TWM555991U - Account conversion device and account conversion system - Google Patents

Description

Special account conversion device and account conversion system

The present invention relates to a special account conversion device and a special account conversion system, in particular to a special account conversion device and a special account capable of integrating the online banking application and the monthly deposit of two information sources and depositing the trust funds into the designated special account. Conversion system.

In recent years, with the convenience of network transmission, the speed of information transmission has been increasing, and financial related businesses have become increasingly networked. For banks or corporate employees to apply for account conversion through online banking, since the employee online banking application and the monthly deposit are in different procedures (ie different information sources) in the existing system, they can only be manually compared. Individual methods are set to the employee's information and investment portfolio, so that the account can be correctly judged, which not only takes time, but also increases labor costs.

Therefore, the purpose of the present invention is to provide a special account conversion device that can integrate the online banking application and the monthly deposit of two information sources and deposit the trust funds into the designated account.

Therefore, the new subscriber conversion device comprises a transceiver module and a processing module connected to the transceiver module, the transceiver module receives a special account conversion request, and the processing module performs a deposit according to the type of the account conversion request. Conversion between a special account and an investment account.

Further, when the processing module determines that the account conversion request is converted from a deposit-type account to an investment-type account, and the transceiver module receives a risk analysis information and an investment setting information, the processing module will be a deposit-type account. The amount in the transfer to the investment account.

In an embodiment, the account conversion device further includes a check module for connecting the transceiver module and the processing module, and the processing module is configured to receive the risk analysis information and the investment setting information in the transceiver module, and the check module is checked. After the risk analysis information and the investment setting information are verified, the amount in the deposit-type account will be transferred to the investment-type account. In detail, the verification module communicates with a trust data server, and the verification module cooperates with the trust data server to check risk analysis information and investment setting information.

In an embodiment, the transceiver module further communicates with a trust data server, and receives the risk analysis information and the investment setting information in the transceiver module, and the processing module transmits the risk analysis information and the investment setting information to the transceiver module through the transceiver module. The trust data server checks, and after the trust data server checks the correct, the processing module transfers the amount in the deposit-type account to the investment-type account.

In an embodiment, when the processing module determines that the account conversion request is converted from an investment account to a deposit account, the processing module transfers the amount of at least one investment target sold or redeemed in the investment account. Deposit-type account.

In addition, another purpose of the present invention is to provide a special account conversion system that can integrate the online banking application and the monthly deposit of two information sources and deposit the trust funds into the designated account.

The new account conversion system comprises a special account conversion device and a trust data server. The special account conversion device comprises a transceiver module, a processing module connected to the transceiver module, and a connection transceiver module and a processing module. The check module, the trust data server communicates with the check module, the transceiver module is a special account conversion request, and when the processing module determines that the account conversion request is converted from a deposit type account to an investment type account And the receiving module receives a risk analysis information and an investment setting information, and the checking module cooperates with the trust data server to check the risk analysis information and the investment setting information, and after the check is correct, the processing module will deposit the type The amount in the special account is transferred to the investment account.

In an embodiment, when the processing module determines that the account conversion request is converted from an investment account to a deposit account, the processing module sells or redeems at least one investment target in the investment account. Transfer to a deposit account.

Furthermore, another embodiment of the new subscriber conversion system can include a subscriber conversion device and a trust data server. The subscriber conversion device includes a transceiver module and a processing module for connecting the transceiver module. The data server communicates with the transceiver module, and the transceiver module is a special account conversion request. When the processing module determines that the account conversion request is converted from a deposit type account to an investment type account, and the transceiver module receives one The risk analysis information and an investment setting information, the processing module transmits the risk analysis information and the investment setting information to the trust data server through the transceiver module for checking, and after the trust data server checks the correct, the processing module will deposit The amount in the special account is transferred to the investment account.

In an embodiment, when the processing module determines that the account conversion request is converted from an investment account to a deposit account, the processing module transfers the amount of at least one investment target sold or redeemed in the investment account. Deposit-type account.

In addition, a further embodiment of the new subscriber conversion system can include a subscriber conversion device and a trust data server. The subscriber conversion device includes a transceiver module, the trust data server communicates with the transceiver module, and the transceiver module The group receives a special account conversion request, and when the trust data server determines that the account conversion request is converted from a deposit-type account to an investment-type account, and receives a risk analysis information and an investment setting information at the transceiver module, The trust data server checks the risk analysis information and the investment setting information, and after the check is correct, the trust data server transfers the amount in the deposit type account to the investment type account. In an embodiment, when the trust data server determines that the account conversion request is converted from an investment account to a deposit account, the information on the number of shares or units to be sold or redeemed is generated and executed in the transaction. Upon completion, the amount of at least one investment target sold or redeemed in the investment account will be transferred to the deposit account.

The effect of the new model is that it can integrate the two sources of "employee online banking application" and "monthly deposit", and through the multi-layer checking conditions of the trust system, the two information sources and the trust system data are interactively compared and the original specialization is completed. The household settlement and the new special account are deposited into the single processing flow of the transaction.

Before the present invention is described in detail, it should be noted that in the following description, similar elements are denoted by the same reference numerals.

Referring to Figure 1, a first embodiment of the new subscriber conversion system is a series of information sources of "employee online banking application" and "monthly deposit", and is processed by the trust system. The employee (or user) instructs the deposit of the trust funds to the designated account to implement a single process.

In this embodiment, the account conversion system includes a special account conversion device 100 and a trust data server 200 that communicates with the account conversion device 100.

The special account conversion device 100 can be a background server or a host located at the bank end (or the enterprise end), and includes a transceiver module 10 and a processing module 20 connected to the transceiver module 10.

The transceiver module 10 is configured to receive/send a special account conversion request, and the account conversion request can be sent by the employee (or the user) through the bank website (Internet banking) or the application on the mobile device (Mobile Internet Banking APP). The processing module 20 is configured to perform a special account conversion between a deposit-type account and an investment-type account according to the type of the account conversion request.

When the bank (or the enterprise) provides the first deposit of the employee (or the user), since the setting has not been previously performed for the account conversion, in the embodiment, the processing module 20 presets the first pen. The deposit is deposited into the deposit account of the employee.

When the employee has a deposit-type account and performs a "special account conversion application" on the online banking, if the processing module 20 determines that the account conversion request is converted from a deposit-type account to an investment-type account, the processing module 20 Transfer the amount in the deposit-type account to the investment-type account based on a risk analysis information and an investment setting information. In detail, in order to comply with the relevant laws and regulations of the trust, the system needs to complete the "risk attribute analysis" and "investment portfolio setting" before the deposit-type account settlement will be transferred to the investment-type account. Therefore, the transceiver module 10 will First, a risk analysis information and an investment setting information are received, and the information is transmitted to an inspection module 30 that connects the transceiver module 10 and the processing module 20. The processing module 20 is checked by the inspection module 30. After the risk analysis information and investment setting information are correct, the amount in the deposit-type account will be transferred to the investment-type account.

In addition, risk analysis information refers to parameters or information related to risk attribute analysis, such as: applicant basic information and financial background, income and source of funds, investment experience (including investment time and investment goods), risk preference (conservative Type, robust, positive type, estimated investment period, etc.; investment setting information refers to the investment portfolio or the investment target or information related to the investment portfolio, which is set according to the respective amount or proportion of the monthly fixed or variable deposit amount. The subject of investment can be, for example, stocks, bonds, funds, deposits, or package-type targets tailored to individual customers (combined funds like fund of fund), and each of the targets can be subdivided according to the deposit items. For example, public promotion, self-raising, special allocation, annual allocation, etc. In addition, the verification module 30 of the embodiment communicates with the trust data server 200, and the trust data server 200 is located in a trust company or unit, which is mainly a staff account detailed account system, and records each customer and employee. The balance of the day's cash and the number of shares held / the number of units held, and the record of retained financial assets transactions, such as: account, account, interest, purchase, redemption, tax treatment, etc., as well as the basics of personal investment Information, such as: identity card number, name, address, stock code, subject name, issuer, price, exchange rate, etc. The verification module 30 uses the trust data server 200 to check risk analysis information and investment setting information.

When the bank (or the enterprise) provides the second deposit of the employee (or the user), the processing module 20 determines whether the "special account conversion application" has been executed in the current month and completes the "investment portfolio setting", and if so, Then deposit the second deposit with the previously settled amount (the first deposit) into the investment account for investment; if not, deposit the second deposit into the deposit account.

When an employee has an investment-type account and performs a "special account conversion application" on the online banking, if the processing module 20 determines that the account conversion request is converted from an investment-type account to a deposit-type account, there is no need to control at this time. For "risk attribute analysis" and "investment portfolio setting", the processing module 20 will directly settle the investment account (the first deposit and the second deposit) and sell or redeem at least one investment target. The amount is transferred to the deposit-type account.

When the bank (or the enterprise) provides the third deposit of the employee (or user), the processing module 20 determines whether the "special account conversion application" has been executed in the current month, and if the account conversion request is a transfer deposit For the type of account, the processing module 20 will directly deposit the third deposit into the deposit-type account without checking the "investment portfolio setting".

In other words, the processing module 20 performs a special account conversion between the deposit-type account and the investment-type account according to the type of the account conversion request, and determines that the account conversion request is converted from the deposit-type account to the investment-type account. In the case of the user, the processing module 20 first needs to check the "risk attribute analysis" and "investment portfolio setting", and after the check is correct, the amount in the deposit-type account is transferred to the investment type. If it is determined that the account conversion request is converted from an investment account to a deposit account, the processing module 20 will directly settle the investment account and transfer it to the deposit account, so as to achieve the tandem connection. Two sources of information, namely, the employee online banking application and the monthly deposit, and the trust funds are deposited into the designated account according to the instructions of the employee (or user) to realize a single processing operation. In particular, subsequent financial transactions (eg, order placement, redemption, etc.) after the conversion of the account can be performed by the processing module 20, or by financial institutions such as banks, securities firms, fund companies, and the like.

Referring to FIG. 2, a second embodiment of the special account conversion system is substantially the same as the first embodiment. The difference is that the verification module 30 in the special account conversion device 100 of the first embodiment can be integrated into In the trust data server 200, the processing module 20 transmits the risk analysis information and the investment setting information to the trust data server 200 through the transceiver module 10 for verification, and after the trust data server 200 checks the correctness, the processing is processed. Module 20 transfers the amount in the deposit-type account to the investment account.

Referring to FIG. 3, a third embodiment of the special account conversion system is substantially the same as the first embodiment. The difference is that the processing module 20 and the check mode in the account conversion device 100 of the first embodiment are different. The group 30 can be integrated in the trust data server 200, so that when the trust data server 200 determines that the account conversion request is converted from a deposit-type account to an investment-type account, and receives a risk analysis at the transceiver module 10 The information and the investment setting information, the trust data server 200 checks the risk analysis information and the investment setting information, and after the check is correct, the trust data server 200 transfers the amount in the deposit type account to the investment. Type account.

Referring to FIG. 4, it is an operation flow of the account conversion system of the above embodiment. In step S10, when the trust data server 200 receives the "monthly deposit request" or the "monthly deposit into the trust system", the employee (or user) can issue a special account through the network or mobile online banking. Application.

In step S20, after the transceiver module 10 receives a special account conversion request, the processing module 20 (first and second embodiments) or the trust data server 200 (the third embodiment) determines whether there is an application for executing the account conversion in the current month. If yes, it means that the employee has established an investment-type account, so step S30 is performed; if not, it means that the employee only has a deposit-type account (preset), so step S80 is executed to transfer the deposit to the deposit type. Special account.

Step S30, the processing module 20 (first and second embodiments) or the trust data server 200 (the third embodiment) determines whether the account conversion request is converted into an investment account by the deposit type account, and if so, executes Step S40; if not, it means that the account conversion request is converted into a deposit-type account for the investment-type account, so step S70 and step S80 are executed, the investment-type account is settled, and the deposit is transferred to the deposit-type account.

In step S40, the processing module 20 (first and second embodiments) or the trust data server 200 (the third embodiment) determines whether the employee has a set investment portfolio and fills in a risk attribute analysis, that is, whether the transceiver module 10 receives the message. Risk analysis information and investment setting information, and check by the verification module 30 (first embodiment) or the trust data server 200 (second and third embodiments), if yes (checked correctly), execute In step S50 and step S60, the deposit-type account is settled and the deposit is transferred to the investment-type account; if not (the check is incorrect or the risk analysis information or the investment setting information is not received), step S80 is performed, and the deposit is performed. Gold transferred to deposit-type account.

To sum up, the new account conversion system integrates the information sources of the "Employee Online Banking Application" and the "Monthly Deposit Fund" and allows the two information sources and the trust system to interact with each other through the multi-layer checking conditions of the trust system. In comparison, the original processing of the original account settlement and the new special account deposit transaction is completed, so the purpose of the novel can be achieved.

However, the above is only the embodiment of the present invention, and when it is not possible to limit the scope of the present invention, all the simple equivalent changes and modifications according to the scope of the patent application and the contents of the patent specification are still This new patent covers the scope.

100‧‧‧ special account conversion device
10‧‧‧ transceiver module
20‧‧‧Processing module
30‧‧‧Checkout module
200‧‧‧trust data server
S10～S80‧‧‧Steps

Other features and effects of the present invention will be apparent from the following description of the drawings, wherein: FIG. 1 is a schematic block diagram of a first embodiment of the present invention; FIG. FIG. 3 is a circuit block diagram of a third embodiment of the present invention; and FIG. 4 is a flowchart of the operation of the new subscriber conversion system.

100‧‧‧ special account conversion device

10‧‧‧ transceiver module

20‧‧‧Processing module

30‧‧‧Checkout module

200‧‧‧trust data server

Claims (12)

A special account conversion device comprises: a transceiver module for receiving a special account conversion request; a processing module connecting the transceiver module, the processing module executing a deposit type account according to the type of the special account conversion request Conversion of accounts with an investment account. The account conversion device of claim 1, wherein the processing module determines that the account conversion request is converted from the deposit-type account to the investment-type account, and the transceiver module receives a risk analysis Information and an investment setting information, the processing module transfers the amount in the deposit-type account to the investment-type account. The account conversion device of claim 2, further comprising an inspection module connected to the transceiver module and the processing module, the processing module receiving the risk analysis information and the investment setting by the transceiver module Information, and the verification module checks the risk analysis information and the investment setting information is correct, and then transfers the amount in the deposit-type account to the investment-type account. The account conversion device of claim 3, wherein the verification module communicates with a trust data server, and the verification module cooperates with the trust data server to check the risk analysis information and the investment setting. News. The account conversion device of claim 1, wherein the processing module determines that the account conversion request is converted from the investment account to the deposit account, the processing module is the investment account The amount of redemption or sale of at least one of the investment targets is transferred to the deposit-type account. The account conversion device of claim 2, wherein the transceiver module is further in communication with a trust data server, the risk analysis information and the investment setting information are received by the transceiver module, and the processing module transmits and receives the The module transmits the risk analysis information and the investment setting information to the trust data server for checking, and after the trust data server checks the error, the processing module transfers the amount in the deposit type account The investment account. A special account conversion system comprising: a special account conversion device comprising a transceiver module, a processing module connected to the transceiver module, and a verification module connecting the transceiver module and the processing module, The transceiver module receives a special account conversion request; and a trust data server communicates with the verification module, and when the processing module determines that the account conversion request is converted from a deposit type account to an investment type account And receiving, by the transceiver module, a risk analysis information and an investment setting information, the verification module cooperates with the trust data server to check the risk analysis information and the investment setting information, and after checking, the The processing module transfers the amount in the deposit-type account to the investment-type account. The account conversion system of claim 7, wherein the processing module determines that the account conversion request is converted from the investment account to the deposit account, the processing module is the investment account The amount of redemption or sale of at least one of the investment targets is transferred to the deposit-type account. A special account conversion system comprising: a special account conversion device, comprising a transceiver module and a processing module connected to the transceiver module, the transceiver module receiving a special account conversion request; and a trust data server, and The transceiver module communicates, when the processing module determines that the account conversion request is converted from a deposit-type account to an investment-type account, and receives a risk analysis information and an investment setting information in the transceiver module, The processing module transmits the risk analysis information and the investment setting information to the trust data server for checking through the transceiver module, and after the trust data server checks the correct, the processing module selects the deposit type The amount in the household is transferred to the investment account. The account conversion system of claim 9, wherein the processing module determines that the account conversion request is converted from the investment account to the deposit account, the processing module is the investment account The amount of redemption or sale of at least one of the investment targets is transferred to the deposit-type account. A special account conversion system includes: a special account conversion device, including a transceiver module, the transceiver module receives a special account conversion request; and a trust data server, communicates with the transceiver module, when the trust data server The device determines that the account conversion request is converted from a deposit-type account to an investment-type account, and receives a risk analysis information and an investment setting information at the transceiver module, and the trust data server is configured to analyze the risk information and The investment setting information is checked, and after the verification is correct, the trust data server transfers the amount in the deposit-type account to the investment-type account. The account conversion system of claim 11, wherein when the trust data server determines that the account conversion request is converted from the investment account to the deposit account, the investment account is directly The amount of at least one investment target sold or redeemed is transferred to the deposit account.