TWI770642B - Inter-bank fund transfer method and system - Google Patents

Abstract

An inter-bank fund transfer method and system, wherein a first electronic device opens a dialog window for communicating with a second electronic device, and after inputting a transfer amount on a fund transfer page provided in the dialog window, a communication server sends a message including a transfer value from the first electronic device to the second electronic device. The outgoing account number provided by another bank and bound to the first electronic device, the amount to be transferred, and the fund transfer information provided by the second other bank and bound to the incoming account of the second electronic device are sent to the first-generation payment server, so that According to the fund transfer information, request the first financial server of the first other bank to withdraw the transfer amount from the transfer account, and transmit the transfer amount and the transfer account to the second bank according to the fund transfer information. The second financial server of the other bank makes after the transfer-out amount is deposited into the transfer-in account, the collection and payment server generates and transmits a fund transfer completion message to the dialog window.

Description

Inter-bank fund transfer method and system

The present invention relates to a method for transferring funds, in particular to a method for transferring funds between banks.

Although the online banking (or mobile banking and mobile online banking) opened by existing physical banks provides the functions of intra-bank transfer and inter-bank transfer, whether it is intra-bank or inter-bank transfer, the transfer (remittance) from the bank's account to the bank is always carried out. It does not have the function of transferring funds from an account in another bank to an account in another bank, and the user who wants to transfer money every time It is inconvenient to select or enter the account to be withdrawn and the account to be paid. In addition, although some existing banks allow their customers to transfer funds between banks through chat software, such as LINE, they only allow customers to transfer funds from their account in one bank to another account in another bank. They also do not have the ability to transfer funds from an account in another bank to another. other account functions. Moreover, after a customer of another bank receives a remittance notice through LINE, the customer of another bank needs to click on the link in the remittance notice and enter the receiving account information before receiving the remittance. The operation is neither intuitive nor convenient enough. .

Therefore, the purpose of the present invention is to provide an inter-bank fund transfer method and an inter-bank fund transfer system implementing the method, which can at least solve the above-mentioned problems and facilitate user operations to easily complete inter-bank and inter-bank fund transfers between different banks. Operation.

Therefore, the method for transferring funds between banks of the present invention includes: a first electronic device executing an application program capable of communicating with a communication server, so as to open a dialog window for communicating with a second electronic device through the application program, And after a fund transfer option provided in the dialog window is selected by the first electronic device, the application program causes the first electronic device to display a fund transfer page for inputting a transfer amount, and the application program receives a confirmation of the transfer. After issuing the instruction, send a fund transfer information including a transfer-out account, the transfer-out amount and a transfer-in account to the first-generation payment server provided by the first-generation payment bank through the communication server; wherein the transfer-out account is provided by a first other bank and is preset in the application by the first electronic device; the transfer account is provided by a second other bank and is pre-installed in the application by the second electronic device in the program; the collection and payment server requests a first financial server of the first other bank to withdraw the transfer-out amount from the transfer-out account through the Taiwan Clearing House server according to the fund transfer information; and the agency According to the fund transfer information, the payment server transmits the transfer amount and the transfer account number to a second financial server of the second other bank through the financial company server, so that the second financial server sends the After the transfer-out amount is deposited into the transfer-in account, the collection and payment server generates a fund transfer completion message and transmits the fund transfer completion message to the dialog window through the communication server.

In some embodiments of the present invention described above, the communication server is an instant communication server, the application is an instant communication application, and the dialog window is used for real-time communication between the first electronic device and the second electronic device A chat room for communication.

In some embodiments of the present invention, the method further includes: the first electronic device opens a group of dialog windows generated by the application for communicating with a plurality of third electronic devices, and the After a red packet sending option provided in the group dialogue window is selected by the first electronic device, the application program causes the first electronic device to display a red packet sending page, and a general red packet option provided by the red packet sending page is selected by the first electronic device. When the device is selected, the red envelope payment page can be used to input the amount of red envelopes and the number M of red envelopes, and after the application program receives a confirmation deduction instruction, the application program makes the first electronic device send a deduction account including a debit account and The first deduction information of the total amount of a red envelope is sent to the collection and payment server through the communication server; the number M of the red envelope is greater than or equal to 1, and less than or equal to the number of the third electronic devices, and the total amount of the red envelope is the red envelope The amount of the red envelope is multiplied by the number M of the red envelope, the debit account is provided by a third other bank and preset in the application by the first electronic device; the payment server according to the first debit information, Request to a third financial server of the third other bank through the Taiwan Clearing House server to withdraw the total amount of the red envelope from the debit account, and notify the first electronic device through the communication server after the debit is successful the application program, so that the application program sends a red packet message in the group chat window in the name of the first electronic device, and sends the M red packet messages in the order in which the red packet message is read by the third electronic devices Red envelopes are sent to the first M third electronic devices that have been read; and the application program of the first electronic device obtains a collection account from each of the third electronic devices that have received the red envelopes through the communication server, and collects the money through the collection The payment server and the financial company server remit the amount of the red envelope to each of the collection accounts corresponding to each of the third electronic devices that received the red envelope, wherein each of the payment accounts is preset by each of the third electronic devices in the application installed in it.

In some embodiments of the present invention, the method further includes: the first electronic device opens a group conversation window generated by the application program for communicating with a plurality of third electronic devices, and the group conversation window After the offered red packet option is selected by the first electronic device, the application program makes the The first electronic device displays a red envelope page, and when a lotto red envelope option provided on the red envelope page is selected by the first electronic device, the red envelope page can be used to input the total amount of a red envelope, and the application receives a red envelope. After confirming the debit instruction, the application program instructs the first electronic device to transmit a second debit information including a debit account and the total amount of the red envelope to the collection and payment server through the communication server; the deduction The account number is provided by a third other bank and preset in the application program by the first electronic device; the collection and payment server sends the third other bank account to the third other bank through the Taiwan Clearing House server according to the second debit information A third financial server of the bank requests to withdraw the total amount of the red envelope from the debiting account, and after successful debiting, notifies the application of the first electronic device through the communication server, so that the application can obtain the red envelope The total amount is randomly divided into N red envelopes and a lotto red envelope message is sent in the group dialogue window in the name of the first electronic device, and sent in the order in which the lotto red envelope message is read by the third electronic devices. The N red packets are given to the first N third electronic devices; wherein N is greater than or equal to 1, but less than or equal to the number of these third electronic devices; Each of the third electronic devices obtains a collection account, and transfers the amount of the red envelope to each of the collections corresponding to each of the third electronic devices that received the red envelope through the collection and payment server and the financial company server an account number, wherein each of the payment accounts is preset in the application program installed in each of the third electronic devices.

In some embodiments of the present invention described above, the server is an instant messaging server, the application is an instant messaging application, and the group chat window is for the first electronic device and the third electronic devices A group chat room for instant messaging.

Furthermore, the present invention realizes an inter-bank fund transfer system of the above method, which can be combined with a first A first financial server of another bank communicates with a second financial server of a second other bank, and includes: a communication server, an agent provided by a first-generation payment bank and capable of communicating with the communication server A payment server and a first electronic device executing an application program capable of communicating with the communication server to open a dialog window for communicating with a second electronic device through the application program, and the dialog window After the provided transfer-out fund option is selected by the first electronic device, the application program causes the first electronic device to display a remittance page for inputting a transfer-out amount, and after the application program receives a confirmation transfer-out instruction, it sends the a fund transfer information including a transfer-out account, the transfer-out amount and a transfer-in account is sent to the communication server, so that the communication server transmits the fund transfer information to the collection and payment server; wherein the transfer The outgoing account number is provided by the first other bank and is pre-set by the first electronic device in the application program installed therein, and the incoming account number is provided by the second other bank and pre-set by the second electronic device therein Installed in the application; after receiving the fund transfer information, the collection and payment server requests the first financial server to withdraw the transfer from the transfer account according to the fund transfer information through the Taiwan Clearing House server and send the transfer-out amount and the transfer-in account to the second financial server through the financial company server, so that the second financial server deposits the transfer-out amount into the transfer-in account, and the generation The payment server generates a fund transfer completion message and transmits the fund transfer completion message to the dialog window through the communication server.

The effect of the present invention is that: the first electronic device opens a dialog window shared with the second electronic device, and enters the transfer amount on the fund transfer page provided by the dialog window, that is, the first electronic device can be bound from a The bank account of another bank is transferred to another bank account bound to the second electronic device, and the first electronic device can also send ordinary red packets through the red packet function provided in a group chat window. Pack or lotto red packets to other members in the group dialogue window corresponding to multiple third electronic devices, and obtain the total amount of red packets from a bank account of another bank bound to the first electronic device, and put the total amount of red packets. The amount is allocated to another bank account of another bank that is bound to each of the third electronic devices that have obtained the red envelope, so that the present embodiment is directly bound from an electronic device through the dialog window provided by the application program installed in the electronic device. The purpose of transferring funds from a bank account of another bank to another bank account bound to another electronic device.

A: The first electronic device

B: Second electronic device

C: The third electronic device

1: Communication server

2: The first other bank

21: First Financial Server

3: Collection and payment bank

31: Collection and payment server

4: Second other bank

41: Second Financial Server

5: Taiwan Clearinghouse Server

6: Financial company server

7: The third other bank

71: Third Financial Server

100: Conversation Window

101: Funds Transfer Options

102: Funds transfer page

1021: Amount field

1022: Dialogue field

1023: Confirm rollout option

103: Complete the funds transfer message

104: The other party has received the payment message

105: Payment received message

200: Group Conversation Window

201: Red Packet Options

202: Red envelope message

300: red envelope page

301: General Red Packet Options

302: Lotto Red Packet Options

400, 500: Confirm the red envelope information page

401, 501: Confirm option

S1~S14: Steps

Other features and effects of the present invention will be clearly presented in the embodiments with reference to the drawings, wherein: Fig. 1 is the main flow of an embodiment of the method for inter-bank fund transfer of the present invention; Fig. 2 is a method for realizing this embodiment Figure 3 is a schematic diagram of a dialog window between the first electronic device and the second electronic device of the present embodiment; Figure 4 is a schematic diagram of a fund transfer page of the present embodiment; The dialog window of FIG. 3 shows a schematic diagram of receiving the message of completing the transfer of funds and the received payment message; FIG. 6 is a schematic diagram of a group dialog window of the present embodiment; FIG. Fig. 8 is the schematic diagram of the confirmation red envelope information page of the general red envelope of the present embodiment; Fig. 9 is the schematic diagram showing that the group dialogue window of Fig. 6 receives red envelope; Fig. 10 is the red envelope page of the lottery red envelope of the present embodiment Schematic diagram; and FIG. 11 is a schematic diagram of the confirmation red packet information page of the lotto red packet of the present embodiment.

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

Referring to FIG. 1, it is the main flow steps of an embodiment of the method for inter-bank fund transfer of the present invention, and this embodiment is achieved by using the inter-bank fund transfer system shown in FIG. 2, whereby, as shown in step S1 in FIG. 1, when the first A user of an electronic device A instructs the first electronic device A to execute an application program to communicate with a communication server 1 through the instant messaging application, such as an instant messaging server via the network, and then use step S2 in FIG. 1 to use The user can operate the first electronic device A to open a dialog window 100 for instant communication with a second electronic device B through the application, such as a chat room shown in FIG. 3 (where member A represents the second electronic device B). the user of the device B) to conduct a dialogue or exchange information with the user of the second electronic device B through the dialogue window 100 . The application may be an instant messaging application provided by a network platform that establishes the communication server 1 , such as an instant messaging platform, a third-party payment platform, an online e-commerce platform, and the like.

And as shown in FIG. 3, the dialog window 100 provides a fund transfer option 101, and, as shown in step S3 of FIG. 1, when the user opens the fund transfer option 101 provided by the dialog window 100, the application program makes the first The electronic device A displays a fund transfer page 102 as shown in FIG. 4 corresponding to the fund transfer option 101. The user can input a transfer amount in an amount field 1021 provided on the fund transfer page 102. The words to be addressed to the other party can be entered in a dialogue field 1022 provided on the fund transfer page 102; then, as shown in step S4 in FIG. 1, when the user clicks a confirm transfer option 1023 on the fund transfer page 102, the After the application receives a confirmation transfer instruction, as shown in the figure Step S5 in step 1, the application program transmits a fund transfer information including a transfer account, the transfer amount and a transfer account through the communication server 1 via the network to the first generation payment bank 3 provided. payment server 31; wherein the transfer account number is provided by a first other bank 2 and is preset in the application program by the first electronic device A, and the transfer account number is provided by a second other bank 4 and The application program installed therein is preset by the second electronic device B; and before the above steps are performed, the user of the first electronic device A needs to send the first other bank 2 through the first electronic device A in advance. A first financial server 21 of the first financial server 21 applies for registration of online banking (or mobile banking, mobile online banking) to bind the first electronic device A as the login device of the online banking, and then the first electronic device A turns on the After the application is applied, the user can set a bank account opened by the user in the first other bank as the transfer account (of course, the transfer account can also be set) in the application; similarly, after performing the above steps Previously, the user of the second electronic device B also needs to apply to a second financial server 41 of the second other bank 4 through the second electronic device 2 to apply for online banking registration in order to bind the second electronic device B As the login device of the online bank, after the second electronic device 1 opens the application, the user can set a bank account opened by the user in the second other bank 4 in the application as The transfer-in account (of course, it can also be set as a transfer-out account).

Next, as shown in step S6 in FIG. 1 , according to the fund transfer information, the collection and payment server 31 requests the first financial server 21 of the first other bank 2 via the network through the Taiwan Clearing House server 5 to request payment from the first financial server 21 of the first other bank 2 The outgoing account withdraws the outgoing amount, and before withdrawing money, the first financial server 21 will first perform online banking identity verification and transaction verification for its users through the first electronic device A, and after the verification is successful, The withdrawal operation is performed; therefore, as shown in step S7 in FIG. 1 , the first financial server 21 The transfer-out amount will be withdrawn from the transfer-out account, and as shown in step S8 in FIG. 1 , the transfer-out amount will be sent back to the collection and payment server 31 through the Taiwan Clearing House server 5 via the network.

Then, after the collection and payment server 31 receives the transfer amount, as shown in step S9 in FIG. 1 , the collection and payment server 31 sends the transfer money through the financial company server 6 through the network according to the fund transfer information. The transfer-out amount and the transfer-in account number are sent to the second financial server 41 of the second other bank 4, then as shown in step S10 in FIG. 1 , the second financial server 41 deposits the transfer-out amount into the transfer-in account, and then, as shown in step S11 in FIG. 1 , through the financial company server 6 via the network, a notification of completion of account entry is sent back to the payment server 31 , and the payment server receives the notification of completion of payment Then, as shown in step S12 in FIG. 1 , a message of completing the transfer of funds is generated and step S13 in FIG. 1 is executed, and the message of completing the transfer of funds is sent to the communication server 1 through the network, and then in step S14 in FIG. 1 , the communication The server 1 transmits the funds transfer completion message to the dialog windows 100 of the first electronic device A and the second electronic device B.

Thereby, as shown in FIG. 5 , the user of the first electronic device A will see the message 103 of completing the transfer of funds and a message 104 that the other party has received in the dialog window 100 . Similarly, the use of the second electronic device B The user (ie member A) can also see the completed funds transfer message 103 through the dialog window 100, and the user of the second electronic device B can reply a received payment message 105 to the completed funds transfer message 103 through the dialog window 100, As shown in Figure 5. Therefore, when the user of the first electronic device A wants to transfer money across the bank to the user of the second electronic device B, he only needs to enter the dialog window 100 provided by the application for communicating with the second electronic device B, and in the dialog window 100 provides the relevant fields to enter the transfer amount (withdrawal amount), without entering the withdrawal account number of the withdrawer and the payment account number of the beneficiary, it can be easily It is easy and convenient to transfer money from the account of the user of the first electronic device A in the first other bank 2 to the account of the user of the second electronic device B in the second other bank 4 .

In addition, the first electronic device A can also join a group chat window 200 created in the application program together with a plurality of third electronic devices C installed with the application program, such as a group chat room shown in FIG. 6 . , and the user of the first electronic device A operates the first electronic device A to open the group dialogue window 200, and clicks a red envelope option 201 provided in the group dialogue window 200, the first electronic device A will display a red envelope page 300, as shown in Figure 7; the red envelope page 300 provides a general red envelope option 301 and a lotto red envelope option 302 for selection. When the user selects the general red envelope option, as shown in Figure 7, the The red envelope sending page 300 will ask to input the amount of the red envelope and the number M of the red envelope. After the input is completed, the first electronic device A will display a confirmation red envelope information page 400 as shown in FIG. 8 for the user to confirm the input content is correct and correct. No, when the user clicks a confirmation option 401 in the confirmation red packet information page 400, the application program of the first electronic device A will receive a confirmation debit instruction, and then the application program will make the first electronic device A A sends a first debit information including a debit account and a total amount of red packets (ie, the total debit amount in FIG. 8 ) to the collection and payment server 31 through the communication server 1 via the Internet; wherein The number M of red envelopes should be greater than or equal to 1 and less than or equal to the number of such third electronic devices C, and the total amount of the red envelopes is the amount of red envelopes multiplied by the number M of red envelopes; the debit account is provided by a third other bank 7 and It is preset in the application by the first electronic device A, and the third other bank 7 can be the above-mentioned first other bank 2 or another bank, so the debit account can be the above-mentioned first other bank 2 The transfer account or other account or account of another bank provided. Similarly, before performing the above steps, the user of the first electronic device A also needs to Apply to the third other bank 7 through the first electronic device A for online banking registration in advance to bind the first electronic device A as the login device of the online banking.

Then, according to the first debit information, the payment server 31 requests a third financial server 71 of the third other bank 7 via the network through the Taiwan Clearing House server 5 to withdraw the debit account from the debit account. The total amount of the red envelope, and before withdrawing money, the third financial server 71 will first perform online banking identity verification and transaction verification for its users through the first electronic device A, and then perform the withdrawal operation after the verification is successful. And after the withdrawal is successful, the payment server 31 notifies the application of the first electronic device A through the network through the communication server 1, so that the application can be registered in the group in the name of the first electronic device A. The group dialog window 200 sends a red packet message 202, as shown in FIG. 9 . Then, the application program of the first electronic device A will send the M red packets to the first M read third electronic devices C according to the order in which the red packet message 202 is read by the third electronic devices C.

Therefore, when the application program of the first electronic device A learns about the third electronic devices C that have received the red envelopes, the application program obtains the red envelopes from the third electronic devices C that have received the red envelopes through the communication server 1 . A collection account, and then through the collection and payment server 31 and the financial company server 6 to transfer the amount of the red envelope to each of the collection accounts corresponding to the third electronic devices C that received the red envelope, wherein each The payment account is pre-configured in the application program installed in each of the third electronic devices C and provided by other banks, and before performing the above steps, the user of each of the third electronic devices C needs to pass through each The third electronic device C applies to other banks to register online banking to bind each of the third electronic devices C as the login device of the online banking, and then each of the third electronic devices C starts the application After the program is completed, the user can set a bank account opened by the user in another bank as the payment account (of course, the payment account can also be set) in the application.

Referring also to FIG. 10 , when the user of the first electronic device A selects the lotto red envelope option 302 provided on the red envelope sending page 300 , as shown in FIG. 10 , the red envelope sending page 300 will require the input of a total red envelope After the input of the amount, the first electronic device A will display a confirmation red packet information page 500 as shown in FIG. 11 for the user to reconfirm whether the input content is correct or not. When the user clicks on the confirmation red packet information page 500 A confirmation option 501 of the first electronic device A, the application program of the first electronic device A will receive a confirmation debit instruction, and then the application program will cause the first electronic device A to send a debit account number including the debit account number and the total amount of the red envelope ( That is, the second debit information of the total debit amount in FIG. 11 is transmitted to the collection and payment server 31 through the communication server 1 via the network.

Then, the payment server 31 requests the third financial server 71 of the third other bank 7 to withdraw the payment from the debit account through the Taiwan Clearing House server 5 via the network according to the second debit information. The total amount of the red envelope, and before withdrawing money, the third financial server 71 will first perform online banking identity verification and transaction verification for its users through the first electronic device A, and then perform the withdrawal operation after the verification is successful. And after the deduction is successful, the collection and payment server 31 notifies the application of the first electronic device A through the network through the communication server 1, so that the application can randomly divide the total amount of the red envelope into N red envelopes, and send a lotto red packet message in the group chat room 200 in the name of the first electronic device A, similar to that shown in FIG. 9; then, the application of the first electronic device A will be called according to the lotto red packet The sequence of reading the third electronic devices C, send the N red envelopes to the first N third electronic devices C; wherein N is greater than or equal to 1, less than or equal to the number of the third electronic devices C, and each red envelope of The amount can be the same or different.

Therefore, when the application program of the first electronic device A learns of the third electronic devices C that have received the lotto red envelopes, the application will send the third electronic devices C that have received the lotto red envelopes to the third electronic devices that have received the lotto red envelopes through the communication server 1 . The electronic device C obtains a payment account, and transfers the amount of the red envelope through the payment server 31 and the financial company server 6 to the respective third electronic devices C corresponding to the lotto red envelopes. Receiving account.

To sum up, in this embodiment, the first electronic device A opens a dialog window shared with the second electronic device B, and inputs the transfer amount on the fund transfer page provided in the dialog window, so that the first electronic device A can The bound bank account of another bank is transferred to the bank account of another bank bound to the second electronic device B, and the first electronic device A can also send ordinary red envelopes or The lotto red envelopes are given to other members in the group dialogue window corresponding to the third electronic devices C, and the total amount of the red envelopes is obtained from the bank account of another bank bound to the first electronic device A, and the total amount of the red envelopes is obtained. The amount is allocated to another bank account of another bank bound to each of the third electronic devices C that have obtained the red envelope, so that in this embodiment, the dialog window provided by the application program installed in the electronic device is directly bound from the electronic device. The function and purpose of transferring funds from a bank account of another bank to another bank account bound to another electronic device.

However, the above are only examples of the present invention, and should not limit the scope of implementation of the present invention. Any simple equivalent changes and modifications made according to the scope of the patent application of the present invention and the contents of the patent specification are still included in the scope of the present invention. within the scope of the invention patent.

A: The first electronic device

B: Second electronic device

1: Communication server

21: First Financial Server

31: Collection and payment server

41: Second Financial Server

5: Taiwan Clearinghouse Server

6: Financial company server

S1~S14: Steps

Claims (8)

An inter-bank fund transfer method, comprising: a first electronic device executing an application program capable of communicating with a communication server, and opening a group dialog window generated by the application program for communicating with a plurality of third electronic devices , and after a red packet sending option provided by the group dialog window is selected by the first electronic device, the application program causes the first electronic device to display a red packet sending page, and a general red packet option provided by the red packet sending page is selected by the first electronic device. When the first electronic device is selected, the red envelopes page can be used to input the amount of red envelopes and the number M of red envelopes, and after the application program receives a confirmation deduction instruction, the application program causes the first electronic device to send a red packet including a red packet. The first debit information of the account number and the total amount of a red envelope is transmitted through the communication server to the first generation payment server provided by the first generation payment bank; the number M of the red envelope is greater than or equal to 1, and less than or equal to the number of the third electronic device. The total amount of the red envelope is the amount of the red envelope multiplied by the number M of the red envelope, the debit account is provided by a third other bank and preset in the application by the first electronic device; the collection and payment server According to the first debit information, request to a third financial server of the third other bank through the Taiwan Clearing House server to withdraw the total amount of the red envelope from the debit account, and after the deduction is successful, use the communication The server notifies the application program of the first electronic device, so that the application program sends a red packet message in the group dialogue window in the name of the first electronic device, and the red packet message is read by the third electronic devices according to the red packet message The M red packets are sent to the first M read third electronic devices in order of priority; and the application of the first electronic device obtains a red packet from each of the third electronic devices that received the red packets through the communication server. account, and remit the amount of the red envelope to the third electronic device that received the red envelope through the collection and payment server and the financial company server Each of the corresponding payment accounts, wherein each of the payment accounts is preset in the application program installed in the third electronic device. The interbank fund transfer method as claimed in claim 1, wherein the server is an instant messaging server, the application is an instant messaging application, and the group chat window is provided for the first electronic device and the third A group chat room where electronic devices conduct instant communication. An inter-bank fund transfer method, comprising: a first electronic device executing an application program capable of communicating with a communication server, and opening a group dialog window generated by the application program for communicating with a plurality of third electronic devices , and after a red envelope option provided by the group dialog window is selected by the first electronic device, the application program causes the first electronic device to display a red envelope page, and the lotto red envelope option provided by the red envelope page is selected by the first electronic device. When selected by the first electronic device, the red packet distribution page can be used to input the total amount of a red packet, and after the application program receives a debit confirmation instruction, the application program instructs the first electronic device to send an account including a debit account and The second debit information of the total amount of the red envelope is transmitted to the first generation payment server provided by the first generation payment bank through the communication server; the debit account is provided by a third other bank and preset by the first electronic device In the application; according to the second debit information, the collection and payment server requests a third financial server of the third other bank to withdraw the total amount of red packets from the debit account through the Taiwan Clearing House server. and after the deduction is successful, notify the application of the first electronic device through the communication server, so that the application can randomly divide the total amount of the red envelope into N red envelopes and store them in the first electronic device in the name of the first electronic device. The group chat window sends a lotto red envelope message, and sends the N red envelopes to the first N third electronic devices according to the sequence in which the lotto red envelope message is read by the third electronic devices; wherein N is greater than or equal to In 1, it is less than or equal to the number of these third electronic devices; and the application program of the first electronic device obtains a payment account from each of the third electronic devices that have received the red envelope through the communication server, and through the The payment server and the financial company server remit the amount of the red envelope to each of the payment accounts corresponding to the third electronic devices that received the red envelope, wherein each of the payment accounts is preset by each of the third electronic devices in the application installed in it. The inter-bank fund transfer method as claimed in claim 3, wherein the server is an instant messaging server, the application is an instant messaging application, and the group chat window is provided for the first electronic device and the third A group chat room where electronic devices conduct instant communication. An inter-bank fund transfer system, comprising: a communication server; a first-generation payment server, which is provided by a first-generation payment bank and can communicate with the communication server; and a first electronic device that executes a communication server capable of communicating with the communication server and the first electronic device opens a group dialog window generated by the application program for communicating with a plurality of third electronic devices, and a red envelope option provided by the group dialog window is selected by the After the first electronic device is selected, the application program causes the first electronic device to display a red envelope page, and after a general red envelope option provided on the red envelope page is selected by the first electronic device, the red envelope page can be used to input red envelopes The amount of money and the number M of red envelopes, and after the application program receives a confirmation deduction instruction, the application program instructs the first electronic device to send a first deduction information including a debit account number and the total amount of a red envelope through the application program. The communication server sends it to the collection and payment server; the number M of the red envelopes is greater than or equal to 1, and less than or equal to the number of the third electronic devices, and the total amount of the red envelopes is the amount of the red envelopes Multiplied by the number M of red envelopes, the debit account is provided by a third other bank and pre-set in the application by the first electronic device; the payment server according to the first debit information, through Taiwan The clearing house server requests a third financial server of the third other bank to withdraw the total amount of the red envelope from the debit account, and after successful debit, notifies the first electronic device of the first electronic device through the communication server The application program makes the application program send a red packet message in the group dialogue window in the name of the first electronic device, and according to the order in which the red packet message is read by the third electronic device, send the M red packets to The first M third electronic devices read; the application program of the first electronic device obtains a payment account from each of the third electronic devices that received the red envelope through the communication server, and passes the payment server through the payment agent and the financial company server transfers the amount of the red envelope to each of the collection accounts corresponding to each of the third electronic devices that received the red envelope, wherein each of the payment accounts is preset and installed in each of the third electronic devices. in the app. The inter-bank fund transfer system as claimed in claim 5, wherein the communication server is an instant messaging server, the application is an instant messaging application, and the group chat window is used for the first electronic device and the second electronic device. A group chat room where three electronic devices conduct instant communication. An inter-bank fund transfer system, comprising: a communication server; a first-generation payment server, which is provided by a first-generation payment bank and can communicate with the communication server; and a first electronic device that executes a communication server capable of communicating with the communication server application program for communication with the device, and the first electronic device opens the application program generated for communicating with a plurality of third electronic devices A group dialog window in which the device communicates, and after a red packet sending option provided by the group dialog window is selected by the first electronic device, the application program causes the first electronic device to display a red packet sending page, and the red packet sending After the Lotto red envelope option provided on the page is selected by the application and the first electronic device, the red envelope page can be used to input the total amount of a red envelope, and after the application receives a confirmation deduction instruction, the application orders The first electronic device transmits a second debit information including a debit account number and the total amount of the red envelope to the collection and payment server through the communication server; the debit account number is provided by a third other bank and The first electronic device is preset in the application; the collection and payment server requests the payment from a third financial server of the third other bank through the Taiwan Clearing House server according to the second debit information. The debit account withdraws the total amount of the red envelope, and after successful deduction, notifies the application of the first electronic device through the communication server, so that the application randomly divides the total amount of the red envelope into N red envelopes and uses the The first electronic device sends a lotto red envelope message in the group dialog window, and sends the N red envelopes to the first N third electronic devices in the order in which the lotto red envelope message is read by the third electronic devices Electronic device; wherein N is greater than or equal to 1 and less than or equal to the number of the third electronic devices; the application program of the first electronic device obtains a payment account number from each third electronic device that has received the red envelope through the communication server , and remit the amount of the red envelopes to the respective collection accounts corresponding to the third electronic devices that received the red envelopes through the collection and payment server and the Caijin company server, wherein each of the collection accounts is the first The three-electronic device is pre-configured in the application program installed therein. The inter-bank fund transfer system as claimed in claim 7, wherein the communication server is an instant messaging server, the application is an instant messaging application, and the group chat window is used by the first electronic device and the third A group of three electronic devices for instant communication chatroom.

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