confirmation request of the user's bank account corresponding to the transfer-in identification code is sent to the user terminal 3 corresponding to the initiation identification code. It is worth noting that, in other embodiments, the bank-side processing module 23 can transmit the second transfer confirmation request to the chat server 1 through the bank-side communication module 21 through the bank chat identification code. Then, the chat server 1 is forwarded to the user 3 corresponding to the initiation identification code. Or, the second transfer confirmation request is also to send another verification code to the user terminal 3 corresponding to the initiation identification code via SMS.

In step 73, the client processing module 34 of the client 3 corresponding to the initiating identification code, after receiving the corresponding second transfer confirmation request via the client communication module 31, responds to the user via the Another input operation entered by the user input module 32 to generate a second confirmed transfer reply corresponding to the second transfer confirmation request, and the second confirmed transfer reply is sent to the bank via the user communication module 31 Server 2. It is worth noting that in other embodiments, the client processing module 34 may send the second confirmation transfer reply (another text message) to the chat via the payment identification code and via the client communication module 31 The server 1 is then forwarded from the chat server 1 to the bank server 2 corresponding to the bank chat identification code. Or, the client processing module 34 may send the second confirmation transfer reply (another verification code to be approved) to the chat server 1 via the payment identification code and via the client communication module 31, and then Transfer from the chat server 1 to the bank server 2 corresponding to the bank chat identification code.

In step 74, after the bank-side processing module 23 receives the second confirmation transfer response via the bank-side communication module 21, according to the second transfer confirmation request, the initiation identification code corresponds to the user's bank account The transfer-in amount in is transferred to the user's bank account corresponding to the transfer-in identification code. It should be noted that, in other embodiments, the bank-side processing module 23 can determine whether the second confirmation transfer response (another text message) indicates approval of the transaction based on the confirmation keywords, and send it to the bank-side When the processing module 23 determines that the second confirmation transfer reply indicates that the transaction is approved, it transfers the transfer amount in the user's bank account corresponding to the initiation identification code in the second transfer confirmation request to the transfer The user's bank account corresponding to the identification code. Or, the bank-side processing module 23 determines whether the second confirmation transfer response (the other verification code to be approved) is the same as the other verification code, and when the bank-side processing module 23 determines that they are the same, The transfer amount corresponding to the user bank account corresponding to the initiation identification code in the second transfer confirmation request is transferred to the user bank account corresponding to the transfer identification code.

In step 75, the bank-side processing module 23 generates a second transaction detail message indicating whether each second transfer confirmation request has been completed, and sends the second transaction detail message through the bank chat ID and passes through the bank The terminal communication module 21 transmits to the chat server terminal 1. It should be noted that, in this embodiment, the bank processing module 23 generates and transmits the second transaction detail message to the chat server 1 after performing step 74; or after performing step 72 , Periodically generate and send the second transaction detail message to the chat server 1, and after performing step 74, generate and send the last second transaction detail message to the chat server 1.

In step 76, the chat terminal processing module 13 transmits the second transaction details message to the user terminal 3 corresponding to all target user chat identification codes except the initiation identification code (that is, the second transaction details The message is posted in the chat group).

In step 77, the client processing module 34 of the client 3 corresponding to each target user’s chat ID other than the initiation ID is passed through the client communication module via the target user’s chat ID After receiving the second transaction detail message, 31 displays the second transaction detail message on the user end display module 33.

Referring to FIG. 6, the query program is used to query transaction records, and includes a step 81, a step 82, a step 83, a step 84, a step 85, a step 86, and a step 87.

In step 81, the bank processing module 23 determines whether the query object indicated by the text message is a group. When the bank processing module 23 determines that the query object indicated by the text message is a group, proceed to step 82; when the bank processing module 23 determines that the query object indicated by the text message is not When the group is an individual, proceed to step 85 of the process.

It is worth noting that in this embodiment, the bank-side processing module 23 determines whether the text message contains one of the group keywords to determine the query object indicated by the text message For groups or individuals.

In step 82, the bank-side processing module 23 transmits a first transaction history information related to the chat group to the chat server 1 through the bank-side communication module 21 through the bank chat identification code.

In step 83, after the chat terminal processing module 13 receives the first transaction history information via the chat terminal communication module 11, the first transaction history information is transmitted to the originator via the chat terminal communication module 11 The user end 3 corresponding to the identification code.

In step 84, after the user-side processing module 34 of the user-side 3 corresponding to the initiation identification code receives the first transaction history information through the user-side communication module 31, the first transaction history information is Displayed on the use end display module 33.

In step 85, the bank-side processing module 23 transmits a second transaction history information related to the user's bank account corresponding to the initiation identification code to the bank-side communication module 21 through the bank chat identification code. Chat server 1.

In step 86, after the chat terminal processing module 13 receives the second transaction history information via the chat terminal communication module 11, the second transaction history information is transmitted to the initiator via the chat terminal communication module 11 The user end 3 corresponding to the identification code.

In step 87, after the consumer processing module 34 of the consumer 3 corresponding to the initiation identification code receives the second transaction history information via the consumer communication module 31, the second transaction history information is Displayed on the use end display module 33.

To sum up, the present invention is based on the automatic transaction server of the chat robot. The bank processing module 23 can automatically recognize the content of the conversation in the chat group, and proceed according to the content of the conversation (the text message). For related financial transactions or inquiry services, users can conveniently complete daily cash flow processing in chats without opening online banking or mobile online banking, and the bank server 2 also provides security The transaction methods and public records facilitate customers to deal with various transaction needs. Therefore, it can indeed achieve the purpose of the invention.

However, the above 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 in accordance with 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 for the present invention.

200: Communication network 1: Chat server 11: Chat terminal communication module 12: Chat storage module 13: Chat terminal processing module 2: Bank server 21: Bank communication module 22: Bank-side storage module 23: Bank-side processing module 3: use end 31: Consumer communication module 32: User input module 33: Consumer display module 34: User-side processing module 51~55: Steps 61~67: Steps 611~613: Substep 71~77: Step 81~87: Step

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 block diagram illustrating an embodiment of the automatic transaction server based on a chat robot of the present invention; FIG. 2 is a flowchart illustrating a determination procedure of an automatic transaction method based on a chat robot executed by this embodiment; Figure 3 is a flowchart illustrating a collection procedure of the automatic transaction method based on the chat robot; Figure 4 is a flowchart illustrating the detailed flow of how the payment collection program obtains each payment identification code and its corresponding share of the amount; Figure 5 is a flowchart illustrating a transfer procedure of the automatic transaction method based on the chatbot; and Fig. 6 is a flowchart illustrating an inquiry procedure of the automatic transaction method based on the chat robot.

200: Communication network

1: Chat server

11: Chat terminal communication module

12: Chat storage module

13: Chat terminal processing module

2: Bank server

21: Bank communication module

22: Bank-side storage module

23: Bank-side processing module

3: use end

31: Consumer communication module

32: User input module

33: Consumer display module

34: User-side processing module

Claims (14)

An automatic transaction method based on a chat robot, implemented by a bank server, which corresponds to a bank chat identification code in a chat server, and connects to the chat server via a communication network through the bank chat identification code , The bank server stores a plurality of user bank accounts corresponding to multiple users, and a user chat ID corresponding to each user bank account in the chat server, and each user uses the corresponding The user chat ID is connected to the chat server via the communication network, the chat server includes a chat group, the chat group includes the bank chat ID, and a plurality of user chat IDs selected from The target user’s chat identification code, this chatbot-based automated trading method includes the following steps: (A) After the bank server receives a text message from the chat group and initiated by one of the target user’s chat ID codes through the bank’s chat ID code, it determines the Whether the transaction demand indicated by the text message is for collection; (B) When it is determined that the transaction demand indicated by the text message is to receive payment, the bank server will obtain a plurality of payment identification codes selected from the target user chat identification codes according to the text message and Corresponding to one share of the account amount; (C) For each payment identification code, the bank server generates and transmits a payment identification code corresponding to the tranche amount based on the payment identification code and the corresponding tranche amount, from the The user bank account corresponding to the payment identification code transfers the first transfer confirmation request of the user bank account corresponding to the initiation identification code to the user terminal corresponding to the payment identification code; and (D) For each first transfer confirmation request, after receiving the first confirmation transfer reply corresponding to the first transfer confirmation request, the bank server will correspond to the first transfer confirmation request according to the first transfer confirmation request. The sub-account amount corresponding to the payment identification code in a transfer confirmation request is transferred from the user bank account corresponding to the payment identification code to the user bank account corresponding to the initiation identification code. For example, in the automatic transaction method based on chat robots described in claim 1, the bank server also stores a plurality of collection keywords indicating collection, among which, In step (A), after the bank server receives the text message, it determines whether the text message contains a target keyword that is the same as one of the payment keywords. Whether the transaction request indicated in the text message is for collection; and After step (A), it also includes the following steps: (E) When it is determined that the transaction demand indicated by the text message is not for collection, use the bank server to obtain a transfer-in identification selected from the target user chat ID based on the text message The transfer amount of the code and its corresponding one. The automatic trading method based on chat robots as described in claim 2, wherein, after step (E), further includes the following steps: (F) The bank server generates and transmits a transfer amount based on the transfer identification code and the corresponding transfer amount, and transfers the transfer amount from the user's bank account corresponding to the originating identification code to the transfer Enter the second transfer confirmation request of the user's bank account corresponding to the identification code to the user terminal corresponding to the initiation identification code; and (G) After receiving the second confirmation transfer reply corresponding to the second transfer confirmation request by the bank server, according to the second transfer confirmation request, the initiating identification code corresponds to the user's bank account The transferred amount is transferred to the user's bank account corresponding to the transferred identification code. The automatic transaction method based on chat robots as described in claim 1, wherein, step (B) further includes the following steps: (B-1) When it is determined that the text message indicates a transaction demand, the bank server will obtain a total amount according to the text message; (B-2) Using the bank server to use the text message as the payment identification code of the target user marked in the text message; and (B-3) Use the bank's server to divide the total amount by the number of payment identification codes as the amount of each split. The automatic trading method based on chat robots as described in claim 1, wherein, after step (D), further includes the following steps: (H) The bank server generates a first transaction detail message indicating whether each first transfer confirmation request has been completed, and sends it to the chat server through the bank chat ID code, so that the chat server The terminal transmits the first transaction detail message to the user terminal corresponding to all the target user chat IDs except the initiation ID. For example, in the automatic transaction method based on a chat robot described in claim 1, the bank server also stores a plurality of query keywords that indicate query transaction records, and a plurality of group keywords that indicate that the query object is a group, wherein , After step (A), it also includes the following steps: (I) When it is determined that the transaction demand indicated by the text message is not for collection, use the bank server to determine whether the text message contains one of the group keywords to determine the Whether the query object indicated by the text message is a group; and (J) When it is determined that the query object indicated by the text message is a group, the bank server sends a first transaction history information related to the chat group to the chat server, so that The chat server terminal transmits the first transaction history information to the user terminal corresponding to the initiation identification code. The automatic trading method based on chatbots as described in claim 6, wherein, after step (I), further includes the following steps: (K) When it is determined that the query object indicated by the text message is not a group, the bank server will send a second transaction history information related to the user’s bank account corresponding to the initiation identification code to The chat server, so that the chat server transmits the second transaction history information to the user corresponding to the initiation identification code. An automatic transaction server based on a chat robot is connected to a chat server via a communication network. The chat server stores a bank chat identification code and a plurality of user chat identification codes corresponding to multiple users and includes a chat group, Each user terminal is connected to the chat server via the communication network through the corresponding user chat ID, and the chat group includes the bank chat ID and multiple targets selected from the user chat ID User chat ID. The automatic transaction server based on chat bots includes: A server communication module, which is connected to the chat server via the communication network through the bank chat ID; A server-side storage module, storing a plurality of user bank accounts corresponding to the users and their corresponding user chat IDs; and A server-side processing module, electrically connected to the server-side communication module and the server-side storage module; Wherein, the server-side processing module receives through the bank chat identification code and through the server-side communication module, a message generated from the chat group initiated by one of the target user chat identification codes After a text message, the server-side processing module determines whether the transaction demand indicated by the text message is for collection. When the server-side processing module determines that the transaction demand indicated by the text message is for collection, the server According to the text message, the processing module obtains a plurality of payment identification codes selected from the target user’s chat identification codes and their corresponding part of the account amount. For each payment identification code, the server-side processing module The payment identification code and the corresponding tranche amount are generated to generate a tranche amount corresponding to the payment identification code, which is transferred from the user bank account corresponding to the payment identification code to the user bank account corresponding to the initiation identification code And send the first transfer confirmation request to the user corresponding to the payment identification code via the server communication module. For each first transfer confirmation request, the server processing module After receiving the first confirmation transfer reply corresponding to the first transfer confirmation request via the server-side communication module, according to the first transfer confirmation request, it will correspond to the payment identification code in the first transfer confirmation request The sub-account amount is transferred from the user bank account corresponding to the payment identification code to the user bank account corresponding to the initiation identification code. The automatic transaction server based on a chat robot according to claim 8, wherein the server storage module also stores a plurality of payment keywords indicating payment, and the server processing module passes through the server After receiving the text message, the communication module determines whether the text message contains a target keyword that is the same as one of the payment keywords to determine whether the transaction demand indicated by the text message is a payment When the server-side processing module determines that the transaction demand indicated by the text message is not for collection, the server-side processing module obtains a chat ID selected from the target users according to the text message The transfer-in identification code of and its corresponding transfer-in amount. The automatic transaction server based on a chat robot according to claim 9, wherein the server processing module generates a transfer amount based on the transfer-in identification code and the corresponding transfer-in amount. The user bank account corresponding to the identification code is transferred to the second transfer confirmation request of the user bank account corresponding to the transfer-in identification code, and the second transfer confirmation request is sent to the originating identification code location via the server communication module Corresponding to the user end, the server-side processing module receives the second confirmation transfer reply corresponding to the second transfer confirmation request via the server-side communication module, and then sends the initiation identification code according to the second transfer confirmation request The transfer amount in the corresponding user bank account is transferred to the user bank account corresponding to the transfer identification code. The automatic transaction server based on the chat robot according to claim 8, wherein, when the server processing module determines that the text message indicates a transaction demand, the server processing module obtains a transaction request according to the text message The total amount, the server-side processing module uses the target user’s chat identification code marked in the text message as the payment identification codes according to the text message, and the server-side processing module divides the total amount by the payments The number of identification codes is used as the amount of each split. The automatic transaction server based on a chat robot according to claim 8, wherein the server processing module generates a first transaction detail message indicating whether each first transfer confirmation request has been completed, and combines the first The transaction detail message is sent to the chat server through the server communication module through the bank chat ID, so that the chat server sends the first transaction detail message to all target users other than the initiation ID. The user end corresponding to the code. The automatic transaction server based on a chat robot according to claim 8, wherein the server storage module also stores a plurality of query keywords indicating query transaction records, and a plurality of groups indicating that the query object is a group Group keywords. When the server processing module determines that the transaction demand indicated by the text message is not for collection, the server processing module determines whether the text message contains these group keywords. One is to determine whether the query object indicated by the text message is a group. When the server processing module determines that the query object indicated by the text message is a group, the server processing module will correlate A first transaction history information in the chat group is sent to the chat server through the server communication module through the bank chat identification code, so that the chat server sends the first transaction history information to the initiation identification The corresponding end of the code. The automatic transaction server based on a chat robot according to claim 13, wherein, when the server processing module determines that the query object indicated by the text message is not a group, the server processing module will correlate A second transaction history information of the user's bank account corresponding to the initiation identification code is sent to the chat server through the server communication module through the bank chat identification code, so that the chat server can use the second transaction history The information is sent to the user terminal corresponding to the initiation identification code.

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