TWM566875U - International remittance process system - Google Patents

Abstract

This creative department provides an international remittance process system, which mainly includes multiple check-up procedures such as customer data registration registration page, customer identity verification page, remittance page and payment method, so that customers can complete the remittance more safely and accurately.

Description

International remittance process system

This creation is mainly about an international remittance process system, especially one that obtains a password by registering a xx.com member, and then performs identity verification. When remittance is completed after the identity verification is completed, the remittance page is entered and the remittance related information is selected. The payment method can be remitted by eATM debit or by using a virtual account to transfer money, etc., and when the customer remits the money, simply log in to the member and enter the remittance page to operate. Quickly complete the purpose of remittance.

Press, telegraphic transfer (T/T) is one of the basic ways of foreign exchange remittance business. When the sender transfers money at the remittance bank, the remittance bank usually adopts the global interbank financial telecommunication network (Society for Worldwide Interbank). Financial Telecommunication, SWIFT) and other telecommunications means to send the wire transfer payment power of attorney to the import bank, instructing to pay a certain amount to the payee. The advantage of wire transfer is that the payee can quickly receive the remittance of the sender.

Among them, the remitter fills in the wire transfer order and delivers the fee to the staff of the remittance bank. The clerk must input the information filled in by the remitter into the computer and carefully review the remittance amount. In the above transaction process, The bank manually enters or manually checks to complete. Therefore, when the remitter is in the cabinet, it often takes a long time to wait, causing waste of the remitter time.

In view of the fact that the current wire transfer needs to be handled for a long time, the original design is achieved by the improved design of the creation.

The main purpose of this creation is to provide an international remittance process system that makes remittances easier and more accurate.

The main features of this creation: the international remittance process system, which mainly includes: the remittance bank computer, the remittance bank computer can access the data; the international remittance process system is built in the remittance bank computer, and the international remittance process system includes the customer. Data entry registration page, customer identity verification page (identity verification KYC process), remittance page and payment method; the guidance of the above system can make customer remittance safer and more convenient.

1‧‧‧Remittance Bank Computer

2‧‧‧International Remittance Process System

20‧‧‧Customer Information Login Registration Page

21‧‧‧Customer Identity Verification Page

22‧‧‧ Remittance page

23‧‧‧payment method

Figure 1 is a schematic diagram of the international remittance system of this creation.

Figure 2 is a flow chart of the steps of the international remittance system of this creation.

Figure 3 is a flow chart of the steps of the member registration page of the international remittance system of this creation.

Figure 4 is a flow chart of the KYC step of the international remittance system identity verification of this creation.

Figure 5 is a flow chart of the remittance steps of the international remittance system of this creation.

Figure 6 is a flow chart of the steps A of the international remittance system payment option of this creation.

Figure 7 is a flow chart of the steps B of the international remittance system payment option of the present creation.

Figure 8 is a flow chart of the C-steps of the international remittance system payment option of this creation.

Figure 9 is a flow chart of the D-steps of the international remittance system payment option of this creation.

In order to make the technical means, creative features, goals and effects of the present use easy to understand, a preferred embodiment and a drawing are used to describe the features and implementations of the present work in detail: First, please refer to the figures 1~9. This creation mainly includes the remittance bank computer 1 and the international remittance process system 2, wherein the international remittance process system 2 is stored in the remittance bank computer 1, and the international remittance process system 2 includes: Customer Information Login Registration Page 20, Customer Identity Verification Page (Identity Verification KYC Process) 21, Remittance Page 22 and Payment Method 23, where Customer Information Login Registration Page 20 is required to enter personal information (such as name, address, telephone number, email and Registration password); customer identity verification page (identification verification KYC process) 21 steps include taking photos online and retaining double documents, identifying document information, entering data to be verified (bank account number, mobile phone number, birthday) and checking whether the input account is If the account has already opened an account at the bank, the OTP verification will be completed and the KYC verification will be completed. If the account is not opened at the bank, the financial card verification (insert financial card verification) or no financial card verification (on the webpage input) will be used. Two ways, through the financial information company to pass the message to the bank peers (open the bank to be verified account), OTP verification and complete KYC verification, waiting for customer identity The certificate page (identification verification KYC process) 21 is completed and then enters the remittance page 22, the remittance page 22 step includes checking whether the identity document has expired, and the expired person will lock the remittance transaction, and need to return to the customer identity verification page ( Identity verification KYC process) 21 operation; and the unexpired person enters the remittance information (including the payee's name, occupation, collection country, purpose and amount), enters the discount code, calculates the exchange rate and the remittance amount after the discount, and then enters) Payment method 23; its payment method 23 has four modes: A, B, C and D. Among them, A mode is deducted by eATM, B mode is remitted through virtual account, and C mode is debited by ebill. The D method directly deducts the bank customer, and when the customer payment method 23 selects the A mode (please refer to FIG. 6), the steps are as follows: insert the same financial card as the KYC registered account and input the financial card password according to the screen instruction. Check whether the debit account is consistent with the KYC offer, and the deduction is successful. The remittance is successfully remitted (acquiring the MTCN code). If the deduction fails if it is not consistent with KYC, the KYC-compliant financial card re-operation process needs to be re-inserted; When the customer chooses the B method ( Please refer to Figure 7), the steps are: the payment page generates a virtual account (one hour) Within the valid payment), the customer operates the same registered account as KYC through ATM or online banking (1, ATM transfer/payment → insert financial card input password; 2, online banking transfer → login online banking input password), transfer to virtual If the account number, system check and transfer account and KYC match, and the deduction is successful, the remittance will be remitted (acquiring MTCN code). When the account does not match KYC, the transfer fails; when C mode is selected (please refer to Figure 8) ), the steps are: the system will judge whether it is the first use, if it is the first use, you must apply for the online application, the steps are: enter the xx.com payment page and insert the financial card with the same account as KYC If the online agreement is granted and the account is the same as KYC, if the account is the same as KYC, then the financial company and the issuing bank will file and complete the filing step; if the previous agreement has been granted, the directly selected account and newsletter will be selected. OTP verification, debit settlement and remittance remittance (acquiring MTCN code); when selecting D mode (please refer to Figure 9), the steps are as follows: The system will confirm whether KYC has been completed with the bank account status, and if so, Provide the bank that the customer has opened Households make choices, select the account, send SMS OTP verify whether the client himself, debit and remittance completion of the transaction (made MTCN code); if not the bank account, you can not use the D way of payment.

When using, the remitter must first enter the customer data login registration page 20 to register as a xx.com member to use, register the member account password, and then enter the customer identity verification page (identification verification KYC process) 21 for identity verification, identity verification is completed After remittance is required, enter the remittance page 22 to input the remittance related information. After the input is completed, select the payment method 23. After the remittance is completed, the MTCN code (10 digits) will be obtained, indicating that the remittance is completed. After that, if the customer needs to remit money again, only After you need to log in to the member, you can go to the remittance page 22 and enter the remittance information to conduct the remittance transaction. If the customer has previously registered but has not completed the identity verification, you must complete the identity verification before logging in to remit money.

As can be seen from the above description, this creation has the following advantages:

1. The international remittance process system 2 of this creation makes it safer and faster for customers to send money.

2. The international remittance process system 2 of this creation can choose the payment method according to the customer's needs, so it is more convenient.

3. The international remittance process system 2 of this creation is quickly verified before remittance, which shortens the remittance time.

4. The creation of the international remittance process system 2 allows customers to avoid waiting for long-term waiting at the bank, resulting in wasted time.

5. The international remittance process system 2 of this creation adopts two-way confirmation. When the customer first uses, the customer needs to register as a member and fill in the details of the remittance party and the payee data, making it easier to send money later. And safe.

However, the above is only a preferred embodiment of the present invention. When it is not possible to limit the scope of implementation of this creation, that is, the equivalent changes or modifications made by the scope of the patent application and the new description of the creation should still be It is within the scope of this creation patent.

Claims (5)

An international remittance process system mainly includes: a remittance bank computer, the remittance bank computer can access data; the international remittance process system is built in a remittance bank computer, and the international remittance process system includes a customer data registration registration page, Customer identity verification page (identity verification KYC process), remittance page and payment method; the guidance of the above system can make customer remittance safer and more convenient. For example, in the international remittance process system described in claim 1, the customer requisition registration page of the international remittance process system includes personal data input with name, address, telephone number, email address and registration password. For example, the international remittance process system mentioned in the first paragraph of the patent application, wherein the customer identity verification page of the international remittance process system includes taking pictures on the cable and retaining double documents, identifying the identification documents, inputting the information to be verified, checking the input account and the newsletter OTP. verification. For example, in the international remittance process system described in item 1 of the patent application scope, in the international remittance process system, when the customer passes the identity verification, the remittance page is included to check whether the identity document expires, and the expired person will be locked. For remittance transactions, the remittance information (including the payee's name, occupation, collection country, purpose and amount), the input of the coupon code, the calculation of the exchange rate and the remittance amount after the discount are entered. For example, the international remittance process system mentioned in the first paragraph of the patent application, in which the payment method of the international remittance process system includes deduction through eATM, remittance through a virtual account, debit payment through ebill and direct debit of the bank customer.