TWM558414U - Multiple deduction system - Google Patents

Abstract

A multiple deduction system of reservation transaction includes a client processing device, an account processing server, and an account database server. The account processing server includes a storage device storing a plurality of deduction parameters of a specified account. The account database server stores a first amount of money of the specified account. When a deduction transaction instruction including a first time point and a second amount of money is transmitted to the account processing server, the account processing server deducts the second amount of money of the specified account at the first time point, however, if the deduction is failed resulted by the first amount of money is less than the second amount of money, the account processing server will deduct the second amount of money of the specified account again in accordance with the deduction parameters.

Description

Multiple deduction system

The present invention relates to a multiple deduction system, and in particular to a reservation transaction multiple deduction system and an instant transaction multiple deduction system.

With the advancement of technology, the computer industry is also increasingly developed, and all walks of life frequently use computers and networks for transactions and remittances. However, when a customer issues a transaction instruction to a bank through a business unit, a centralized operation center, or an ATM, such as a debit operation for an appointment or an instant transaction, the balance of the designated account is often insufficient, so that the debit operation fails. The problem.

Traditionally, in the case of the aforementioned problems, corporate customers usually complete the transfer of funds, and after the designated account has sufficient balance for the transaction, re-issue the transaction instructions to the bank for deduction. However, such manual multiple operations are complicated, and customers often need to spend a lot of time on operations; or, after the funds transfer is completed, the customer re-edits the transfer transaction, because the necessary personnel in the transaction process (such as the release supervisor) ) is absent, causing delays in time.

One aspect of the present invention provides a reservation transaction multiple debit system, including a client processing device, a billing processing host, and an account database server. The client processing device includes an input device, a first processor, and a first transmission device. The input device is used to input a debit transaction instruction. The first processor is electrically connected to the input device and the first transmission device. The accounting processing host includes a storage device, a second processor, and a second transmission device. The second processor is electrically connected to the storage device and the second transmission device. The storage device stores a plurality of debit parameters of a specified account. The second transmission device is configured to establish a first communication link with the first transmission device. The account database server stores one of the first accounts of the specified account and is configured to establish a second communication link with the second transmission device. After the debit transaction indication including the first time point and the second amount is transmitted to the account processing host by the first communication link, the second processor performs the deduction of the second amount of the designated account at the first time point. If the first amount is less than the second amount and the deduction fails, the second processor performs the deduction of the second amount of the designated account again according to the deduction parameter.

In an embodiment, the deduction parameter includes a second time point.

In an embodiment, the deduction parameter includes a third time point.

In an embodiment, the deduction parameter further includes a time interval and a deduction number.

In an embodiment, the deduction parameter further includes an effective time.

Another aspect of the present invention provides an instant transaction multiple debit system including a client processing device, a billing processing host, and an account database server. The client processing device includes an input device, a first A processor and a first transmission device. The input device is used to input a debit transaction instruction. The first processor is electrically connected to the input device and the first transmission device. The accounting processing host includes a storage device, a second processor, and a second transmission device. The second processor is electrically connected to the storage device and the second transmission device. The storage device stores a plurality of debit parameters of a specified account. The second transmission device is configured to establish a first communication link with the first transmission device. The account database server stores one of the first accounts of the specified account and is configured to establish a second communication link with the second transmission device. After the debit transaction indication including the second amount is transmitted to the account processing host by the first communication link, the second processor performs deduction of the second amount of the designated account, if the first amount is less than the second amount When the deduction fails, the second processor performs the deduction of the second amount of the designated account again according to the deduction parameter.

In an embodiment, the deduction parameter includes a first time point.

In an embodiment, the deduction parameter includes a second time point.

In an embodiment, the deduction parameter further includes a time interval and a deduction number.

In an embodiment, the deduction parameter further includes an effective time.

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‧‧‧Multiple deduction system

110‧‧‧Client processing unit

111‧‧‧ Input device

112‧‧‧ processor

113‧‧‧Transportation device

120‧‧‧Accounting Processing Host

122‧‧‧Processor

123‧‧‧Transportation device

124‧‧‧Storage device

130‧‧‧Account Database Server

200‧‧‧ multiple deduction methods

201~212‧‧‧Steps

L1, L2‧‧‧ communication link

The above and other objects, features, advantages and embodiments of the present invention will become more apparent and understood. 1 is a block diagram of a multiple debit system in accordance with an embodiment of the present disclosure; and FIGS. 2A and 2B are flowcharts of a method of multiple debits for a reservation transaction.

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

The terms “first”, “second”, etc. used in this document are not specifically intended to refer to the order or order, nor to limit the present invention, but merely to distinguish components described in the same technical terms. Or just operate.

Please refer to FIG. 1. FIG. 1 is a block diagram of a multiple deduction system 100 in accordance with an embodiment of the present disclosure. As shown in FIG. 1, the multiple charge system 100 includes a client processing device 110, a billing processing host 120, and an account database server 130. The client processing device 110 includes an input device 111, a first processor 112, and a first transmission device 113. The input device 111 is used to input a chargeback transaction indication. Architecturally, the first processor 112 is electrically coupled to the input device 111 and the first transmission device 113. The accounting processing host 120 includes a storage device 124, a second processor 122, and a second transmission device 123. Architecturally, the second processor 122 is electrically coupled to the storage device 124 and the second transmission device 123. The storage device 124 stores the designated account A plurality of deduction parameters. The second transmission device 123 is arranged to establish a first communication link L1 with the first transmission device 113 to perform transmission of the debit transaction indication. The account database server 130 stores the balance of the designated account and sets up to establish a second communication link L2 with the second transmission device 123, thereby transmitting the balance information of the designated account to the account processing host 120.

In an embodiment, the client processing device 110 can be an automated device such as an automated teller machine, online banking, mobile banking, or voice banking. In one embodiment, the debit transaction indication may be a transaction instruction for an immediate or scheduled transfer, proxy or withholding operation. In an embodiment, storage device 124 can be a hard drive, a flash memory, or other recording medium. In an embodiment, the first processor 112 and the second processor 122 can be central processing units, microcontrollers, or other circuits. In an embodiment, the input device 111 can be a touch device, a keyboard, or other input component. In an embodiment, the first transmission device 113 and the second transmission device 123 may be wireless transceivers, network cards, or other communication devices.

In order to describe in detail the operation of the multiple deduction system 100, the following description will be made with reference to FIGS. 2A and 2B. FIG. 2A and FIG. 2B illustrate a flow chart of a method for booking a multiple debit payment method 200. It should be understood that the steps mentioned in Figures 2A and 2B can be adjusted according to actual needs, except for the order in which they are specifically stated. They can also be executed simultaneously or partially simultaneously, and even additional Step or omit some steps.

First, please refer to FIG. 1 , FIG. 2A, and FIG. 2B at the same time. In step 201, the customer applies for multiple deductions for customization, and the service personnel sets a plurality of deduction parameters according to customer requirements and stores them in the account. Service master In the storage device 124 of the machine 120. It should be understood that the plurality of deduction parameters are used as the basis for the supporting measures that are performed when the customer performs the deduction operation of the designated account due to insufficient account balance. Specifically, if the account balance is insufficient and the debit operation fails, the debit operation of the designated account will be performed again according to the set deduction parameter. However, according to the different deduction parameters, the deduction operation will be affected accordingly. The following will describe in more detail how the different deduction parameters will affect the re-deduction operation. Next, in step 202, the client inputs a debit transaction instruction through the input device 111 of the client processing device 110, and transmits it to the account processing host 120 via the communication link L1. In an embodiment, the debit transaction indication includes a time point and an amount, so that the account processing host 120 can perform the debit operation of the amount of the specified account at the time point according to the content of the debit transaction indication. . Next, in step 203, the account processing host 120 performs a debit operation of the designated account according to the content of the debit transaction instruction. Specifically, the second processor 122 of the accounting processing host 120 performs the debit operation of the amount of the specified account at the time point. It should be understood that the account database server 130 stores the balance of the specified account. If the balance of the specified account is insufficient to perform the deduction operation of the amount, the debit operation will fail; if the balance of the specified account is sufficient for the amount When the deduction is performed, the deduction operation is successful.

If the balance of the designated account is sufficient to perform the debit operation of the amount, in step 204, the debit operation is successful, and the deduction of the amount is performed in the balance of the designated account.

On the other hand, if the balance of the designated account is insufficient to perform the deduction operation of the amount, in step 205, the chargeback operation fails, and the account processing master The machine 120 performs a plurality of debit procedures. In an embodiment, when the chargeback operation fails, the account processing host 120 can send an email notification or a short message notification to the client processing device 110 via the first communication link L1, so that the client can know that the balance is insufficient. .

The "multiple deduction procedure" means that the second processor 122 of the accounting processing host 120 performs the debit operation of the designated account again according to the plurality of deduction parameters stored in the storage device 124. As mentioned earlier, the different debit parameter content will affect the re-debit operation. Specifically, when the plurality of chargeback parameters include a chargeback program time point (other time point than the time point of the chargeback transaction indication), the second processor 122 performs the designated account again at the other time point. Deduction operation; when the plurality of deduction parameters further includes a time interval and a deduction amount, the time interval will be separated from the other time point except for the deduction operation again at the other time point. Then, the debit operation of the designated account is performed again, and the above-mentioned deduction operation is repeated according to the number of deductions until the deduction operation is successful or the number of deductions is completed. For example, the customer's scheduled transaction time point (the time point of the debit transaction indication) is 9:00, and the set of multiple debit parameters includes a deduction time point (unlike the deduction of the transaction instruction) Another time point), a time interval, and a deduction amount are 10:00, 30 minutes, and 3 times, respectively. If the balance of the specified account is insufficient and the deduction operation fails when the scheduled transaction is made at 9:00, the debit operation of the designated account is performed again at 10:00, 10:30, 11:00, and 11:30. If the deduction operation is successful during the period, the debit payment procedure ends, and the unfinished debit operation is not continued. For example, if the deduction operation is successful at 10:30, the subsequent deduction will be made at 11:00 and 11:30. operating. Therefore, the customer can set a plurality of deduction parameters according to his own trading habits, thereby improving the success rate of the transfer transaction and reducing the complicated operation of the manual operation.

In one embodiment, the debit parameter is set for a particular customer (eg, a customer with a transaction amount of more than 10 million per half year), and an additional debit time point is provided. That is, the plurality of charge parameters of the special customer may include the first charge program time point and the second charge program time point. Therefore, the special customer may perform the deduction operation of the designated account again at the time of the second deduction procedure after the failure of the deduction operation due to the insufficient balance due to the insufficient balance at the time of the scheduled transaction and the first deduction procedure.

Next, if the customer has completed the setting of the plurality of deduction parameters, in step 206, the second processor 122 of the accounting processing host 120 performs the deduction of the designated account again at another time point indicated by the plurality of deduction parameters. Operation. If, at this time, the balance of the designated account is sufficient for the debit operation of the amount indicated by the debit transaction, in step 207, the debit operation is successful, and the deduction of the amount is performed in the balance of the designated account.

On the other hand, if the balance of the designated account is still insufficient for the debiting operation of the amount at this time, the debiting operation fails in step 208. Then, if the plurality of deduction parameters further includes a time interval and a deduction number, in step 209, the second processor 122 of the accounting processing host 120 performs the designated account again at intervals of the time interval. Deduction operation. For example, if the time when the deduction operation fails is 10:00 and the time interval is 30 minutes, the time for performing the deduction operation again is 10:30 of 30 minutes of the time when the interval deduction operation fails. If at this time, the balance of the specified account is sufficient When the debit operation of the amount is performed, in step 210, the debit operation is successful, and the deduction of the amount is performed in the balance of the designated account. If the balance of the designated account at this time is still insufficient for the deduction operation of the amount, the debit operation fails in step 211. And according to the number of deductions indicated by the plurality of deduction parameters, return to step 209 to perform the deduction operation again. It should be understood that the number of times back to step 209 is equal to or less than the number of deductions indicated by the deduction parameter. Specifically, when one of the times returns to step 209, the balance of the designated account is sufficient to perform the debit operation of the amount, then the process proceeds to step 210, the deduction operation is successful, and the multiple debiting process ends, and the renewal is not completed. The deduction operation, that is, the number of times back to step 209 is less than the deduction amount indicated by the deduction parameter; when the balance of the designated account is always insufficient and the deduction operation fails, the process proceeds to step 212, and the multiple debit payment process ends, that is, returns The number of steps 209 is equal to the number of deductions indicated by the deduction parameter.

In an embodiment, the plurality of deduction parameters further includes an effective time. The customer can set the effective time according to the requirements to define the above multiple deduction procedures. For example, the customer can set the effective time from 9:00 to 15:00 according to his trading habits. At this time, during the period from 9:00 to 15:00, if the debit transaction indicated by the deduction is indicated, the debit operation If it fails, the deduction procedure is repeated. Otherwise, if the deduction operation fails outside the period from 9:00 to 15:00, no deduction procedure is performed.

There is also provided an instant transaction multiple debit method, which differs from the reservation transaction multiple debit method 200 in that the debit transaction indication entered in step 202 does not include a point in time. Next, in step 203, the account processing host 120 directly refers to the receipt of the debit transaction instruction. The debit operation of the account. The subsequent steps of the multiple deduction method for the instant transaction are the same as the multiple deduction method 200 for the reservation transaction, and therefore will not be further described herein.

In summary, the multiple deduction system disclosed in the present invention can avoid the problem that the customer fails to make an appointment transfer transaction due to the fact that the funds transfer has not been completed, and can also avoid the customer's instant transfer transaction, but the amount to be transferred has not yet been transferred. Ready, causing the transfer to fail. Therefore, this multiple debit system avoids the loss of goodwill caused by the customer due to insufficient balance, and also greatly improves the success rate of the customer transfer transaction and reduces the complicated operation of manual operation. That is, the debit transaction is completed efficiently and quickly, making the bank transaction more accurate, smooth and immediate.

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 reservation transaction multiple debit system includes: a client processing device, including an input device, a first processor, and a first transmission device, the input device is configured to input a debit transaction indication, the first The processor is electrically connected to the input device and the first transmission device; a accounting processing host includes a storage device, a second processor, and a second transmission device, wherein the second processor is electrically connected to the a storage device and the second transmission device, the storage device stores a plurality of debit parameters of a specified account, the second transmission device is configured to establish a first communication link with the first transmission device; and an account database server Depositing a first amount of the specified account and setting up to establish a second communication link with the second transmission device; wherein the debit transaction indication including a first time point and a second amount is by the After the first communication link is transmitted to the accounting processing host, the second processor performs the deduction of the second amount of the designated account at the first time point, if the first amount is less than the Second amount caused by a failed charge, the second processor in accordance with the deduction of these parameters, again the designated account of the amount of the second charge. For example, the multiple-debit system of the reservation transaction of the first application of the patent scope, wherein the deduction parameters include a second time point. For example, in the patent application scope item 2, the reservation transaction multiple deduction system, wherein the deduction parameters include a third time point. For example, the multiple-debit system of the reservation transaction of the second application of the patent scope, wherein the deduction parameters further include a time interval and a deduction amount. The multiple-debit system for booking a transaction as claimed in any one of claims 1 to 4, wherein the deduction parameters further include an effective time. An instant transaction multiple debit system includes: a client processing device, including an input device, a first processor, and a first transmission device, the input device is configured to input a debit transaction indication, the first The processor is electrically connected to the input device and the first transmission device; a accounting processing host includes a storage device, a second processor, and a second transmission device, wherein the second processor is electrically connected to the a storage device and the second transmission device, the storage device stores a plurality of debit parameters of a specified account, the second transmission device is configured to establish a first communication link with the first transmission device; and an account database server And storing a first amount of the specified account and setting up to establish a second communication link with the second transmission device; wherein, when the second transaction amount includes the second amount, the debit transaction indication is transmitted to the first communication link to After the account processing the host, the second processor performs the deduction of the second amount of the designated account, and if the first amount is less than the second amount, causing the deduction to fail, the Two processors in accordance with the plurality of reference charge Count, the deduction of the second amount of the specified account is performed again. For example, the instant transaction multiple deduction system of claim 6 of the patent scope, wherein the deduction parameters include a first time point. For example, the instant transaction multiple deduction system of claim 7 of the patent scope, wherein the deduction parameters include a second time point. For example, the instant transaction multiple deduction system of claim 7 of the patent scope, wherein the deduction parameters further include a time interval and a deduction number. The instant transaction multiple deduction system of any one of claims 6 to 9, wherein the deduction parameters further include an effective time.