TWM535366U - Online fund transfer system - Google Patents
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Abstract
Description
本創作係關於一種網路金融方法及系統，特別是一種網路轉帳方法及系統。 This creation is about a method and system for internet finance, and in particular, a method and system for network transfer.
目前多數網路銀行之電腦或App使用者介面的設計皆需要使用者主動勾選相關的資訊，以利進行系統的判斷，若判斷有誤，該筆交易就無法進行而需重新輸入，造成使用者介面的設計較為複雜，需要勾選以及輸入的資訊欄位較多，使用上較不便利。 At present, the design of the computer or App user interface of most online banks requires the user to actively check relevant information to facilitate the judgment of the system. If the judgment is incorrect, the transaction cannot be performed and needs to be re-entered, resulting in use. The design of the interface is more complicated, and it is necessary to check and input more information fields, which is less convenient to use.
本領域中現有的轉帳機制皆不進行資訊判斷，且為單一發動方的技術，須由付款人提供完整的轉帳資訊、金額、帳號後，方能啟動該筆轉帳交易，此部分雖可鞏固安全性並將付款錯誤或者失敗的風險完全性的轉嫁給付款人，但對於付款人不便利，因其需判斷該帳戶為約定轉帳或非約定轉帳，或需要取得收款人的帳號資訊後方能進行轉帳交易。 The existing transfer mechanism in the field does not carry out information judgment, and is a single-issue party technology, and the payer must provide complete transfer information, amount, and account number before starting the transfer transaction, which can consolidate security. Sexuality and the risk of payment error or failure is completely passed on to the payer, but it is not convenient for the payer, because it needs to judge that the account is an agreed transfer or non-agreed transfer, or need to obtain the payee's account information before proceeding Transfer transaction.
本創作提供一種網路轉帳系統，適於或主要設於一伺服器端，其可用於一網路銀行系統以供一轉帳人轉帳予一收款人，其包含：一軟體產品，其提供一使用者介面以與該轉帳人互動，該軟體產品包括一智能輸入模組；一驗證模組，用以驗證該轉帳人及該收款人之身分；一網址加解密模組；及一轉帳交易模組；其中，該軟體產品係要求該轉帳人輸入該收款人的一聯絡字元資 訊，以觸發一轉帳請求；該智能輸入模組係根據該聯絡字元資訊，對應地於該使用者介面顯示該收款人的相關資訊；該驗證模組於接獲該轉帳請求後驗證該轉帳人之身分；驗證通過後，該網址加解密模組產生該轉帳請求專屬之一網址，該網址允許該收款人連結至一對應之網頁；該驗證模組藉由於該網頁輸入的一驗證資訊來驗證該收款人之身分；以及，驗證通過後，該轉帳交易模組進行轉帳交易。 The present invention provides a network transfer system suitable for or mainly located at a server end, which can be used in an online banking system for a transferee to transfer to a payee, comprising: a software product, which provides a The user interface interacts with the transferee, the software product includes an intelligent input module; a verification module for verifying the identity of the transferor and the payee; a URL encryption and decryption module; and a transfer transaction a module; wherein the software product requires the transferee to enter a contact character of the payee To trigger a transfer request, the smart input module displays corresponding information of the payee corresponding to the user interface according to the contact character information; the verification module verifies the transfer request after receiving the transfer request The identity of the transferor; after the verification is passed, the URL encryption and decryption module generates one of the exclusive URLs of the transfer request, the URL allows the payee to link to a corresponding webpage; the verification module is verified by the webpage input Information to verify the identity of the payee; and, after the verification is passed, the transfer transaction module performs a transfer transaction.
在本創作之部分具體實施例中，該聯絡字元資訊為銀行代碼、手機號碼或電子郵件地址。 In some embodiments of the present creation, the contact character information is a bank code, a mobile phone number, or an email address.
在本創作之一具體實施例中，於該轉帳人之身分驗證通過後，該使用者介面係要求該轉帳人輸入一取款密碼，該取款密碼可由該轉帳人自行設定。 In a specific embodiment of the present invention, after the identity verification of the transferee is passed, the user interface requests the transferee to input a withdrawal password, and the withdrawal password can be set by the transferee.
根據本創作之較佳具體實施例，該網頁係要求收款人輸入收款帳號，該轉帳交易模組會依該收款帳號進行轉帳交易。 According to a preferred embodiment of the present invention, the web page requires the payee to input a payment account, and the transfer transaction module performs a transfer transaction according to the payment account.
根據本創作，該網路轉帳系統可進一步包含一通訊模組，其係用於將該網址及/或該取款密碼藉由一通訊方式提供予該收款人。 According to the present invention, the network transfer system can further include a communication module for providing the website and/or the withdrawal password to the payee by means of a communication.
根據本創作，該智能輸入模組可包含：一接收模組，用以接收來自使用者端的一字元資訊；一字元分析模組；及一字元定義資料庫，儲存有預先決定的複數個字元資訊種類之定義；其中，該字元分析模組用以解析該字元資訊，並與該字元定義資料庫中之資料比對，以決定該字元資訊屬於何一字元資訊種類。 According to the present invention, the smart input module can include: a receiving module for receiving a character information from the user end; a character analysis module; and a character definition database storing a predetermined plural a definition of a type of character information; wherein the character analysis module is configured to parse the character information and compare the data in the character definition database to determine which character information the character information belongs to kind.
在本創作之一具體實施例中，該字元分析模組會根據該字元定義資料庫中預先決定的複數個字元資訊種類之定義，搜尋該字元資訊中之特定關鍵字，以進行該比對。 In a specific embodiment of the present invention, the character analysis module searches for a specific keyword in the character information according to the definition of the predetermined plurality of character information types in the database. The comparison.
本創作之網路轉帳系統可運用使用者端軟體產品、通訊模組、網址加解密模組、驗證模組以及轉帳交易模組，將原本一段式的轉帳交易切分成為兩段式的交易，使擁有部分資訊的付款方以及收款方，能夠透過該部分的資訊，完成完整的交易；此外，本創作之網路轉帳系統允許使用者(轉帳人)於單一欄位輸入各式不同的資訊，並藉由字元分析模組以及字元字義資料庫定義，完成該筆輸入資訊的判斷，俾使用者利用簡單的使用者介面，即能夠完成不同方式的轉帳交易，並簡化使用者需要輸入以及勾選的欄位。 The network transfer system of the creation can use the client software product, the communication module, the website encryption and decryption module, the verification module and the transfer transaction module to divide the original one-end transfer transaction into a two-stage transaction. The payer and the payee who own part of the information can complete the complete transaction through the information of the part; in addition, the network transfer system of the creation allows the user (transfer) to input various information in a single field. And through the character analysis module and the definition of the character definition database, the judgment of the input information is completed, and the user can complete the transfer transaction in different ways by using a simple user interface, and simplify the user's input. And check the fields.
本創作之其他目的及優點一部分記載於下述說明中，或者可透過本創作的實施例而理解。應了解前文之發明內容及下文之實施方式僅為例示性及闡釋性之說明，而非如申請專利範圍般限定本創作。 Other objects and advantages of the present invention are described in the following description or may be understood by the embodiments of the present invention. It is to be understood that the foregoing description of the invention and the invention are intended to be
100‧‧‧伺服器端 100 ‧‧‧Server side
10‧‧‧驗證模組 10 ‧‧‧ verification module
15‧‧‧軟體產品 15 ‧‧‧Software products
16‧‧‧智能輸入模組 16 ‧‧‧Smart Input Module
20‧‧‧網址加解密模組 20 ‧‧‧Website encryption and decryption module
22‧‧‧網頁 22 ‧‧‧Webpage
30‧‧‧轉帳交易模組 30 ‧‧‧Transfer Transaction Module
40‧‧‧通訊模組 40 ‧‧‧Communication Module
50‧‧‧轉帳請求 50 ‧‧‧Transfer request
60‧‧‧驗證資訊 60 ‧‧‧Verification information
圖1顯示對應於本創作之一較佳具體實施例之系統架構圖。 1 shows a system architecture diagram corresponding to one preferred embodiment of the present author.
圖2顯示對應於本創作之一較佳具體實施例之流程圖。 Figure 2 shows a flow chart corresponding to a preferred embodiment of the present author.
除非另有指明，所有在此處使用的技術性和科學性術語具有如同本創作所屬技藝中之通常技術者一般所瞭解的意義。 All technical and scientific terms used herein have the meaning as commonly understood by one of ordinary skill in the art to which the present invention pertains, unless otherwise indicated.
本文所使用的「一」乙詞，如未特別指明，係指至少一個(一個或一個以上)之數量。 The term "a" as used herein, unless otherwise specified, refers to the quantity of at least one (one or more).
在一方面，本創作提供一種網路轉帳系統，適於或主要設於一伺服器端，其可用於一網路銀行系統以供一轉帳人轉帳予一收款人。該網路轉帳系統包含一軟體產品，其提供一使用者介面以與該轉帳人互動，該軟體產品包括一智能輸入模組；一驗證模組，用以驗證該轉帳人及該收款人之身分；一網 址加解密模組；及一轉帳交易模組；其中，該軟體產品係要求該轉帳人輸入該收款人的一聯絡字元資訊，以觸發一轉帳請求；該智能輸入模組係根據該聯絡字元資訊，對應地於該使用者介面顯示該收款人的相關資訊；該驗證模組於接獲該轉帳請求後驗證該轉帳人之身分；驗證通過後，該網址加解密模組產生該轉帳請求專屬之一網址，該網址允許該收款人連結至一對應之網頁；該驗證模組藉由於該網頁輸入的一驗證資訊來驗證該收款人之身分；以及驗證通過後，該轉帳交易模組進行轉帳交易。 In one aspect, the present disclosure provides a network transfer system that is adapted or primarily located at a server end that can be used in an online banking system for a transferee to transfer to a payee. The network transfer system includes a software product that provides a user interface to interact with the transferee, the software product includes an intelligent input module, and a verification module for verifying the transferor and the payee Identity An encryption and decryption module; and a transfer transaction module; wherein the software product requires the transferee to input a contact character information of the payee to trigger a transfer request; the intelligent input module is based on the contact Character information, correspondingly displaying the relevant information of the payee on the user interface; the verification module verifies the identity of the transferee after receiving the transfer request; after the verification is passed, the URL encryption and decryption module generates the The transfer request has a unique website address, the website allows the payee to link to a corresponding webpage; the verification module verifies the identity of the payee by means of a verification information input by the webpage; and after the verification is passed, the transfer The transaction module performs the transfer transaction.
根據本創作，該軟體產品係一使用者端軟體產品，其係提供一使用者介面以與該轉帳人互動。該使用者端軟體產品包括但不限於行動軟體(mobile application,App)。該轉帳請求係可透過該使用者介面傳送至伺服器端之該網路轉帳系統。 According to the present creation, the software product is a client software product that provides a user interface to interact with the transferee. The client software product includes but is not limited to a mobile application (App). The transfer request can be transmitted to the network transfer system of the server through the user interface.
本文中所使用的「聯絡字元資訊」包括但不限於銀行代碼、手機號碼或電子郵件地址。 The "contact character information" used in this document includes, but is not limited to, a bank code, a mobile phone number, or an email address.
根據本創作之較佳具體實施例，在送出轉帳請求前，該軟體產品會要求轉帳人輸入以下資訊：(轉帳人之)轉出帳號、轉帳金額以及收款人的一聯絡字元資訊。該聯絡字元資訊可為，例如，手機號碼或電子郵件地址。對應而言，所述轉帳請求之內容可包括：轉出帳號、轉出金額以及收款人之聯絡字元資訊。 According to a preferred embodiment of the present invention, before the transfer request is sent, the software product asks the transferor to input the following information: (the transferee) to transfer the account number, the transfer amount, and the payee's contact character information. The contact character information can be, for example, a mobile phone number or an email address. Correspondingly, the content of the transfer request may include: transferring the account number, transferring the amount, and the payee's contact character information.
在本創作之一具體實施例中，除了該聯絡字元資訊之外，該軟體產品係進一步要求該轉帳人輸入一轉帳金額，以觸發該轉帳請求。 In a specific embodiment of the present creation, in addition to the contact character information, the software product further requests the transferor to enter a transfer amount to trigger the transfer request.
在另一具體實施例中，若轉帳人輸入的聯絡字元資訊為收款人的收款帳戶的銀行代碼，該智能輸入模組會進一步要求轉帳人輸入該收款帳戶之 帳號。換言之，於此的聯絡字元資訊可為收款帳戶的銀行代碼及帳號，亦可包含於轉帳請求之內容。 In another embodiment, if the contact character information input by the transferee is the bank code of the payee's collection account, the smart input module further requests the transferor to enter the payment account. account number. In other words, the contact character information here may be the bank code and account number of the payment account, and may also be included in the content of the transfer request.
若該收款人亦為所述軟體產品之用戶，該聯絡字元資訊亦可為該收款人於該軟體產品中註冊之ID。 If the payee is also a user of the software product, the contact character information may also be the ID of the payee registered in the software product.
在本創作之一具體實施例中，於該轉帳人之身分驗證通過後，該使用者介面係要求該轉帳人輸入一取款密碼，該取款密碼可由該轉帳人自行設定。 In a specific embodiment of the present invention, after the identity verification of the transferee is passed, the user interface requests the transferee to input a withdrawal password, and the withdrawal password can be set by the transferee.
根據本創作之較佳具體實施例，該網頁係要求收款人輸入收款帳號，該轉帳交易模組會依該收款帳號進行轉帳交易。 According to a preferred embodiment of the present invention, the web page requires the payee to input a payment account, and the transfer transaction module performs a transfer transaction according to the payment account.
根據本創作，該網路轉帳系統可進一步包含一通訊模組，其係用於將該網址及/或該取款密碼藉由一通訊方式提供予該收款人。該通訊方式包括但不限於App通知、簡訊通知或電子郵件通知。在一具體實施例中，該通訊模組係基於該聯絡字元資訊決定該通訊方式。 According to the present invention, the network transfer system can further include a communication module for providing the website and/or the withdrawal password to the payee by means of a communication. This communication method includes but is not limited to App notifications, SMS notifications or email notifications. In a specific embodiment, the communication module determines the communication mode based on the contact character information.
在本創作之部分具體實施例中，該驗證資訊包括該取款密碼。 In some embodiments of the present creation, the verification information includes the withdrawal password.
根據本創作之一較佳具體實施例中，該驗證模組係藉由傳送一次性密碼(OTP)至該轉帳人之個人裝置進行身分之驗證。該轉帳人可於上述使用者端軟體產品之使用者介面輸入該一次性密碼以完成驗證。 According to a preferred embodiment of the present invention, the verification module performs identity verification by transmitting a one-time password (OTP) to the personal device of the transferee. The transferee can enter the one-time password in the user interface of the user-side software product to complete the verification.
根據本創作之較佳具體實施例，在送出轉帳請求前，該軟體產品會要求轉帳人輸入以下資訊：(轉帳人之)轉出帳號、轉出金額以及收款人的一聯絡字元資訊。該聯絡字元資訊可為，例如，手機號碼或電子郵件地址。對應而言，所述轉帳請求之內容可包括：轉出帳號、轉出金額以及收款人之聯絡字元資訊。 According to a preferred embodiment of the present invention, before the transfer request is sent, the software product asks the transfer person to input the following information: (the transferee) to transfer the account number, the transfer amount, and the payee's contact character information. The contact character information can be, for example, a mobile phone number or an email address. Correspondingly, the content of the transfer request may include: transferring the account number, transferring the amount, and the payee's contact character information.
根據本創作，該智能輸入模組可包含：一接收模組，用以接收來自使用者端的一字元資訊；一字元分析模組；及一字元定義資料庫，儲存有預 先決定的複數個字元資訊種類之定義；其中，該字元分析模組用以解析該字元資訊，並與該字元定義資料庫中之資料比對，以決定該字元資訊屬於何一字元資訊種類。 According to the present invention, the smart input module can include: a receiving module for receiving a character information from the user end; a character analysis module; and a character definition database, storing the pre-stored Determining a definition of a plurality of character information types; wherein the character analysis module is configured to parse the character information and compare the data in the character definition database to determine what the character information belongs to A type of information.
在本創作之一具體實施例中，該字元分析模組會根據該字元定義資料庫中預先決定的複數個字元資訊種類之定義，搜尋該字元資訊中之特定關鍵字，以進行該比對。 In a specific embodiment of the present invention, the character analysis module searches for a specific keyword in the character information according to the definition of the predetermined plurality of character information types in the database. The comparison.
另一方面，本創作提供一種網路轉帳方法，其可用於一網路銀行系統以供一轉帳人轉帳予一收款人。該方法包含：一軟體產品，其提供一使用者介面以與該轉帳人互動，該軟體產品包括一智能輸入模組，該軟體產品要求該轉帳人輸入該收款人的一聯絡字元資訊，以觸發一轉帳請求；該智能輸入模組係根據該聯絡字元資訊，對應地於該使用者介面顯示該收款人的相關資訊；一驗證模組於接獲該轉帳請求後驗證該轉帳人之身分；驗證通過後，一網址加解密模組產生該轉帳請求專屬之一網址，該網址允許該收款人連接至一對應之網頁；該驗證模組藉由於該網頁輸入的一驗證資訊來驗證該收款人之身分；以及一轉帳交易模組於收款人之身分驗證通過後進行轉帳交易。 In another aspect, the present disclosure provides a network transfer method that can be used in an online banking system for a transferee to transfer to a payee. The method comprises: a software product, which provides a user interface for interacting with the transferee, the software product comprising an intelligent input module, the software product requiring the transfer person to input a contact character information of the payee, To trigger a transfer request; the smart input module displays corresponding information of the payee correspondingly to the user interface according to the contact character information; and the verification module verifies the transfer person after receiving the transfer request After the verification is passed, a URL encryption and decryption module generates a website address of the transfer request, which allows the payee to connect to a corresponding webpage; the verification module is based on a verification information input by the webpage. Verify the identity of the payee; and a transfer transaction module performs the transfer transaction after the recipient's identity is verified.
在另一具體實施例中，該使用者介面於該轉帳人身分驗證通過後，要求該轉帳人輸入一取款密碼。 In another embodiment, the user interface asks the transferee to enter a withdrawal password after the transferee identity verification is passed.
在本創作之較佳具體實施例中，該網頁要求收款人輸入收款帳號。 In a preferred embodiment of the present invention, the web page asks the payee to enter a payment account number.
根據本創作之部分具體實施例，該網路轉帳方法進一步包含：一通訊模組藉由一通訊方式提供該網址及/或該取款密碼予該收款人。該通訊方式包括但不限於App通知、簡訊通知或電子郵件通知。在一具體實施例中，該驗證資訊包括該取款密碼。 According to some embodiments of the present invention, the network transfer method further includes: a communication module providing the website address and/or the withdrawal password to the payee by means of a communication method. This communication method includes but is not limited to App notifications, SMS notifications or email notifications. In a specific embodiment, the verification information includes the withdrawal password.
在本創作之一具體實施例中，該驗證模組傳送一次性密碼(OTP)至該轉帳人之個人裝置以進行身分驗證。該轉帳人可於上述使用者端軟體產品之使用者介面輸入該一次性密碼以完成驗證。 In one embodiment of the present invention, the verification module transmits a one-time password (OTP) to the transferee's personal device for identity verification. The transferee can enter the one-time password in the user interface of the user-side software product to complete the verification.
根據本創作，該智能輸入模組可包含：一接收模組，用以接收來自使用者端的一字元資訊；一字元分析模組；及一字元定義資料庫，儲存有預先決定的複數個字元資訊種類之定義；其中，該字元分析模組用以解析該字元資訊，並與該字元定義資料庫中之資料比對，以決定該字元資訊屬於何一字元資訊種類。 According to the present invention, the smart input module can include: a receiving module for receiving a character information from the user end; a character analysis module; and a character definition database storing a predetermined plural a definition of a type of character information; wherein the character analysis module is configured to parse the character information and compare the data in the character definition database to determine which character information the character information belongs to kind.
在本創作之一具體實施例中，該字元分析模組會根據該字元定義資料庫中預先決定的複數個字元資訊種類之定義，搜尋該字元資訊中之特定關鍵字，以進行該比對。例如，所述複數個字元資訊種類包括銀行代碼、手機號碼或電子郵件地址。 In a specific embodiment of the present invention, the character analysis module searches for a specific keyword in the character information according to the definition of the predetermined plurality of character information types in the database. The comparison. For example, the plurality of character information types include a bank code, a mobile phone number, or an email address.
可選地，本創作之網路轉帳系統於交易完成後可傳送相關訊息通知該使用者(付款人或轉帳人)。較佳地，該轉帳請求專屬之網址具有時效性，例如，僅在24小時內有效。 Optionally, the network transfer system of the present creation may transmit a related message to the user (payer or transferor) after the transaction is completed. Preferably, the URL of the transfer request is time-sensitive, for example, valid only within 24 hours.
較佳地，本創作之網路轉帳系統可於收款人於連結至該網址之對應網頁並輸入該取款密碼後，才顯示該筆轉帳交易之金額，並可允許收款人自行選擇收款銀行及帳號。 Preferably, the network transfer system of the present invention displays the amount of the transfer transaction after the payee connects to the corresponding webpage of the website and inputs the withdrawal password, and allows the payee to select the payment by himself. Bank and account number.
具體而言，所述驗證模組、網址加解密模組、轉帳交易模組、通訊模組及智能輸入模組等皆可透過程式設計或軟體技術實現。 Specifically, the verification module, the website encryption and decryption module, the transfer transaction module, the communication module, and the intelligent input module can be implemented by programming or software technology.
現參照圖1說明本創作之網路轉帳系統的一較佳具體實施例如下。 Referring now for example, a preferred embodiment DETAILED DESCRIPTION Creation of the present transfer system network of FIG.
如圖1之系統架構圖所示，本創作之網路轉帳系統主要設於一伺服器端100，該網路轉帳系統可用於一網路銀行系統以供一轉帳人轉帳予一收款人。在本具體實施例中，所述網路轉帳系統包含一驗證模組10、一軟體產品15、 一網址加解密模組20、一轉帳交易模組30以及一通訊模組40。該驗證模組10係用以驗證該轉帳人及該收款人之身分。一軟體產品15係包括一智能輸入模組16。轉帳人可於其個人裝置(例如，智慧型手機)上安裝該軟體產品15。欲轉帳時，該軟體產品15係要求該轉帳人輸入一轉帳金額及該收款人的一聯絡字元資訊，以觸發一轉帳請求50。可透過該軟體產品15之使用者介面傳送轉帳請求50至該伺服器端100。另外，該智能輸入模組16係根據該聯絡字元資訊，對應地於該使用者介面顯示該收款人的相關資訊。例如，若該聯絡字元資訊為手機號碼或電子郵件地址，且手機號碼或電子郵件地址屬於轉帳人之個人裝置儲存的一聯絡人，則顯示該聯絡人之姓名，以利轉帳對象之確認。該驗證模組10於接獲該轉帳請求50後會驗證該轉帳人之身分。在本具體實施例中，該驗證模組10係產生並傳送一個一次性密碼至該轉帳人之個人裝置，以進行身分驗證。該轉帳人可於軟體產品15的使用者介面輸入所接獲的一次性密碼以完成驗證。驗證通過後，該網址加解密模組20產生該轉帳請求專屬之一網址(URL)，該網址可允許收款人連結至一對應之網頁22。此外，該使用者介面係要求該轉帳人輸入一取款密碼，該取款密碼可由該轉帳人自行設定。接著，該通訊模組40係藉由一通訊方式提供該網址及該取款密碼予該收款人。該通訊方式可基於轉帳人所輸入的聯絡字元資訊來決定。該驗證模組10藉由於該網頁22輸入的一驗證資訊60來驗證該收款人之身分，該網頁22並要求收款人輸入收款帳號。在本具體實施例中，該驗證資訊60即為該取款密碼。驗證通過後，該轉帳交易模組30即依該轉帳請求50及該收款帳號進行轉帳交易。 As shown in the system architecture diagram of FIG. 1 , the network transfer system of the present invention is mainly disposed at a server end 100 , and the network transfer system can be used in an online banking system for a transferee to transfer to a payee. In the embodiment, the network transfer system includes a verification module 10 , a software product 15 , a URL encryption and decryption module 20 , a transfer transaction module 30, and a communication module 40 . The verification module 10 is used to verify the identity of the transferor and the payee. A software product 15 includes an intelligent input module 16 . Install the software product 15 can transfer their personal device person (e.g., smartphones) on. To transfer funds, the software product 15 requires the transferee to enter a transfer amount and a contact character information of the payee to trigger a transfer request 50 . The transfer request 50 can be transmitted to the server end 100 through the user interface of the software product 15 . In addition, the smart input module 16 displays the related information of the payee correspondingly to the user interface according to the contact character information. For example, if the contact character information is a mobile phone number or an email address, and the mobile phone number or email address belongs to a contact stored by the transferee's personal device, the contact person's name is displayed to facilitate the confirmation of the transfer object. The verification module 10 verifies the identity of the transferee after receiving the transfer request 50 . In this embodiment, the verification module 10 generates and transmits a one-time password to the personal device of the transferee for identity verification. The transferee can input the received one-time password in the user interface of the software product 15 to complete the verification. After the verification is passed, the URL encryption/decryption module 20 generates a URL (URL) unique to the transfer request, which allows the payee to connect to a corresponding web page 22 . In addition, the user interface requires the transferee to input a withdrawal password, which can be set by the transferee. Then, the communication module 40 provides the website address and the withdrawal password to the payee by means of a communication method. The communication method can be determined based on the contact character information input by the transfer person. The verification module 10 to the web 22 by a 60 input authentication information to verify the identity of the payee, the payee page 22 and enter the required payment account. In the specific embodiment, the verification information 60 is the withdrawal password. After the verification is passed, the transfer transaction module 30 performs the transfer transaction according to the transfer request 50 and the receipt account.
本創作之網路轉帳方法可配合本創作之網路轉帳系統實現，同時參照圖1及圖2詳述如下。 The network transfer method of the present invention can be implemented in conjunction with the network transfer system of the present creation, and is described in detail below with reference to FIGS. 1 and 2 .
圖2為對應於本創作之網路轉帳方法的一較佳具體實施例之流程圖。如圖1-2所示，本創作之網路轉帳方法，可用於一網路銀行系統以供一轉帳 人轉帳予一收款人，其包含以下步驟：一軟體產品15，其提供一使用者介面以與該轉帳人互動，該軟體產品15包括一智能輸入模組16，該軟體產品15要求該轉帳人輸入一轉帳金額及該收款人的一聯絡字元資訊，以觸發一轉帳請求50(步驟S205)；該智能輸入模組16根據該聯絡字元資訊，對應地於該使用者介面顯示該收款人的相關資訊(步驟S215)；一驗證模組10於接獲一轉帳請求50後驗證該轉帳人之身分(步驟S210)；驗證通過後，一網址加解密模組20產生該轉帳請求專屬之一網址，該網址允許該收款人連接至一對應之網頁22(步驟S220)；一通訊模組40藉由一通訊方式提供該網址予該收款人(步驟S225)；該驗證模組10藉由於該網頁22輸入的一驗證資訊60來驗證該收款人之身分(步驟S230)；以及一轉帳交易模組30於收款人之身分驗證通過後進行轉帳交易(步驟S240)。在一實例中，該驗證資訊60包括一取款密碼，其係由轉帳人設定並經由該通訊模組40提供予該收款人。 2 is a flow chart of a preferred embodiment of a network transfer method corresponding to the present invention. As shown in FIG. 1-2 , the network transfer method of the present invention can be used in an online banking system for a transferee to transfer to a payee, which includes the following steps: a software product 15 providing a user The interface interacts with the transferee, the software product 15 includes an intelligent input module 16 , and the software product 15 requests the transfer person to input a transfer amount and a contact character information of the payee to trigger a transfer request 50. (Step S205 ); the smart input module 16 correspondingly displays the relevant information of the payee on the user interface according to the contact character information (step S215 ); and the verification module 10 receives a transfer request 50. After verifying the identity of the transferee (step S210 ); after the verification is passed, a website encryption/decryption module 20 generates a website address exclusive to the transfer request, the website allows the payee to connect to a corresponding web page 22 (step S220 ) A communication module 40 provides the website to the payee by means of a communication method (step S225 ); the verification module 10 verifies the identity of the payee by using a verification information 60 input by the web page 22 (step S230); and a switch Trading module 30 to verify the identity of the payee funds transfer transaction (step S240) after the adoption. In one example, the verification information 60 includes a withdrawal password that is set by the transferee and provided to the payee via the communication module 40 .
在一實例中，本創作之智能輸入模組係允許使用者於行動裝置輸入擬轉帳銀行之代碼，系統會自動辨識是否為有效銀行代碼，並且自動帶出該銀行之中文名稱，使用者介面可進一步顯示輸入銀行代碼的欄位，讓使用者輸入有效的銀行代碼。在另一實例中，本創作之智能輸入模組係允許使用者於行動裝置輸入擬轉帳對象之手機號碼，若該手機號碼屬於該行動裝置有儲存的聯絡人，可顯示該聯絡人的姓名以利轉帳對象之確認。在另一實例中，本創作之智能輸入模組係允許使用者於行動裝置輸入擬轉帳對象之電子郵件地址，若該電子郵件地址屬於該行動裝置有儲存的聯絡人，可顯示該聯絡人的姓名以利轉帳對象之確認。 In an example, the intelligent input module of the creation allows the user to input the code of the bank to be transferred to the mobile device, and the system automatically recognizes whether it is a valid bank code, and automatically brings out the Chinese name of the bank, and the user interface can be Further display the field for entering the bank code to allow the user to enter a valid bank code. In another example, the smart input module of the present invention allows the user to input the mobile phone number of the object to be transferred to the mobile device. If the mobile phone number belongs to a contact person stored in the mobile device, the name of the contact person may be displayed. Confirmation of the transfer account. In another example, the smart input module of the present invention allows the user to input the email address of the intended transfer object on the mobile device, and if the email address belongs to the contact device of the mobile device, the contact may be displayed. The name is confirmed by the transferee.
在一實例中，使用者於行動裝置輸入擬轉帳對象之帳號，本創作之網路轉帳系統會判斷其為約定轉帳或非約定轉帳，並檢核相對應可以授予的金額，如為約定轉帳，則啟用行動金鑰一次性密碼(OTP)的安全認證機制進行 交易認證(例如，於使用者介面輸入一次性密碼)，並完成該筆交易。在另一實例中(非約定轉帳)，使用者於行動裝置輸入擬轉帳對象之手機號碼(一聯絡字元資訊)，本創作之網路轉帳系統允許使用者輸入一取款密碼，並可選擇以何種方式將該取款密碼傳輸給收款人(例如，若收款人之行動裝置亦安裝有包括本創作之網路轉帳系統之網路銀行App，可透過本創作之系統傳輸，或者使用者可選擇自行以簡訊或其他通訊軟體等傳輸該取款密碼)，以增交易安全性(亦可進一步以行動金鑰一次性密碼(OTP)進行安全認證機制)，另外，本創作之網路轉帳系統之網址加解密模組會產生一個一次性的本次轉帳專屬網址(URL)自動透過該手機號碼(例如，簡訊)或其他方式傳輸給收款人；其後，收款人可藉由其行動裝置(手機)連結至該專屬網址之對應網頁，並於輸入該取款密碼後完成此筆轉帳交易。在另一實例中(非約定轉帳)，使用者於行動裝置輸入擬轉帳對象之電子郵件地址(轉帳請求所包含的資訊之一)，本創作之網路轉帳系統允許使用者輸入一取款密碼，並可選擇以何種方式將該取款密碼傳輸給收款人(例如，若收款人之行動裝置亦安裝有本創作之網路轉帳系統，可透過本創作之系統傳輸，或者使用者可選擇自行以簡訊或其他通訊軟體等傳輸該取款密碼)，以增交易安全性(亦可進一步以行動金鑰一次性密碼(OTP)進行安全認證機制)，另外，本創作之網路轉帳系統之網址加解密模組會產生一個一次性的專屬網址(URL)自動透過該電子郵件地址或其他方式(例如，來自使用者之行動裝置中與該電子郵件地址相對應的收款聯絡資訊)傳輸給收款人；其後，收款人可藉由其行動裝置或電腦連結至該專屬網址之對應網頁，並於輸入該取款密碼後完成此筆轉帳交易。 In an example, the user inputs the account of the object to be transferred to the mobile device, and the network transfer system of the creation judges that it is an agreed transfer or a non-contract transfer, and checks the corresponding amount that can be granted, for example, for the transfer of the agreement, Enable the action key one-time password (OTP) security authentication mechanism Transaction authentication (for example, entering a one-time password in the user interface) and completing the transaction. In another example (non-contract transfer), the user inputs the mobile phone number (a contact character information) of the object to be transferred to the mobile device, and the network transfer system of the author allows the user to input a withdrawal password and can select How to transfer the withdrawal password to the payee (for example, if the payee's mobile device is also installed with an online banking application including the created network transfer system, it can be transmitted through the system of the creation, or the user You can choose to transfer the withdrawal password by SMS or other communication software to increase transaction security (you can further secure the authentication mechanism with the Action Key One-Time Password (OTP)). In addition, the network transfer system of this creation The URL encryption and decryption module will generate a one-time transfer URL (URL) that is automatically transmitted to the payee through the mobile number (for example, a newsletter) or other means; thereafter, the payee can act through it The device (mobile phone) is linked to the corresponding webpage of the exclusive website, and the transfer transaction is completed after the withdrawal password is input. In another example (non-contract transfer), the user enters the email address of the intended transfer object (one of the information included in the transfer request) on the mobile device, and the network transfer system of the creation allows the user to input a withdrawal password. And the method of transmitting the withdrawal password to the payee (for example, if the payee's mobile device is also equipped with the created network transfer system, it can be transmitted through the system of the creation, or the user can select Self-transfer the withdrawal password by SMS or other communication software, etc.) to increase transaction security (you can further secure the authentication mechanism with the Action Key One-Time Password (OTP)). In addition, the URL of the network transfer system of this creation The encryption and decryption module will generate a one-time dedicated URL (URL) to automatically transmit to the email address or other means (for example, the payment contact information corresponding to the email address from the user's mobile device). The payee can then connect to the corresponding webpage of the exclusive website by his mobile device or computer and complete the transfer after entering the withdrawal password. Easy.
在一實例中，轉帳人端之相關流程包括：使用者(轉帳人)於本創作之網路轉帳系統之行動裝置App使用者介面輸入擬轉帳對象之手機號碼；使用者可自訂一組取款密碼，並提供給收款人進行認證；App端會呼叫本創作之網 路轉帳系統之伺服器端，確認是否本人執行此筆轉帳交易(例如，藉由一次性密碼(OTP)等方式)；App端之通訊模組通知收款人該取款密碼；該通訊模組會將轉帳資訊(包括伺服器端產生之一次性的專屬網址)以簡訊傳送給收款人，待收款人於一定時間內(例如，24小時內)進行取款。收款人端之相關流程則包括：收款人收到來自轉帳人的轉帳通知，其中含有該專屬網址；點選該網址，進入收款頁面，填寫該取款密碼及圖形驗證碼；填寫收款人的帳戶的銀行代碼、帳號；收款人收到款項後，系統可自動通知轉帳人此筆交易已完成。 In an example, the related process of the transfer terminal includes: the user (transfer) inputs the mobile phone number of the object to be transferred in the mobile device user interface of the created network transfer system of the author; the user can customize a group of withdrawals The password is provided to the payee for authentication; the App will call the creation network. The server side of the money transfer system confirms whether the person performs the transfer transaction (for example, by one-time password (OTP), etc.); the communication module of the App side notifies the payee of the withdrawal password; the communication module will The transfer information (including the one-time exclusive URL generated by the server) is sent to the payee in a short message, and the payee makes a withdrawal within a certain period of time (for example, within 24 hours). The relevant process of the payee side includes: the payee receives the transfer notice from the transfer person, which contains the exclusive website address; click the website address, enter the collection page, fill in the withdrawal password and the graphic verification code; fill in the payment The bank code and account number of the person's account; after the payee receives the payment, the system can automatically notify the transferor that the transaction has been completed.
100‧‧‧伺服器端 100 ‧‧‧Server side
10‧‧‧驗證模組 10 ‧‧‧ verification module
15‧‧‧軟體產品 15 ‧‧‧Software products
16‧‧‧智能輸入模組 16 ‧‧‧Smart Input Module
20‧‧‧網址加解密模組 20 ‧‧‧Website encryption and decryption module
22‧‧‧網頁 22 ‧‧‧Webpage
30‧‧‧轉帳交易模組 30 ‧‧‧Transfer Transaction Module
40‧‧‧通訊模組 40 ‧‧‧Communication Module
50‧‧‧轉帳請求 50 ‧‧‧Transfer request
60‧‧‧驗證資訊 60 ‧‧‧Verification information
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| TW105125074A TWI638326B (en) | 2016-04-26 | 2016-08-05 | Method of prelogin preview for online bank and system thereof |
| TW105211929U TWM534393U (en) | 2016-04-26 | 2016-08-05 | System of prelogin preview for online bank |
| TW105211928U TWM535366U (en) | 2016-04-26 | 2016-08-05 | Online fund transfer system |
| TW105125073A TWI640938B (en) | 2016-04-26 | 2016-08-05 | Online fund transfer methods and systems |
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| TW105120465A TWI607402B (en) | 2016-04-26 | 2016-06-29 | Online fund transfer methods and systems |
| TW105209756U TWM536774U (en) | 2016-04-26 | 2016-06-29 | Online fund transfer system |
| TW105125074A TWI638326B (en) | 2016-04-26 | 2016-08-05 | Method of prelogin preview for online bank and system thereof |
| TW105211929U TWM534393U (en) | 2016-04-26 | 2016-08-05 | System of prelogin preview for online bank |
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| TWI607402B (en) * | 2016-04-26 | 2017-12-01 | 台新國際商業銀行股份有限公司 | Online fund transfer methods and systems |
| TWI810435B (en) * | 2020-02-20 | 2023-08-01 | 財金資訊股份有限公司 | System and method for mobile phone number transfer agreement |
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| US20010049606A1 (en) * | 2000-06-05 | 2001-12-06 | Bruno Lucarelli | Online collectible authentication and ownership system |
| US8016185B2 (en) * | 2004-07-06 | 2011-09-13 | Visa International Service Association | Money transfer service with authentication |
| US20100044430A1 (en) * | 2005-01-03 | 2010-02-25 | Yuh-Shen Song | Automated Remittance Network |
| CN1667632A (en) * | 2005-05-08 | 2005-09-14 | 郑茵 | Method of mobile payment based on payment confirmation codes |
| US7699217B1 (en) * | 2005-08-31 | 2010-04-20 | Chan Hark C | Authentication with no physical identification document |
| TWI347560B (en) * | 2007-12-31 | 2011-08-21 | Wen Fu Huang | A method of mobile payment for autheniication and authorization using public communications network. |
| CN101324950A (en) * | 2008-07-23 | 2008-12-17 | 中国建设银行股份有限公司 | Method and system for implementing transfer accounts by mobile phone |
| CN101930725A (en) * | 2009-12-09 | 2010-12-29 | 杭州华三通信技术有限公司 | Method and device for displaying character |
| CN102754462B (en) * | 2010-05-12 | 2016-05-11 | 中兴通讯股份有限公司 | A kind ofly realize method and the business platform that mobile terminal is transferred accounts |
| US8494962B2 (en) * | 2010-09-24 | 2013-07-23 | Skc&C Usa, Inc. | Method and system for secure mobile remittance |
| JP5783960B2 (en) * | 2012-06-28 | 2015-09-24 | 株式会社 ゆうちょ銀行 | Information processing apparatus, information processing method, information processing system, and program |
| US8959032B2 (en) * | 2012-10-10 | 2015-02-17 | Quisk, Inc. | Self-authenticating peer to peer transaction |
| US9027109B2 (en) * | 2013-02-28 | 2015-05-05 | Citibank, N.A. | Methods and systems for accessing account information electronically |
| JP5984727B2 (en) * | 2013-03-28 | 2016-09-06 | 株式会社 ゆうちょ銀行 | Information processing apparatus, information processing method, and program |
| CN105101196B (en) * | 2014-05-06 | 2018-11-02 | 阿里巴巴集团控股有限公司 | A kind of user account management method and device |
| CN104361521B (en) * | 2014-11-03 | 2018-04-06 | 上海众人网络安全技术有限公司 | Electronic remittance system and electronic exchange method based on mobile terminal |
| TWI607402B (en) * | 2016-04-26 | 2017-12-01 | 台新國際商業銀行股份有限公司 | Online fund transfer methods and systems |
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- 2016-06-29 TW TW105209756U patent/TWM536774U/en unknown
- 2016-08-05 TW TW105125074A patent/TWI638326B/en active
- 2016-08-05 TW TW105211929U patent/TWM534393U/en unknown
- 2016-08-05 TW TW105211928U patent/TWM535366U/en unknown
- 2016-08-05 TW TW105125073A patent/TWI640938B/en active
Also Published As
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| TWI638326B (en) | 2018-10-11 |
| TWI640938B (en) | 2018-11-11 |
| TWI607402B (en) | 2017-12-01 |
| TW201721541A (en) | 2017-06-16 |
| TWM534393U (en) | 2016-12-21 |
| TW201721542A (en) | 2017-06-16 |
| TW201721559A (en) | 2017-06-16 |
| TWM536774U (en) | 2017-02-11 |
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