TWI844478B - Appropriation system and method based on verification result - Google Patents

Abstract

An appropriation system, comprises a mobile device, a bank server and a store server. The mobile device is configured to output a withdrawal information. The bank server is configured to output a first verification information to the mobile server based on the withdrawal information upon receiving, wherein the first verification information corresponds to the withdrawal information. The store server is configured to receive a second verification information from the mobile device and output the second verification information to the bank server. The bank server further performs a verification procedure after receiving the second verification information, and transfers a withdrawal amount corresponding to the withdrawal information to an account when the result of the verification procedure is verification passed. The bank server then outputs a withdrawal payment notification to the store server. The verification procedure at least comprises: the bank server determines whether the second verification information matches the first verification information. A method of appropriation is also disclosed.

Description

Funding system and method based on verification results

The present invention relates to a grant system and method, and more particularly to a grant system and method with enhanced information security verification.

According to the existing cardless withdrawal technology, when a user conducts a cardless withdrawal transaction, he usually submits a cardless withdrawal request in the application in the mobile device (for example, the mobile online banking app). Once the request is approved, the mobile device application will present a withdrawal verification code. The user can then present the withdrawal verification code to a scanner to make a small withdrawal. However, whether waiting in line at a bank counter or an ATM to collect the money, you may have to wait in line, resulting in a waste of time.

In addition, because cardless cash withdrawal technology does not require the card chip verification process, there have been cases of cash being stolen using cardless cash withdrawal technology. Although cardless cash withdrawal technology is designed to allow users to withdraw cash more conveniently, it still takes time to queue up and there are security concerns. Not only does it fail to increase users' willingness to withdraw cash without a card, it may also lead to malicious people taking advantage of security loopholes to steal cash, causing losses to banks and users.

In view of the above, the present invention provides a grant system and method to meet the above needs.

According to an embodiment of the present invention, a remittance system comprises: a mobile device for outputting a withdrawal information; a bank server for outputting a first verification information to the mobile device based on the withdrawal information when receiving the withdrawal information, wherein the first verification information corresponds to the withdrawal information; and a convenience store server for receiving a second verification information from the mobile device and outputting the second verification information to the bank server, wherein the bank server The device further executes a verification procedure after receiving the second verification information, and when the result of the verification procedure is that the verification is passed, a withdrawal amount corresponding to the withdrawal information is transferred to an account corresponding to the convenience store server, and the bank server outputs a withdrawal delivery notice to the convenience store server after transferring the withdrawal amount to the account, wherein the verification procedure at least includes: the bank server determines whether the second verification information is consistent with the first verification information.

According to an embodiment of the present invention, a method for transferring funds includes: outputting a withdrawal information to a bank server by a mobile device; outputting a first verification information to the mobile device based on the withdrawal information by the bank server, wherein the first verification information corresponds to the withdrawal information; receiving a second verification information from the mobile device by the convenience store server, and outputting the second verification information to the bank server; and receiving the second verification information by the bank server upon receipt of the second verification information. The invention relates to a method for transmitting the withdrawal information to a storage device of the convenience store. The method comprises: performing a verification procedure after receiving the second verification information; transferring a withdrawal amount corresponding to the withdrawal information to an account corresponding to the convenience store server when the verification procedure results in passing the verification; and outputting a withdrawal delivery notice to the convenience store server after transferring the withdrawal amount to the account, wherein the verification procedure at least includes: determining by the bank server whether the second verification information conforms to the first verification information.

In summary, according to the disbursement system and method described in one or more embodiments of the present invention, since convenience stores are widely set up, the cardless withdrawal method of convenience stores can reduce the waiting time for users to withdraw money in line when they want to withdraw money without a card, and users can withdraw money more conveniently without being limited to bank counter withdrawals or ATM withdrawals. In addition, according to the disbursement system and method described in one or more embodiments of the present invention, the information security verification of users and convenience stores can be strengthened to prevent malicious persons from stealing cash through information security loopholes, thereby avoiding losses to banks and users and improving user experience.

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

The detailed features and advantages of the present invention are described in detail in the following embodiments, and the contents are sufficient to enable any person skilled in the relevant art to understand the technical contents of the present invention and implement them accordingly. Moreover, according to the contents disclosed in this specification, the scope of the patent application and the drawings, any person skilled in the relevant art can easily understand the relevant purposes and advantages of the present invention. The following embodiments are to further illustrate the viewpoints of the present invention, but are not to limit the scope of the present invention by any viewpoint.

The transfer system and method shown in the present invention are applied to the scenario of cash withdrawal in convenience stores, that is, when a user needs to withdraw money, he does not need to go to a bank counter or an ATM to withdraw money, but can withdraw money directly at the convenience store counter through the transfer system and method shown in the present invention.

Please refer to FIG. 1, which is a block diagram of a grant system according to an embodiment of the present invention. The grant system of the present invention includes not only a mobile device 10, a bank server 20, and a convenience store server 30, but also preferably includes a reader 300 communicatively connected to the convenience store server 30, and the mobile device 10 is communicatively connected to the bank server 20 and the convenience store server 30; the bank server 20 is communicatively connected to the convenience store server 30.

The mobile device 10 shown in the present invention is, for example, a mobile phone, a laptop, a tablet computer, etc. The bank server 20 is preferably a server inside a bank or other computing devices inside a bank with computing and signal transmission capabilities; the convenience store server 30 is preferably a server inside a convenience store or other computing devices inside a convenience store with computing and signal transmission capabilities.

To explain the grant system and grant method disclosed in the present invention in more detail, please refer to FIG. 1 and FIG. 2 , wherein FIG. 2 is a flow chart of the grant method according to an embodiment of the present invention.

Please refer to step S10 in Figure 2: outputting withdrawal information to the bank server.

The mobile device 10 preferably has an application (e.g., an online banking application) built on the bank server 20, so that the user can input a withdrawal instruction into the application. After receiving the withdrawal instruction, the mobile device 10 will output a withdrawal information to the bank server 20 based on the withdrawal instruction, wherein the withdrawal information at least includes a withdrawal amount and an identity authentication data, and the identity authentication data is, for example, related to the user's account number, password, identity card number, etc.

Step S20: Outputting first verification information to the mobile device based on the withdrawal information.

After receiving the withdrawal information, the bank server 20 generates corresponding first verification information based on the withdrawal information.

Specifically, the bank server 20 preferably verifies the identity authentication data of the withdrawal information to determine whether the identity authentication data is authenticated identity authentication data. After determining that the identity authentication data is authenticated identity authentication data, the bank server 20 outputs the first authentication information to the mobile device 20, wherein the first authentication information preferably includes the withdrawal information, and the first authentication information is preferably in the form of a mobile barcode such as a one-dimensional barcode or a two-dimensional barcode, but the present invention does not limit the form of the first authentication information.

In other words, the bank server 20 first determines whether the user is a bank-authenticated user based on the identity authentication data of the withdrawal information. After determining that the user is a bank-authenticated user, the bank server 20 outputs the first verification information corresponding to the withdrawal information (withdrawal amount and identity authentication data) to the mobile device 10.

Step S30: Receive second verification information.

After the bank server 20 outputs the first verification information to the mobile device 10, the mobile device 10 presents the second verification information for the reader 300 connected to the convenience store server 30 to read the second verification information, and the second verification information is preferably presented in the same form as the first verification information.

In detail, the convenience store server 30 is communicatively connected to the reader 300 to receive the second verification information read by the reader 300, wherein the reader 300 is, for example, a barcode scanner, or other scanners that can scan one-dimensional barcodes or two-dimensional barcodes, etc., such as mobile barcodes, but the present invention does not limit the type of the reader 300.

Step S40: Output the second verification information to the bank server.

That is, after receiving the second verification information from the reader 300, the convenience store server 30 further outputs the received second verification information to the bank server 20 for the bank server 20 to perform subsequent verification.

Step S50: Execute the verification procedure.

The bank server 30 executes a verification procedure after receiving the second verification information, and executes the following step S60 when the verification procedure results in passing the verification, wherein the verification procedure at least includes determining whether the second verification information matches the first verification information previously output by the bank server 30.

Please refer to steps S40 and S50. Specifically, the convenience store server 30 outputs the second verification information read by the reader 300 to the bank server 20, and the bank server 20 can perform the verification procedure based on the first verification information and the second verification information.

In detail, the bank server 20 performs the verification procedure based on the first verification information and the second verification information, and the bank server 20 determines whether the withdrawal information (withdrawal amount and identity authentication information) corresponding to the second verification information and the withdrawal information (withdrawal amount and identity authentication information) corresponding to the first verification information are consistent, and when the bank server 20 determines that the withdrawal information corresponding to the second verification information is consistent with the withdrawal information corresponding to the first verification information, the bank server 20 determines that the result of the verification procedure is passed. That is, the bank server 20 can compare the data such as the withdrawal amount and identity authentication data corresponding to the second verification information with the data corresponding to the first verification information to determine whether the second verification information is consistent with the first verification information.

On the contrary, when the bank server 20 determines that the result of the verification procedure is that the verification is not passed (i.e., the withdrawal information corresponding to the second verification information does not match the withdrawal information corresponding to the first verification information), the bank server 20 can output a data error notification to the mobile device 10 for presentation to inform the user that the verification information is incorrect and the withdrawal request is not allowed; the bank server 20 can also output an authentication request to request another identity authentication data, fingerprint authentication data, voice print data, etc., and only after the other identity authentication data, fingerprint authentication data, voice print data, etc. pass the authentication, the following step S60 is executed.

Step S60: Transfer the withdrawal amount corresponding to the withdrawal information to the account corresponding to the convenience store server.

When the bank server 20 determines that the verification process has passed the verification in step S50, the bank server 20 can transfer the withdrawal amount corresponding to the withdrawal information to an account corresponding to the convenience store server 30.

After the bank server 20 transfers the withdrawal amount to the account corresponding to the convenience store server 30, the bank server 20 further executes step S70: outputting a withdrawal delivery notification to the convenience store server. In this way, the bank server 20 can notify the convenience store server 30 that the transfer is completed and notify the convenience store server 30 that the user can continue the withdrawal process at the convenience store counter.

In other words, after the bank server 20 determines that the second verification information output from the mobile device 10 has passed the verification procedure, the bank server 20 can transfer the same amount of the withdrawal amount to the account corresponding to the convenience store server 30 based on the aforementioned withdrawal information to pay the amount withdrawn by the user from the convenience store.

Please refer to FIG. 1 and FIG. 3 together, wherein FIG. 3 is a flow chart of a method for allocating funds according to another embodiment of the present invention. The flow chart of the method for allocating funds shown in FIG. 3 is similar to the method for allocating funds shown in FIG. 2 , so the similarities are not repeated here, except that after step S10 of the method for allocating funds shown in FIG. 3 , the bank server 20 further executes step S15, and selectively executes step S17 or step S20 based on the result of step S15.

Step S15: Determine whether the account balance change request is within the permitted change range.

In detail, the withdrawal information further includes an account balance change request, and the account balance change request is a request to withdraw the withdrawal amount from a financial account, wherein the financial account mentioned is the account corresponding to the withdrawal instruction.

After the mobile device 10 outputs the withdrawal information including the account balance change request to the bank server 20 (step S10), the bank server 20 can determine whether the account balance change request complies with an allowable range of changes, where the allowable range of changes is, for example, the maximum withdrawal limit agreed upon by the financial account, or the current balance of the financial account.

In other words, the bank server 20 can determine whether the account balance change request complies with the allowed change range based on the current status of the account content. The current status of the account content preferably includes the current balance of the financial account mentioned above, and the current status of the account content can also include the account contract content, and the account contract content is the maximum withdrawal amount agreed upon by the financial account according to the contract content.

Please continue to refer to step S15. In other words, when the requested withdrawal amount does not exceed the current balance of the financial account, and the withdrawal amount is consistent with the current account content (i.e., the withdrawal amount does not exceed the maximum withdrawal amount agreed upon in the contract content), the bank server 20 determines that the account balance change request is within the allowable change range.

When the bank server 20 determines in step S15 that the account amount change request meets the permitted change range, the bank server 20 may continue to execute step S20 (outputting first verification information to the mobile device based on the withdrawal information) to continue the subsequent verification procedure.

On the contrary, when the requested withdrawal amount exceeds the current balance of the financial account, or the withdrawal amount does not conform to the current account content (i.e., the withdrawal amount exceeds the maximum withdrawal amount agreed upon in the contract content), the bank server 20 determines in step S15 that the account balance change request does not conform to the permitted change range.

When the bank server 20 determines in step S15 that the account balance change request does not conform to the permissible change range, the bank server 20 then proceeds to step S17: outputting a withdrawal rejection notification to the mobile device. Accordingly, the bank server 20 can notify the user that the withdrawal instruction input by the user is rejected, so as to prevent the user from withdrawing an amount exceeding the permissible change range, thereby causing trouble in subsequent operations.

Please refer to FIG. 1 and FIG. 4 , wherein FIG. 4 is a flow chart of a verification procedure according to an embodiment of the present invention. That is, the verification procedure shown in the present invention may include a verification procedure as shown in FIG. 4 in addition to determining whether the withdrawal information corresponding to the second verification information and the withdrawal information corresponding to the first verification information match as described above.

After the convenience store server 30 outputs the second verification information to the bank server 20 in step S40, the bank server 20 may execute step S501: determining whether the mobile device location information and the convenience store location information overlap.

In detail, the first verification information output by the mobile device 10 includes a mobile device location information; and the convenience store server 30 can output a convenience store location information at the same time as outputting the second verification information to the bank server 20, wherein the mobile device location information is preferably the location of the mobile device 10 obtained by positioning using the Global Positioning System (GPS), and the convenience store location information can be not only the positioning location obtained by the Global Positioning System, but also the latitude and longitude coordinates or the house address pre-stored in the convenience store server 30. The present invention does not limit the method of obtaining the mobile device location information and the convenience store location information.

For example, when a user holding the mobile device 10 wants to withdraw money at a convenience store, the reader 300 installed in the convenience store will read the second verification information presented by the mobile device 10. When the convenience store server 30 receives the second verification information from the reader 300, it can determine in which convenience store the reader 300 is installed through the reader 300, and then output the location information of the convenience store where the reader 300 is installed.

After the bank server 20 obtains the mobile device location information and the convenience store location information, the bank server 20 can determine whether the mobile device location information and the convenience store location information overlap in step S501, thereby determining whether the mobile device 10 is located at the convenience store where the reader 300 is installed.

Please continue to refer to step S501. When the bank server 20 determines that the mobile device location information does not overlap with the convenience store location information, it means that the positioning may be wrong, or the user (the owner of the mobile device 10) has left the convenience store equipped with the reader 300. Therefore, the bank server 20 can execute step S17 as shown in Figure 3: output a withdrawal rejection notice to the mobile device. In addition, the bank server 20 can also output a withdrawal suspension notice to the convenience store's terminal device to inform the convenience store to suspend the withdrawal process.

Please continue to refer to step S501. When the bank server 20 determines that the mobile device location information overlaps with the convenience store location information, it means that the user (the holder of the mobile device 10) is located in the convenience store where the reader 300 is installed. Therefore, when the bank server 20 determines that the mobile device location information overlaps with the convenience store location information, and the second verification information matches the first verification information, it means that the bank server 20 determines that the result of the verification procedure is passed, so the bank server 20 can continue to execute step S60: transfer the money corresponding to the withdrawal information to the account corresponding to the convenience store server.

Please refer to FIG. 1 and FIG. 5 , wherein FIG. 5 is a flow chart of a verification procedure according to another embodiment of the present invention.

Similar to the embodiment of FIG. 4 , after the convenience store server 30 outputs the second verification information to the bank server 20 in step S40 , the bank server 20 may execute step S502 : determining whether the convenience store account information is authenticated convenience store account information.

Specifically, the convenience store server 30 may output a convenience store account information while outputting the second verification information to the bank server 20, and the convenience store account information is preferably the aforementioned information of the account corresponding to the convenience store server 30. That is, the convenience store account information is preferably a financial account number corresponding to the convenience store server 30, and the authenticated convenience store account information is preferably the convenience store account information that has been authenticated in advance by the bank server 20.

After receiving the convenience store account information, the bank server 20 can determine whether the convenience store account information is authenticated convenience store account information in step S502. When the bank server 20 determines that the convenience store account information is authenticated convenience store account information, and the second authentication information matches the first authentication information, it means that the bank server determines that the result of the authentication procedure is passed, and the bank server 20 can execute step S60 to transfer the funds.

On the contrary, when the bank server 20 determines that the convenience store account information is not the authenticated convenience store account information, the bank server 20 may execute step S503 to output a warning notification to the mobile device 10 to inform the user that the unit that outputs the convenience store account information is not a convenience store that has been pre-authenticated by the bank server 20. The bank server 20 may also execute step S17 as shown in FIG. 3: output a withdrawal rejection notification to the mobile device to inform the user that the bank server 20 rejects the withdrawal request.

It should be noted that the verification procedure disclosed in the present invention not only determines whether the second verification information is consistent with the first verification information, but also includes verification procedures as shown in Figures 4 and 5, and the bank server 20 can execute only one of them, or can execute the verification procedures shown in Figures 4 and 5 at the same time, and the present invention is not limited to this.

In summary, according to the disbursement system and method described in one or more embodiments of the present invention, since convenience stores are widely set up, the cardless withdrawal method of convenience stores can reduce the waiting time for users to withdraw money in line when they want to withdraw money without a card, and users can withdraw money more conveniently without being limited to bank counter withdrawals or ATM withdrawals. In addition, according to the disbursement system and method described in one or more embodiments of the present invention, the information security verification of users and convenience stores can be strengthened to prevent malicious persons from stealing cash through information security loopholes, thereby avoiding losses to banks and users and improving user experience.

Although the present invention is disclosed as above with the aforementioned embodiments, it is not intended to limit the present invention. Any changes and modifications made within the spirit and scope of the present invention are within the scope of patent protection of the present invention. Please refer to the attached patent application for the scope of protection defined by the present invention.

10: mobile device 20: bank server 30: convenience store server 300: reader

FIG. 1 is a block diagram of a grant system according to an embodiment of the present invention. FIG. 2 is a flow chart of a grant method according to an embodiment of the present invention. FIG. 3 is a flow chart of a grant method according to another embodiment of the present invention. FIG. 4 is a flow chart of a verification procedure according to an embodiment of the present invention. FIG. 5 is a flow chart of a verification procedure according to another embodiment of the present invention.

10: Mobile devices

20: Bank server

30: Convenience store server

300:Reader

Claims (10)

A system for disbursing funds based on verification results includes: a mobile device for outputting a withdrawal information; a bank server for outputting a first verification information to the mobile device based on the withdrawal information when receiving the withdrawal information, wherein the first verification information includes the withdrawal information; and a convenience store server for receiving a second verification information from the mobile device and outputting the second verification information to the bank server, wherein the first verification information and the second verification information are The two verification information are both mobile barcodes. The bank server further performs a verification procedure after receiving the second verification information, and when the result of the verification procedure is that the verification is passed, a withdrawal amount corresponding to the withdrawal information is transferred to an account corresponding to the convenience store server. After transferring the withdrawal amount to the account, the bank server outputs a withdrawal delivery notice to the convenience store server, wherein the verification procedure at least includes: the bank server determines that the second verification information The bank server determines whether the other withdrawal information of the second verification information is consistent with the withdrawal information of the first verification information. When the bank server determines that the other withdrawal information of the second verification information is inconsistent with the withdrawal information of the first verification information, the bank server outputs a data error notification to the mobile device, wherein the withdrawal information corresponds to the withdrawal amount and an identity authentication data, and the other withdrawal information corresponds to another withdrawal amount and another identity authentication data, wherein the mobile device outputs the The second verification information includes a mobile device location information. When the convenience store server outputs the second verification information, it also outputs a convenience store location information. The bank server executes the verification procedure further including: the bank server determines whether the mobile device location information overlaps with the convenience store location information. When it is determined that the mobile device location information overlaps with the convenience store location information and the other withdrawal information matches the withdrawal information, the result of the verification procedure is determined to be passed. A funding system based on verification results as described in claim 1, wherein the convenience store server, when outputting the second verification information, also outputs a convenience store account information corresponding to the convenience store server, and the bank server executes the verification procedure further comprising: the bank server determines whether the convenience store account information is an authenticated convenience store account information, and when the bank server determines that the convenience store account information is the authenticated convenience store account information and the second verification information matches the first verification information, the bank server determines that the result of the verification procedure is passed. A funding system based on verification results as described in claim 1, wherein the withdrawal information further includes an account balance change request, and the bank server further determines whether the account balance change request complies with an allowable range of changes after receiving the withdrawal information. The bank server outputs the first verification information to the mobile device when it is determined that the account balance change request complies with the allowable range of changes. The verification result-based grant system as described in claim 3, wherein the bank server further determines whether the account amount change request complies with the permitted change range based on the current status of an account content, and the current status of the account content includes an account contract content. The verification result-based grant system as described in claim 1 further includes a reader connected to the convenience store server, the reader being used to read the second verification information. A method for disbursing funds based on verification results, comprising: outputting a withdrawal information to a bank server by a mobile device; outputting a first verification information to the mobile device based on the withdrawal information by the bank server, wherein the first verification information includes the withdrawal information; receiving a second verification information from the mobile device by a convenience store server, and outputting the second verification information to the bank server, wherein both the first verification information and the second verification information are mobile barcodes. ; the bank server performs a verification procedure after receiving the second verification information; the bank server transfers a withdrawal amount corresponding to the withdrawal information to an account corresponding to the convenience store server when the verification procedure passes the verification; and the bank server outputs a withdrawal delivery notice to the convenience store server after transferring the withdrawal amount to the account, wherein the verification procedure at least includes: the bank server determines another verification information of the second verification information; whether a withdrawal information matches the withdrawal information of the first verification information, and when the other withdrawal information of the second verification information does not match the withdrawal information of the first verification information, the bank server outputs a data error notification to the mobile device, wherein the withdrawal information corresponds to the withdrawal amount and an identity authentication data, the other withdrawal information corresponds to another withdrawal amount and another identity authentication data, wherein the second verification information output by the mobile device includes A mobile device location information, the convenience store server outputs the second verification information together with a convenience store location information, and the bank server executes the verification procedure further comprising: the bank server determines whether the mobile device location information overlaps with the convenience store location information; and when the mobile device location information overlaps with the convenience store location information and the other withdrawal information matches the withdrawal information, the bank server determines that the result of the verification procedure is passed. A method for disbursement based on verification results as described in claim 6, wherein when the convenience store server outputs the second verification information, the convenience store server also outputs convenience store account information, and the bank server executes the verification procedure further including: determining by the bank server whether the convenience store account information is authenticated convenience store account information; and when the bank server determines that the convenience store account information is the authenticated convenience store account information and the second verification information matches the first verification information, determining by the bank server that the result of the verification procedure is verification passed. A method for allocating funds based on verification results as described in claim 6, wherein the withdrawal information further includes an account balance change request. After the bank server receives the withdrawal information, the method further includes: determining by the bank server whether the account balance change request complies with an allowable range of changes; and when the bank server determines that the account balance change request complies with the allowable range of changes, the bank server outputs the first verification information to the mobile device. A method for disbursement based on verification results as described in claim 8, wherein the bank server determines whether the account balance change request complies with the allowable range of changes, including: the bank server determines whether the account balance change request complies with the allowable range of changes based on the current status of an account content, and the current status of the account content includes an account contract content. A method for allocating funds based on verification results as described in claim 6, wherein the convenience store server is connected to a reader, and the reader reads the second verification information.

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