TWI788899B - Funds transfer system - Google Patents

Abstract

A funds transfer system comprises an input device, a first verification device, a second verification device, an authorization confirmation device and a funds transfer execution device. The input device is configured to obtain a funds transfer request, specified payer information and specified payee information. The first verification device determines whether the specified payee information conforms to one of predesignated payee information corresponding to the specified payer information, and if so, generates an execution instruction based on the conforming predesignated payee information and the funds transfer request, otherwise triggers the second verification to determine the user information conforming to the specified payer information and accordingly output an authorization request. When determining that the corresponding authorization reply indicates agreement, the authorization confirmation device generates an execution instruction based on the conforming user information and the funds transfer request when the authorization reply indicates agreement. The funds transfer execution device performs funds transfer based on the execution instruction.

Description

money transfer system

The present invention relates to a money transfer system, in particular to a money transfer system including a verification device.

In daily life, there is often a need to transfer money to other people's accounts, such as online shopping, rent payment, etc. These money transfers are usually performed by the payer filling in the payee's bank account information (such as account number) in the application form or entering the account information through the bank's automatic teller machine for transfer. In addition, when the user wants to deposit into his own account, he also needs to fill in his own account information at the bank counter, or input it into an automatic teller machine for depositing.

However, in the process of filling out the form or entering the machine, there are often situations of filling or input errors, which lead to the situation of mistakenly remitting or depositing money to other people's accounts. Even without the account holder's knowledge, the account is used by someone with intentions as a fake account for fraud or money laundering.

In view of the above, the present invention provides a money transfer system.

A money transfer system according to an embodiment of the present invention includes an input device, a first verification device, a second verification device, an authorization confirmation device and a money transfer execution device. The input device is used for obtaining money transfer request, designated payer information and designated payee information. The first verification device is connected to the input device and includes a first database and a first processor connected to each other. Wherein, the first database stores a plurality of agreed payee information corresponding to the specified payer information, and the first processor is used to determine whether the specified payee information matches one of the plurality of agreed payee information, and if so Then, an execution instruction is generated according to the above and the money transfer request, and if not, a re-verification instruction is generated. The second verification device is connected to the first verification device for receiving re-verification instructions, and includes a second database, a second processor and a wireless transceiver, wherein the second processor is connected to the second database and the wireless transceiver. The second database stores a plurality of user information. The second processor is configured to be triggered by the re-authentication instruction to generate and output an authorization request according to the conformant and the money transfer requirement when it is judged that the plurality of user information includes a conformant conforming to the specified payee information. The authorization confirmation device is connected to the second verification device, and is used to receive the authorization response corresponding to the authorization request according to the notification of the second verification device, and when the authorization response indicates that the payment transfer request is agreed, according to the aforementioned user information and payment transfer request Generate execution instructions. The money transfer execution device is connected to the first verification device and the authorization confirmation device, and is used to transfer money according to the execution instruction.

With the above-mentioned structure, the money transfer system disclosed in this case can first perform comparison calculations with a data set with a small amount of data, so as to reduce the calculation load of the system. The money transfer system disclosed in this case can improve the security of system processing through the communication and verification procedures of multiple devices by asking the payee's device whether to agree to the money transfer request. In addition, it is also possible to avoid the situation where the payer makes a wrong remittance or deposit, or remits money to the head account.

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 FIG. 1 , which is a functional block diagram of a payment transfer system according to an embodiment of the present invention. The money transfer system 1 shown in Figure 1 is used to execute a financial transaction between a payer and a payee, and the present invention does not limit the payer and the payee to be the same person or different people, nor does it limit the payer to be Humans or artificial intelligence. The money transfer system 1 includes an input device 11, a first verification device 13, a second verification device 15, a money transfer execution device 17 and an authorization confirmation device 19, wherein the first verification device 13 can be connected to the input device 11 in a wireless or wired manner And the second verification device 15, the authorization confirmation device 19 can be connected to the second verification device 15 in a wireless or wired manner, and the money transfer execution device 17 can be connected to the first verification device 13 and the authorization confirmation device 19 in a wireless or wired manner. In addition, in this embodiment, the second verification device 15 and the authorization verification device 19 of the money transfer system 1 can communicate with the payee device 2 wirelessly, and the details will be described later.

The input device 11 is used for obtaining money transfer request, designated payer information and designated payee information. Here, the money transfer request indicates a request to transfer a specific amount of money to a specific payee's account, such as a remittance request or a deposit request. The input device 11 can be a touch screen or buttons of an automatic teller machine, and can also be an input component of a payer's user device, such as a touch screen of a mobile phone, a mouse and keyboard of a computer, a microphone, and the like.

The first verification device 13 is used for performing a first-level verification procedure on the designated payee information obtained by the input device 11 . The first verification device 13 includes a first database 131 and a first processor 133, both of which are connected to each other through wireless or wired means. The first database 131 can be flash memory, read-only memory, magnetic memory or other non-volatile storage media, and can be set on the same hardware device (such as a computer host) with the first processor 133, or set For a hard disk (such as cloud hard disk) that is remote to the first processor 133 . The first database 131 stores one or more agreed payee groups, each set of agreed payee groups corresponds to a payer. Further, the registration device (not shown) of the money transfer system 1 or other registration systems connected to the money transfer system 1 can receive the registration application of the bank user, and will use one or more commonly used or preferred bank users as the payer. The account information of a specific payee is stored in the agreed payee group, and the agreed payee group is loaded into the first database 131 . In other words, the agreed payee group can contain the information of the corresponding registrant (payer), such as system account password, account number, mobile phone number, ID number, etc., and contains information on multiple agreed payees, For example account number. Groups of agreed payees can be stored as a lookup table.

The first processor 133 can be a central processing unit, a microcontroller, an FPGA, an ASIC, or other processors. The first processor 133 can run a first-level verification program stored in a built-in memory or an external memory, and the first-level verification program includes: judging whether the specified payee information matches the multiple information corresponding to the specified payer information. One of the agreed payee information; if the judgment result is yes, an execution instruction will be generated according to the agreed payee information and the money transfer requirement, and provided to the money transfer execution device 17; if the judgment result is no, then a The instruction is re-verified and provided to the second verification device 15 .

Specifically, the first processor 133 will compare the designated payee information one by one with the multiple agreed payee information in the first database 131 to determine the match, and the so-called agreed payee that meets the designated payee information Payee information means that the agreed payee information includes the same information as the specified payee information (such as account number). In addition, the generation of the execution instruction includes embedding the account number in the agreed payee information and the amount of money in the money transfer request in the form of encoding into an instruction, and the above-mentioned re-verification instruction includes at least the aforementioned money transfer request and Specify payee information.

The second verification device 15 is configured to further execute a second-level verification procedure on the information of the designated payee when the first-level verification procedure fails (ie, the result of the above determination is negative). The second verification device 15 includes a second database 151 and a second processor 153 , wherein the second processor 153 can connect to the second database 151 in a wireless or wired manner. The second database 151 can be flash memory, read-only memory, magnetic memory or other non-volatile storage media, and can be set on the same hardware device (such as a computer host) with the second processor 153, or set For a hard disk (such as cloud hard disk) that is remote to the second processor 153 . The second database 151 is used to store user information of multiple bank users, especially user information of multiple users belonging to the same bank. As mentioned above, the registration device of the money transfer system 1 or other registration systems connected with the money transfer system 1 can receive the registration application of the bank user. The registration device of the money transfer system 1 or other registration systems connected to the money transfer system 1 can load the user information contained in the registration application into the second database 151 . Furthermore, the user information includes at least the account number of the registrant and the application information of the device used by the registrant, such as the mobile phone number and communication software ID.

The second processor 153 can be a central processing unit, a microcontroller, an FPGA, an ASIC, or other processors. The second processor 153 is triggered by the re-authentication command generated by the first processor 133, and runs the second-level verification program stored in the built-in memory or the external memory, so as to judge the multiple data in the second database 151. When the user information includes a qualifier that matches the designated payee information, an authorization request is generated and output to the payee device 2 according to the qualifier and the money transfer request. Further, the second-level verification procedure includes: judging whether the designated payee information matches one of the plurality of user information; if the judging result is yes, the second processor 153 will generate an authorization request as described above; If the judgment result is negative, the second processor 153 outputs a message of transaction failure, or sends a request instruction for the application information (such as mobile phone number, communication software ID, etc.) of the payee device 2 . Specifically, the second processor 153 will compare the designated payee information with multiple user information in the second database 151 one by one to determine the match. The so-called user information matching the designated payee information refers to the user The information contains the same information as the designated payee information (such as account number).

Furthermore, the money transfer system 1 further includes an output device (not shown) connected to the second verification device 15 in a wireless or wired manner, wherein the output device corresponds to the input device 11 and can be used by an automatic teller machine or a payer Or the output components of the device, such as display screen, speaker, etc. When the second processor 153 of the second verification device 15 fails the second-level verification procedure (that is, the above judgment result is No), it can output a transaction failure message through the output device, or ask the payer for payment through the output device The application program information of the party device 2, and then generate an authorization request based on the application program information and the money transfer request.

The second processor 153 outputs an authorization request to the payee device 2 through wireless means (such as SMS or communication software message) to ask the payee whether to accept the payer's money transfer request. Further, the conformers matching the designated payee information include the application information of the payee device, and the second processor 153 can output an authorization request to the payee device 2 according to the application information.

In addition, as mentioned above, the user information stored in the second database 151 may belong to the same bank, that is, when the second processor 153 judges that the user information stored in the second database 151 does not include the specified payee information , indicating that the specified payee information may belong to other banks, and the second processor 153 can generate and output an inter-bank verification command to trigger another bank server before outputting transaction failure or requesting the application information of the payee device 2 The verification device performs the same verification procedure as the first and second verification procedures. Further, the money transfer system 1 may further include a third verification device, which is connected to the second verification device 15, and has the same structure as the first and second verification devices 13 and 15, and stores a plurality of individual bank user information, which can Triggered by the cross-bank verification command to determine whether there is a conformer in the user information of the other bank that matches the information of the designated payee, and when there is a conformer, an authorization request is generated and output according to the conformer and the money transfer requirement. The content of the user information, the method of judging the qualified person, and the method of generating and outputting the authorization request are the same as those of the first and second verification devices 13 and 15, and will not be repeated here.

The authorization verification device 19 may include a central processing unit, a microcontroller, a field programmable gate array, an application-specific integrated circuit, or other processors. The authorization confirmation means 19 may receive a notification from the second processor 153 of the second verification means 15 to receive an authorization reply corresponding to the authorization request. Further, after the second processor 153 of the second verification device 15 outputs the authorization request to the payee device 2 (not limited thereto, it may also be before or at the same time), a notification may be sent to the authorization confirmation device 19, and the authorization confirmation The device 19 can then receive an authorization reply corresponding to the authorization request according to the notification. Wherein, the notification may include the information of the designated payee. In addition, the authorization confirmation device 19 can store an illegal list (such as a fraud account list from the police station or fraud prevention center), and when it is judged that the information of the designated payee is listed in the illegal list, a warning message will be sent back to the second verification device 15 , does not perform the action of receiving an authorization reply.

When the authorization confirming device 19 judges that the authorization reply indicates that the money transfer request is agreed, it will generate an execution instruction based on the user information and money transfer requirements previously judged to be in line with the specified payee information, and provide it to the money transfer execution device 17; and when the authorization reply When the instruction disagrees, the authorization confirming device 19 outputs a message of transaction failure (for example, through the aforementioned output device). Wherein, the generation of the execution instruction includes embedding the account number in the user information conforming to the information of the designated payee and the amount of money in the money transfer request into an instruction in the form of encoding.

In one embodiment, the above-mentioned first and second verification devices 13 and 15 are respectively implemented by two computer hosts. In another embodiment, the first processor 133 and the second processor 153 are processors in two computers respectively, and the first database 131 and the second database 151 are respectively remote from the computers. of two hard drives. In yet another embodiment, the first and second verification devices 13 and 15 are set in the same bank server.

The money transfer execution device 17 may include a database for storing relevant information of each account (such as holder, amount of money, etc.) and a processor for processing account information. The payment transfer executing device 17 can transfer the payment according to the execution instruction from the first verification device 13 or the authorization confirmation device 19 . In addition, in the aforementioned embodiment where the money transfer system 1 further includes a third verification device, the money transfer system 1 further includes another money transfer execution device connected to the money transfer execution device 17, and the other money transfer execution device is the same as the first money transfer execution device. The third verification device can be installed on a bank server different from that of the second verification device 15, and is used to receive instructions from the money transfer execution device 17 to execute money transfer when the designated payee information belongs to other bank user information.

Through the above-mentioned two-stage verification procedure, the money transfer system 1 first performs a comparison operation with a data set with a small amount of data, which can reduce the calculation load of the system compared with the operation of directly comparing the specified information with all pre-stored user information. In addition, by inquiring whether the payee device 2 agrees to the money transfer request, the security of system processing can be improved through the communication and verification procedures of multiple devices.

The money transfer method operated by the above money transfer system 1 is illustrated by a flow chart. Please refer to FIG. 1 and FIG. 2 together, wherein FIG. 2 is a flow chart of the money transfer method according to an embodiment of the present invention. In step S1, the money transfer system 1 obtains the money transfer request, the information of the designated payer and the information of the designated payee through the input device 11 . In step S2, the money transfer system 1 judges whether the designated payee information matches one of the agreed payee information corresponding to the designated payer information through the first verification device 13 . The manner of judging is as described in the preceding embodiments, and will not be repeated here. When the judgment result is yes, in steps S3 and S4, the money transfer system 1 uses the first verification device 13 to generate an execution instruction according to the agreed payee information and money transfer requirements, and then uses the money transfer execution device 17 to Execute the instruction to transfer the money. The generation method of the execution instruction and the execution content of the money transfer are as described in the previous embodiments, and will not be repeated here.

When the judgment result of step S2 is negative, as shown in step S5, the money transfer system 1 will use the second verification device 15 to judge whether the designated payee information matches one of the multiple user information. The manner of judging is as described in the preceding embodiments, and will not be repeated here. When the judgment result is yes, in step S6, the money transfer system 1 uses the second verification device 15 to generate an authorization request according to the satisfied user information and money transfer requirements, and obtains an authorization reply accordingly. The method of generating the authorization request and the method of obtaining the authorization reply are as described in the preceding embodiments, and will not be repeated here. Then in step S7, the money transfer system 1 will use the authorization confirming device 19 to determine whether the authorization reply indicates that the money transfer request is agreed. When the authorization reply indicates that the money transfer request is agreed, the money transfer system 1 executes step S8 through the authorization confirmation device 19: generates an execution instruction according to the satisfied user information and money transfer requirements, and then executes step S4 through the money transfer execution device 17: Transfer funds according to execution instructions. The generation method of the execution instruction and the execution content of the money transfer are as described in the previous embodiments, and will not be repeated here. And when the authorization reply indicates that the money transfer request is not agreed, or the authorization confirming device 19 of the money transfer system 1 does not receive the authorization reply within a predetermined time, the money transfer system 1 will determine that the transaction has failed, as shown in step S11.

When the judgment result of step S5 is negative, as shown in steps S9 and S10, the money transfer system 1 requests the application program information of the payee device 2 through the second verification device 15, and according to the obtained application program information and payment A transfer request generates an authorization request, which in turn requests an authorization reply. Then, the money transfer system 1 will execute the above-mentioned step S7 and its subsequent steps, and the execution content is as described above, so it will not be repeated here. It should be noted here that the above steps S9 and S10 are optional steps. In another embodiment, when the judgment result of step S5 is no, the money transfer system 1 may directly judge that the transaction failed. In yet another embodiment, the second verification device 15 can generate a cross-bank verification command to trigger a verification device in another bank server to perform a verification procedure similar to the first and second verification procedures, so that when a match is found When specifying the other user information of the payee information, an authorization request is generated and output based on the matchee and the money transfer requirements.

Please refer to FIGS. 1 and 3 , wherein FIG. 3 is a schematic diagram showing the operation of a money transfer system according to an embodiment of the present invention. In the embodiment shown in FIG. 3 , the money transfer system has the components shown in FIG. 1 , and the operation of each component is as described in the previous embodiments. FIG. 3 exemplarily shows the installation positions of some components of the money transfer system, and the operation of the money transfer system after the first-stage verification procedure fails. In this embodiment, the second verification device 15 and the money transfer execution device 17 are set in the bank server 3 , and the authorization confirmation device 19 is set in the third-party device 4 . The so-called third-party device 4 is an organization that stores an illegal list (such as a fraud account list), such as a host computer located in a police station or a fraud prevention center. In addition, the first authentication device 13 (not shown in FIG. 3 ) in FIG. 1 can also be set in the bank server 3 or in an automatic teller machine.

In step A11, the second verification device 15 in the bank server 3 receives a re-verification instruction. In step A12, the second verification device 15 in the bank server 3 sends an authorization request to the payee device 2 after going through the second verification procedure. The detailed verification procedure is as described in the previous embodiment and will not be repeated here. In step A13 , the second authentication device 15 of the bank server 3 sends a notification including the information of the designated payee to the authorization confirmation device 19 in the third party device 4 . In step A14 , the payee device 2 sends the authorization reply to the authorization confirmation device 19 in the third party device 4 . Furthermore, the transmission path to the authorization confirmation device 19 can be pre-set in the authorization request, for example, it includes HTTP encoding. When the user presses the code from the payee device 2, an authorization indicating approval of the payment transfer request can be transmitted. Reply to the authorization confirming device 19. In step A15 , the authorization confirmation device 19 transmits the execution command to the money transfer execution device 17 in the bank server 3 to drive it to transfer money, or returns the judgment result of transaction failure to the bank server 3 . In addition, when the authorization confirming device 19 judges that the information of the designated payee is listed in the illegal list, it may return a warning message to the bank server 3 and not receive the authorization reply, that is, step A14 is not executed.

Please refer to FIGS. 1 and 4 , wherein FIG. 4 is a schematic diagram showing the operation of a money transfer system according to another embodiment of the present invention. In the embodiment shown in FIG. 4, the money transfer system has the components shown in FIG. 1, and the operation of each component is as described in the preceding embodiments. FIG. 4 schematically shows the arrangement positions of some components of the money transfer system, and the operation of the money transfer system after the first-stage verification procedure fails. The system components shown in Figure 4 are similar to those shown in Figure 3, the difference is that in the embodiment of Figure 4, the money transfer system further includes a third verification device 21 and another money transfer execution device 23 (hereinafter referred to as the second money transfer system) The transfer execution device 23, the money transfer execution device 17 is called the first money transfer execution device 17), which is installed in another bank server 5 (hereinafter referred to as the second bank server 5, and the bank server 3 is called the first bank server server 3). The description of the disposition positions of other components is omitted here.

In step A21, the second verification device 15 in the first bank server 3 receives a re-verification instruction. In step A22, the second verification device 15 in the first bank server 3 judges through the second verification procedure that the designated payee information belongs to other banks, so it sends an inter-bank verification instruction to the third bank in the second bank server 5. The verification device 21 sends the authorization request to the payee device 2 after going through the third verification procedure. The detailed verification procedure is as described in the previous embodiment, and will not be repeated here. In step A23 , the second verification device 15 of the first bank server 3 sends a notification including the information of the designated payee to the authorization verification device 19 of the third party device 4 . In step A24 , the payee device 2 transmits the authorization reply to the authorization confirmation device 19 in the third party device 4 . Furthermore, the transmission path to the authorization confirmation device 19 can be pre-set in the authorization request, for example, it includes HTTP encoding. When the user presses the code from the payee device 2, an authorization indicating approval of the payment transfer request can be transmitted. Reply to the authorization confirming device 19. In steps A25 and A26, the authorization confirmation device 19 transmits the execution instruction to the first money transfer execution device 17 in the first bank server 3 to drive it to carry out money transfer through the second money transfer execution device 23, or transfer the transaction The failed judgment result is sent back to the first bank server 3 . In addition, when the authorization confirming device 19 judges that the information of the designated payee is listed in the illegal list, it can return a warning message to the first bank server 3 without receiving the authorization reply, that is, step A24 is not executed.

By using the above-mentioned third-party device with an illegal list to carry out the transfer authorization confirmation process, one layer of protection can be added to the prevention and control of fraud, and the operation of the third-party device can reduce the time and time for the processor in the bank server to perform the confirmation process. The amount of calculation, thereby improving the operating performance of the bank processor.

Please refer to FIGS. 1 and 5 , wherein FIG. 5 is a schematic diagram showing the operation of a money transfer system according to another embodiment of the present invention. In the embodiment shown in FIG. 5, the money transfer system has the components shown in FIG. 1, and the operation of each component is as described in the previous embodiments. FIG. 5 exemplarily shows the arrangement positions of some components of the money transfer system, and the operation of the money transfer system after the first-stage verification procedure fails. In this embodiment, the second verification device 15 is set on the first bank server 3', the money transfer execution device 17 is set on the third party device 4', the third verification device 21 and the authorization confirmation device 19 are set on the second bank server device 5'. In addition, the first authentication device 13 (not shown in FIG. 5 ) in FIG. 1 can also be set in the first bank server 3', or in an automatic teller machine.

In step A31, the second verification device 15 in the first bank server 3' receives a re-verification instruction. In step A32, the second verification device 15 in the first bank server 3' judges through the second verification procedure that the information of the designated payee belongs to other banks, so it sends an inter-bank verification command to the second bank server 5'. For the third verification device 21, the detailed verification procedure is as described in the previous embodiments, and will not be repeated here. In step A33, the second verification device 15 in the first bank server 3' authorizes the money transfer executing device in the third party device 4' to transfer money. For example, the first bank server 3' may first provide the predetermined transfer amount to the third-party device 4'. In step A34, the third verification device 21 in the second bank server 5' sends an authorization request to the payee device 2 after the third verification procedure. The detailed verification procedure is as described in the previous embodiment, and will not be described here. Let me repeat. In step A35, the authorization verification device 19 in the second bank server 5' receives an authorization reply. In step A36, when the authorization reply indicates approval, the authorization confirmation device 19 in the second bank server 5' sends an execution command to the money transfer execution device 17 in the third party device 4' to drive it to transfer money. Through the above steps, the time for the processor in the server of the bank to wait for other bank servers to process programs can be reduced, thereby improving the operating performance of the processor in the server of the bank.

The present invention also proposes a payment transfer system 1' with a biometric identification function, please refer to FIG. 6, which is a functional block diagram of a payment transfer system 1' according to another embodiment of the present invention. As shown in Figure 6, the money transfer system 1' includes an input device 11', a first verification device 13, a second verification device 15, a money transfer execution device 17, and an authorization confirmation device 19', wherein the first verification device 13 can wirelessly Or connected to the input device 11' and the second verification device 15 in a wired manner, the authorization confirmation device 19' can be connected to the second verification device 15 in a wireless or wired manner, and the money transfer execution device 17 can be connected to the second verification device in a wireless or wired manner. A verification device 13 and an authorization verification device 19'. The money transfer system 1' of Fig. 6 is roughly the same as the device and operation of the money transfer system 1 of Fig. 1, the difference is that the input device 11' and the authorization confirmation device 19' can respectively include a biometric device, and the others have the same functions as in Fig. 1 The implementation and operation content of the devices and components with the same number are as described in the previous embodiment of FIG. 1 , so the following mainly explains the difference between the input device 11 ′ and the authorization confirmation device 19 ′ from the previous embodiment of FIG. 1 .

As shown in Figure 6, the input device 11' includes a biometric identifier 111, such as a face recognizer, a voiceprint recognizer, a fingerprint recognizer, an iris recognizer, etc., which pre-stores the biological information of multiple bank users, such as a face image image, voiceprint, fingerprint, iris, etc., and pre-stores the identity information of these bank users, such as system account password, account number, mobile phone number, ID card number, etc., and these pre-stored information can be stored in the form of a lookup table. The biometric identifier 111 can request biometric information to be identified according to the money transfer request. Further, when the input device 11' receives a money transfer request, the biometric device 111 may be triggered by the money transfer request to generate a biometric information request to be identified, and output the request through an output device such as a display screen or a speaker, so as to make payment The party asks for its biological information as the biological information to be identified. The biometric identifier 111 compares the biological information to be identified with the pre-stored biological information of multiple bank users, and when judging that the biological information to be identified matches a certain pre-stored biological information, the user information corresponding to the pre-stored biological information is used as the specified payment party information.

The authorization confirmation device 19' may also include a biometric identifier 191, such as a face recognizer, a voiceprint recognizer, a fingerprint recognizer, an iris recognizer, etc., pre-stored with multiple bank user biological information, such as face images, Voiceprint, fingerprint, iris, etc., and pre-stored user information of these bank users, such as system account password, account number, mobile phone number, ID card number, etc. Specifically, the owner of the information stored in the biometric identifier 191 (ie, the bank user) is the same as the owner of the information stored in the second database 151 .

In this embodiment, the biometric identifier 191 can generate a request for the biometric information to be identified according to the notification from the second processor 153, and can issue a request for the biometric information to be identified through a wireless method (such as a text message or a communication software message). to the payee device 2, and then obtain the biometric information to be identified from the payee device 2 as an authorization reply. The biometric identifier 191 compares the biometric information to be identified with the pre-stored biometric information of multiple bank users, and when it is judged that the biometric information to be identified matches the pre-stored biometric information of the designated payee, it will generate a consent instruction. The processor in the authorization confirming device 19' judges the authorization response to indicate the approval of the money transfer request according to the approval instruction, and generates an execution instruction for the money transfer. And when the biometric device 191 judges that the biological information to be identified does not conform to the pre-stored biological information of the designated payee, a disapproval instruction will be generated, and the processor in the authorization confirmation device 19' will judge that the authorization reply instruction is not valid according to the disapproval instruction. Agree to the money transfer request, but judge the transaction to fail.

It should be noted here that the biometric identifier 111 of the input device 11' and the biometric identifier 191 of the authorization verification device 19' are optional components. In yet another embodiment, only one of the input device 11' and the authorization confirmation device 19' is provided with a biometric identifier, and the present invention is not limited thereto.

In addition, the money transfer system mentioned in any one of the foregoing multiple embodiments of the present invention may have an agent mechanism. The multiple embodiments of the proxy mechanism described below are based on the money transfer system mentioned in any one of the aforementioned multiple embodiments, that is, include the elements and operations mentioned in any one of the aforementioned multiple embodiments. The multiple embodiments of the proxy mechanism described below can assist the payee to authorize the acceptance of payment when the payee is middle-aged or otherwise inconvenient, and has considerable security.

In an embodiment of the money transfer system with a proxy mechanism, the payee device is included in the money transfer system, which can be triggered by an authorization request to perform identity authentication on the user, and ask the user for authorization after the identity authentication is passed Reply, and then send the authorization reply to the authorization confirmation device. Wherein, besides the application program information of the payee device, the user information or other user information matching the specified payee information further includes the application program information of the proxy device. The agent device is, for example, a personal device of a preset agent. In this embodiment, the second verification device or the third verification device can output an authorization request according to the application information of the payee device, and output a proxy code according to the application information of the proxy device, and this proxy code can be used to pass the aforementioned identity certified. That is to say, the agent can obtain the proxy code, use the proxy code to pass the identity authentication mechanism of the payee's device, and then assist the payee to reply whether to agree to the money transfer request.

In another embodiment of the money transfer system with proxy mechanism, the payee device is included in the money transfer system, and the money transfer system further includes a proxy device, such as a radio signal detector. The payee device is used to be triggered by the authorization request to perform identity authentication on the user, and obtain an authorization reply from the user after the identity authentication is passed, and then transmit the authorization reply to the authorization confirmation device. The payee's device can provide proxy options (such as providing options through an application screen), and when the proxy option is triggered, a signal with a specific frequency (such as a radio signal) is generated. The proxy device generates a proxy code when detecting a signal of a specific frequency, and the proxy code is used for identity authentication. Taking a practical scenario as an example, the proxy device can be installed at the bank counter. When the payee clicks on the proxy option and enters a specific range around the counter, the proxy device can detect the specific frequency signal sent by the payee's device. The radio signal thus generates a proxy code, and the operator can use the proxy code to pass the identity authentication mechanism of the payee's device, and then assist the payee to reply whether to agree to the money transfer request.

With the above-mentioned structure, the money transfer system disclosed in this case can first perform comparison calculations with a data set with a small amount of data, so as to reduce the calculation load of the system. The money transfer system disclosed in this case can improve the security of system processing through the communication and verification procedures of multiple devices by asking the payee's device whether to agree to the money transfer request. In addition, it is also possible to avoid the situation where the payer makes a wrong remittance or deposit, or remits money to the head account.

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.

1, 1': money transfer system 11, 11': input device 111: Biometrics 13: The first verification device 131: First database 133: The first processor 15: The second verification device 151: Second database 153: second processor 17, 23: money transfer execution device 19, 19': authorization confirmation device 191: Biometrics 21: The third verification device 2: Payee device 3, 3': First Bank server 4, 4': third-party device 5, 5': The second bank server

FIG. 1 is a functional block diagram of a payment transfer system according to an embodiment of the present invention. FIG. 2 is a flowchart of a money transfer method according to an embodiment of the present invention. FIG. 3 is a schematic diagram of the operation of the money transfer system according to an embodiment of the present invention. FIG. 4 is a schematic diagram showing the operation of a money transfer system according to another embodiment of the present invention. FIG. 5 is a schematic diagram showing the operation of a money transfer system according to yet another embodiment of the present invention. FIG. 6 is a functional block diagram of a money transfer system according to another embodiment of the present invention.

1: Money transfer system

11: Input device

13: The first verification device

131: First database

133: The first processor

15: The second verification device

151: Second database

153: second processor

17: money transfer execution device

19: Authorization confirmation device

2: Payee device

Claims (10)

A money transfer system, comprising: an input device for obtaining a money transfer request, a designated payer information, and a designated payee information; a first verification device connected to the input device, and includes: a first a database storing a plurality of agreed payee information corresponding to the designated payer information; and a first processor connected to the first database to determine whether the designated payee information matches the agreed payee If one of the information is true, an execution instruction is generated according to the one and the money transfer request, and if not, a re-authentication instruction is generated; a second verification device is connected to the first verification device for receiving the re-verification instruction, And include: a second database, storing a plurality of user information; and a second processor, connected to the second database, for being triggered by the re-authentication instruction, to judge that the user information includes the specified When there is a conformer of the payee information, an authorization request is generated and output according to the conformer and the money transfer request; a payee device is used to be triggered by the authorization request to obtain an authorization reply, and output the authorization reply ; An authorization confirmation device, connected to the second verification device and the payee device, for receiving the authorization reply corresponding to the authorization request according to the notification of the second verification device, and when judging that the authorization reply indicates to agree to the When a money transfer request is made, the execution instruction is generated according to the conformer and the money transfer request; and a money transfer execution device is connected to the first verification device and the authorization confirmation device, and is used to transfer money according to the execution instruction. The money transfer system as described in Claim 1, wherein the second verification device and the money transfer execution device are set in a bank server, the authorization confirmation device is set in a third-party device, and the second verification device The notification includes the designated payee information, and the authorization confirmation device returns a warning message to the second verification device when it determines that the designated payee information is listed in an illegal list. The money transfer system as described in claim 2, wherein the money transfer execution device is a first money transfer execution device, the bank server is a first bank server, and the money transfer system further includes: a third authentication A device, connected to the second verification device and storing a plurality of user information of different lines, wherein the second verification device is further used to generate an inter-bank verification instruction when it is judged that the user information does not include the matcher that matches the user information , and the third verification device is triggered by the cross-bank verification instruction, so as to judge that the user information of these other banks includes the specified payee information When the conformer is contacted, generate and output the authorization request based on the conformant and the money transfer request; and a second money transfer execution device connected to the first money transfer execution device, wherein when the conformer belongs to the specific When transferring user information, the first money transfer execution device executes the money transfer through the second money transfer execution device; wherein the third verification device and the second money transfer execution device are set in a second bank server. The money transfer system as described in Claim 1, further includes: a third verification device connected to the second verification device and storing a plurality of other user information, wherein the second verification device is further used for judging the user information When the conformers that match the user information are not included, an inter-bank verification instruction is generated, and the third verification device is triggered by the inter-bank verification instruction to judge that the other bank user information includes those that match the designated payee information If the conformer, generate and output the authorization request according to the conformant and the money transfer request; wherein the second verification device is set in a first bank server, the third verification device and the authorization confirmation device are set in a In the second bank server, the money transfer execution device is set in a third-party device, and the second verification device is further connected to the money transfer execution device, and is used to authorize the money transfer execution device to perform the money transfer. The money transfer system as claimed in claim 1, wherein: The payee device is triggered by the authorization request to perform identity authentication, and obtains the authorization response after the identity authentication is passed, and transmits the authorization reply to the authorization confirmation device; wherein the conformers include the payee device's Application program information and application program information of a proxy device, the second verification device outputs the authorization request according to the application program information of the payee device, and outputs a proxy code according to the application program information of the proxy device, and the proxy The code is used to pass the identity authentication. The money transfer system as described in Claim 1, wherein: the payee device is triggered by the authorization request to perform identity authentication, obtains the authorization reply after the identity authentication is passed, and transmits the authorization reply to the authorization confirmation device , and the payee device provides a proxy option, when the proxy option is triggered, a signal with a specific frequency is generated; and a proxy device is used to generate a proxy code when the signal of the specific frequency is detected , where the proxy code is used to pass the identity authentication. The money transfer system as described in Claim 1, wherein the input device includes a biometric device, and the biometric device asks for a biometric information to be identified according to the money transfer request, and determines that the biometric information to be recognized conforms to a pre-stored biometric information , the identity information corresponding to the pre-stored biological information is used as the designated payer information. The money transfer system as described in Claim 1, wherein the authorization confirmation device includes a biometric device, and the authorization reply includes a biometric information to be identified, and the biometric device is in When judging that the biometric information to be identified conforms to a pre-stored biometric information, a consent instruction is generated, and the authorization confirming device judges that the authorization reply instruction agrees to the money transfer request according to the consent instruction. The money transfer system as described in Claim 1, wherein the conformer that matches the specified payee information includes an application program information of the payee device, and the second authentication device outputs the authorization request based on the application program information . The money transfer system as described in claim 1, wherein the second processor further requests an application program information of the payee device when there is no match among the user information that matches the specified payee information, And generate the authorization request according to the application program information and the money transfer request.

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