TWI770464B - Fund transfer system and method thereof - Google Patents

Abstract

A fund transfer system adapted to a mobile communication device comprises: an input module configured to input a part information associated with a receiver, a selection signal, and a transfer information; a record module configured to store a plurality of complete information; a computing module configured to search the plurality of complete information of the record module to generate a list with a plurality of candidate information, wherein the plurality of candidate information are some of the plurality of complete information and each of the plurality of candidate information comprises the part information; the computing module further configured to trigger a transfer request after receiving the selection signal and the transfer information, wherein the selection signal is configured to select at least one of the plurality of candidate information; a secure control module configured to execute a verification procedure according to the transfer request; and a transaction server in communicable connection with the secure control module configured to execute the transfer request after passing the verification procedure.

Description

Transfer system and method thereof

The present invention relates to the field of financial services, in particular to a transfer system and method thereof.

The popularity of the Internet has brought many conveniences to human life. In the early days, most of the matters that required people to go out to deal with or apply for, now almost have corresponding service websites, and people can easily perform the same service items through computers connected to the Internet. For example, in the financial industry, online banking provides a variety of transaction operations, such as: checking account balances, transferring funds, paying bills, exchanging foreign currencies, etc., saving people the time to visit each branch in person or go to an ATM. Furthermore, mobile networks and smart phones have extended the services provided by online banking to the mobile communication devices of users. The public can log in to the mobile banking applications (Apps) provided by financial institutions anytime, anywhere, just like the Internet. Road banks generally have convenient access to various financial services.

However, as far as transfer transactions are concerned, most current mobile banking operations still require users to manually enter a 10- to 16-digit digital account number, or pre-set a commonly used transfer account number at the bank counter. The number of agreed accounts that need to perform transfer transactions increases, and it becomes increasingly difficult for users to accurately remember the objects represented by each account, and to quickly find one or several objects to transfer from a large number of account lists .

On the other hand, the security authentication provided by most mobile banks is usually traditional text and digital passwords or graphic passwords. The account is in an unprepared state, causing unexpected losses to users.

In view of this, the present invention proposes a transfer system and method thereof, which allows the user to obtain the complete account information of the recipient of payment only by entering a small amount of information, and to detect the user's transaction Provides a variety of ways to enter account numbers.

The transfer system described according to an embodiment of the present invention is suitable for a mobile communication device, and includes an input module, a recording module, an arithmetic module, a security control module and a transaction server. The input module is used for inputting segment information, selection signal and transfer information, wherein the segment information is associated with the payee. The recording module is coupled to the input module and used to record a plurality of complete information. The operation module is coupled to the input module and the recording module, and the operation module is used for searching a plurality of complete information of the recording module according to the segment information to generate a list including a plurality of candidate complete information, wherein the plurality of candidate complete information The information is several of the plurality of complete information, and the candidate complete information includes segment information, and the operation module is further used for triggering a transfer request after receiving the selection signal and the transfer information, wherein the selection signal is used to control the operation module. The group selects at least one of a plurality of candidate complete information from the list. The security control module is coupled to the input module and the computing module and is used for executing the verification procedure according to the transfer request. The transaction server is communicatively connected to the security control module and used to execute the transfer request after the verification procedure is passed.

The transfer method described according to an embodiment of the present invention is suitable for a mobile communication device, including: an input module inputs segment information, and the segment information is associated with a payee; the arithmetic module searches for the plural numbers recorded by the recording module according to the segment information complete information, and output a list including a plurality of candidate complete information, the plurality of candidate complete information is a plurality of the plurality of complete information and the plurality of candidate complete information includes segment information ; the input module inputs a selection signal to select at least one of the plurality of candidate complete information from the list; after inputting the selection signal, the input module inputs the transfer information; after inputting the selection signal and the transfer information, the computing module triggers a transfer request; The security control module executes the verification procedure according to the transfer request; after the verification procedure is passed, the transaction server executes the transfer request.

According to the above structure, the transfer system and method disclosed in the present invention are suitable for online banking or mobile banking running on a mobile communication device, and can provide the transfer payer to obtain the payee's account number and related information by means of intelligent input. , and can record the behavior track of the transfer payer operating the mobile bank as the basis for verifying whether the transfer payer is the account himself, so it can enhance the security and singleness of the transfer behavior, and avoid additional losses to the account when the mobile phone is stolen.

The above description of the present disclosure and the following description of the embodiments are It is used to demonstrate and explain the spirit and principle of the present invention, and provide further explanation of the scope of the patent application of the present invention.

1: Input module

2: Recording module

3: Operation module

4: Security control module

5: Transaction Server

6: Situation Mods

9: Mobile communication device

92: Fragment Information

94: Checklist

96: Candidate complete information

S11~S42: Steps

FIG. 1 is a structural diagram of a money transfer system according to an embodiment of the present invention.

FIG. 2 is a schematic diagram of a user interface of a money transfer system according to an embodiment of the present invention.

FIG. 3 is a flowchart illustrating a transfer method according to an embodiment of the present invention.

The detailed features and advantages of the present invention are described in detail in the following embodiments, and the content is sufficient to enable any person skilled in the relevant art to understand the technical content of the present invention and implement it accordingly, and according to the content disclosed in this specification, the scope of the patent application and the drawings , any person skilled in the related art can easily understand the related objects and advantages of the present invention. The following examples further illustrate the viewpoints of the present invention in detail, but do not limit the scope of the present invention in any viewpoint.

Please refer to FIG. 1, which is a schematic diagram of a transfer system according to an embodiment of the present invention. The transfer system includes an input module 1, a recording module 2, an arithmetic module 3, a security control module 4, and a transaction server. The device 5 and the context module 6; wherein, the input module 1, the recording module 2, the computing module 3, the security control module 4, and the context module 6 are located on a mobile communication device 9, and the mobile communication The device 9 is, for example, a smart phone or a tablet computer. Generally speaking, the money transfer system described in an embodiment of the present invention integrates the hardware components of the mobile communication device 9 itself through a mobile banking application installed on the mobile communication device 9 In order to realize the various functions mentioned later.

In an embodiment of the present invention, the input module 1 is a keyboard (a physical keyboard or a virtual keyboard displayed through the screen of the mobile communication device 9 ), a touch screen (for handwriting input), a microphone and a keyboard of the mobile communication device 9 . Therefore, the input module 1 has various input modes, such as inputting characters or numbers with a keyboard, recording voice with a microphone, or shooting images with a camera. The user can decide the input mode by himself, or the operation module 3 can automatically determine which input mode is suitable for the user. The implementation method of the body will be described later with the context module 6.

The input module 1 is used for the payer operating the mobile communication device 9 to input a segment information, a selection signal and a transfer information. To be more specific, the segment information is associated with the payee. For example, if the payee's complete bank account number is 008-1201-12345, the segment information is part of this account, such as "008", "" 201" or "345", etc.; the segment information can also be part of the numbers in the payee's phone number, or any text in the payee's name, part of the text in the email address, etc. The present invention does not limit the type of segment information. In practice, the payer generates segment information of the payee through the input module 1 using one of the aforementioned input methods, and the segment information will be sent to the computing module 3 in the form of text, voice or image electronic signals.

The recording module 2 is used for recording a plurality of complete information. Each complete piece of information includes at least the payee's name and account number, and may also include mobile phone number, email address, headshot photo, and the name of the relationship with the transfer payer...etc. These complete information are pre-stored in the recording module 2 in the form of a database, for example; the recording module 2 can also collect various related information generated by the user through the input module 1 during the operation of the mobile banking application by the user. The information of the payer is updated to the record module 2; the record module 2 can also connect to the bank server through the mobile communication device 9 to update the complete information. In practice, the recording module 2 is, for example, a hardware storage element on a smart phone, such as a flash memory, a memory card, and the like.

In an embodiment of the present invention, the recording module 2 not only records complete information related to a plurality of payees, but also records context information related to the payers. Specifically, the context information is the time, geographic location, voice, image or information generated by the context module 6 that is related to the state of the mobile communication device 9, such as acceleration signals, angular velocity signals, when the input module 1 generates segment information each time. Wait. The generation and application of the context information will be described in detail when the context module 6 is described later.

Please refer to FIG. 1 and FIG. 2 together, the computing module 3 is coupled to the input module 1 and the recording module 2 . The operation module 3 searches the recording module 2 according to the segment information 92 generated by the user through the input module 1 , and outputs a list 94 . The list 94 includes a plurality of candidate complete information 96 , and the segment information 92 is included in the candidate complete information 96 . For example, the transfer payer only remembers that the recipient's account number has "123" in it This set of numbers, but do not remember the full account number of the payee, therefore, the payer enters the segment information 92 of "123" in the "Payee" field through the input module 1, as shown in FIG. 2 . The computing module 3 searches the multiple pieces of complete information stored in the recording module 2 in real time, and lists multiple pieces of candidate complete information 96 that match the segment information 92 of "123" in the list 94, and each piece of candidate complete information 96 includes Fragment information 92 "123", as indicated by the bottom line in FIG. 2 . Also, in FIG. 2, the payee account number is used as the segment information 92 to show the list 94 and the candidate complete information 96. However, in practice, other types of segment information 92 related to the payee can also be entered in the payee field, such as Any character in the name, part of the digits in the phone number, part of the character in the e-mail address, etc., thereby improving the convenience for the user to input. In addition, the candidate complete information 96 in the above-mentioned list 94 can dynamically change its presentation order according to the user's past records of transfer operations. For example, the account that receives transfers more often is placed in a higher position in the list 94, thereby improving the convenience of the transfer payer.

Based on the aforementioned cooperative processing of the input module 1, the recording module 2 and the operation module 3, the transfer payer can easily input a small amount of fragment information 92 to obtain the complete information of the payee, reducing the need for the payer to memorize the complete account number The burden of numbers. In practice, the computing module 3 is further configured to trigger a transfer request after receiving the selection signal and the transfer information, wherein the selection signal is used to control the computing module 3 to select at least one of the plurality of candidate complete information 96 from the list 94 . To be more specific, after the candidate complete information 96 is presented in the list 94, the transfer payer can select an item from the list 94 by inputting a selection signal in the input module 1 (eg input by finger touch or input by voice recognition). The complete information 96 of several candidates is used as one or several payees of this transfer. The transfer payer must also enter the transfer amount in the transfer amount field. The transfer amount is composed of the payee account number selected by the selection signal and the transfer amount. News.

The security control module 4 is coupled to the input module 1 and the computing module 3 and is used for executing the verification procedure according to the transfer request. The verification procedure is to input a password through the input module 1 or input a biometric password through a biometric identification device (eg, a fingerprint sensor device), thereby completing the security verification of the user's identity before the transfer.

The transaction server 5 is communicatively connected to the security control module 4, and executes the transfer request after the verification procedure is passed, thereby completing the transfer action instructed by the transfer payer.

The context module 6 is coupled to the recording module 2 and the computing module 3 . The context module 6 is, for example, a gyroscope, an accelerometer, a positioning element, a radio element, and a camera element. The context module 6 is used to obtain the state of the mobile communication device 9 when the input module 1 generates segment information. The obtained state includes, for example, an angular velocity signal, an acceleration signal, time, geographic location, voice, and image. The recording module 2 records the context information associated with the payer, and the context information is the state when the user previously generated the segment information through the input module 1 . Accordingly, the computing module 3 cross-checks the state obtained by the current situation module 6 with the situation information recorded by the recording module 2, so as to select the most suitable input mode from the various input modes provided by the input module 1. An input mode for the state. For example, the computing module 3 uses machine learning to conclude from the context information that "the transfer request made by the user at 12:00 noon has an 80% chance of being input by voice", so when the context module 6 senses again In the same state, the voice input function is automatically enabled, allowing the user to quickly complete the transfer action. The user can also set the usual situation before executing the transfer action, for example: after shaking the mobile phone in Taipei City and placing it on the desktop, the handwriting recognition input will be activated; If the above state characteristics are obtained, the input module 1 is controlled to activate the input mode preset by the user. Through the cooperative operation mechanism of the context module 6, the recording module 2 and the computing module 3, the convenience of the user to operate the transfer system described in the embodiment of the present invention can be improved, and the user experience can be enhanced.

In another embodiment of the present invention, a warning module (not shown) is further included. The warning module is coupled to the security control module 4 for sending a warning message to another mobile communication device when the verification procedure fails. The other mobile communication device is, for example, an emergency contact person set by the user. It is worth noting that the verification process executed by the security control module 4 can not only verify the user's identity based on the password entered by the user, but also based on the status provided by the situation module 6 and the situation recorded by the record module. The information is cross-compared to determine whether there is an abnormality in this transfer request. Taking the previous example, if the user sends a transfer request in Taipei City, but does not shake the phone to automatically enable handwriting recognition input, but simply uses the keyboard input method, and the amount of this transfer exceeds the maximum amount of all previous transfers. Therefore, the security control module 4 can judge that this is an abnormal state, and send a short message to the mobile phone of the emergency contact person through the warning module to notify that there may be a fraudulent claim. By combining the above security control module 4 with the situation module 6 The comprehensive judgment mechanism can further strengthen the security of the transfer system described in the present invention.

Please refer to FIG. 3 , which is a flowchart of a transfer method described in accordance with an embodiment of the present invention. The method is applied to the transfer system described above, and includes the following steps:

Please refer to step S11 : before the user inputs the segment information 92 , the context module 6 obtains the status of the mobile communication device 9 . In practice, for example, when the user switches to the mobile banking application, the application facilitates the background collection of various status information obtained by the context module 6 .

Please refer to step S12: the recording module 2 obtains the context information. In practice, the computing module 3 can analyze various context information previously recorded by the recording module 2 during the background execution, so as to analyze the input modes commonly used by the user and the input states when these input modes are activated. In another embodiment of the present invention, the context information is not only stored in the local end of the mobile communication device 9, but also can be stored in the cloud space provided by the bank end synchronously. Therefore, in this step S12, the recording module 2 communicates with Connect to cloud space and update or synchronize contextual information.

Please refer to step S13 : the operation module 3 controls the input module 1 to provide one of multiple input modes according to the state and context information. For example, the status signal received by the context module 6 through the radio element of the mobile communication device 9 is: "start transfer", this is a voice command; before this, the context information stored by the recording module 2 includes the user's previous voice Therefore, after judging that the voiceprints of the state and the context information match, the computing module 3 automatically activates the voice input function to obtain the segment information 92 spoken by the user next.

Please refer to step S21: the user inputs the segment information 92 through the input module 1, and the segment information 92 is associated with a payee. For example, the user can directly say: "transfer account number 123", and the computing module 3 retrieves "123" from it as the segment information 92.

Please refer to step S22 : the computing module 3 searches the recording module 2 according to the segment information 92 and outputs the list 94 . The list 94 includes a plurality of candidate complete information 96. As shown in FIG. 2, there are four candidate complete information 96 in the list 94 that match the segment information 92 of “123”.

Please refer to step S23 : the input module 1 inputs a selection signal to select at least one of the candidate complete information 96 from the list 94 . For example, the user can continue to say: "transfer money to Wu OO, transfer money "To Zheng XX", the computing module 3 selects the two payees specified by the user in the list 94 according to the selection signal of the above voice input.

Please refer to step S31: after inputting the selection signal, the input module 1 inputs the transfer information, for example, the user can continue to say: "transfer 1000 yuan". The operation module 3 uses the above voice input as the transfer information.

Please refer to step S32: after inputting the selection signal and transfer information, the computing module 3 triggers a transfer request; after receiving the transfer request, the security control module 4 executes a verification procedure, such as requiring the user to input a transfer password, or Combining with the status information previously obtained by the context module 6 and the context information stored in the recording module 2, cross-comparison is performed to determine whether the current transfer request is indeed from the user himself.

Please refer to step S41: after the verification procedure is passed, the transaction server 5 executes the transfer request. For example: synchronously record the transfer request to the transaction server 5 of the bank, update the account balance and transaction information of the transfer payer and the payee, and send a push message to the payee's mobile communication device 9 .

Please refer to step S42: when the verification procedure of the security control module 4 is passed, it means that the current transfer request is indeed operated by the user. Therefore, the recording module 2 stores the status recorded by the situation module 6 as Contextual information, thereby improving the accuracy of analyzing the user's habitual input patterns and corresponding states.

To sum up the above, the transfer system and the method thereof disclosed in an embodiment of the present invention can be used by a smart phone or a tablet computer with a mobile banking application installed. Different from the application programs provided by traditional banks, the transfer system disclosed in the present invention provides a variety of input modes for the transfer payer, and automatically selects the input mode suitable for the current state of the user in an intelligent manner; , this transfer system simplifies it to enter a small amount of fragment information to automatically bring out the complete account information of the candidate payee, thus reducing the inconvenience that the transfer payer needs to memorize a large number of account numbers, and can use the intelligent learning method. Optimize the order of index results to make it easier for transfer payers to find the object they want to transfer. In addition, compared with the traditional digital or graphical password verification mechanism, the verification procedure provided by the security control module combined with the context module, the transfer system disclosed in the present invention can improve the standard of user verification, but does not increase the standard of user verification. Password information that requires the user to enter additionally, and the pure system The situation module samples the various states of the user using the mobile communication device, and sends it to the computing module and the recording module for analysis and comparison to obtain the input mode and input context frequently used by the same user, thus improving the user's identity. Certified security.

Although the present invention is disclosed in the foregoing embodiments, it is not intended to limit the present invention. Changes and modifications made without departing from the spirit and scope of the present invention belong to the scope of patent protection of the present invention. For the protection scope defined by the present invention, please refer to the attached patent application scope.

1: Input module

2: Recording module

3: Operation module

4: Security control module

5: Transaction Server

6: Situation Mods

9: Mobile communication device

Claims (3)

A transfer system, suitable for a mobile communication device, comprising: a context module for obtaining a state of the mobile communication device, the context module is an accelerometer, a gyroscope, a positioning element, a sound receiving element or a camera element; an input module for inputting a segment information, a selection signal and a transfer information, wherein the segment information includes a payee's phone number, the payee's name and the payee's electronic Email address, the input module is a keyboard, a microphone or a camera of the mobile communication device, the input module has a plurality of input modes, and the input modes include handwriting recognition input, input characters or numbers with the keyboard, and The microphone records voice or uses the camera to capture images; a recording module is coupled to the situation module, the recording module is used for recording a plurality of complete information and recording a situation information, the situation information includes the input module every time a time, a geographic location, a voice or an image when the segment information is generated; an operation module coupled to the context module, the input module and the recording module, the operation module is used for according to the segment The information searches the complete information of the recording module to generate a list including a plurality of candidate complete information, the operation module controls the input module according to the state to provide the corresponding pieces of the context information that match the state One of the input modes used when the information is input; wherein the candidate complete information is several of the complete information and the candidate complete information includes the segment information, and the operation module is further used for After receiving the selection signal and the transfer information, a transfer request is triggered, wherein the selection signal is used to control the computing module to select at least one of the candidate complete information from the list; a security control module is coupled to the input The module and the operation module are used for executing a verification procedure according to the transfer request, and the verification procedure is to input a password through the input module or through a biometric signature The signature identification device inputs a biometric password, and determines whether the verification procedure is passed according to the status, the input mode provided by the operation module and an amount in the transfer request; an alert module is coupled to the security control module a group, the warning module is used to send a warning message to another mobile communication device when the verification procedure fails; and a transaction server is communicatively connected to the security control module for after the verification procedure is passed Execute the transfer request; wherein, the state obtained in the context module includes a velocity signal generated by the accelerometer, an angular velocity signal generated by the gyroscope and a positioning information generated by the positioning element; obtained in the context module When the state includes the velocity signal, the angular velocity signal and the positioning information, and the context information is the same as the state, the input mode provided by the operation module is handwriting recognition input. A transfer method, applicable to a mobile communication device, comprising: obtaining a state of the mobile communication device with a context module, the context module being an accelerometer, a gyroscope, a positioning element, a sound-receiving element or a camera element, the state includes a velocity signal generated by the accelerometer, an angular velocity signal generated by the gyroscope and a positioning information generated by the positioning element; a computing module records a context information according to the state and a recording module Controlling an input module to provide one of a plurality of input modes, wherein the context information includes a time, a geographic location, a voice and an image each time the input module inputs a piece of information, the input module is the A keyboard, a microphone or a camera of the mobile communication device, the input modes include handwriting recognition input, inputting characters or numbers with the keyboard, recording voice with the microphone, or shooting images with the camera, and the computing module is based on the state. controlling the input module to provide the input mode with the highest usage rate when the corresponding pieces of information matching the state in the context information are input; wherein When the state obtained by the situation module includes the speed signal, the angular velocity signal and the positioning information, and the situation information cannot match the state, the input mode provided by the operation module is handwriting recognition input; in the situation model When the state obtained by the group does not include the velocity signal, the angular velocity signal and the positioning information, and the situation information cannot match the state, the input mode provided by the operation module is to input characters or numbers with the keyboard, and use the microphone to input characters or numbers. inputting voice or taking images with the camera; inputting the segment information by the input module according to the input modes, the segment information including a payee's phone number, the payee's name and the payee's name an email address; use the computing module to search for a plurality of complete information and the context information recorded by the recording module according to the segment information, and output a list, the list includes a plurality of candidate complete information, and the candidate complete information is several of the complete information and the candidate complete information includes the segment information; inputting a selection signal with the input module to select at least one of the candidate complete information from the list; after inputting the selection signal , use the input module to input a transfer information; after inputting the selection signal and the transfer information, use the computing module to trigger a transfer request; use a security control module to execute a verification program according to the transfer request, the verification program Input a password through the input module or input a biometric password through a biometric identification device, and determine whether to pass or not according to the status, the input mode provided by the operation module and an amount in the transfer request; and when When the verification procedure fails, a warning module is used to send a warning message to another mobile communication device; after the verification procedure is passed, a transaction server executes the transfer request. The transfer method according to claim 2, further comprising recording the status with the recording module after each pass of the verification procedure.

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