TWI772779B - Fund redemption system and method thereof - Google Patents

Abstract

A fund redemption system, comprises: a database, a server and a mobile device. The database stores a user information, wherein the user information includes a recurrent expenditure. The server is in communication connection with the database, the server is configured to output a first figure, wherein the first figure is associated with a contract content. The mobile device has a camera unit; the camera unit is configured to shoot the first figure to obtain an image of the first figure. The camera unit obtains a second figure based on the image, wherein the second figure is associated with the contract content. The mobile device overlaps the first image and the second image to present the contract content. The mobile device further obtains and outputs a confirmation command corresponding to the contract content. The server calculates a payment amount based on the recurrent expenditure after receiving the confirmation command from the mobile device, and performs a fund redemption procedure to redeem the payment amount. The server transfers the payment amount to a bank account corresponding to the recurrent expenditure after performing the fund redemption procedure.

Description

Fund redemption system and method thereof

The present invention relates to a fund redemption system and method, in particular to a fund redemption system and method for avoiding contract content leakage.

When the balance of the deposit account designated by the customer exceeds the flexible fund setting, according to the existing technology, the customer can use the balance flexibly, for example, the amount exceeding the flexible fund can be automatically subscribed for a currency fund. In addition, customers can also agree to pay other fees from the designated deposit account, such as credit card fees, telecommunication fees, water fees, electricity fees, gas fees and other recurring fees. Under the existing mechanism, although customers can increase the amount of flexible funds to pay for various fees, if customers forget to adjust the amount of flexible funds, it is easy to cause problems such as failure to debit or related delay fees.

In addition, whether the customer is applying for the automatic subscription of monetary funds with the amount exceeding the flexible fund, or agreeing to pay the recurring fee with the amount exceeding the flexible fund, he must read and confirm the relevant contract content first. However, if the content of the contract is presented in paper, as long as someone with intentions obtains the paper contract, it may lead to the leakage of the confidential content of the contract; and if the content of the contract is mailed to the customer's e-mail in the form of an electronic file, the content of the contract may be compromised. Hacker interception may also lead to the leakage of confidential content.

In view of the above, the present invention provides a fund redemption system and method thereof that meet the above requirements.

A fund redemption system according to an embodiment of the present invention includes: a database, storing a user data, the user data including a recurring payment item; a server, communicating with the database, the server is used for based on The user data outputs a first picture, wherein the first picture is associated with a contract content; and a mobile device has a camera element, the camera element is used for photographing the first picture to obtain the first picture associated with the first picture An image of a drawing, the mobile device obtains a second drawing corresponding to the first drawing based on the image, wherein the two drawings are associated with the contract content, and the mobile device superimposes the second drawing on the first drawing A picture is used to present the contract content, and the mobile device further obtains and outputs a confirmation command corresponding to the contract content, wherein the server calculates a value based on the recurring payment item after receiving the confirmation command from the mobile device. a payment amount, and execute a fund redemption procedure to redeem the payment amount, the server transfers the payment amount to a financial account corresponding to the recurring payment item after executing the fund redemption procedure.

A fund redemption method according to an embodiment of the present invention is applicable to a fund redemption system, wherein the fund redemption system includes a database, a server, a display device and a mobile device, and the fund redemption method includes: Obtaining a user data from the database based on a payment instruction by the server, wherein the user data includes a recurring payment item; using the server to output a first image to the display device based on the user data, wherein the first image A picture is associated with a contract content; the display device is used to display the first picture; a camera element of the mobile device is used to capture the first picture to obtain an image associated with the first picture; The device obtains a second image corresponding to the first image based on the image, wherein the two images are associated with the contract content; the mobile device is used to overlay the second image onto the first image to present the contract content; obtain and output a confirmation command corresponding to the contract content by the mobile device to the server; use the server to calculate a payment amount based on the recurring payment item, and execute a fund redemption procedure to redeem the payment and using the server to transfer the payment amount to a financial account corresponding to the recurring payment item.

To sum up, according to the fund redemption system and method thereof shown in one or more embodiments of the present invention, even if the customer forgets to adjust the amount of the flexible fund, he can still redeem the required amount from the fund to pay the regular fee. Sexual charges to avoid deduction failure or derivative related delay charges. In addition, according to the system and method for redemption of funds shown in one or more embodiments of the present invention, when the customer needs to read and confirm the content of the relevant contract, no matter whether the contract is presented in the form of a paper or an electronic file, all It can prevent the content from being intercepted by hackers and lead to the leakage of confidential content.

The above description of the present disclosure and the following description of the embodiments are 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.

The detailed features and advantages of the present invention are described in detail below in the 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 and FIG. 2 together, wherein FIG. 1 is a block diagram of a fund redemption system according to an embodiment of the present invention; FIG. 2 is a fund redemption method according to an embodiment of the present invention. flow chart.

The fund redemption system shown in FIG. 1 includes a server 10 , a database 20 , a display device 30 and a mobile device 40 , wherein the server 10 is communicatively connected to the database 20 , the display device 30 and the mobile device 40 . Specifically, the server 10 is, for example, a server of a bank; the database 20 is, for example, a database of a bank, which stores multiple user data and contract data, etc.; the display device 30 is a device with a display such as a computer; a mobile device 40 is, for example, a smart phone, a tablet computer, etc., which have a camera and are installed with an application program. The mobile device 40 is connected to the server 10 by the application program to receive and transmit data.

Please refer to step S10 in FIG. 2 : obtaining user information from the database based on the payment instruction.

The server 10 obtains user data from the database 20 based on a payment command, and the user data includes a recurring payment item, wherein the server 10 may obtain the payment command from an application of the mobile device 40, and the payment command is, for example, a recurring payment Instructions to pay for the item. In other words, after the user inputs the payment instruction in the application program of the mobile device 40, the server 10 is notified that he wants to reserve part of the balance of the bank account or the funds purchased by him to pay for the recurring payment item, wherein The recurring payment items are, for example, water bills, electricity bills, gas bills, credit card fees, insurance premiums, and delivery payments for buying stocks. After receiving the payment instruction, the server 10 can subsequently determine the amount to be redeemed according to the recurring payment items.

Step S13: Output the first picture based on the user data.

After determining the user information, the server 10 can output a first image, wherein the first image is associated with a contract content. That is, if the user makes an appointment to redeem part of the balance of the bank account or the funds he purchased to pay for the recurring payment item, the user needs to confirm whether the relevant contract content is correct, so that the bank is confirming that the user is Only after the requirements are correct can the relevant operating procedures be executed.

Step S15: Display the first picture.

The above-mentioned first drawing can be presented by the display device 30, and the first drawing can also be presented on paper. It should be noted that, the display device 30 of the fund redemption system shown in the present invention may be set selectively, that is, if the first picture is presented in the form of paper, the display device 30 may not be set and omitted. In step S15, the present invention does not limit the presentation manner of the first picture.

Step S17 : photographing the first picture to obtain an image associated with the first picture.

The camera element of the mobile device 40 can capture the first picture to obtain an image associated with the first picture, and the camera element of the mobile device 40 only needs to be aligned with the first picture so that the screen of the mobile device 40 can display the complete first picture. The image of a picture, that is, the image of the first picture, can be static or dynamic. The present invention does not limit the presentation of the image of the first picture, wherein the first picture includes an identification code and a basic content layer , and the base content layer is part of the contract content.

Step S19: Acquire a second image corresponding to the first image based on the image.

After acquiring the image of the first image, the application program of the mobile device 40 selects one of the preselected images as the second image based on the identification code of the first image in the image. That is, the mobile device 40 selects the corresponding second image according to the identification code of the first image, and the second image includes a confidential content layer corresponding to the basic content layer, and the confidential content layer includes another layer of the contract content. a part.

Step S21: Overlap the second drawing on the first drawing to present the contract content.

After the mobile device 40 obtains the first picture and the second picture, the second picture is superimposed on the first picture to obtain the complete contract content. According to this step, by obtaining the complete contract content in a decentralized manner, the more confidential contract content (confidential content layer) can be protected, so as to prevent the confidential content from being read by unrelated people, resulting in data leakage.

Step S23: Obtain and output a confirmation instruction corresponding to the contract content.

That is, after the mobile device 40 presents the complete contract content, the mobile device 40 may request the user to input a confirmation command to obtain a confirmation command corresponding to the contract content and output it to the server 10, wherein the confirmation command may be a bank account Account password or signature, etc., the present invention does not limit the form of confirmation instruction. The operation of this step is described in detail in Figure 3 below.

Step S25: Execute a fund redemption procedure to redeem the payment amount.

After receiving the confirmation instruction, the server 10 determines that the user has confirmed that the contract content is correct, so the server 10 can calculate the payment amount based on the recurring payment item, wherein the payment amount is the amount to be redeemed. After calculating the payment amount, the server 10 can execute a fund redemption program to redeem funds at least equal to the payment amount, wherein the recurring payment item includes a payment period, and the server 10 completes the fund redemption before the payment period back to the program.

In detail, after the server 10 receives the confirmation instruction, it indicates that the user has confirmed that the recurring fee is to be paid with the flexible fund of the designated deposit account, and the server 10 can pay the recurring fee when the flexible fund is insufficient to pay the recurring fee. , redeem some or all of the funds from monetary funds, etc., to avoid problems such as derivative-related delay fees due to insufficient flexible funds.

Step S27: Transfer the payment amount to the financial account corresponding to the recurring payment item.

After the funds are redeemed, the server 10 can transfer the payment amount to one or more financial accounts corresponding to the recurring payment items, so as to pay for the recurring payment items. In other words, if the recurring payment items include water bills and electricity bills, the server 10 transfers the payment amount to an organization such as a water company, an electric power company, etc. to pay for these recurring payment items.

Accordingly, users can use their funds and deposits flexibly and pay bills on time. In addition, when reading the content of the contract, it can prevent the basic content and confidential content of the contract from being read by interested parties at the same time, thereby avoiding the leakage of confidential information.

Please refer to FIG. 3 , which is a flowchart illustrating an embodiment of step S23 in FIG. 2 .

Step S23 shown in FIG. 2 is: obtaining and outputting a confirmation command corresponding to the contract content.

Step S2301: Obtain a confirmation command from the confirmation field layer.

That is, when the mobile device 40 obtains the second picture in step S19, it can further select one of the pre-selected pictures as a third picture according to the identification code based on the first picture in the image, and the third picture The drawing includes one or more confirmation field layers, and it should be noted that the plurality of pre-selected drawings described herein are different from the aforementioned pre-selected drawings corresponding to the second drawing. The confirmation field layer of the third picture is used to obtain a confirmation command, wherein the confirmation command is in the form of an account password or a signature, for example. The first view, the second view and the third view shown in FIGS. 2 and 3 will be further described in FIGS. 4A to 4D . After acquiring the image of the first image, the application program of the mobile device 40 selects one of the preselected images as the second image based on the identification code of the first image in the image

Step S2303: Output the first picture and the third picture including the confirmation command to the server.

After the mobile device 40 obtains the confirmation command from the confirmation field layer of the third drawing, the mobile device 40 outputs the first drawing and the third drawing including the confirmation command to the server 10 together.

Step S2305: Determine whether the confirmation commands of the first picture and the third picture conform to the user data.

After receiving the first drawing and the third drawing including the confirmation command, the server 10 can determine whether the first drawing is the first drawing that was previously output; and determine whether the confirmation instruction of the third drawing is the previous one. Pre-stored instructions. That is, the user data preferably includes the first picture corresponding to the recurring payment item, the pre-stored user's account password, and/or the pre-stored user's name and signature handwriting, and the server 10 can determine from the third picture. Whether the received account password is a pre-stored account password, or whether the content and handwriting of the signature received from the third picture are consistent with the previously pre-stored content and handwriting, so as to determine whether the first picture and the third picture are Verify that the command matches the user profile. In addition, the user data may further include the user's address, telephone number, ID card number, etc., and the present invention does not limit the content of the user data.

When the server 10 determines that the confirmation instructions of the first picture and the third picture conform to the user data, the server 10 may continue to perform step S25 : execute a fund redemption procedure to redeem the payment amount.

Conversely, when the server 10 determines that the confirmation command of the first or third image does not conform to the user data, the server 10 may execute step S2307 : output a notification or step S2309 : output another third image.

To be more specific, when the server 10 determines that the first image does not conform to the user data, it means that the mobile device 40 transmits an incorrect image, and the server 10 can perform step S2307 to output a notification to the mobile device 40 to notify the user Graphic error.

If the server 10 determines that the confirmation command of the third picture does not match the user data, the server 10 may execute step S2309 to output another third picture to the mobile device 40 to request the confirmation command again.

Accordingly, the server 10 can double judge the legitimacy of the confirmation instructions of the first picture and the third picture to ensure that the user himself receives the contract content and that the user himself confirms the contract content.

Please refer to FIG. 1 and FIG. 4A together, wherein FIG. 4A is an exemplary diagram of the first plane according to an embodiment of the present invention.

The first picture F1 includes an identification code IF and a basic content layer A1. The identification code IF shown in FIG. 4A is, for example, numbers "21", "30" and "47", and each number is depicted in a different figure, It should be noted that the identification code IF shown in FIG. 4A is only an example, the identification code IF can be one or more, and the identification code IF can be set at each position of the first drawing F1, and the style of the identification code IF can be It is realized by colors, numbers, characters, graphics, symbols, etc. or combinations thereof, and the present invention does not limit the style of the identification code IF.

Specifically, the image captured by the camera element of the mobile device 40 is the first image F1, and the server 10 can then determine whether the first image F1 is the output image based on the identification code IF.

The basic content layer A1 is preferably the contract content that does not contain confidential data as shown in FIG. 4A , so even if the content shown in the first drawing F1 is read by an interested person, it will not cause the leakage of confidential data.

Please refer to FIG. 1 and FIG. 4B together, wherein FIG. 4B is an exemplary diagram of the second plane according to an embodiment of the present invention. filming

The mobile device 40 selects one of the plurality of preselected pictures as the second picture F2 based on the identification code IF, that is, the mobile device 40 selects the picture with the same identification code IF from the plurality of pictures as the second picture F2 In the picture F2, the identification code IF shown in the second picture F2 is only an example. The mobile device 40 can also search for the picture with the identification code IF in the lower right corner and use it as the second picture F2. The basis for the mobile device 40 to search for the second image F2 is not limited.

The second image F2 further has a confidential content layer A2, and the confidential content layer A2 is preferably confidential identity data, wherein the content presented by the confidential content layer A2 is, for example, the account name, the ID number, the contact phone number in the user data and deposit account number, etc., the present invention does not limit the content presented by the confidential content layer A2.

Please refer to FIG. 1 and FIG. 4C together, wherein FIG. 4C is an exemplary diagram of a third plane according to an embodiment of the present invention.

It should be noted that, in order to facilitate understanding, the second view F2 and the third view F3 shown in FIG. 4B and FIG. 4C are described separately, but in actual operation, the second view F2 and the third view F3 Preferably, they are output to the mobile device 40 together. In addition, the third drawing F3 can optionally be provided with the same identification code IF as the second drawing F2 and the third drawing F3, and the confirmation field layer CC of the third drawing F3 can be one or more, And it may be located at other positions on the third drawing F3, and the present invention does not limit the setting position and setting quantity of the confirmation field layer CC of the third drawing F3.

The third picture F3 shown in FIG. 4C has a confirmation field layer CC, which is preferably used to obtain a confirmation command from the user to determine whether the user has read and confirmed the contract content. The confirmation field layer CC is, for example, a field for requesting a signature as shown in FIG. 4C . However, the confirmation field layer CC can also be a field for requesting an account password, etc., or a field for requesting input of biometric signals (for example, fingerprint recognition, face recognition, etc.). The server 40 can obtain the confirmation command from the confirmation field layer CC.

Please refer to FIG. 1 and FIGS. 4A to 4D together, wherein FIG. 4D is an exemplary diagram of combining the first, second and third views according to an embodiment of the present invention.

Specifically, after the mobile device 40 receives the first image F1 , the second image F2 and the third image F3 , the mobile device 40 preferably overlaps the three images, so that the mobile device 40 can be combined together The identification code IF, the basic content layer A1, the confidential content layer A2, and the confirmation field layer CC are presented to present the complete contract content as shown in FIG. 4D. Accordingly, not only can the contract content be obtained in a decentralized manner to avoid leakage of confidential information, but also the user can still read the complete contract content, and by returning the first picture F1 and the third picture F3 The way to the server 10 can return the confirmation file in a safer way.

To sum up, according to the fund redemption system and method thereof shown in one or more embodiments of the present invention, even if the customer forgets to adjust the amount of the flexible fund, he can still redeem the required amount from the fund to pay the regular fee. Sexual charges to avoid deduction failure or derivative related delay charges. In addition, according to the system and method for redemption of funds shown in one or more embodiments of the present invention, when the customer needs to read and confirm the content of the relevant contract, no matter whether the contract is presented in the form of a paper or an electronic file, all It can prevent the content from being intercepted by hackers and lead to the leakage of confidential content.

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.

10: Server 20:Database 30: Display device 40: Mobile Devices F1: first drawing F2: Second image F3: third drawing A1: Base Content Layer A2: Confidential content layer CC: Confirm Field Layer IF: identification code

FIG. 1 is a block diagram of a fund redemption system according to an embodiment of the present invention. FIG. 2 is a flowchart of a method for redemption of funds according to an embodiment of the present invention. FIG. 3 is a flowchart illustrating an embodiment of step S23 in FIG. 2 . FIG. 4A is an exemplary diagram of a first plane according to an embodiment of the present invention. FIG. 4B is an exemplary diagram of the second plane according to an embodiment of the present invention. FIG. 4C is an exemplary diagram of a third drawing according to an embodiment of the present invention. FIG. 4D is an exemplary diagram of combining the first, second, and third views according to an embodiment of the present invention.

10: Server

20:Database

30: Display device

40: Mobile Devices

Claims (10)

A fund redemption system, comprising: a database storing a user data, the user data including a recurring payment item; a server communicating with the database, the server being used for outputting a first order based on the user data a picture, wherein the first picture is associated with a contract content; a display device, communicatively connected to the server, the display device is used for displaying the first picture; and a mobile device with a camera element, the The camera element is used for photographing the first image to obtain an image associated with the first image, and the mobile device obtains a second image corresponding to the first image based on the image, wherein the two images are associated with For the contract content, the mobile device superimposes the second image on the first image to present the contract content, the mobile device further obtains and outputs a confirmation command corresponding to the contract content, wherein the server receives the After the confirmation instruction from the mobile device calculates a payment amount based on the recurring payment item, and executes a fund redemption procedure to redeem the payment amount, the server is performing the fund redemption After the procedure the payment amount is transferred to a financial account corresponding to the recurring payment item. The fund redemption system according to claim 1, wherein the first image includes an identification code and a basic content layer, and the mobile device obtains the second image corresponding to the first image based on the image: the The mobile device selects one of a plurality of preselected images as the second image based on the identification code in the image, wherein the second image includes a confidential content layer corresponding to the base content layer, and the base content The layer contains a part of the contract content, the confidential content layer contains another part of the contract content. The fund redemption system of claim 1, wherein the mobile device further obtains a third image corresponding to the first image based on the image, and the third image includes a confirmation field layer for obtaining For the confirmation command, the mobile device outputs the first drawing and the third drawing to the server after obtaining the confirmation command from the confirmation field layer. The fund redemption system according to claim 3, wherein after the server receives the first picture and the third picture, the server further determines the first picture and the third picture. To confirm whether the instruction conforms to the user data, the server executes the fund redemption procedure after judging that the first image and the confirmation instruction conform to the user data. The fund redemption system of claim 1, wherein the recurring payment item includes a payment deadline, and the server completes the fund redemption procedure before the payment deadline. A fund redemption method is applicable to a fund redemption system, wherein the fund redemption system includes a database, a server, a display device and a mobile device, and the fund redemption method comprises: using the server based on a The payment instruction obtains a user data from the database, wherein the user data includes a recurring payment item; the server outputs a first picture to the display device based on the user data, wherein the first picture is associated with a contract content; display the first picture with the display device; photograph the first picture with a camera of the mobile device to obtain an image associated with the first picture; obtain a pair of images with the mobile device based on the image should be a second picture of the first picture, wherein the two pictures are related to the contract content; the second picture is superimposed on the first picture by the mobile device to present the contract content; the mobile device is used obtain and output a confirmation command corresponding to the content of the contract to the server; Calculate a payment amount based on the recurring payment item by the server, and execute a fund redemption procedure to redeem the payment amount; and transfer the payment amount to a financial institution corresponding to the recurring payment item by the server account. The fund redemption method according to claim 6, wherein the first image includes an identification code and a basic content layer, and the second image corresponding to the first image is obtained by the mobile device based on the image: Using the mobile device to select one of a plurality of preselected images as the second image based on the identification code in the image, wherein the second image includes a confidential content layer corresponding to the basic content layer, and the The base content layer contains one part of the contract content, and the secret content layer contains another part of the contract content. The method for redemption of funds according to claim 6, wherein the mobile device further obtains a third image corresponding to the first image based on the image, and the third image includes a confirmation field layer for the action The device obtains and outputs the confirmation command corresponding to the content of the contract to the server system: obtains the confirmation command from the confirmation field layer by the mobile device; and uses the mobile device to obtain the confirmation command from the first image and the file containing the confirmation command The third image is output to the server. The fund redemption method according to claim 8, wherein before executing the fund redemption procedure with the server, the fund redemption method further comprises: judging the first picture and the third picture with the server whether the confirmation instruction conforms to the user data; and after the server judges that the first image and the confirmation instruction conform to the user data, the server executes the fund redemption procedure. The fund redemption method of claim 6, wherein the recurring payment item includes a payment deadline, and the server completes the fund redemption procedure before the payment deadline.

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