TWM557876U - Funds transfer system - Google Patents

Funds transfer system Download PDF

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Publication number
TWM557876U
TWM557876U TW106219377U TW106219377U TWM557876U TW M557876 U TWM557876 U TW M557876U TW 106219377 U TW106219377 U TW 106219377U TW 106219377 U TW106219377 U TW 106219377U TW M557876 U TWM557876 U TW M557876U
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Taiwan
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account
accounts
information
transfer system
legal person
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TW106219377U
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Chinese (zh)
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徐家堃
賈志豪
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臺灣土地銀行股份有限公司
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Priority to TW106219377U priority Critical patent/TWM557876U/en
Publication of TWM557876U publication Critical patent/TWM557876U/en

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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

資金調撥系統 Fund transfer system

本新型是有關於一種資金調撥系統。 The new model is related to a fund transfer system.

一般而言,某些大型公司(以下稱母公司)會依照集團需求而設立一些子公司。因此,這些公司(包含母公司與子公司)實際上都屬於同一集團。當母公司欲調度子公司的資金時,通常需要子公司的財會人員臨櫃或於網路銀行將款項撥轉至母公司帳戶。然而,上述資金調度方法常因子公司財會人員繁忙無法即時進行操作,或者轉帳時需要提供繁雜的證明文件以證明母公司與子公司之間的關係,而對於整體集團的運作十分不便。 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.

再者,當某些子公司設立於境外時,資金調度還需考慮到境內帳戶與境外帳戶之間的轉帳資金上限、以及更加繁雜的證明文件等問題,從而使整個運作更加費時、費力。 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.

由此可見,上述現有的方式,顯然仍存在不便與缺陷,而有待改進。為了解決上述問題,相關領域莫不費盡心思來謀求解決之道,但長久以來仍未發展出適當的解決方案。 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.

本新型之一態樣係提供一種資金調撥系統。資金調撥系統包括一客戶端裝置、一帳務處理主機、以及一帳戶資料庫伺服器。帳務處理主機包括一儲存裝置、一處理器、以及一傳輸裝置。處理器電性連接至儲存裝置和傳輸裝置。儲存裝置儲存一指定帳戶之一登入驗證資訊以及指定帳戶之一權限資訊。權限資訊包括一個或複數個其他帳戶之操作權限。登入驗證資訊用以供處理器進行驗證。傳輸裝置設置以與客戶端裝置建立一第一通訊連結。帳戶資料庫伺服器用以儲存指定帳戶之金額資訊以及其他帳戶之金額資訊,並設置以與傳輸裝置建立一第二通訊連結。其中,使用者透過客戶端裝置傳送一登入資訊至帳務處理主機,處理器進行登入資訊之驗證,在驗證成功以後,處理器讀取儲存於儲存裝置之指定帳戶之權限資訊,而基於權限資訊所包括的其他帳戶之操作權限,傳送帳戶資料庫伺服器之指定帳戶之金額資訊及其他帳戶之金額資訊至客戶端裝置,並且使用者得進行指定帳戶或其他帳戶之一交易操作。 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.

於一實施例中,指定帳戶為一境內法人帳戶,其他帳戶為一境內法人帳戶或一境外法人帳戶。 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.

於一實施例中,境外法人帳戶為一香港法人帳戶。 In one embodiment, the foreign legal person account is a Hong Kong legal person account.

於一實施例中,指定帳戶為一第一境外法人帳戶,其他帳戶為一第二境外法人帳戶。 In one embodiment, the designated account is a first foreign legal person account, and the other account is a second overseas legal person account.

於一實施例中,第一境外法人帳戶或第二境外法人帳戶為一香港法人帳戶。 In one embodiment, the first foreign legal person account or the second overseas legal person account is a Hong Kong legal person account.

於一實施例中,其他帳戶之操作權限是經由簽署一授權契約書以授權給指定帳戶。 In one embodiment, the operational rights of other accounts are authorized to the designated account by signing a authorization contract.

於一實施例中,交易操作為一轉帳操作。 In one embodiment, the transaction operation is a transfer operation.

於一實施例中,轉帳操作為一外匯轉帳操作。 In one embodiment, the transfer operation is a foreign exchange transfer operation.

於一實施例中,轉帳操作為指定帳戶與其他帳戶中之一者之間的轉帳操作。 In one embodiment, the transfer operation is a transfer operation between a specified account and one of the other accounts.

於一實施例中,轉帳操作為其他帳戶中之一者與其他帳戶中之另一者之間的轉帳操作。 In one embodiment, the transfer operation is a transfer operation between one of the other accounts and the other of the other accounts.

以下將以實施方式對上述之說明作詳細的描述,並對本新型之技術方案提供更進一步的解釋。 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.

為讓本新型之上述和其他目的、特徵、優點與實施例能更明顯易懂,所附符號之說明如下: The above and other objects, features, advantages and embodiments of the present invention will become more apparent and understood.

100‧‧‧資金調撥系統 100‧‧‧ funds transfer system

110‧‧‧客戶端裝置 110‧‧‧Client device

120‧‧‧帳務處理主機 120‧‧‧Accounting Processing Host

121‧‧‧儲存裝置 121‧‧‧Storage device

122‧‧‧處理器 122‧‧‧Processor

123‧‧‧傳輸裝置 123‧‧‧Transportation device

130‧‧‧帳戶資料庫伺服器 130‧‧‧Account Database Server

200‧‧‧方法 200‧‧‧ method

201-209‧‧‧步驟 201-209‧‧‧Steps

L1、L2‧‧‧通訊連結 L1, L2‧‧‧ communication link

為讓本新型之上述和其他目的、特徵、優點與實施例能更明顯易懂,所附圖式之說明如下:第1圖為根據本揭示內容之一實施例之一種資金調撥系統100的方塊圖;以及第2A圖和第2B圖為根據本揭示內容之一實施例之一種資金調撥系統的運作方法200的流程圖。 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.

為了使本新型之敘述更加詳盡與完備,可參照所附之圖式及以下所述各種實施例,圖式中相同之號碼代表 相同或相似之元件。另一方面,眾所週知的元件與步驟並未描述於實施例中,以避免對本新型造成不必要的限制。 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.

請參照第1圖,第1圖為根據本揭示內容之一實施例之一種資金調撥系統100的方塊圖。如第1圖所示,資金調撥系統100包括客戶端裝置110、帳務處理主機120、以及帳戶資料庫伺服器130。帳務處理主機120包括儲存裝置121、處理器122、以及傳輸裝置123。在連接關係上,處理器122電性連接至儲存裝置121和傳輸裝置123。傳輸裝置123設置以與客戶端裝置110建立第一通訊連結L1,從而進行資訊傳輸。在一實施例中,儲存裝置121儲存指定帳戶之登入驗證資訊以及指定帳戶之權限資訊。指定帳戶之權限資訊包括一或多個其他帳戶之操作權限。帳戶資料庫伺服器130儲存指定帳戶之金額資訊以及所述其他帳戶之金額資訊,並設置以與傳輸裝置123建立第二通訊連結L2,從而進行資訊傳輸。 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.

在一實施例中,客戶端裝置110可為一電子裝置,例如個人電腦、筆記型電腦、平板電腦或手機等。在一實施例中,儲存裝置121可為硬碟、快閃記憶體或其他記錄媒體。在一實施例中,處理器122可為中央處理器、微控制器或其他電路。傳輸裝置123可為無線收發器、網路卡或其他通訊裝置。 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.

應理解的是,所述「登入驗證資訊」用以供處理器122進行驗證。具體而言,當使用者透過客戶端裝置110傳送登入資訊至帳務處理主機120時,處理器122依據儲存 裝置121儲存的登入驗證資訊來進行所接收的登入資訊之驗證。例如,登入資訊為使用者輸入的帳號和密碼,而登入驗證資訊為事先設定好並儲存於儲存裝置121的帳號和密碼。當使用者輸入的帳號和密碼與事先設定好並儲存於儲存裝置121的帳號和密碼相同時,驗證成功;當使用者輸入的帳號和密碼與事先設定好並儲存於儲存裝置121的帳號和密碼不同時,則驗證失敗。在一般情況下,使用者輸入的登入資訊對應一指定帳戶。在登入驗證成功之後,將傳送帳戶資料庫伺服器130之指定帳戶之金額資訊至客戶端裝置110,從而使用者可獲取指定帳戶之金額資訊。進一步地,使用者得進行指定帳戶之交易操作。在本揭示內容的一實施例中,可以事先設定好指定帳戶之權限資訊,並儲存於儲存裝置121。如上所述,「指定帳戶之權限資訊」包括一或多個其他帳戶之操作權限。因此,在登入驗證成功之後,處理器122讀取指定帳戶之權限資訊,而基於權限資訊所包括的其他帳戶之操作權限,傳送帳戶資料庫伺服器130之指定帳戶之金額資訊以及其他帳戶之金額資訊至客戶端裝置110。因此,使用者除了可獲取指定帳戶之金額資訊外,還可掌握其他帳戶之金額資訊。進一步地,使用者得進行指定帳戶或其他帳戶之交易操作。 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.

應理解,設定指定帳戶之權限資訊,可以改善母公司與子公司之間的交易操作繁雜和費時的問題。舉例來說,當母公司帳戶之權限資訊包括子公司帳戶之操作權限時,使用者(例如母公司的財會人員)輸入母公司帳戶的登 入資訊並驗證成功後,得直接進行子公司帳戶的資金查詢或交易操作。從而,避免了子公司的財會人員因繁忙而無法即時進行相關操作,或者需要提供繁雜的證明文件以證明母公司與子公司之間的關係等問題。為了達到上述目的,子公司可簽署一份授權契約書並送進銀行,以將子公司之操作權限授權給母公司。爾後,銀行之行員依業務規範檢核該份授權契約書可否進行申請。如若該份授權契約書可進行申請,則由銀行行員進行相關設定作業(亦即,設定以使母公司帳戶之權限資訊包括子公司之操作權限,並儲存於儲存裝置121中)。接著,經由該行員之主管對上述行員之操作進行核放,以使上述相關設定生效,並通知母公司與子公司。 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.

在一實施例中,母公司之所有子公司均將其操作權限經由上述方式授權給母公司。此時,使用者(如母公司之財會人員)僅需使用母公司之登入資訊(如帳號、密碼)進行驗證,即可對所有子公司之帳戶進行查詢或者交易操作。如此,母公司即可掌握其所有子公司帳戶的金額資訊,並且得即時進行子公司帳戶的交易操作(如轉帳),使得屬於同一集團的母公司和子公司的運作更有效率。 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.

在一實施例中,指定帳戶為境內法人帳戶,而一或多個其他帳戶為境內法人帳戶或境外法人帳戶。應理解,所述「境內」和「境外」係指「中華民國境內」和「中華民國境外」。依據銀行法及相關辦法之規定,境內法人向外匯指定銀行(DOMESTIC BANKING UNIT,DBU)申請,得開立指定帳戶,以辦理諸如外匯存款、外匯轉帳等 業務。而所述外匯指定銀行經主管機關特許,得設立國際金融業務分行(OFFSHORE BANKING UNIT,OBU)以供境外法人開立國際金融業務分行之帳戶,以辦理諸如外匯存款、外匯轉帳等業務。在本揭示內容的一實施例中,母公司為境內法人,其子公司為境外法人,從而使用者(如母公司之財會人員)得使用此資金調撥系統100,進行外匯指定銀行之母公司帳戶與國際金融業務分行之子公司帳戶之間的交易操作。藉由此一方式,得以避免原先境內帳戶與境外帳戶之間的轉帳需提供繁雜的證明文件等問題。並且,經由使用此資金調撥系統100,還可增加境內帳戶與境外帳戶之間的轉帳額度上限。在一實施例中,境外法人帳戶例如為香港法人帳戶。 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.

應理解的是,依據銀行法及相關辦法之規定,當本揭示內容之資金調撥系統100的指定帳戶為境外法人帳戶時,一或多個其他帳戶僅得為境外法人帳戶。 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.

在一些實施方式中,所述交易操作為轉帳操作。在一實施例中,轉帳操作為外幣轉帳操作。在一實施例中,轉帳操作為指定帳戶與一或多個其他帳戶中之一者之間的轉帳操作。在一實施例中,轉帳操作為一或多個其他帳戶中之一者與一或多個其他帳戶中之另一者之間的轉帳操作。 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.

為了詳加敘述資金調撥系統100的運作方式,以下將搭配第2A圖和第2B圖來做說明。第2A圖和第2B圖繪示資金調撥系統的運作方法200的流程圖。應瞭解到,在第2A圖和第2B圖中所提及的步驟,除特別敘明其順序者 外,均可依實際需要調整其前後順序,亦可同時或部分同時執行,甚至可增加額外步驟或省略部份步驟。 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.

首先,請同時參照第1圖、第2A圖、以及第2B圖,於步驟201中,母公司與子公司簽屬授權契約書以將子公司之操作權限授權給母公司,並將該份授權契約書送進銀行。接著,銀行行員依業務規範檢核該份授權契約書可否進行申請。如若該份授權契約書可進行申請,於步驟202中,銀行行員設定以使母公司帳戶之權限資訊包括子公司之操作權限,並儲存於帳務處理主機120之儲存裝置121中。 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.

接下來,於步驟203中,使用者(如母公司之財會人員)透過客戶端裝置110,經由第一通訊連結L1傳送登入資訊至帳務處理主機120。舉例而言,使用者可透過個人電腦傳送登入資訊至帳務處理主機120。在一實施例中,登入資訊為使用者所輸入的帳號和密碼。接著,於步驟204中,帳務處理主機120之處理器122進行登入資訊之驗證,並藉由第一通訊連結L1回傳登入資訊之驗證結果至客戶端裝置110。 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.

若登入資訊之驗證結果為驗證失敗,於步驟205中,傳送登入失敗訊息至客戶端裝置110。接著回到步驟203,使用者得重新傳送登入資訊至帳務處理主機120。 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.

另一方面,在登入資訊之驗證結果為驗證成功之後,於步驟206,傳送登入成功訊息至客戶端裝置110。接著,於步驟207中,帳務處理主機120之處理器122讀取儲存於儲存裝置121之母公司帳戶之權限資訊(權限資訊包 括一或多個其子公司帳戶之操作權限),而基於權限資訊所包括的一或多個其子公司帳戶之操作權限,傳送帳戶資料庫伺服器130之母公司帳戶之金額資訊以及一或多個其子公司帳戶之金額資訊至客戶端裝置110。 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.

接著,依照使用者之一需求,於步驟208中,使用者得直接進行母公司帳戶與子公司帳戶之間的轉帳操作。例如,將子公司帳戶的外匯轉至母公司帳戶中。或者,依照使用者之另一需求,於步驟209中,使用者得直接進行子公司帳戶與另一子公司帳戶之間的轉帳操作。例如,將子公司帳戶的外匯轉至另一子公司帳戶中。 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.

綜上所述,本新型的資金調撥系統,提供了系統性、且合適的資金調撥方法,有助於改善屬於同一集團的每一公司之間,在進行資金調度時可能會遇到的諸如耗費人力、時間、轉帳資金受限、以及繁雜的證明文件等問題。 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.

雖然本新型已以實施方式揭露如上,然其並非用以限定本新型,任何熟習此技藝者,於不脫離本新型之精神和範圍內,當可作各種之更動與潤飾,因此本新型之保護範圍當視後附之申請專利範圍所界定者為準。 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)

一種資金調撥系統,包括:一客戶端裝置;一帳務處理主機,包括一儲存裝置、一處理器、以及一傳輸裝置,其中該處理器電性連接至該儲存裝置和該傳輸裝置,該儲存裝置儲存一指定帳戶之一登入驗證資訊以及該指定帳戶之一權限資訊,該權限資訊包括一個或複數個其他帳戶之操作權限,該登入驗證資訊用以供該處理器進行驗證,該傳輸裝置設置以與該客戶端裝置建立一第一通訊連結;以及一帳戶資料庫伺服器,用以儲存該指定帳戶之金額資訊以及該些其他帳戶之金額資訊,並設置以與該傳輸裝置建立一第二通訊連結;其中,使用者透過該客戶端裝置傳送一登入資訊至該帳務處理主機,該處理器進行該登入資訊之驗證,在驗證成功以後,該處理器讀取儲存於該儲存裝置之該指定帳戶之該權限資訊,而基於該權限資訊所包括的該些其他帳戶之操作權限,傳送該帳戶資料庫伺服器之該指定帳戶之金額資訊及該些其他帳戶之金額資訊至客戶端裝置,並且使用者得進行該指定帳戶或該些其他帳戶之一交易操作。 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. 如申請專利範圍第1項之資金調撥系統,其中該指定帳戶為一境內法人帳戶,該些其他帳戶為一境內法人帳戶或一境外法人帳戶。 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. 如申請專利範圍第2項之資金調撥系統,其中該境外法人帳戶為一香港法人帳戶。 For example, the fund transfer system of claim 2, wherein the foreign legal person account is a Hong Kong legal person account. 如申請專利範圍第1項之資金調撥系統,其中該指定帳戶為一第一境外法人帳戶,該些其他帳戶為一第二境外法人帳戶。 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. 如申請專利範圍第4項之資金調撥系統,其中該第一境外法人帳戶或該第二境外法人帳戶為一香港法人帳戶。 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. 如申請專利範圍第1項之資金調撥系統,其中該些其他帳戶之操作權限是經由簽署一授權契約書以授權給該指定帳戶。 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. 如申請專利範圍第1項之資金調撥系統,其中該交易操作為一轉帳操作。 For example, the fund transfer system of claim 1 of the patent scope, wherein the transaction operation is a transfer operation. 如申請專利範圍第7項之資金調撥系統,其中該轉帳操作為一外匯轉帳操作。 For example, the fund transfer system of claim 7 of the patent scope, wherein the transfer operation is a foreign exchange transfer operation. 如申請專利範圍第7項之資金調撥系統,其中該轉帳操作為該指定帳戶與該些其他帳戶中之一者之間的轉帳操作。 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. 如申請專利範圍第7項之資金調撥系統,其中該轉帳操作為該些其他帳戶中之一者與該些其他帳戶中之另一者之間的轉帳操作。 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.
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