TWI782889B - Fund redemption system and method thereof performing fund redemption according to payment term - Google Patents

Abstract

A fund redemption system performing fund redemption according to payment term, 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 for executing fund redemption according to payment period

The present invention relates to a fund redemption system and method for executing fund redemption according to payment deadlines, in particular to a fund redemption system and method for executing fund redemption according to payment deadlines to avoid leakage of contract content.

When the balance of the deposit account designated by the customer exceeds the flexible fund setting, the customer can use the balance flexibly according to the prior art, for example, the amount exceeding the flexible fund can be automatically purchased for monetary funds. In addition, customers can also agree to pay other fees from the designated deposit account, such as credit card fees, telecommunications fees, water fees, electricity fees, gas fees and other recurring fees. Under the existing mechanism, although customers can pay various fees by increasing the amount of the flexible deposit, if the customer forgets to adjust the amount of the flexible deposit, it will easily lead to problems such as failure to deduct money or related delay fees.

In addition, whether the customer is applying for automatic subscription of currency funds with an amount exceeding the flexible allowance, or agreeing to pay recurring fees with an amount exceeding the flexible allowance, he must first read and confirm the relevant contract content. However, if the content of the contract is presented in paper, as long as interested parties obtain the paper contract, the confidential content of the contract may be leaked; 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 leaked. Interception by hackers may also lead to leakage of confidential content.

In view of the above, the present invention provides a fund redemption system and method thereof that execute fund redemption according to the payment period to meet the above needs.

According to an embodiment of the present invention, a fund redemption system that executes fund redemption according to a payment period includes: a database storing a user profile, the user profile including a recurring payment item, wherein the recurring payment item includes a payment term; a server, connected to the database in communication, the server is used to output a first image based on the user data, wherein the first image is associated with a contract content; and a mobile device with a camera element , the imaging element is used to capture 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 Associated with the content of the contract, the mobile device overlaps the second image onto the first image to present the contract content, and the mobile device obtains a third image corresponding to the first image based on the image, and The third drawing includes a confirmation field layer, and the mobile device further obtains and outputs a confirmation instruction corresponding to the contract content through the confirmation field layer, wherein the mobile device obtains the confirmation instruction from the confirmation field layer Then output the first picture and the third picture to the server, wherein the server calculates a payment amount based on the regular payment item after receiving the confirmation instruction from the mobile device, and executes a A fund redemption program to redeem the payment amount, the server transfers the payment amount to a financial account corresponding to the regular payment item after executing the fund redemption program, and the server is before the payment deadline Complete the fund redemption procedure, wherein after the server receives the first picture and the third picture, the server further judges whether the confirmation instruction of the first picture and the third picture conforms to the User information, the server executes the fund redemption procedure after judging that the first image and the confirmation instruction conform to the user information.

According to an embodiment of the present invention, the fund redemption method for executing fund redemption according to the payment period is applicable to a fund redemption system, wherein the fund redemption system includes a database, a server, a display device and a mobile device , the fund redemption method includes: using the server to obtain a user data from the database based on a payment instruction, wherein the user data includes a recurring payment item, wherein the recurring payment item includes a payment period; using the server The device outputs a first picture to the display device based on the user data, wherein the first picture is related to a contract content; the display device displays the first picture; and a camera element of the mobile device takes a picture of the first picture a picture to obtain an image associated with the first picture; use the mobile device to obtain a second picture corresponding to the first picture based on the image, and use the mobile device to obtain a second picture corresponding to the first picture based on the image A third drawing of the drawing, wherein the second drawing is related to the contract content, and the third drawing includes a confirmation field layer; the second drawing is superimposed on the first drawing by the mobile device so as to Presenting the contract content; using the mobile device to obtain and output a confirmation command corresponding to the contract content to the server, wherein obtaining and outputting the confirmation command corresponding to the contract content to the server is: using the action The device obtains the confirmation command from the confirmation field layer; and outputs the first picture and the third picture including the confirmation command to the server by the mobile device; judges the first picture by the server and whether the confirmation instruction on the third picture matches the user information; when the server judges that the first picture and the confirmation instruction match the user information, the server calculates a payment based on the regular payment item amount, and execute a fund redemption procedure to redeem the payment amount, wherein the server completes the fund redemption procedure before the payment deadline; and uses the server to transfer the payment amount to the corresponding recurring payment item of a financial account.

In summary, according to the fund redemption system and method for executing fund redemption according to the payment period 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 also redeem it from the fund Return the required amount to cover recurring charges, avoiding failed chargebacks or associated delay charges. In addition, according to the fund redemption system and method for performing fund redemption according to the payment period shown in one or more embodiments of the present invention, when the customer needs to read and confirm the relevant contract content, no matter whether the contract is in paper or It is presented in the form of an electronic file, which can prevent the content from being intercepted by hackers, resulting in the leakage of confidential content.

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

The detailed features and advantages of the present invention are described in detail below in the implementation mode, and its content is enough to make any person familiar with the related art 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 , anyone skilled in the art can easily understand the purpose and advantages of the present invention. The following examples are to further describe the concept of the present invention in detail, but not to limit the scope of the present invention in any way.

Please refer to Figure 1 and Figure 2 together, wherein Figure 1 is a block diagram of a fund redemption system according to an embodiment of the present invention; Figure 2 is a diagram of 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 bank server; the database 20 is, for example, a bank database, which stores multiple user data and contract data; the display device 30 is, for example, a computer or other device with a display; a mobile device 40 is, for example, a smart phone, a tablet computer, etc., which has a camera element and is installed with an application program. The mobile device 40 uses the application program to connect to the server 10 to receive and transmit data.

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

The server 10 obtains user information from the database 20 based on a payment instruction, and the user information includes a regular payment item, wherein the server 10 may obtain the payment instruction from an application program of the mobile device 40, and the payment instruction is, for example, a regular payment Instructions to pay for items. In other words, after the user enters the payment instruction in the application program of the mobile device 40, the server 10 is notified that he wants to make an appointment to redeem part of the balance of the bank account or the fund purchased by him to pay for the regular payment item, wherein Recurring payment items include water bills, electricity bills, gas bills, credit card fees, insurance premiums, and settlement payments for stock purchases, etc. After the server 10 receives the payment instruction, it can subsequently determine how much to redeem according to the recurring payment items.

Step S13: Outputting the first drawing based on the user profile.

After the server 10 determines the user information, it can output a first picture, wherein the first picture 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 must first confirm whether the relevant contract content is correct, so that the bank can confirm the user Relevant operating procedures can only be executed after the requirements are correct.

Step S15: Display the first picture.

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

Step S17: Shooting the first frame to obtain an image associated with the first frame.

The imaging element of the mobile device 40 can capture the first image to obtain an image associated with the first image, and the imaging element of the mobile device 40 only needs to be aimed at the first image so that the screen of the mobile device 40 can present the complete second image. The image of a picture, that is, the image of the first picture can be static or dynamic, and 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: Obtain a second image corresponding to the first image based on the image.

After the application program of the mobile device 40 obtains the image of the first image, it selects one of the plurality of pre-selected images as the second image based on the identification code of the first image in the image. That is, the mobile device 40 will select 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: Overlay the second drawing on the first drawing to present the contract content.

After the mobile device 40 obtains the first image and the second image, the second image is superimposed on the first image to obtain the complete contract content. According to this step, the more confidential contract content (confidential content layer) can be protected by obtaining the complete contract content in a decentralized manner, so as to prevent the confidential content from being read by irrelevant 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 require 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 the confirmation instruction. The operation of this step will be explained in detail in Figure 3 below.

Step S25: Execute the fund redemption program 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 the fund redemption program to redeem funds at least equal to the payment amount, wherein the regular 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 receiving the confirmation instruction, the server 10 indicates that the user has confirmed that the regular fee will be paid with the flexible funds of the specified deposit account, and the server 10 can pay the regular fee if the flexible fund is not enough to pay the regular fee. , Redeem part or all of the funds from monetary funds, etc., to avoid problems such as delays related to derivatives due to insufficient flexible funds.

Step S27: Transfer the payment amount to the financial account corresponding to the regular 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 item, so as to pay for the recurring payment item. In other words, if the regular payment items include water charges and electricity charges, the server 10 transfers the payment amount to organizations such as water supply companies and electric power companies to pay for these regular payment items.

Accordingly, users can flexibly use their funds and deposits, and pay due bills on schedule. 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 preventing the leakage of confidential information.

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

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

Step S2301: Obtain a confirmation instruction from the confirmation column layer.

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

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

Step S2305: Determine whether the confirmation instructions on the first screen and the third screen conform to the user profile.

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

When the server 10 judges that the confirmation instructions on the first screen and the third screen conform to the user information, the server 10 may proceed to step S25: execute the fund redemption procedure to redeem the payment amount.

Conversely, when the server 10 determines that the confirmation instruction on the first screen or the third screen does not match the user information, the server 10 may execute step S2307: output a notification or step S2309: output another third screen.

In detail, when the server 10 judges that the first picture does not match the user information, which means that the mobile device 40 transmits a wrong picture, the server 10 may execute step S2307 to output a notification to the mobile device 40 to notify the user Drawing error.

If the server 10 judges that the confirmation instruction on the third image does not match the user information, the server 10 may execute step S2309 to output another third image to the mobile device 40 to request the confirmation instruction again.

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

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

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

In detail, the image captured by the imaging device of the mobile device 40 is the first frame F1, and the server 10 can subsequently determine whether the first frame F1 is an output frame based on the identification code IF.

The basic content layer A1 is preferably the contract content without confidential information as shown in FIG. 4A , so even if the content shown in the first drawing F1 is read by interested parties, it will not cause leakage of confidential information.

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

The mobile device 40 selects one of the multiple pre-selected pictures as the second picture F2 based on the identification code IF, that is, the mobile device 40 selects a picture with the same identification code IF from the multiple pictures as the second picture F2, where the identification code IF shown in the second drawing F2 is only an example, the mobile device 40 can also search for the drawing with the identification code IF in the lower right corner and use it as the second drawing F2, the present invention is not applicable to mobile devices 40 Search for the basis of the second drawing F2 and limit it.

The second drawing F2 has a more 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 in the user profile, the unified number of the ID card, and the contact number 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 example diagram of the third drawing according to an embodiment of the present invention.

It should be noted that, for ease of understanding, the second drawing F2 and the third drawing F3 shown in Figure 4B and Figure 4C are described separately, but in actual operation, the second drawing F2 and the third drawing 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 that of 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 can be located in other positions of the third drawing F3, and the present invention does not limit the setting position and setting quantity of the confirmation column layer CC of the third drawing F3.

The third drawing F3 shown in FIG. 4C has a confirmation column layer CC. The confirmation column layer CC is preferably used to obtain a user's confirmation instruction 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. internal feature recognition, voiceprint 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 combining the first drawing, the second drawing and the third drawing according to an embodiment of the present invention.

Specifically, after the mobile device 40 receives the first drawing F1, the second drawing F2, and the third drawing F3, the mobile device 40 preferably overlaps the three drawings so that the mobile device 40 can combine them together. The identification code IF, the basic content layer A1 , the confidential content layer A2 and the confirmation column layer CC are presented to present the complete contract content as shown in FIG. 4D . Accordingly, not only can the content of the contract be obtained in a decentralized manner to avoid leakage of confidential information, but also the user can still read the complete content of the contract, 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 more secure way.

In summary, according to the fund redemption system and method for executing fund redemption according to the payment period 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 also redeem it from the fund Return the required amount to cover recurring charges, avoiding failed chargebacks or associated delay charges. In addition, according to the fund redemption system and method for performing fund redemption according to the payment period shown in one or more embodiments of the present invention, when the customer needs to read and confirm the relevant contract content, no matter whether the contract is in paper or It is presented in the form of an electronic file, which can prevent the content from being intercepted by hackers, resulting in the leakage of confidential content.

Although the present invention is disclosed by the aforementioned embodiments, they are not intended to limit the present invention. Without departing from the spirit and scope of the present invention, all changes and modifications are within the scope of patent protection of the present invention. For the scope of protection defined by the present invention, please refer to the appended scope of patent application.

10:Server 20: Database 30: Display device 40: Mobile Devices F1: the first drawing F2: the second drawing F3: The third drawing A1: Basic 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 fund redemption method 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 example diagram of a first drawing according to an embodiment of the present invention. FIG. 4B is an exemplary diagram of a second drawing according to an embodiment of the present invention. FIG. 4C is an exemplary diagram of the third plane according to an embodiment of the present invention. FIG. 4D is an example diagram of merging the first drawing, the second drawing and the third drawing according to an embodiment of the present invention.

10:Server

20: Database

30: Display device

40: Mobile Devices

Claims (8)

A fund redemption system for executing fund redemption according to a payment term, comprising: a database storing a user data, the user data including a recurring payment item, wherein the recurring payment item includes a payment term; a server, Communication is connected to the database, and the server is used to output a first drawing based on the user data, wherein the first drawing is related to a contract content; a display device is connected to the server in communication, and the display device is used for displaying the first picture; and a mobile device having a camera element for shooting the first picture to obtain an image associated with the first picture, and the mobile device obtains a corresponding image based on the image A second drawing should be a second drawing of the first drawing, wherein the second drawing is related to the content of the contract, and the mobile device overlaps the second drawing on the first drawing to present the contract content, and the mobile device is further based on The image obtains a third image corresponding to the first image, and the third image includes a confirmation field layer, and the mobile device further obtains and outputs a confirmation command corresponding to the contract content through the confirmation field layer , wherein the mobile device outputs the first image and the third image to the server after obtaining the confirmation instruction from the confirmation field layer, wherein the server receives the confirmation from the mobile device After the instruction, a payment amount is calculated based on the regular payment item, and a fund redemption procedure is executed to redeem the payment amount, and the server transfers the payment amount to the corresponding regular payment amount after executing the fund redemption procedure. A financial account for a payment item, and the server completes the fund redemption procedure before the payment deadline, wherein after the server receives the first picture and the third picture, the server further judges that the Whether the confirmation instruction on the first image and the third image conforms to the user information, the server executes the fund redemption procedure after judging that the first image and the confirmation instruction conform to the user information. The fund redemption system for executing fund redemption according to the payment deadline as described in claim 1, wherein the first picture includes an identification code and a basic content layer, and the mobile device obtains the image corresponding to the first picture based on the image The second image is: the mobile device selects one of a plurality of pre-selected images as the second image based on the identification code in the image, wherein the second image includes a secret corresponding to the base content layer A content layer, and the basic content layer includes a part of the contract content, and the confidential content layer includes another part of the contract content. The fund redemption system for performing fund redemption according to the payment period as described in Claim 1, wherein the mobile device selects one of a plurality of pre-selected pictures as the third picture according to the identification code. The fund redemption system for executing fund redemption according to the payment deadline as described in Claim 1, wherein the user information further includes a pre-stored account password of a user, a pre-stored name and a signature of the user. A fund redemption method for executing fund redemption according to a payment period, applicable to a fund redemption system, wherein the fund redemption system includes a database, a server, a display device and a mobile device, the fund redemption method Including: using the server to obtain a user data from the database based on a payment instruction, wherein the user data includes a recurring payment item, wherein the recurring payment item includes a payment period; using the server to output based on the user data A first picture to the display device, wherein the first picture is related to a contract content; displaying the first picture with the display device; taking a picture of the first picture with a camera element of the mobile device to obtain the association an image on the first image; using the mobile device to obtain a second image corresponding to the first image based on the image, and using the mobile device to obtain a third image corresponding to the first image based on the image Drawings, wherein the two drawings are related to the contract content, the third drawing includes a confirmation column layer; the second drawing is superimposed on the first drawing by the mobile device to present the contract content; The mobile device obtains and outputs a confirmation command corresponding to the contract content to the server, wherein the mobile device obtains and outputs the confirmation command corresponding to the contract content to the server: using the mobile device from the confirmation field The layer obtains the confirmation command; and outputs the first picture and the third picture including the confirmation command to the server by the mobile device; judges the first picture and the third picture by the server Whether the confirmation instruction conforms to the user information; when the server judges that the first image and the confirmation instruction conform to the user information, the server calculates a payment amount based on the recurring payment item, and executes a fund A redemption procedure is used to redeem the payment amount, wherein the server completes the fund redemption procedure before the payment deadline; and the server transfers the payment amount to a financial account corresponding to the regular payment item. The fund redemption method according to the payment deadline as described in claim 5, wherein the first picture contains an identification code and a basic content layer, and the mobile device obtains the corresponding first picture based on the image The second image is: using the mobile device to select one of a plurality of pre-selected images as the second image based on the identification code in the image, wherein the second image includes the corresponding base content layer A confidential content layer, and the basic content layer contains a part of the contract content, and the confidential content layer contains another part of the contract content. The fund redemption method according to the payment deadline as described in claim 5, wherein the mobile device obtains the third picture corresponding to the first picture based on the image: the mobile device according to the identification The code selects one of a plurality of pre-selected graphics as the third graphics. The fund redemption method according to the payment deadline as described in claim 5, wherein the user information further includes a pre-stored account password of a user, a pre-stored name and a signature of the user.

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