TWI837621B - Method and system for one-time financial transaction among multiple accounts - Google Patents

Abstract

A method and a system for one-time financial transaction among multiple accounts are provided. The system includes a serving system and an application executed in a user device. The serving system has a database that records account data of multiple clients. The application allows a user to initiate a transaction procedure for transferring or payment collection. In the method, the serving system receives a request for one-time transaction that includes identification data for identifying multiple persons from the user device. The account data of each of the persons can be obtained by querying the database according to the identification data. The account data is then transmitted to the user device. The serving system performs a transaction instruction sent from the user device for transferring money to the multiple persons or collecting money from the persons. The one-time financial transaction among multiple accounts is achieved.

Description

Multi-account one-time financial transaction method and system

The specification discloses a technology for processing procedures between multiple accounts in one transaction, in particular, a method and system for querying multiple accounts based on multiple characteristics to perform a one-time financial transaction.

As the method of using mobile devices to perform payments is becoming more and more popular, users can log in to the transaction software through their mobile devices, such as the mobile banking application (APP) provided by the bank, and use the transfer function to fill in the account information of the transaction counterparty to conveniently complete the online transfer transaction.

In mobile banking applications, it is common to provide a record of agreed accounts or frequently used accounts, allowing users to easily select one of the accounts without having to fill in the account information.

However, users may need to conduct transactions with multiple people at once, for example, when an account balance needs to be divided among multiple people, or when multiple people complete a service, one person needs to make a deposit first and then collect payment from each person. In this regard, the current method is still to obtain each person's account information one by one, or to ask each person to conduct transactions with oneself one by one. The known technology has not yet provided an effective and convenient way for users to conduct transfer or collection transactions with multiple people at once, especially when the transaction object may not be recorded in one's regular account.

In view of the need to conduct financial transactions with multiple people at one time, the disclosure proposes a multi-account one-time financial transaction method and system.

According to a system for executing a multi-account one-time financial transaction method, the system includes a server system located in a financial institution or a specific third party, including a database, the database records account information of multiple customers, the server system is used to manage financial transactions between multiple customers, and an application executed on a user device, wherein the server system will execute the multi-account one-time financial transaction method.

According to an embodiment of the multi-account one-time financial transaction method, the method is executed in a server system. At the beginning, a one-time multi-person transaction request is received from a user device, which includes identification data that can identify the identities of multiple people. The identification data can be obtained by taking photos of multiple people by the user device. After that, in the server system, the biometric characteristics of each person in the image can be analyzed by image recognition technology, and the server system can query the identification data based on the identification data that can identify the identities of multiple people. A database obtains account data of each of multiple persons, and then transmits the account data of multiple persons to a user device. The user operates the user device to input the amount to be transferred to each person, or the amount to be received, in the associated field of each person's account data, to generate a transaction instruction, which is transmitted to a server system, so that the server system executes the transaction instruction, including executing the transfer to multiple persons, or receiving payment from multiple persons, thereby completing a one-time financial transaction of multiple accounts.

In yet another embodiment, the multi-account one-time financial transaction method can also obtain the biometrics of multiple people through voiceprint recognition technology based on the voiceprints of multiple people recorded by the user device through the biometric acquisition interface, and use it to query the database to obtain the account information of each person, and then execute the subsequent transfer procedure.

Furthermore, in an implementation example of transferring money to multiple people, a transfer interface for transferring money to multiple people is initiated in the user device. When the account information of multiple people is obtained from the server system, the account information of multiple people is displayed one by one on the transfer interface. After the amount to be transferred to each person is entered, the transaction instruction is sent to the server system through the transfer interface to complete the one-time financial transaction of multiple accounts.

Furthermore, in an implementation example of receiving payment from multiple people, a payment receiving interface for receiving payment from multiple people is initiated in a user device. When the account information of multiple people is obtained from a server system, the account information of multiple people can be displayed one by one on the payment receiving interface. After the amount to be received from each person is entered, a transaction instruction is sent to the server system through the payment receiving interface. The server system notifies the multiple people to receive payment from the account information of multiple people, thereby completing a one-time financial transaction for multiple accounts.

To further understand the features and technical contents of the present invention, please refer to the following detailed description and drawings of the present invention. However, the drawings provided are only used for reference and description and are not used to limit the present invention.

The following is a specific embodiment to illustrate the implementation of the present invention. The technical personnel in this field can understand the advantages and effects of the present invention from the content disclosed in this specification. The present invention can be implemented or applied through other different specific embodiments. The details in this specification can also be modified and changed based on different viewpoints and applications without deviating from the concept of the present invention. In addition, the drawings of the present invention are only for simple schematic illustration and are not depicted according to actual size. Please note in advance. The following implementation will further explain the relevant technical content of the present invention in detail, but the disclosed content is not used to limit the scope of protection of the present invention.

It should be understood that, although the terms "first", "second", "third", etc. may be used in this document to describe various components or signals, these components or signals should not be limited by these terms. These terms are mainly used to distinguish one component from another component, or one signal from another signal. In addition, the term "or" used in this document may include any one or more combinations of the related listed items depending on the actual situation.

This disclosure proposes a multi-account one-time financial transaction method and system, one of the purposes of which is to allow users to rely on the multi-account account data recorded in the database of financial institutions (such as banks, third-party payment, etc.) to transfer money to multiple people or receive money from multiple people at one time, without having to enter account information one by one to transfer money or need to inform others of their own accounts to receive money from others, etc. In addition to avoiding errors in the process, it also provides fast and convenient financial services. For example, through the multi-account one-time financial transaction method and system proposed in the disclosure, when multiple people need to share accounts, such as sharing the expenses of multiple people eating together or traveling together, the method provides a fast and convenient collection function; when there is a need to transfer money to multiple people, the method can also conveniently allow users to transfer money to multiple people at one time.

FIG1 shows an example diagram of a system architecture for executing a multi-account one-time financial transaction method. The multi-account one-time financial transaction method is executed in a financial institution system 11, which is implemented by a server system of a server host, a workstation or a cloud server, wherein the multi-account one-time financial transaction method is implemented through hardware such as network elements, computing circuits, and storage devices, plus various software means.

The server system of the financial institution system 11 is provided with a database 13, which records the account information of multiple customers, so that the server system can manage financial transactions between multiple customers. The database 13 also records identification data that can identify the identity of the customer, such as facial features, facial features, features of specific parts of the human body, or biometric features formed by voiceprint data. Digital images and digital biometric features can be stored in the database 13; moreover, the method can still adopt various other data that can identify the identity of the customer, such as specific patterns (such as tattoos), location identification codes (such as ID numbers), etc.

According to the modules implemented by hardware and software in the financial institution system 11, it includes an identity recognition module 111 that can parse and identify identification data that can identify multiple identities transmitted by the user device to obtain identity data, an account query module 113 that queries the corresponding account data in the database 13 according to each person's identity data, and a transaction execution module 115 that executes transaction instructions between multiple accounts issued by the user device.

When executing the multi-account one-time financial transaction method, the end user operates the user device 101 to log in to the financial institution system 11 via the network 10 and executes a specific application. The transfer interface or the payment interface in the application can be operated. After the consent of multiple people, multiple people are photographed to generate an image, or other biometric features that can identify the identities of multiple people are obtained, such as recording sound signals, and transmitted to the financial institution system via the network 10 along with the one-time multi-person transaction request. The biometrics obtained can be identification data that can identify multiple people, such as facial images, specific parts, or voice prints of multiple users who each hold user devices 102, 103 and 104, and then transmitted to the financial institution system 11. The identity recognition module 111 obtains the biometrics of multiple people using an identity recognition technology (such as image recognition technology, voice print recognition technology, etc.), and compares it with the database 13 to obtain the identity data of each person recorded therein. The account query module 113 then queries the database 13 to obtain the account data of each person, and may include the communication data of each person, so as to facilitate the transmission of relevant information.

In the process of executing a multi-person transfer, the user device 101 can obtain the account information of multiple people (or can be displayed or hidden after multiple people agree, and the hidden part and key information can be considered for security considerations), fill in the transfer amount one by one or automatically fill in the amount, and confirm the execution of the transfer transaction to complete the purpose of multi-person transfer at one time. In the process of executing a multi-person collection, the user device 101 first obtains the information of multiple people to receive money (the hidden part and key information can be considered for security considerations), and can fill in the amount to be collected one by one or automatically fill in the amount to be collected, and confirm the execution of the collection transaction. The financial institution system 11 can first confirm with the recipient (such as the multiple people holding user devices 102, 103, 104 in the figure) to complete the purpose of collecting money from multiple people at one time. After the user device 101 that initiates the one-time multi-person transaction request confirms the transfer or receipt information, a transaction instruction is issued, and the transaction execution module 115 in the financial institution system 11 completes the subsequent transaction procedures.

It is worth mentioning that, in general, when executing a multi-account one-time financial transaction method, the multiple people in the image, or other identification data that can identify multiple people obtained by other methods, are preferably customers of the financial institution that runs this method, because the database 13 generally records the account data and biometrics of the financial institution's own customers, so that the account data of each person can be smoothly obtained. Therefore, according to the above embodiment, if the person in the image or voiceprint is not a customer of the financial institution, it may not be possible to proceed smoothly, but the transfer interface still provides a traditional method for inputting account data. However, when financial institutions can exchange the account data and biometrics of their respective customers (or through a third-party server system), the method can still be run in a system across financial institutions.

The main process of the method for executing a multi-account one-time financial transaction by the server system of the financial institution system can refer to the embodiment flow chart shown in FIG. 2 .

In the main method flow executed by the server system, first, as in step S201, it is started by the user end, and after obtaining data including identification data that can identify multiple people, the user can operate the application running in the device to generate and send a one-time multi-person transaction request to the connected server system, which includes identification data that can identify multiple people. The identification data that can identify multiple people can be images and sounds produced by shooting multiple people through software and cameras in the user's device, or recording identification data of each person obtained through various reading technologies.

Afterwards, taking image recognition of user identity as an example, in step S203, the identities of multiple people in the image are identified through the identity recognition technology in the server system, for example, biometric features are obtained based on facial features or voiceprints of multiple people, and provided to the server system to identify the identities of multiple people; in terms of identity recognition technology, the server system can obtain identity information of multiple people from identification data that can identify multiple people, that is, in step S205, the identity recognition features in the database of the server system, preferably biometric features, can be compared to obtain the account information of each person by comparing the digitized data.

Then in step S207, in the multi-person transfer mode, the server system will send the multi-person account data obtained by the query to the user device that issued the request; in the multi-person payment collection mode, the server system will send the payment collection information to each payment recipient, and the server system will execute the transfer only after obtaining the authorization of each person. Therefore, as in step S209, the server system will receive the transaction instruction from the user who issued the request or each of the multi-person group, so as to complete the multi-account one-time financial transaction as in step S211.

The detailed process of the multi-party transfer mode can refer to the embodiment flow chart of the method for multi-party execution of multi-account one-time financial transaction shown in FIG3, and the schematic diagrams related to the process can also refer to the embodiment diagrams of the user device display screen shown in FIG5A to FIG5D and FIG7A to FIG7D. The process shown is run between the user devices operated by multiple people (such as user 1 31, user 2 32 and user 3 33) and the server system at the end of the financial institution 35, wherein user 1 31 is the user who issues the multi-person transaction request, and this embodiment flow chart describes the process of user 1 31 transferring money to multiple other people (user 2 32 and user 3 33) at one time. The server system is provided with a database, and the database at least records the account data of multiple customers, and also includes communication data.

At the beginning of the process, the user device at the user 31 side executes an application. Referring to FIG. 5A , a transfer transaction screen 50 of the user device executing a multi-person transfer is shown. The user 31 operates the user device to first enter the identity authentication function 501 of the application, such as entering an account number, password, or verifying the user identity by biometric technology, and then executes the multi-person transfer function. Another embodiment is the transfer transaction screen 70 shown in FIG. 7A and the identity authentication function 701 provided by the application.

User 1 31 starts a biometric acquisition interface through the application, wherein the biometric acquisition function is used to acquire biometric data of multiple persons, including acquiring individual biometric data for each person separately or simultaneously, that is, acquiring user 2 biometric data simultaneously or separately (step S301) and acquiring user 3 biometric data (step S303).

According to one of the embodiments of obtaining biometrics, the camera of the user's device is activated through the biometrics acquisition interface to capture images including multiple people. Please refer to Figure 5B for the transfer object screen 503. This example schematically shows that the facial images of multiple transfer objects AAA, BBB, CCC and DDD are obtained through image recognition technology, and then the biometrics of each person are captured using image recognition technology.

According to another embodiment of obtaining biometrics, in addition to facial biometrics (not excluding other identifiable images), identification data that can identify multiple people can also be voiceprints of each person, as shown in FIG7B , through the biometrics acquisition interface to obtain the voice signals of multiple transfer objects AAA' and BBB', as shown in the transfer object voiceprint screen 703. For example, when recording the voice signal, the microphone function of the user device is turned on, and the transfer objects AAA' and BBB' (recipients) are asked to say "I want to receive money", and the voice signals of multiple people are obtained in batches and simultaneously through the biometrics acquisition interface, and then the biometrics in the voice signal of each person are obtained by voiceprint recognition technology. It is worth mentioning that the above-mentioned various biometric identification algorithms can be executed in the user device, however, it is better to execute them in a server system that can simultaneously execute multiple end-to-end identification processes.

Afterwards, based on the obtained biometrics of multiple people, a one-time multi-person transaction request is formed at the user 31 end, and the request is sent to the financial institution 35, so that the financial institution 35 can receive the one-time multi-person transaction request (in this case, a multi-person transfer mode) and the multi-person identity identification data accompanying the request (step S305). In the server system of the financial institution 35, after the identity is identified, a digital signature code is obtained, so that the database can be queried based on the identification data that can identify the identities of multiple people to obtain the account information and communication information of each person (step S307).

Afterwards, the financial institution 35 transmits the account information of multiple people to the user 31 who issued the one-time multi-person transaction request (step S309). According to the embodiment, the application executed in the user device of the user 31 starts a transfer interface for transferring money to multiple people. When the account information of multiple people is obtained from the server system, the account information of multiple people is displayed one by one on the transfer interface.

The implementation example can refer to FIG5C. Based on the security requirement of protecting personal data, the account data of the transfer may not be displayed, but the transfer information of multiple persons may be displayed on this transfer transaction screen 50, such as the first transfer information 505, the second transfer information 506, the third transfer information 507 and the fourth transfer information 508, which include the image and name of each person and the transfer amount set by the user. After the information is confirmed by the user 31, the user may click the button to transfer immediately 509. As shown in FIG7C, after the server system obtains the biometric features in the voiceprint according to the sound signal, the financial institution 35 transmits the account data of multiple persons to the user 31, and the application of the user device displays the transfer transaction screen 70, which includes the first transfer information 705 of the transfer object AAA' and the second transfer information 706 of the transfer object BBB'.

At this time, the user device 31 sends a transaction instruction (transfer instruction) to the financial institution 35 (step S311), so that the financial institution 35 can execute the transaction instruction according to each person's transfer amount (step S313). It should be mentioned that when the transfer information of multiple people is displayed on the transfer transaction screen 50, the application allows users to input their respective transfer amounts individually, or automatically calculates each person's transfer amount when a sum of money is required to be divided equally (or a specific calculation formula).

After inputting the amount to be transferred to each person, the transaction instruction can be sent to the server system of the financial institution 35 through the transfer interface. In this process, when the financial institution 35 completes the transaction instruction, the transaction result is returned to the user 1 31 who made the request (step S315), such as the transaction result 510 shown in FIG5D and the transaction result 710 shown in FIG7D. The transaction results of the same or different transfer amounts from user 1 31 to multiple other people (user 2 32 and user 3 33) can be displayed on different pages or on one page, and the content may include information such as the transfer amount, the transfer-out account, and the transfer-in object, so as to inform user 1 31 that the transaction is successful. At this time, the financial institution 35 can also transmit relevant transaction information according to the communication data of the second user 32 (step S317), and transmit transaction information according to the communication data of the third user 33 (step S319), to complete the multi-account one-time financial transaction.

FIG4 then describes the detailed process of the multi-person payment collection mode. The process-related schematic diagrams can also refer to the process implementation diagrams of using face to perform multi-account one-time financial transactions as shown in FIG6A to FIG6D, or the process implementation diagrams of using voiceprint to perform multi-account one-time financial transactions as shown in FIG8A to FIG8D, and can also be used in conjunction with the payer user device display screen implementation diagrams as shown in FIG9A to FIG9C. The process shown is run between the user devices operated by multiple people (such as user 1 41, user 2 42 and user 3 43) and the server system at the financial institution 45 end, wherein user 1 41 is the user who issues a multi-person transaction request. This embodiment flow chart describes the process of user 1 41 receiving one-time payment from multiple other people (user 2 42 and user 3 43).

At the beginning of the process of multiple payment collection, the user operates the user device to open the application, and the application starts from a payment collection interface for multiple payment collection, such as a biometric feature acquisition interface, which is used to obtain biometric data of multiple people separately or simultaneously. One embodiment is a payment transaction screen 60 shown in FIG6A. After the identity of the user is verified by the identity authentication function 601, the user is guided to shoot an image including multiple people, or an image of each person generated by shooting individually; another embodiment is a payment transaction screen 80 shown in FIG8A. After the identity of the user is verified by the identity authentication function 801, the user is guided to record the sound signal of the payment object to form the voiceprint data provided to the server system.

As shown in the process of FIG. 4 , after identity verification, user 1 41 opens the payment transaction screen 60 and obtains the biometric data of user 2 (step S401) and the biometric data of user 3 (such as facial image or voice signal) (step S403). After confirming multiple objects to be paid, a one-time multi-person transaction request is generated and transmitted to the server system of the financial institution 45, which may include identification data that can identify the identities of multiple people (step S405), which may be each person's facial image, or an image of a specific body part, or other identification data that can identify the payment object, such as a voiceprint. Please refer to FIG6B for an example diagram showing a payment recipient screen 603 initiated by an application executed on a user device of user 41, wherein images displayed include facial images of payment recipients AAA, BBB, CCC and DDD. FIG8B shows a payment recipient screen 803, wherein the microphone of the user device is turned on through a biometric acquisition interface to record the voice signal of the payment recipient, and the voiceprints of the payment recipients AAA’ and BBB’ are displayed.

In financial institution 45, the identities of multiple persons are identified based on identification data that can identify multiple persons, including using image recognition technology to obtain biometric features based on facial images of each person, or using voiceprint recognition technology to obtain biometric features based on received voiceprint data. After obtaining the digital feature code, the database is searched to obtain the account information and communication information of each person (step S407), and then the relevant information is sent to the user device of user 41 based on the account information of multiple persons (step S409).

According to the embodiment, as shown in FIG6C , the payment transaction screen 60 displays the multi-account data determined by the financial institution 45, and in this example, the first transfer information 605 of the payment recipient AAA, the second transfer information 606 of the payment recipient BBB, the third transfer information 607 of the payment recipient CCC, and the fourth transfer information 608 of the payment recipient DDD are displayed, and the transfer account number and the total payment amount of the user 41 are also included. In addition, the payment transaction screen 80 shown in FIG8C includes the first transfer information 805 of the payment recipient AAA’ and the second transfer information 806 of the payment recipient BBB’.

As shown in the diagram of FIG. 6C or FIG. 8C, the user 41 may provide the payment information confirmed by the user 41, or if the amount to be paid to each person is different, the user 41 may rewrite or input the amount to be paid to each person through the payment interface. It should be noted that personal security information should be hidden in the relevant application. After the user 41 confirms the object and amount of payment, the transaction instruction is sent to the financial institution 45 through the payment interface, including the amount to be paid to each person (step S411).

Afterwards, the financial institution 45 sends a payment collection message to the user device of the payee based on the communication data of the payee, for example, providing the user two 42 with his own account information and payment collection information, allowing the user two 42 to confirm whether to transfer from this account, or to choose other accounts, or to refuse to transfer to the user one 41 (step S413); the payment collection message is also sent to the user three 43's user device, which records the account information and payment collection amount of the user three 43, including allowing the user three 43 to confirm whether to transfer from this account, or to choose other accounts, or to refuse to transfer to the user one 41 (step S415).

FIG9A schematically shows a transfer message 901 displayed on a payment transaction screen 90 on a user device of user 2 42 or user 3 43. In this example, a bank message is shown: You have received a transfer request. After clicking on the transfer message 901, transfer information 903 of the payment transaction screen 90 as shown in FIG9B is displayed, wherein the amount can be provided by the server, or filled in or edited by each person. After the user confirms the payment information, he can click on Transfer Now 905 to confirm the transfer with the financial institution 45.

After the second user 42 confirms the payment information sent by the financial institution 45, including the account and amount of the transfer, the user responds to the transaction request, or may provide other additional transfer information, such as modifying the account of the transfer, or rejecting the transfer (step S417). After the financial institution 45 receives the message that the second user 42 agrees to the transfer, it executes the transaction instruction to transfer to the first user 41 (step S419) and replies the transaction result to the second user 42 (step S421). Please refer to FIG. 9C for the transaction result 907 displayed on the payment transaction screen 90 of the payer's user device.

On the other hand, user three 43 also confirms the payment information sent by the financial institution 45, and responds to the transaction request, either by modifying the transfer account or refusing the transfer (step S423). The financial institution 45 executes the transaction instruction according to the reply message, and transfers the set amount from the account of user three 43 to the account of user one 41 (step S425), and also replies the transaction result to user three 43 (step S427), as shown in the transaction result 907 on the payer's user device in Figure 9C. Finally, when the financial institution 45 completes the transaction procedure for multiple people to receive payment, the transaction results can be transmitted to the user 41 one by one (step S429). The final result can be displayed in a way that the user 41 can display the transaction results of the same or different payment amounts on different pages or on one page, such as the transaction result 610 shown in Figure 6D, or the transaction result 810 shown in Figure 8D.

In summary, according to the multi-account one-time financial transaction method and system described in the above embodiments, the system is provided with a server system and a database to store each person's communication data and account data for the purpose of transmitting account data. When executing the method, the application executed by the user's device can capture and capture multiple people's identity features, or the server system can determine multiple people's identity data based on multiple people's biometric features, so that the user can edit transfer and collection data, transfer money, receive payment information, etc. Therefore, the proposed method can achieve the effect of one-time transfer to multiple people, and achieve the effect of one-time collection from multiple people.

The contents disclosed above are only preferred feasible embodiments of the present invention and are not intended to limit the scope of the patent application of the present invention. Therefore, all equivalent technical changes made using the contents of the specification and drawings of the present invention are included in the scope of the patent application of the present invention.

11: Financial institution system 111: Identity identification module 113: Account query module 115: Transaction execution module 13: Database 10: Network 101, 102, 103, 104: User device 31: User 1 32: User 2 33: User 3 35: Financial institution 41: User 1 42: User 2 43: User 3 45: Financial institution 50: Transfer transaction screen 501: Identity verification function 503: Transfer recipient face screen AAA, BBB, CCC, DDD: Transfer recipient, recipient 505: First transfer information 506: Second transfer information 507: Third transfer information 508: Fourth transfer information 509: Immediate transfer 510: Transaction results 60: Receiving transaction screen 601: Identity verification function 603: Receiving party’s face screen 605: First transfer information 606: Second transfer information 607: Third transfer information 608: Fourth transfer information 610: Transaction results 70: Transfer transaction screen 701: Identity verification function 703: Receiving party’s voiceprint screen AAA’, BBB’: Receiving party, Receiving party 705: First transfer information 706: Second transfer information 709: Immediate transfer 710: Transaction results 80: Receiving transaction screen 801: Identity verification function 803: recipient voiceprint screen 805: first transfer information 806: second transfer information 810: transaction result 90: payment transaction screen 901: transfer message 903: transfer information 905: immediate transfer 907: transaction result Steps S201~S211: multi-account one-time financial transaction process Steps S301~S319: multi-account one-time financial transaction process Steps S401~S429: multi-account one-time financial transaction process

FIG1 shows a system architecture embodiment diagram of a method for performing a multi-account one-time financial transaction;

FIG2 is a flowchart showing an embodiment of a method for a financial institution system to perform a multi-account one-time financial transaction;

FIG. 3 shows a flowchart of an embodiment of a method for multiple parties to perform a multi-account one-time financial transaction;

FIG. 4 shows a second flow chart of an embodiment of a method for multiple parties to perform a multi-account one-time financial transaction;

5A to 5D show one of the exemplary embodiments of the user device display screen for performing a multi-account one-time financial transaction method using a human face;

6A to 6D show a second embodiment of a user device display screen diagram for performing a multi-account one-time financial transaction method using a human face;

7A to 7D show one embodiment of a user device display screen diagram of a method for performing a multi-account one-time financial transaction using voice prints;

8A to 8D show a second embodiment of a user device display screen diagram for performing a multi-account one-time financial transaction method using voice prints; and

9A to 9C show exemplary embodiments of display screens of a payer's user device for executing a multi-account one-time financial transaction method.

11: Financial institution system

111: Identity identification module

113:Account query module

115: Transaction execution module

13: Database

10: Internet

101,102,103,104: User device

Claims (7)

A multi-account one-time financial transaction method is implemented in a server system, comprising: receiving a one-time multi-person transaction request from a user device, which includes identification data that can identify the identities of multiple people; wherein, in the user device, a biometric feature acquisition interface is started, an image including the multiple people is obtained by photographing multiple people, and the facial image of each person is obtained one by one, and the biometric features of the multiple people are obtained by an image recognition technology, and the biometric features are uploaded to the server system. The identification data that can identify multiple people; query a database based on the identification data that can identify multiple people to obtain the account data of each of the multiple people; transmit the account data of the multiple people to the user device that issued the one-time multi-person transaction request; and receive a transaction instruction from the user device, that is, execute the transaction instruction, which is to execute a transfer to the multiple people, or to receive money from the multiple people, that is, complete a multi-account one-time financial transaction. The multi-account one-time financial transaction method as described in claim 1, wherein a transfer interface for transferring money to the multiple people is initiated in the user device, and when the account information of the multiple people is obtained from the server system, the account information of the multiple people is displayed one by one on the transfer interface, and after the amount to be transferred to each person is input, the transaction instruction is sent to the server system through the transfer interface to complete the multi-account one-time financial transaction. The multi-account one-time financial transaction method as described in claim 1, wherein a payment receiving interface for receiving payment from the multiple persons is activated in the user device, and when the account data of the multiple persons are obtained from the server system, the account data of the multiple persons are displayed one by one on the payment receiving interface, and after the amount to be received from each person is input, the transaction instruction is transmitted to the server system through the payment receiving interface, and the server system notifies the multiple persons to receive payment from the account data of the multiple persons, so as to complete the multi-account one-time financial transaction. As described in claim 3, when the server system receives the one-time multi-person transaction request for receiving payment from the multiple persons from the user device, in addition to querying the database to obtain the account information of each of the multiple persons, it also obtains the communication information of the multiple persons to send a payment message to the multiple persons. A system for executing a multi-account one-time financial transaction method includes: a server system including a database, the database recording account data of multiple customers and identification data that can identify the identities of the customers, the server system is used to manage financial transactions between the multiple customers; and an application program executed on a user device; wherein the server system executes the multi-account one-time financial transaction method including: receiving a one-time multi-person transaction request from the application program executed on the user device, the one-time multi-person transaction request including identification data that can identify the identities of multiple people; wherein, in the user device, a biometric feature acquisition interface is started, and a biometric feature acquisition interface is generated through the biometric feature acquisition interface. Photograph multiple people to obtain an image including the multiple people, obtain facial images of each person one by one, obtain biometric features of the multiple people using an image recognition technology, and form identification data that can identify the multiple people and upload them to the server system; query the database based on the identification data that can identify the multiple people to obtain account data of each of the multiple people; transmit the account data of the multiple people to the user device that issued the one-time multiple-person transaction request; and receive a transaction instruction from the user device, that is, execute the transaction instruction, which is to execute a transfer to the multiple people or to receive money from the multiple people, that is, complete a one-time financial transaction of multiple accounts. A system for executing a multi-account one-time financial transaction method as described in claim 5, wherein the application executed in the user device initiates a transfer interface for transferring money to the multiple persons. When the account information of the multiple persons is obtained from the server system, the account information of the multiple persons is displayed one by one on the transfer interface. After the amount to be transferred to each person is input, the transaction instruction is sent to the server system through the transfer interface to complete the multi-account one-time financial transaction. A system for executing a multi-account one-time financial transaction method as described in claim 5, wherein the application executed in the user device starts from a payment receiving interface for receiving payment from the multiple persons, and when the account data of the multiple persons are obtained from the server system, the account data of the multiple persons are displayed one by one on the payment receiving interface, and after the amount to be received from each person is input, the transaction instruction is transmitted to the server system through the payment receiving interface, and the server system notifies the multiple persons to receive payment from the account data of the multiple persons, so as to complete the multi-account one-time financial transaction.

Images