TWM560628U - Correlated account transaction management system - Google Patents

Abstract

An associated account transaction management system includes a financial server and an external server that stores a plurality of member information having a identity identifier and a corresponding member account. The financial server transmits a target financial account received from a user terminal, and an identity identification code to be verified and a member account to the external server. When the external server determines that the member account and the identity identifier to be verified are the same as one of the member accounts and the corresponding identity identifier of the member accounts, the external server stores the target member account and the target financial account. And transmitted to the financial server for storage. Thus, the association between the target member account and the target financial account is established on the financial server and the external server.

Description

Associated account transaction management system

The present invention relates to a transaction management system, and more particularly to an associated account transaction management system.

With the popularity of online transactions, a user usually has a membership account of a plurality of different platforms (such as a shopping platform). When trading on any platform, the server and the server on the bank must perform identity authentication and execute queries or Trading instructions. For example, the user must enter the necessary information to log in to the platform in order to checkout on the platform. Moreover, the user must enter the necessary information on the bank website to log in to the bank server to pay the amount associated with the checkout by, for example, transferring funds.

However, it is very inconvenient to log in to the platform and the server on the bank by entering the necessary information as described above. In addition, for the server of the bank, each time a request for verification is required, the foregoing verification needs to be performed, and at the same time, a large amount of verification requirements may be received, and a large amount of computing resources are occupied.

Therefore, the purpose of the present invention is to provide an associated account transaction tube. The system can overcome at least one of the shortcomings of the prior art.

Therefore, the novel account transaction management system is adapted to cooperate with a user terminal, and the user terminal can be connected to a communication network. The associated account transaction management system includes a financial server and an external server. The financial server can be connected to the user terminal via the communication network, belong to a financial institution, and store a plurality of customer information, each customer information corresponding to a customer of the financial institution, and at least including at least one assigned to the customer A financial account information, each financial account information includes a financial account number. The external server can be connected to the financial server and the user terminal via the communication network, and store a plurality of member information. Each member information has an identity code and a member account corresponding to the identity code. During the period of logging in to one of the financial account accounts, the user terminal will operate the financial account number included in one of the financial account materials included in the customer information currently registered by the user terminal as a target financial account. And transmitting, by the operation, a first link information to the financial server, the first link information includes the target financial account number, a to-be-verified identity identifier, and a to-be-verified member account. When receiving the first connection information from the user terminal, the financial server transmits a first association information to the external server according to the first connection information, where the first association information includes the target financial account, and the Verify the identity ID and the member account to be verified. The external server determines, according to the first associated information received from the financial server, that the identity identifier to be verified and the member account to be verified are respectively the same as the identity identifier of one of the member information and the identity identifier When you are a member account, you will The member account to be verified is used as a target member account, and an associated account data including the target member account and the target financial account is generated and stored, and an approval notice including the associated account information is transmitted to the financial server, so that the The financial server stores the associated account information upon receiving the approval notification from the external server.

In some implementations, in a case where the financial server and the external server have stored the associated account information, the user terminal transmits an transaction data to the user during the period of logging in to one of the member accounts. The external server, the transaction data is related to a transaction financial account number and a transaction amount. The external server, according to the transaction data received from the user end, operates the member account corresponding to the member account currently registered by the user terminal as a transaction member account, generates a transaction request, and transmits the transaction request to the transaction request. The financial server, the transaction request is related to the transaction financial account number, the transaction member account number, and the transaction amount. The financial server decrypts the transaction request received from the external server, and allows the transaction request when determining that the transaction request meets a predetermined transaction condition, the predetermined transaction condition including at least the transaction financial account number and the transaction member account number The target financial account and the target member account stored in the same account data are respectively the same.

In some implementations, each account information stored by the financial server further includes an available balance corresponding to the financial account and a validity information indicating whether the financial account is valid, and the predetermined transaction condition further includes the transaction. The request is from the external server, the target financial account is valid, and the target financial account The available balance is not less than the transaction amount.

In some implementations, the external server encrypts the transaction request by means of key encryption before transmitting the transaction request to the financial server, and the financial server determines the transaction when the transaction request is decrypted. The request is from the external server.

Another object of the present invention is to provide an associated account transaction management system that overcomes at least one of the deficiencies of the prior art.

Therefore, the related account transaction management system of the present invention is adapted to cooperate with a user terminal, and the user terminal can be connected to a communication network. The associated account transaction management system comprises a financial server and an external server. A financial server can be connected to the user terminal via the communication network, belonging to a financial institution, and storing a plurality of customer information, each customer information including at least one financial account number assigned to the customer. The external server can connect to the financial server and the user terminal via the communication network, and store a plurality of member information, each member information having a member account assigned to a member account of a member. The user terminal transmits a second link information to the external server during the period of logging in to one of the member information, and the second link information indicates the financial institution. When the external server receives the second link information from the user end, the member account included in the member information currently logged in by the user terminal is used as a target member account, and is indicated according to the second link information. The financial institution transmits a second associated information including the target member account to the financial institution The financial server. The financial server transmits a login request to the use end when receiving the second associated information from the external server. When receiving the login request, the user terminal is operative to log in to one of the customer information, and is operated by the one of the financial materials included in the customer information currently registered by the user terminal. The financial account is used as a target financial account, and an selected account information is transmitted to the financial server by operation, and the selected account information includes the target financial account. The financial server generates an associated account information including the target member account and the target financial account according to the selected account information received from the user terminal, and transmits an approval notification including the associated account information to the external server. So that the external server stores the associated account information upon receiving the approval notification from the financial server.

In some implementations, the associated account information is stored on the financial server and the external server. The user terminal operates to transmit a transaction data to the external server during the period of logging in to one of the member accounts, the transaction data being related to a transaction financial account number and a transaction amount. The external server uses the transaction data received from the user terminal to operate the member account corresponding to the member account currently registered by the user terminal as a transaction member account, and generates a transaction request, and encrypts the transaction request. Transmitted to the financial server, the transaction request is related to the transaction financial account number, the transaction member account number and the transaction amount. The financial server decrypts the transaction request received from the external server, and allows the transaction request when it is determined that the transaction request meets a predetermined transaction condition, the predetermined transaction condition including at least the transaction The financial account number and the transaction member account are respectively the same as the target financial account and the target member account stored in the associated account information.

In some implementations, each account information stored by the financial server further includes an available balance corresponding to the financial account and a validity information indicating whether the financial account is valid, and the predetermined transaction condition further includes the transaction. The request is from the external server, the target financial account is valid, and the available balance of the target financial account is not less than the transaction amount.

In some implementations, the external server encrypts the transaction request by means of key encryption before transmitting the transaction request to the financial server, and the financial server determines the transaction when the transaction request is decrypted. The request is from the external server.

In some implementations, the user terminal is a mobile device.

In some implementations, the use end is an automated teller machine.

In some implementations, the identity identifier is an identity card number.

In some implementations, each customer information stored by the financial server further includes a identity identifier corresponding to the client and a password uniquely corresponding to the identity identifier. The financial server allows the user to log in to one of the customer information after determining that the login content generated by the operation received from the user terminal meets a login condition, the login content has a to-be-verified identity identifier And a password to be verified. The login condition includes the identity to be verified that the login content has And the password to be verified is the same as the identity identifier of the one of the customer information stored by the financial server and the password.

It is yet another object of the present invention to provide an associated account transaction management system that overcomes at least one of the deficiencies of the prior art.

An associated account transaction management system is adapted to cooperate with a user terminal, the user terminal being connectable to a communication network, the associated account transaction management system comprising a financial server and an external server. The financial server can be connected to the user terminal via the communication network, belong to a financial institution, and store a plurality of customer information, each customer information corresponding to a customer of the financial institution, and including at least one assigned to the customer The financial account information and the identity code corresponding to the customer, each financial account information includes a financial account number and a pair of identity identifiers of the customer. The external server can connect to the financial server and the user terminal via the communication network, and store a plurality of member information, each member information having a member account assigned to a member account of a member. During the period of logging in to the external server to access one of the member information, the user terminal transmits a third link information to the external server, and the third link information indicates the financial institution and includes a The financial account to be verified and the identity ID to be verified. When the external server receives the third link information from the user terminal, the member account included in the member information currently logged in by the user terminal is used as a target member account, and is indicated according to the third link information. The financial institution will transmit a third associated information including the financial account to be verified and the identity identifier to be verified. To the financial server attributable to the financial institution. The financial server determines, according to the third associated information that receives the external server, that the financial account to be verified and the identity to be verified are the same as the financial account number of one of the financial account information and the financial account number When the identity identifier is used, the financial account to be verified is used as a target financial account, and a one-time verification code is transmitted to the user. When receiving the one-time verification code, the user terminal transmits an to-be-verified code to the external server by operation, so that the external server transmits the to-be-verified code to the financial server. When the financial server determines that the to-be-verified code received from the external server matches the one-time verification code, generates an associated account data including the target member account and the target financial account, and transmits the associated account information. An approval notification is sent to the external server, so that the external server stores the associated account information upon receiving the approval notification from the financial server.

The effect of the novel is that the customer performs the identity verification once, so that the financial server and the external server store the associated account data to establish the association between the financial account and the member account of the client on the two servers respectively. After that, the customer's transaction does not need to be separately verified on the two servers. In addition to simplifying the transaction process and speeding up the transaction, the system computing requirements can also be reduced.

100‧‧‧Linked Account Transaction Management System

1, 1'‧‧‧ use end

2‧‧‧Financial Server

21, 21’‧‧‧Customer Information

211‧‧‧ Identity ID

212‧‧‧ password

213‧‧‧Financial Account Information

213a‧‧‧Financial Account

213b‧‧‧Available balance

213c‧‧‧ Validity Information

3‧‧‧ external server

31, 31’‧‧‧Member Information

311‧‧‧ Identity ID

312‧‧‧Membership account

4‧‧‧Communication network

D‧‧‧Linked account information

S21~S210‧‧‧Steps

S41~S49‧‧‧Steps

S51~S513‧‧‧Steps

S61~S614‧‧‧Steps

Other features and effects of the present invention will be apparent from the following description of the drawings, in which: 1 is a block diagram illustrating an embodiment of the associated account transaction management system of the present invention; FIG. 2 is a flow chart illustrating the first mode in which the association between two accounts is established; FIG. 3 is a block. FIG. 4 is a flowchart showing how to perform a transaction after establishing the association between two accounts; FIG. 5 is a schematic diagram showing that the embodiment establishes a related account data for storing associations related to the two accounts; FIG. A flow chart illustrating a second way in which this embodiment will establish the association of two accounts; and FIG. 6 is a flow chart illustrating a third way in which this embodiment will establish the association of two accounts.

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 FIG. 1, an embodiment of an associated account transaction management system 100 is adapted to cooperate with a plurality of users 1, 1', and each user terminal 1 (1') is connectable to a communication network 4. In this embodiment, each of the terminals 1 (1') is a mobile device, an automatic teller machine or a personal computer, and is not limited thereto.

The associated account transaction management system 100 includes a financial server 2 and a External servo terminal 3.

The financial server 2 can be connected to each user terminal 1 (1') via the communication network 4, and belongs to a financial institution, and stores a plurality of customer information 21, 21', each customer information 21 (21') Corresponding to a customer of the financial institution, and including a identity identifier 211 corresponding to the client, a password 212 uniquely corresponding to the identity identifier 211, and a plurality of financial account information 213. Each financial account information 213 includes a financial account 213a, an available balance 213b corresponding to the financial account 213a, and a validity information 213c indicating whether the financial account 213a is valid. In this embodiment, the financial institution is, for example, a bank, and the financial server 2 includes, for example, a server (not shown) belonging to the bank and connectable to the communication network 4, and electrically connected to the server. The host (not shown) that executes the transaction and a storage device (not shown) that electrically connects the host and stores the data are not limited thereto.

In the present embodiment, the available balance 213b indicates the balance that the financial account 213a can be withdrawn, and in some cases (eg, the partial balance is circled or mortgaged), the available balance 213b will be less than the total amount of the financial account 213a. In this embodiment, the validity of the financial account 213a refers to whether the financial account 213a is a suspicious financial account 213a. For example, the validity information 213c corresponding to the financial account 213a notified by the fraud indicates the financial account 213a. Invalid.

The external server 3 can be connected to the financial server 2 and each of the users 1 (1') via the communication network 4, and store a plurality of member information 31, 31', each member The information 31 (31') includes an identity code 311 and a member account 312 corresponding to the identity code 311. In this embodiment, the external server 3 is, for example, a server belonging to a shopping website provider. The member information 31 (31') is a member account of the shopping website, and is not limited thereto. In other implementations. The external server 3 may also be a server belonging to an electronic payment provider or an electronic ticket vendor. In this embodiment, the identity identification code 311 is an identity card number.

Referring to FIG. 2, the following uses the usage end 1' as an example to illustrate that the embodiment will belong to one of the financial account 213a belonging to the financial institution and the member accounts belonging to the shopping website provider. One of the first ways in which 312 establishes relevance. In the first mode, the client of the financial institution operates the user terminal 1' such that the user terminal 1' performs the following steps during the period of logging in to the financial server 2 to access the client account information 21'. For example, the customer logs into the server of China Trust Internet Bank by entering the identity card number and network password, and performs the following steps.

Step S21: The user terminal 1' operates the financial account 213a included in the financial account information 213 included in the client information 21' currently registered by the user terminal 1' as a target financial account. Continuing the previous example, China Trust Internet Bank displays the financial account number of the customer for selection. After the customer selects one of the financial accounts, the financial account is used as the target financial account.

Step S22: the user terminal 1' operates to transmit a first link information to The financial server 2 includes the target financial account number, a to-be-verified identity identifier, and a to-be-verified member account. In this embodiment, the identity identifier to be verified is, for example, the identity card number of the client, and the member account to be verified is, for example, a member account 312 assigned to the client by the shopping website operator.

Step S23: The financial server 2 receives the first link information from the user terminal 1'.

Step S24: The financial server 2 transmits a first associated information to the external server 3 according to the first link information, where the first associated information includes the target financial account, the identity to be verified, and the member to be verified. account number.

Step S25: The external server 3 receives the first associated information from the financial server 2.

Step S26: The external server 3 determines, according to the first association information, whether the identity identifier to be verified and the member account to be verified are identical to the identity identification of one of the member account materials 31 (31') respectively. Code 311 and the member account 312. If the result is YES, that is, to ensure that the verified member account entered by the customer is correct and indeed corresponds to the identity identifier of the customer to be verified, the process proceeds to step S27; if the result is negative, the user inputs the If the identity identifier to be verified and one of the to-be-verified member accounts are incorrect, or the representative account to be verified is not the identity identifier to be verified, the flow proceeds to step S27'.

Step S27: The external server 3 regards the member account to be verified as one Target member account.

Step S27': A non-registration notification is sent to the user terminal 1'.

Step S28: The external server 3 generates and stores an associated account data D including the target member account and the target financial account, and transmits an approval notice including the associated account information D (see FIG. 3) to the financial server. 2. Thus, the target member account assigned to the client and the target financial account are associated at the external server 3.

Step S29: The financial server 2 receives the approval notification from the external server 3.

Step S210: The financial server 2 stores the associated account information D (see FIG. 3). Thus, the target member account and the target financial account are also associated with the financial server 2.

Referring to FIG. 3 and FIG. 4, in the following, when the financial server 2 and the external server 3 store the associated account data D, the external server 3 is accessed at the user terminal 1' to access the member information 31. How does this embodiment perform a transaction during the period of '. For convenience of explanation, the member account included in the member information 31' is the target member account. For example, the customer logs into the server of the shopping website provider by entering the identity card number and the member account number, and performs the following steps.

Step S41: The user terminal 1' operates to transmit a transaction data to the external server 3, and the transaction data is related to a transaction financial account number and a transaction amount. E.g, The external server 3 causes the shopping website displayed by the user 1' to display the target financial account corresponding to the target member account according to the associated account information D, for the client to operate the user terminal 1'. Checked, the selected financial account is the transaction financial account mentioned in the step, and is not limited to this.

Step S42: The external server 3 receives the transaction data from the user terminal 1', and uses the member account 312 corresponding to the member account currently registered by the user terminal 1' as a transaction member account. In the continuation of the previous example, the target member account is used as the member account of the transaction.

Step S43: The external server 3 generates a transaction request and encrypts the transaction request by means of a key encryption, the transaction request being related to the transaction financial account number, the transaction member account number and the transaction amount.

Step S44: The external server 3 transmits the transaction request to the financial server 2.

Step S45: The financial server 2 receives the transaction request from the external server 3.

Step S46: The financial server 2 decrypts the transaction request.

Step S47: The financial server 2 determines whether the transaction request meets a predetermined transaction condition. If the result is YES, the flow proceeds to step S48, and if the result is negative, the flow proceeds to step S49.

In this embodiment, the predetermined transaction condition includes the transaction financial account number. And the transaction member account is the same as the target financial account and the target member account stored in the associated account data D stored in the financial server 2, and the transaction request is from the external server 3 and the target financial account. To be valid, and the available balance 213b of the target financial account is not less than the transaction amount. In this embodiment, the financial server 2 determines that the transaction request is from the external server 3 when the transaction request can be decrypted according to the key.

Step S48: The financial server 2 allows the transaction request and transmits a callable reply to the user terminal 1' for display. The replies include, for example, information about the shopping website operator and the financial account and member number in a hidden code. Thus, the customer can confirm the transaction has been approved and the details of the transaction by the user terminal 1'.

Step S49: The financial server 2 transmits a non-return to the user terminal 1'.

In the following, the present embodiment is combined with a single user terminal 1' as an example. This embodiment is used to establish one of the financial account numbers 213a belonging to the financial institution and one of the member account accounts 312 belonging to the shopping website provider. The second way of relevance. In the second mode, the client operates the user terminal 1' such that the user terminal 1' performs the following steps during the login to the external server 2 to access the member account 31'.

Step S51: The user terminal 1' operates to transmit a second link information to the external server terminal 3, and the second link information indicates a financial institution. In this embodiment, The financial institution is, for example, China Trust Bank, and the second link information is, for example, a text or code indicating the China Trust Bank.

Step S52: The external server 3 receives the second link information from the use terminal 1'.

Step S53: The external server 3 uses the member account corresponding to the member account currently registered by the user terminal 1' as a target member account.

Step S54: The external server 3 transmits a second associated information to the financial server 2 belonging to the financial institution according to the financial institution indicated by the second link information, and the second associated information includes the target member. account number.

Step S55: The financial server 2 receives the second associated information from the external server 3.

Step S56: The financial server 2 transmits a login request to the user terminal 1'.

Step S57: The receiving end 1', upon receiving the login request, operates to log in to the financial server 2 to access one of the customer information 21 (e.g., customer information 21'). In this embodiment, the financial server 2 allows the user terminal 1' when it is determined that the login content received from the user terminal 1' and is operated by the user terminal 1' meets a login condition. Log in to customer information 21'. The login content has, for example, a to-be-verified identity identifier and a to-be-verified password, and the login condition includes, for example, the to-be-verified identity identifier and the to-be-verified password respectively of the login content being the same as The identity identifier 211 of the customer information 21' stored by the financial server 2 and the password 212. For example, when the user terminal 1' receives the login request, the screen of the user terminal 1' displays a page of the website of the financial institution, and the client inputs the identity card number in the field of the page (ie, Verify the identity code) and the corresponding password (ie the password to be verified) in order to log in to the customer information 21'. The means for logging in is not limited to this embodiment. In other implementations, it may be determined, for example, whether the login is permitted via a result of biometric identification such as a fingerprint.

Step S58: The user terminal 1' operates the financial account 213a included in the financial account information 213 included in the client information 21' currently registered by the user terminal 1' as a target financial account. For example, the user terminal 1' displays the plurality of financial account numbers of the customer at the China Trust Bank for the customer to select. After the customer selects one of the financial account accounts, the account is the target financial account.

Step S59: The user terminal 1' is operated to transmit a selected account information to the financial server 2, and the selected account information includes the target financial account.

Step S510: The financial server 2 generates and stores an associated account data D including the target member account and the target financial account according to the selected account information received from the user terminal 1'. Thus, the target member account and the target financial account are associated with the financial server 2.

Step S511: The financial server 2 transmits an approval notification including the associated account information to the external server 3.

Step S512: The external server 3 receives the approval notification from the financial server 2.

Step S513: The external server 3 stores the associated account information D. Thus, the target member account and the target financial account are also associated with the external server 3.

In the following, the present embodiment is combined with a single user terminal 1' as an example. This embodiment is used to establish one of the financial account numbers 213a belonging to the financial institution and one of the member account accounts 312 belonging to the shopping website provider. The third way of relevance. In the third mode, the client operates the user terminal 1' such that the user terminal 1' performs the following steps during the login to the external server 2 to access the member account 31'.

Step S61: The user terminal 1' operates to transmit a third link information to the external server 3, the third link information indicating a financial institution and including a financial account to be verified and a identity to be verified. For example, the financial institution is, for example, China Trust Bank, and the third link information is, for example, a text or code indicating the China Trust Bank, and includes the identity card number of the customer (ie, the identity identifier to be verified) and the customer. In the bank account number of the China Trust Bank (ie, the financial account to be verified), the input method is, for example, a screen displaying the website of the shopping website operator on the screen of the user terminal 1', and the customer inputs the identity card number in the field of the page. (ie the identity ID to be verified) and the bank account number of the customer at China Trust Bank (ie the financial account to be verified).

Step S62: The external server 3 receives the third link information from the user terminal 1'.

Step S63: The external server 3 uses the member account included in the member information currently registered by the user terminal 1' as a target member account.

Step S64: The external server 3 transmits, according to the financial institution indicated by the third link information, a third associated information including the financial account to be verified and the identity identifier to be verified to the financial institution. The financial server 2.

Step S65: The financial server 2 determines, according to the third associated information received from the external server 3, whether the identity identifier to be verified and the financial account to be verified are identical to the identity identifier 213d of the client information 21', respectively. And the financial account 213a of one of the financial account information 213, if the result is yes, the financial server 2 performs step S66, and if the result is no, the financial server 2 performs step S67.

Step S66: The financial server 2 uses the financial account to be verified as a target financial account, and transmits a one-time verification code to the user terminal 1'.

Step S67: The financial server 2 transmits an error message to the user terminal 1' for display by the user terminal 1'.

Step S68: When receiving the one-time verification code, the user terminal 1' transmits an to-be-verified code to the external server terminal 3 through operation.

Step S69: the external server 3 transmits the to-be-verified code to the financial Servo terminal 2.

Step S610: The financial server 2 determines whether the code to be verified received from the external server matches the one-time verification code. If the result is yes, the financial server 2 performs step S611. If the result is no, the financial server End 2 performs step S612.

Step S611: The financial server 2 generates and stores an associated account information D including the target member account and the target financial account.

Step S612: The financial server 2 transmits an error message to the user terminal 1' for display by the user terminal 1'.

Step S613: The financial server 2 transmits an approval notification including the associated account information D to the external server 3.

Step S614: The external server 3 stores the associated account information D when receiving the approval notification from the financial server 2.

In summary, the customer performs the identity verification to enable the financial server 2 and the external server 3 to store the associated account data to establish the financial account 213a and the member account 312 of the client at the two servers respectively. Relevance, then the customer's transaction does not need to separately verify the identity of the two servers, in addition to simplifying the transaction process and speeding up the transaction, it can also reduce the system computing requirements. Therefore, the purpose of this new type can be achieved.

However, the above descriptions are only examples of the present invention, and the scope of the present invention cannot be limited thereto, and the patent scope and patent description according to the present invention are applicable. The simple equivalent changes and modifications made in the contents of the book are still covered by this new patent.

Claims (22)

An associated account transaction management system is adapted to cooperate with a user terminal, the user terminal can be connected to a communication network, and the associated account transaction management system comprises: a financial server terminal, which can be connected to the user terminal via the communication network, belonging to a financial institution, and storing a plurality of customer information, each customer information corresponding to a customer of the financial institution, and at least including at least one financial account information assigned to the customer, each financial account information including a financial account; an external The server can connect to the financial server and the user terminal via the communication network, and store a plurality of member information, each member information having a identity identifier and a member account corresponding to the identity identifier; and During the period of logging in to the financial server to access one of the customer information, the user terminal is configured to include the financial account information included in the customer information currently registered by the user terminal. The financial account is used as a target financial account, and a first link information is transmitted to the financial server by operation, the first The information includes the target financial account number, a pending identity identifier, and a to-be-verified member account. The financial server receives a first link information from the user terminal according to the first link information. An associated information is transmitted to the external server, the first associated information includes the target financial account, the identity to be verified, and the member account to be verified; wherein the external server is based on the first received from the financial server An associated information determines that the identity identifier to be verified and the member account to be verified are respectively the same as the one of the member information When the identification code and the member account are separated, the member account to be verified is regarded as a target member account, and an associated account data including the target member account and the target financial account is generated and stored, and one of the associated account information is transmitted. The approval notice is sent to the financial server, so that the financial server stores the associated account information when receiving the approval notification from the external server. The associated account transaction management system of claim 1, wherein, when the financial server and the external server have stored the associated account data; the user is logged into the external server to access the members. During the period of one of the accounts, a transaction data is transmitted to the external server by operation, the transaction data is related to a transaction financial account number and a transaction amount; when the external server receives the transaction data from the user terminal, The member account corresponding to the member account currently logged in as the transaction member account is used as a transaction member account, and a transaction request is generated, and the transaction request is transmitted to the financial server, the transaction request is related to the transaction financial account, the transaction a member account and the transaction amount; and the financial server decrypts the transaction request received from the external server, and allows the transaction request when the transaction request is determined to meet a predetermined transaction condition, the predetermined transaction condition including at least the The transaction financial account number and the transaction member account number are the same as the target stored in the associated account data. Financial account number and the target member account number. The associated account transaction management system of claim 2, wherein each financial account included in each customer information stored by the financial server is And a validity information corresponding to the financial account and a validity information indicating whether the financial account is valid, the predetermined transaction condition further comprising: the transaction request is from the external server, the target financial account is valid, and The available balance of the target financial account is not less than the transaction amount. The associated account transaction management system according to claim 3, wherein the external server encrypts the transaction request by means of key encryption before transmitting the transaction request to the financial server, and the financial server When the transaction request is decrypted, it is judged that the transaction request is from the external server. The associated account transaction management system of any one of claims 1 to 4, wherein the user terminal is a mobile device. The associated account transaction management system of any one of claims 1 to 4, wherein the use end is an automated teller machine. The associated account transaction management system according to any one of claims 1 to 4, wherein the identity identification code is an identity card number. An associated account transaction management system is adapted to cooperate with a user terminal, the user terminal can be connected to a communication network, and the associated account transaction management system comprises: a financial server terminal, which can be connected to the user terminal via the communication network, belonging to a financial institution, and storing a plurality of customer information, each customer information corresponding to a customer of the financial institution, and at least including at least one financial account information assigned to the customer, each financial account information including a financial account number; An external server connected to the financial server and the user terminal via the communication network, and storing a plurality of member information, each member information having a member account assigned to a member account of the member; wherein the user terminal transmits a second link information to the external server during the period of logging in to the external server to access one of the member information End, the second link information indicates the financial institution; wherein, when the external server receives the second link information from the user end, the member account included in the member information currently logged in by the user terminal is used as the member account a target member account, and transmitting, according to the financial institution indicated by the second link information, a second association information including the target member account to the financial server belonging to the financial institution; wherein the financial server Receiving, by the terminal, a login request to the user terminal when receiving the second association information from the external server; wherein, when receiving the login request, the user terminal operates to log in to the financial server to access the One of the customer information, and one of the financial account information included in the customer information currently registered by the user terminal is operated The financial account is used as a target financial account, and the selected account information is transmitted to the financial server by operation, and the selected account information includes the target financial account; wherein the financial server is received according to the receiving end. The selected account information generates an associated account information including the target member account and the target financial account, and transmits an approval notice including the associated account information to the external server, so that the external server receives the response from the external server. The associated account information is stored in the approval notification of the financial server. The associated account transaction management system of claim 8, wherein the associated account information is stored on the financial server and the external server The user is operating to transmit a transaction data to the external server during the period of logging in to the external server to access one of the member accounts, the transaction data being related to a transaction financial account number and a transaction amount When the external server receives the transaction data from the user terminal, the member account corresponding to the member account currently registered by the user terminal is used as a transaction member account, and generates a transaction request, and encrypts the transaction request. And transmitting to the financial server, the transaction request is related to the transaction financial account, the transaction member account and the transaction amount; and the financial server decrypts the transaction request received from the external server, and determines the transaction request When the predetermined transaction condition is met, the transaction request is allowed, and the predetermined transaction condition includes at least the transaction financial account and the transaction member account being the same as the target financial account and the target member account stored in the associated account data. The associated account transaction management system of claim 9, wherein each financial account information included in each customer information stored by the financial server further includes an available balance corresponding to the financial account number and an indication of the financial Whether the account is valid or not, the predetermined transaction condition further includes that the transaction request is from the external server, the target financial account is valid, and the available balance of the target financial account is not less than the transaction amount. The associated account transaction management system of claim 10, wherein the external server encrypts the transaction request by means of key encryption before transmitting the transaction request to the financial server, and the financial server Transaction please When decryption is sought, it is judged that the transaction request is from the external server. The associated account transaction management system of any one of claims 8 to 11, wherein the user terminal is a mobile device. The associated account transaction management system of any one of claims 8 to 11, wherein the use end is an automated teller machine. The associated account transaction management system according to any one of claims 8 to 11, wherein the identity identifier is an identity card number. The associated account transaction management system of claim 8, wherein each customer information stored by the financial server further includes a identity identifier corresponding to the client and a password uniquely corresponding to the identity identifier; The financial server allows the user to log in to the financial server to access one of the customer information after determining that the login content generated by the operation received from the user terminal meets a login condition. The content has a to-be-verified identity identifier and a to-be-verified password; wherein the login condition includes the to-be-verified identity identifier and the to-be-verified password of the login content are the same as the clients stored by the financial server The identity code of the one of the information and the password. An associated account transaction management system is adapted to cooperate with a user terminal, the user terminal can be connected to a communication network, and the associated account transaction management system comprises: a financial server terminal, which can be connected to the user terminal via the communication network, belonging to a financial institution, and storing a plurality of customer information, each customer information corresponding to a customer of the financial institution, and including at least one financial account information assigned to the customer and a identification code corresponding to the customer, each pen The financial account information includes a financial account number and a pair of identity identifiers of the client; and an external server connected to the financial server and the user terminal via the communication network, and storing multiple member information, each member information a member account having a member account assigned to a member; wherein the user terminal transmits a third link information to the outside during the period of logging in to the external server to access one of the member information The server, the third link information indicates the financial institution and includes a financial account to be verified and a to-be-verified identity identifier; wherein the external server receives the third link information from the user terminal, The member account included in the member information currently registered by the user terminal is used as a target member account, and the financial institution indicated by the third link information will include the financial account to be verified and the identity identifier to be verified. a third associated information is transmitted to the financial server belonging to the financial institution; wherein the financial server is receiving the The third associated information of the server server determines that the financial account to be verified and the identity to be verified are the same as the financial account number and the identity identifier of one of the financial account information, and the Verifying the financial account as a target financial account, and transmitting a one-time verification code to the user terminal; wherein, when receiving the one-time verification code, the user terminal transmits an to-be-verified code to the external server by operation. So that the external server transmits the to-be-verified code to the financial server; wherein the financial server determines that it is received from the external server. When the to-be-verified code matches the one-time verification code, generating an associated account information including the target member account and the target financial account, and transmitting an approval notification including the associated account information to the external server, so that the The external server stores the associated account information upon receiving the approval notification from the financial server. The associated account transaction management system of claim 16, wherein, when the financial server and the external server have stored the associated account data; the user is logged into the external server to access the members. During the period of one of the accounts, a transaction data is transmitted to the external server by operation, the transaction data is related to a transaction financial account number and a transaction amount; when the external server receives the transaction data from the user terminal, The member account corresponding to the member account currently logged in as the transaction member account is used as a transaction member account, and a transaction request is generated, and the transaction request is encrypted and transmitted to the financial server, and the transaction request is related to the transaction financial account, The transaction member account and the transaction amount; and the financial server decrypts the transaction request received from the external server, and allows the transaction request when the transaction request determines that the transaction request meets a predetermined transaction condition, the predetermined transaction condition is at least Including the transaction financial account number and the transaction member account number are the same as the associated account information stored The goal of the financial account and the target account member. The associated account transaction management system of claim 17, wherein each financial account information included in each customer information stored by the financial server further includes an available balance corresponding to the financial account number and an indication The validity information of whether the financial account is valid, the predetermined transaction condition further includes that the transaction request is from the external server, the target financial account is valid, and the available balance of the target financial account is not less than the transaction amount. The associated account transaction management system of claim 18, wherein the external server encrypts the transaction request by means of key encryption before transmitting the transaction request to the financial server, and the financial server When the transaction request is decrypted, it is judged that the transaction request is from the external server. The associated account transaction management system of any one of claims 16 to 19, wherein the user terminal is a mobile device. The associated account transaction management system of any one of claims 16 to 19, wherein the use end is an automated teller machine. The associated account transaction management system of any one of claims 16 to 19, wherein the identity identifier is an identity card number.