TWI787573B - System and method for inter-agency fund transfer by electronic branch - Google Patents

Abstract

A system and method for inter-agency fund transfer by electronic branch. An inter-agency transfer server is used to conduct account transfer transactions between the server of the transfer-out organization and the server of the transfer-in organization. The server of the transfer-out organization sends a transaction information to a After the institution transfers the server, the inter-institution transfer server will send the transfer-in account number in the transaction information to the transfer-in institution server for confirmation. If the confirmation is correct, the inter-institution transfer server will transfer the transaction information to the account The actions of transfer and liquidation. Since the transfer-in account number will be sent to the server of the transfer-in organization for confirmation before the account transfer, it can avoid the problem of finding the transfer-in account error when the funds are allocated, requiring re-clearing and reversing the account.

Description

System and method for inter-agency fund transfer by electronic branch

The present invention relates to a new type of cash flow structure, in particular to a system and method for transferring funds between institutions by electricity.

Press, with the increasing popularity of smart phones, the use of mobile payment, electronic payment and other methods for transactions allows consumers to go out with only their mobile phones, saving the burden of carrying wallets, change, multiple credit cards, etc. The domestic mobile payment industry, such as electronic tickets, electronic payment, and third-party payment operators, are all competing to enter the market. Due to the strong brand advantages of international payment operators, as well as the large number of competitors in the market, different specifications, scattered investment resources, and the need to cooperate with Merchants and banks intervene in multiple ways, resulting in high introduction costs for operators and merchants, and the low penetration rate of the market and merchants.

The current electronic payment industry cannot communicate with multiple banks through the existing domestic bank connection platform. They all conduct transactions through direct connection, providing electronic payment accounts linked to the user's deposit account for value storage, deduction and withdrawal of actual transactions, etc. For example, Jiekou Payment has been directly connected with 17 financial institutions. Since the current transfer mechanism is to directly transfer the account to the transfer institution, and at the same time perform account settlement, if the transfer institution checks and finds that the transfer account is wrong, it needs to re-clear the account and reverse the account, which is likely to cause errors in the account .

In view of this, the present invention proposes a system and method for inter-agency transfer of electronic funds to improve the security and efficiency of electronic payment, so as to effectively solve the above-mentioned problems. The specific structure and implementation methods will be described in detail below:

The main purpose of the present invention is to provide a system and method for inter-institutional transfer of electronic funds, which utilizes an inter-institution transfer server to connect the electronic branch institutions or banking institutions at both ends, so that the electronic branch institutions can transfer funds through inter-institutional transfers. Connect to the server to exchange transaction information in real time, solving the problem that in the past, the signing of the branch office can only be one-to-one, and through the inter-agency transfer server, it can be one-to-many. Institutions sign contracts at the same time, saving time and effort, and allowing users to have more choices when trading.

Another object of the present invention is to provide a system and method for inter-agency transfer of electronic funds, which will first send the transfer-in account number to the server of the transfer-in institution for confirmation before transferring the account, and after confirmation, the inter-agency transfer Only when the server is connected to the appropriation and clearing action, it can avoid the problem that the transfer account is found to be wrong when the appropriation is made, and the problem of needing to be re-cleared and reversed.

Another object of the present invention is to provide a system and method for inter-agency transfer of electronic branches, which not only achieves inter-agency transfer of electronic branches through the inter-agency transfer server, but also provides a clearing mechanism so that the front-end electronic branch Real-time exchange of transaction information, fast settlement of back-end funds, unified management through inter-institutional transfer servers, to reduce the cost of many-to-many intermediation of electronic branches, and enhance the efficiency of inter-institutional transaction processing and clearing.

In order to achieve the above purpose, the present invention provides a system for transferring funds between institutions, including: a client sending device, wherein a first payment application is installed, and the first payment application is used to When using the program to transfer funds, the first payment application sends a transaction information, which includes a transfer-in account number and a transfer amount; a server of the transfer-out institution is connected to the client's sending device to receive the transaction information and send it Outgoing; an inter-institutional transfer server, the signal is connected to the transfer-out institutional server, and the transaction information is received and forwarded; a transfer-in institutional server, the signal is connected to the inter-institutional transfer server, wherein the inter-institutional transfer The server first sends the transfer-in account number to the server of the transfer-in institution for confirmation. If the transfer-in account number is correct, the inter-institution transfer server performs account transfer and settlement based on the transaction information. Sending a transfer result notification to the transfer-out organization server and sending a credit-in notification to the transfer-in organization server; and a client receiving end device, connected to the transfer-in organization server by signal, to receive the account transfer notification.

According to an embodiment of the present invention, a second payment application is further installed in the receiving end device of the client, so as to use the second payment application to receive the account entry notification. The first payment application is an electronic payment application or an online banking application, and the second payment application is an electronic payment application.

According to an embodiment of the present invention, the transfer-out mechanism server is a first electric branch mechanism server, the transfer-in mechanism server is a second electric branch mechanism server, and the inter-mechanism transfer server further includes a A cross-electric branch module, a first electric branch gateway module, a second electric branch gateway module and a cross-bank platform, the first and second electric branch gateway modules correspond to the first and second The server of the electric branch mechanism, the cross-wire branch module is connected to the first and second electric branch server and the first and second electric branch gateway modules respectively, and the cross-bank platform is connected to the first and second Electrical branch gateway module.

Continuing from the above, the cross-electricity branch module in the cross-institution transfer server receives the transaction information sent by the transfer-out institution server, and sends the transfer-in account number to the transfer-in institution server for confirmation , when the transfer-in organization server confirms the transfer-in account, the cross-electricity branch module will transfer the The transaction information is sent to the first branch gateway module, and the transaction information is sent to the second branch gateway module through the cross-bank platform for account transfer and settlement. After the transfer is completed, Utilizing the cross-electricity branch module to send the transfer result notification to the transfer-out organization server and send the account-in notification to the transfer-in organization server.

According to an embodiment of the present invention, the transfer-out institution server is a bank server, the transfer-in institution server is an electrical branch institution server, and the inter-institution transfer server further includes an inter-office branch module, An electric branch gateway module and an interbank platform, the electric branch gateway module corresponds to the electric branch institution server, and the electric branch branch module is respectively connected to the electric branch institution server and the electric branch gateway module , the cross-bank platform is connected to the electric branch gateway module and the bank server.

Continuing from the above, after the inter-bank platform in the inter-institution transfer server receives the transaction information sent by the transfer-out institution server, it transmits the transaction information to the inter-electric branch module through the electronic branch gateway module, The transfer-in account number in the transaction information is sent to the transfer-in organization server for confirmation. After the transfer-in organization server confirms the transfer-in account number, the cross-telephone branch module then passes the transaction information through the The branch gateway module is sent to the inter-bank platform for account transfer and settlement. After the transfer is completed, the inter-bank platform sends the transfer result notification to the transfer-out institution server and sends the account-in notification to the Transfer to agency server.

According to an embodiment of the present invention, the first payment application is provided by the transfer-out organization server, and the second payment application is provided by the transfer-in organization server.

The present invention also provides a method for inter-agency fund transfer by electric branch, which includes the following steps: a client sending terminal device uses a first payment application program to transfer funds between a client receiving terminal device, and the first payment application program transmits a transaction information to a transfer-out institution server, including a transfer-in account number and a transfer amount; the transfer-out institution server sends the transaction information to an inter-institution transfer The inter-institution transfer server sends the transfer-in account number in the transaction information to a transfer-in institution server for confirmation; Actions of transfer and liquidation.

10: client sending device

102:The first payment app

12: Transfer out of the institutional server

14: Inter-agency transfer server

142: Cross-electric branch module

144:Electric branch gateway module, first electric branch gateway module

146:Interbank platform

148:Second electric branch gateway module

16:Transfer to institutional server

18: client receiving device

182: Second payment application

Figure 1 is a block diagram of the system of the present invention for transferring funds between institutions by electronic payment.

Figure 2 is a flow chart of the method for transferring funds between institutions by electricity in accordance with the present invention.

Fig. 3 is a system architecture diagram when the transfer-out institution server is the server of the first electric branch institution in the electronic branch inter-agency transfer system of the present invention.

Fig. 4 is a flow chart of Fig. 3 embodiment.

Fig. 5 is a system architecture diagram when the transfer-out institution server is a bank server in the system of electronic branch inter-institutional transfer of the present invention.

Fig. 6 is a flow chart of Fig. 5 embodiment.

The present invention provides a system and method for inter-agency transfer by electric branch, please refer to Figure 1, which is a block diagram of the system for inter-agency transfer by electric branch of the present invention, including a client sending end device 10, a transfer-out mechanism servo Device 12, a cross-organization transfer server 14, a transfer-in mechanism server 16, and a client receiving end device 18, the cross-organization transfer server 14 connects the servers at both ends, and the two ends can be multiple electrical branches respectively Institutional server, or one end is a bank server and the other end is an electronic branch server, the client sending end device 10 and the client receiving end device 18 are electronic devices such as a smart phone or a tablet computer that can operate transactions online, and the client The user of the sender device 10 wants to choose to use the payment application program provided by the transfer institution server 12, such as an electronic payment application program or an online banking application The program performs a transfer transaction with the client receiving end device 18, and transfers the money to another electronic branch institution across institutions, that is, to the institution server 16.

A first payment application program 102 is installed in the client sending terminal device 10, which is provided by the transfer institution server 12, and is an electronic payment application program or an online banking application program, and a second payment application program is installed in the client receiving terminal device 18. The application 182, which is provided by the transfer institution server 16, is an electronic payment application. When the client sender device 10 uses the first payment application 102 to transfer funds, the first payment application 102 sends a transaction information, which includes a transfer-in account number, a transfer amount, and the name or code of the second payment application; The transfer-out institution server 12 is connected to the client sending end device 10 through a wireless network signal, receives transaction information and forwards it to the inter-institution transfer server 14; the inter-institution transfer server 14 and the transfer-out institution server 12 and transfer-in Institutional server 16 signal connection is a third-party, impartial intermediary platform, which is used to connect and forward messages between multiple branch office servers, and perform account transfer and real-time settlement according to the transfer amount; The transfer-in institution server 16, the inter-institution transfer server 14 and the client receiving end device 18 are used to receive the transaction information and confirm whether the transfer-in account is correct, and if it is correct, transfer the funds allocated by the inter-institution transfer server 14 The amount is credited.

The further specific process is shown in Figure 2. In step S10, when the client sending device uses the first payment application to transfer funds between the client receiving device, especially when transferring funds, the first payment application will transfer the transaction The information is sent to a transfer-out institution server, and the transaction information includes a transfer-in account number and a transfer amount; then in step S12, the transfer-out institution server is a bank server or a first electric branch institution server, and transfers the transaction The information is sent to the inter-institution transfer server; in step S14, the inter-institution transfer server sends the transfer-in account number in the transaction information to a transfer-in institution server for confirmation, and the transfer-in institution server is a second e-mail account Branch server; Step S16 transfers to After the institutional server receives the transaction information and the transfer amount, it first confirms the correctness of the transfer-in account, such as verifying that the transfer-in account does exist, and if the result is correct, the inter-institutional transfer server will then perform accounting based on the transaction information Actions of transfer and liquidation.

When the account transfer is completed, the inter-institution transfer server sends a transfer result notification to the transfer-out institution server and an account-in notification to the transfer-in institution server, and the transfer-out institution server then sends the transfer result notification Give the sending device to the client to let the payer know that the transfer has been successful. In addition, the server of the transferring institution will also send an account notification to the receiving device of the client to let the payee know that the money has been credited.

Figure 3 is a system architecture diagram when the transfer-out institution server is the server of the first electric branch organization in the system of electronic branch inter-agency transfer of the present invention, so it is a transfer transaction between electronic branch institutions and electronic branch institutions. The inter-agency transfer server 14 further includes a cross-electric branch module 142, a first electric branch gateway module 144, a second electric branch gateway module 148, and a cross-bank platform 146. Group 142 is respectively connected to the transfer-out institution server 12 and the transfer-in institution server 16 for sending and receiving the information of the transfer-out institution server 12 and the transfer-in institution server 16, and the cross-bank platform 146 is connected to the first and second electrical branches The gateway modules 144 and 148 are used for account transfer and settlement.

In the inter-agency transfer server, there are multiple electric branch gateway modules corresponding to each electric branch institution or bank, and in this embodiment, the first electric branch gateway module 144 and the second electric branch gate The channel modules 148 correspond to the transfer-out mechanism server 12 and the transfer-in mechanism server 16 respectively.

Please refer to Fig. 4 at the same time, which is a flowchart of the embodiment in Fig. 3 . As described in step S20, when the client sending terminal device uses the first payment application program to transfer funds between the client receiving terminal device, especially when transferring funds, the first payment application program will send the transaction information to a transfer-out institution server , the transaction information includes a transfer-in account number and a transfer amount; step S22, the transfer-out institution serves The server sends the transaction information to an inter-institution transfer server; in step S24, the inter-institution transfer server uses an inter-institution transfer module to receive the transaction information sent by the transfer-out institution server, and transfers the transaction information to the transfer-in institution server. The account number is sent to the server of the transferring organization for confirmation; after step S26 is confirmed, the cross-electric branch module sends the transaction information to the first electric branch gateway module; then in step S28, the first electric branch gateway module sends The transaction information is sent to the second electronic branch gateway module through the inter-bank platform for account transfer and settlement; finally, as described in step S29, the transfer result notification is sent to the server of the transfer institution by the cross-electronic branch module And send the credit notification to the server of the transfer institution.

If in step S24, the transfer-in institution server fails to confirm the transfer-in account, the failure message will be sent directly to the transfer-out institution server through the cross-electric branch module, and will not be sent down to the first electric branch gateway module, the second branch gateway module and the cross-bank platform will not be recorded in the account clearing.

Fig. 5 is a system architecture diagram when the transfer-out institution server is a bank server in the system of electronic branch inter-institutional transfer of the present invention, so it is a transfer transaction between the bank and the electronic branch institution. The inter-agency transfer server 14 further includes a cross-electric branch module 142, an electric branch gateway module 144 and a cross-bank platform 146, and the cross-electric branch module 142 is respectively connected to the electric branch gateway module 144 and the transfer Incoming institution server 16 is used to send the information of the receiving branch gateway module 144 and the incoming institution server 16, and the cross-bank platform 146 is connected to the transferring institution server 12 and the electric branch gateway module 144 for performing Account transfer and settlement.

Please refer to Fig. 6 at the same time, which is a flowchart of the embodiment in Fig. 5 . As described in step S30, when the client sending terminal device uses the first payment application program to transfer funds between the client receiving terminal device, especially when transferring funds, the first payment application program will send the transaction information to a transfer-out institution server , the transaction information includes a transfer-in account number and a transfer amount; step S32, the transfer-out institution server sends the transaction information to the inter-institution transfer server; in step S34, the inter-bank platform in the inter-institution transfer server receives the transaction After the information is transferred, the corresponding branch gateway module transferred to the organization server will The transaction information is sent to the cross-electric branch module; step S36, the cross-electric branch module sends the transfer-in account number to the server of the transfer-in institution for confirmation; then as in step S38, the cross-electric branch module passes the transaction information through the electric branch gate The channel module sends it to the cross-bank platform for account transfer and settlement. Finally, in step S39, the cross-bank platform sends the transfer result notification to the server of the transfer-out institution, and at the same time, the cross-telephone branch module sends an account entry notification to the transfer into the agency server.

If in step S36, if the transfer-in institution server confirms that the transfer-in account fails, then send a failure message, and send it to the transfer-out institution server through the cross-electric branch module, the electric branch gateway module and the cross-bank platform, and This failure process is not recorded in the accounting clearing.

To sum up, the present invention provides a system and method for inter-agency transfer of electronic funds, which utilizes a multi-institutional transfer server to connect multiple electronic branch institutions at both ends of payment and collection, so that the payer and the receiver The transfer between the payers can be carried out through the payment application provided by the branch or banking institution, and before the account is transferred, the transfer-in account number will be sent to the server of the transfer-in institution for confirmation. After confirmation, The transfer of funds and settlements will only be performed when the inter-agency transfer server is used, which can avoid the problem of finding the transfer account error when the funds are transferred, and the need to re-clear and reverse the account, so as to improve the collection efficiency of the payee and make account management more convenient.

The above descriptions are only preferred embodiments of the present invention, and are not intended to limit the scope of the present invention. Therefore, all equivalent changes or modifications based on the features and spirit described in the scope of the application of the present invention shall be included in the scope of the patent application of the present invention.

10: client sending device

102:The first payment app

12: Transfer out of the institutional server

14: Inter-agency transfer server

16:Transfer to institutional server

18: client receiving device

182: Second payment application

Claims (18)

A system for inter-agency fund transfer by electronic branch, comprising: a client sending device, in which a first payment application is installed, and when the first payment application is used to transfer funds, the first payment application transmits a transaction information, wherein Including a transfer-in account number and a transfer amount; a transfer-out institution server, which is connected to the client's sending device by signal, receives the transaction information and sends it out; an inter-institutional transfer server, which is signal-connected to the transfer-out institution server , receive the transaction information and then forward it; once transferred to the institutional server, the signal is connected to the inter-institution transfer server, wherein the inter-institution transfer server first sends the transfer-in account number to the transfer-in institution server for confirmation , if the transfer-in account number is correct, then the inter-institution transfer server will transfer and clear the account according to the transaction information, and then send a transfer result notification to the transfer-out institution server and send an account entry notification to the server of the transfer-in organization; and a client receiving device, connected to the server of the transfer-in organization with a signal, to receive the account entry notification. The system for inter-agency fund transfer by electronic payment as described in claim item 1, wherein a second payment application is further installed in the receiving end device of the client, so as to use the second payment application to receive the account entry notification, and the second The payment application is provided by the server of the transferring institution. The system for inter-agency fund transfer by electronic payment as described in claim 2, wherein the transaction information further includes the name or code of the second payment application. The system for inter-agency fund transfer by electronic payment as described in claim 2, wherein the first payment application program is an electronic payment application program or an online banking application program, and the second payment application program is an electronic payment application program. The system for inter-agency transfer between electronic branches as described in claim 1, wherein the transfer-out institution server is a first electric branch institution server, the transfer-in institution server is a second electric branch institution server, and The inter-agency transfer server further includes a cross-electric branch module, a first electric branch gateway module, a second electric branch gateway module and a cross-bank platform. The first and second electric branch gateways The modules are respectively corresponding to the first and second electric branch servers, and the cross-electric branch modules are respectively connected to the first and second electric branch server and the first and second electric branch gateway modules, The cross-bank platform is connected to the first and second electric branch gateway modules. The system for inter-agency transfer by electronic branch as described in claim item 5, wherein the cross-telephone branch module in the inter-institution transfer server receives the transaction information sent by the server of the transfer-out institution, and transfers the transaction information The transfer-in account number is sent to the transfer-in organization server for confirmation, and after the transfer-in organization server confirms the transfer-in account number, the cross-telephone branch module sends the transaction information to the first electric branch gateway module Group, transmits the transaction information to the second electronic branch gateway module through the cross-bank platform to perform account transfer and settlement actions, and when the transfer is completed, use the cross-telephone branch module to send the transfer result notification To the server of the transfer-out organization and sending the notification of crediting to the server of the transfer-in organization. The system for inter-agency transfer by electronic branch as described in claim 1, wherein the transfer-out institution server is a bank server, the transfer-in institution server is an electric branch institution server, and the inter-institution transfer server It further includes a cross-electricity branch module, an electric branch gateway module and a cross-bank platform, the electric branch gateway module corresponds to the server of the electric branch institution, and the cross-electricity branch module is respectively connected The branch server and the electronic branch gateway module, the cross-bank platform connects the electronic branch gateway module and the bank server. The system for inter-agency fund transfer by electronic branch as described in claim item 7, wherein the inter-bank platform in the inter-institution transfer server receives the transaction information sent by the server of the transfer-out institution, and passes through the electronic branch gateway The module sends the transaction information to the cross-telephone branch module, so as to send the transfer-in account in the transaction information to the server of the transfer-in institution for confirmation. After the transfer-in institution server confirms the transfer-in account , the cross-wire branch module then transmits the transaction information to the cross-bank platform through the electric-branch gateway module to perform account transfer and settlement actions. When the transfer is completed, the cross-bank platform sends a notification of the transfer result To the server of the transfer-out organization and sending the notification of crediting to the server of the transfer-in organization. The system for inter-agency fund transfer by electronic payment as described in Claim 1, wherein the first payment application program is provided by the server of the transfer-out institution. A method for inter-agency fund transfer by electronic branch, comprising the following steps: a client sending terminal device uses a first payment application program to transfer funds between a client receiving terminal device, and the first payment application program sends a transaction information to a transfer terminal device Outgoing institution server, including a transfer-in account number and a transfer amount; the transfer-out institution server sends the transaction information to an inter-institution transfer server; the inter-institution transfer server transfers the transaction information The incoming account number is sent to a transfer-in organization server for confirmation; and after the confirmation is completed, the inter-institution transfer server performs account transfer and settlement actions based on the transaction information. The method for inter-agency transfer by electronic payment as described in claim item 10, wherein a second payment application is further installed in the receiving terminal device of the client, so as to use the second payment application to receive the account entry notification, and the second The payment application is provided by the server of the transferring institution. The method for inter-agency fund transfer by electronic payment as described in claim item 11, wherein the transaction information further includes the name or code of the second payment application. The method for inter-agency fund transfer by electronic payment as described in claim 11, wherein the first payment application is an electronic payment application or an online banking application, and the second payment application is an electronic payment application. The method for transferring funds between electronic branches as described in claim item 10, wherein the transfer-out institution server is a first electric branch institution server, the transfer-in institution server is a second electric branch institution server, and The inter-agency transfer server further includes a cross-electric branch module, a first electric branch gateway module, a second electric branch gateway module and a cross-bank platform. The first and second electric branch gateways The modules are respectively corresponding to the first and second electric branch servers, and the cross-electric branch modules are respectively connected to the first and second electric branch server and the first and second electric branch gateway modules, The cross-bank platform is connected to the first and second electric branch gateway modules. The method for inter-agency transfer of electronic funds as described in claim 14, wherein the inter-institution module in the inter-agency transfer server receives the transaction information sent by the server of the transfer-out institution, and transfers the transaction information The transfer-in account number is sent to the transfer-in organization server for confirmation, and after the transfer-in organization server confirms the transfer-in account number, the cross-telephone branch module sends the transaction information to the first electric branch gateway module The group sends the transaction information to the second branch gateway module through the cross-bank platform for account transfer and settlement. After the transfer is completed, use the cross-power branch The group sends the transfer result notification to the transfer-out organization server and sends the account-in notification to the transfer-in organization server. The method for inter-agency transfer by electronic branch as described in claim item 10, wherein the transfer-out institution server is a bank server, the transfer-in institution server is an electric branch institution server, and the inter-institution transfer server It further includes a cross-electric branch module, an electric branch gateway module and a cross-bank platform, the electric branch gateway module corresponds to the server of the electric branch organization, and the cross-electric branch module is connected to the electric branch institution The server and the electric branch gateway module, the cross-bank platform connects the electric branch gateway module and the bank server. The method for inter-institution transfer by electronic branch as described in claim 16, wherein the inter-bank platform in the inter-institutional transfer server receives the transaction information sent by the server of the transfer-out institution, and passes through the electronic branch gateway The module sends the transaction information to the cross-telephone branch module, so as to send the transfer-in account in the transaction information to the server of the transfer-in institution for confirmation. After the transfer-in institution server confirms the transfer-in account , the cross-wire branch module then transmits the transaction information to the cross-bank platform through the electric-branch gateway module to perform account transfer and settlement actions. When the transfer is completed, the cross-bank platform sends a notification of the transfer result To the server of the transfer-out organization and sending the notification of crediting to the server of the transfer-in organization. The method for inter-agency fund transfer by electronic payment as described in claim 10, wherein the first payment application program is provided by the server of the transfer-out institution.

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