TWM557876U - Funds transfer system - Google Patents

Abstract

A funds transfer system includes a user device, an account processing server, and an account database server. The account processing server includes a storage device and a processor. The account database server stores amount information of a designated account and amount information of other accounts. After the verification of the login information sent by the user through the user device to the account processing server is successful, the processor reads a permission information of the designated account stored in the storage device, and sends the amount information of the designated account and the amount information of the other accounts of the account database server to the user device based on the operation permissions of other accounts included in the permission information. Further, the user may conduct a trading operation of the designated account or the other accounts.

Description

Fund transfer system

The new model is related to a fund transfer system.

In general, some large companies (hereinafter referred to as parent companies) will set up subsidiaries in accordance with the needs of the group. Therefore, these companies (including parent companies and subsidiaries) actually belong to the same group. When the parent company wants to arrange the funds of the subsidiary company, it usually needs the financial staff of the subsidiary to send the funds to the parent company account at the online bank. However, the above-mentioned fund scheduling method often means that the company's accounting staff is too busy to operate immediately, or it is necessary to provide complicated documents to prove the relationship between the parent company and the subsidiary company, and the operation of the whole group is very inconvenient.

Moreover, when certain subsidiaries are set up outside the country, the fund scheduling needs to take into account the transfer funds limit between domestic accounts and overseas accounts, as well as more complicated documentation, which makes the whole operation more time-consuming and laborious.

It can be seen that the above existing methods obviously have inconveniences and defects, and need to be improved. In order to solve the above problems, the relevant fields have not tried their best to find a solution, but for a long time, no suitable solution has been developed.

One aspect of the present invention provides a fund transfer system. The money transfer system includes a client device, a billing processing host, and an account database server. The accounting processing host includes a storage device, a processor, and a transmission device. The processor is electrically connected to the storage device and the transmission device. The storage device stores one of the specified accounts for login verification information and one of the specified account permission information. Permission information includes the operational rights of one or more other accounts. Login verification information is used for verification by the processor. The transmission device is configured to establish a first communication link with the client device. The account database server is used to store the amount information of the specified account and the amount information of other accounts, and is set up to establish a second communication link with the transmission device. The user transmits a login message to the account processing host through the client device, and the processor performs verification of the login information. After the verification succeeds, the processor reads the permission information stored in the specified account of the storage device, and the permission information is based on the permission information. The operating rights of other accounts included, the amount information of the specified account of the account database server and the amount information of other accounts are transmitted to the client device, and the user has to perform a transaction operation of one of the specified accounts or other accounts.

In one embodiment, the designated account is a domestic legal person account, and the other account is a domestic legal person account or an overseas legal person account.

In one embodiment, the foreign legal person account is a Hong Kong legal person account.

In one embodiment, the designated account is a first foreign legal person account, and the other account is a second overseas legal person account.

In one embodiment, the first foreign legal person account or the second overseas legal person account is a Hong Kong legal person account.

In one embodiment, the operational rights of other accounts are authorized to the designated account by signing a authorization contract.

In one embodiment, the transaction operation is a transfer operation.

In one embodiment, the transfer operation is a foreign exchange transfer operation.

In one embodiment, the transfer operation is a transfer operation between a specified account and one of the other accounts.

In one embodiment, the transfer operation is a transfer operation between one of the other accounts and the other of the other accounts.

The above description will be described in detail in the following embodiments, and further explanation of the technical solutions of the present invention will be provided.

The above and other objects, features, advantages and embodiments of the present invention will become more apparent and understood.

100‧‧‧ funds transfer system

110‧‧‧Client device

120‧‧‧Accounting Processing Host

121‧‧‧Storage device

122‧‧‧Processor

123‧‧‧Transportation device

130‧‧‧Account Database Server

200‧‧‧ method

201-209‧‧‧Steps

L1, L2‧‧‧ communication link

The above and other objects, features, advantages and embodiments of the present invention will become more <RTIgt; </ RTI> <RTIgt; </ RTI> <RTIgt; </ RTI> <RTIgt; Figure 2; and Figures 2A and 2B are flow diagrams of a method 200 of operation of a money transfer system in accordance with an embodiment of the present disclosure.

In order to make the description of the present invention more detailed and complete, reference is made to the accompanying drawings and the various embodiments described below. The same or similar components. On the other hand, well-known elements and steps are not described in the embodiments to avoid unnecessarily limiting the present invention.

Please refer to FIG. 1. FIG. 1 is a block diagram of a money transfer system 100 according to an embodiment of the present disclosure. As shown in FIG. 1, the funds transfer system 100 includes a client device 110, a billing processing host 120, and an account database server 130. The accounting processing host 120 includes a storage device 121, a processor 122, and a transmission device 123. In the connection relationship, the processor 122 is electrically connected to the storage device 121 and the transmission device 123. The transmission device 123 is arranged to establish a first communication link L1 with the client device 110 for information transmission. In an embodiment, the storage device 121 stores the login verification information of the specified account and the authority information of the specified account. Permission information for a given account includes operational privileges for one or more other accounts. The account database server 130 stores the amount information of the specified account and the amount information of the other accounts, and is set to establish a second communication link L2 with the transmission device 123 to perform information transmission.

In an embodiment, the client device 110 can be an electronic device such as a personal computer, a notebook computer, a tablet computer, or a mobile phone. In an embodiment, the storage device 121 can be a hard disk, a flash memory, or other recording medium. In an embodiment, processor 122 can be a central processing unit, a microcontroller, or other circuitry. The transmission device 123 can be a wireless transceiver, a network card, or other communication device.

It should be understood that the "login verification information" is used by the processor 122 for verification. Specifically, when the user transmits the login information to the account processing host 120 through the client device 110, the processor 122 is configured according to the storage. The login verification information stored by the device 121 is used to verify the received login information. For example, the login information is an account number and password input by the user, and the login verification information is an account number and password that are set in advance and stored in the storage device 121. When the account and password input by the user are the same as the account and password set in advance and stored in the storage device 121, the verification is successful; when the user enters the account and password and the account and password set in advance and stored in the storage device 121 If not, the verification fails. In general, the login information entered by the user corresponds to a specified account. After the login verification is successful, the amount information of the designated account of the account database server 130 is transmitted to the client device 110, so that the user can obtain the amount information of the specified account. Further, the user has to perform a transaction operation of the designated account. In an embodiment of the present disclosure, the authority information of the specified account may be set in advance and stored in the storage device 121. As mentioned above, "Permission Information for a Specified Account" includes the operational rights of one or more other accounts. Therefore, after the login verification is successful, the processor 122 reads the permission information of the specified account, and transmits the amount information of the designated account of the account database server 130 and the amount of the other account based on the operation authority of the other accounts included in the permission information. Information to the client device 110. Therefore, in addition to obtaining the amount information of the specified account, the user can also grasp the amount information of other accounts. Further, the user has to perform a transaction operation of a designated account or other account.

It should be understood that setting the authority information of the designated account can improve the complicated and time-consuming problems of the transaction operation between the parent company and the subsidiary company. For example, when the authority information of the parent company account includes the operation authority of the subsidiary account, the user (for example, the accounting personnel of the parent company) enters the parent company account. After entering the information and verifying the success, you must directly conduct the fund inquiry or transaction operation of the subsidiary account. Therefore, it is avoided that the financial personnel of the subsidiary company cannot perform related operations immediately due to being busy, or need to provide complicated documents to prove the relationship between the parent company and the subsidiary company. In order to achieve the above purpose, the subsidiary may sign a authorization contract and send it to the bank to authorize the operation authority of the subsidiary to the parent company. Afterwards, the bank's staff can check whether the authorization contract can be applied according to the business specifications. If the authorization contract can be applied, the bank operator performs the related setting operation (that is, the permission information of the parent company account is set to include the operation authority of the subsidiary company, and is stored in the storage device 121). Then, the operation of the above-mentioned members is checked by the supervisor of the member to make the above-mentioned related settings take effect, and the parent company and the subsidiary company are notified.

In one embodiment, all of the subsidiaries of the parent company delegate their operational authority to the parent company via the above means. At this time, the user (such as the accounting company of the parent company) can use the login information (such as account number and password) of the parent company to verify, and can query or trade the accounts of all subsidiaries. In this way, the parent company can grasp the amount information of all the subsidiaries' accounts, and can immediately perform the trading operations of the subsidiary accounts (such as transfer), so that the parent companies and subsidiaries belonging to the same group operate more efficiently.

In one embodiment, the designated account is a domestic legal person account, and one or more other accounts are domestic legal person accounts or overseas legal person accounts. It should be understood that the terms "domestic" and "outside" refer to "the territory of the Republic of China" and "outside the Republic of China". According to the Banking Law and related regulations, a domestic legal person may apply to a DOESTIC BANKING UNIT (DBU) to open a designated account to handle foreign exchange deposits, foreign exchange transfers, etc. business. The foreign exchange designated bank may, under the authority of the competent authority, establish an OFFSHORE BANKING UNIT (OBU) for the overseas legal person to open an account of the international financial business branch to handle services such as foreign exchange deposits and foreign exchange transfers. In an embodiment of the present disclosure, the parent company is a domestic legal person, and the subsidiary company is an overseas legal entity, so that the user (such as the accounting personnel of the parent company) can use the fund transfer system 100 to perform the parent company account of the foreign exchange designated bank. Transaction operations with affiliate accounts of international financial business branches. In this way, it is necessary to avoid the problem of providing complicated supporting documents for the transfer between the original domestic account and the overseas account. Moreover, by using the money transfer system 100, the upper limit of the transfer amount between the domestic account and the overseas account can also be increased. In an embodiment, the foreign legal person account is, for example, a Hong Kong legal person account.

It should be understood that, in accordance with the provisions of the Banking Law and related regulations, when the designated account of the fund transfer system 100 of the present disclosure is an overseas legal person account, one or more other accounts may only be foreign legal person accounts.

In some embodiments, the transaction operation is a transfer operation. In an embodiment, the transfer operation is a foreign currency transfer operation. In an embodiment, the transfer operation is a transfer operation between a specified account and one of one or more other accounts. In an embodiment, the transfer operation is a transfer operation between one of one or more other accounts and the other of the one or more other accounts.

In order to describe in detail the operation of the funds transfer system 100, the following description will be made with reference to Figures 2A and 2B. 2A and 2B are flow diagrams showing a method 200 of operation of the funds transfer system. It should be understood that the steps mentioned in Figures 2A and 2B, except for the order in which they are specifically stated In addition, the order can be adjusted according to actual needs, and can be performed simultaneously or partially simultaneously, and even additional steps can be added or some steps can be omitted.

First, please refer to FIG. 1 , FIG. 2A, and FIG. 2B at the same time. In step 201, the parent company and the subsidiary sign the authorization contract to authorize the operation authority of the subsidiary to the parent company, and authorize the authorization. The contract is sent to the bank. Then, the bank's staff can check whether the authorization contract can be applied according to the business specifications. If the authorization contract can be applied, in step 202, the bank clerk sets the authority information of the parent company account to include the operation authority of the subsidiary company, and stores it in the storage device 121 of the account processing host 120.

Next, in step 203, the user (such as the accounting staff of the parent company) transmits the login information to the account processing host 120 via the first communication link L1 via the client device 110. For example, the user can transmit the login information to the account processing host 120 through the personal computer. In one embodiment, the login information is the account number and password entered by the user. Then, in step 204, the processor 122 of the accounting processing host 120 performs verification of the login information, and returns the verification result of the login information to the client device 110 by using the first communication link L1.

If the verification result of the login information is verification failure, in step 205, the login failure message is transmitted to the client device 110. Then, returning to step 203, the user has to retransmit the login information to the account processing host 120.

On the other hand, after the verification result of the login information is the verification success, in step 206, the login success message is transmitted to the client device 110. Next, in step 207, the processor 122 of the accounting processing host 120 reads the permission information (permission information package) of the parent company account stored in the storage device 121. Including one or more operational rights of its subsidiary account), and based on the operational authority of one or more of its subsidiary accounts included in the rights information, the amount information of the parent account of the account database server 130 is transmitted and one or Amount information of a plurality of subsidiary accounts thereof to the client device 110.

Then, according to one of the needs of the user, in step 208, the user has to directly perform the transfer operation between the parent company account and the subsidiary company account. For example, transfer the foreign exchange of the subsidiary account to the parent company account. Alternatively, in accordance with another requirement of the user, in step 209, the user may directly perform a transfer operation between the subsidiary account and another subsidiary account. For example, transfer the foreign exchange of a subsidiary account to another subsidiary account.

In summary, the new fund transfer system provides a systematic and appropriate fund transfer method, which helps to improve the cost of each company belonging to the same group, such as consumption. Problems with manpower, time, transfer funds, and complicated documentation.

Although the present invention has been disclosed in the above embodiments, it is not intended to limit the present invention. Any one skilled in the art can make various changes and retouchings without departing from the spirit and scope of the present invention. The scope is subject to the definition of the scope of the patent application attached.

Claims (10)

A fund transfer system includes: a client device; a account processing host, including a storage device, a processor, and a transmission device, wherein the processor is electrically connected to the storage device and the transmission device, the storage The device stores one of the specified accounts for login verification information and one of the specified accounts, the permission information includes operation rights of one or more other accounts, and the login verification information is used for verification by the processor, the transmission device setting Establishing a first communication link with the client device; and an account database server for storing the amount information of the specified account and the amount information of the other accounts, and setting to establish a second with the transmission device a communication link, wherein the user transmits a login message to the account processing host through the client device, and the processor performs verification of the login information. After the verification succeeds, the processor reads the stored in the storage device. Specify the permission information for the account, based on the actions of the other accounts included in the permission information Limit the amount of information the designated account of the database server of the account and transfer money to other accounts of some of the information to the client device, and the user must be the designated account or other account that one of these trading operations. For example, the fund transfer system of claim 1 of the patent scope, wherein the designated account is a domestic legal person account, and the other accounts are a domestic legal person account or an overseas legal person account. For example, the fund transfer system of claim 2, wherein the foreign legal person account is a Hong Kong legal person account. For example, the fund transfer system of claim 1 of the patent scope, wherein the designated account is a first overseas legal person account, and the other accounts are a second overseas legal person account. For example, the fund transfer system of claim 4, wherein the first foreign legal person account or the second overseas legal person account is a Hong Kong legal person account. For example, the fund transfer system of claim 1 of the patent scope, wherein the operation rights of the other accounts are authorized to the designated account by signing a authorization contract. For example, the fund transfer system of claim 1 of the patent scope, wherein the transaction operation is a transfer operation. For example, the fund transfer system of claim 7 of the patent scope, wherein the transfer operation is a foreign exchange transfer operation. The fund transfer system of claim 7, wherein the transfer operation is a transfer operation between the designated account and one of the other accounts. The fund transfer system of claim 7, wherein the transfer operation is a transfer operation between one of the other accounts and the other of the other accounts.