TWM572508U - Automatic re-deduction system - Google Patents

Abstract

An automatic re-deduction system includes an application device and a transfer server. The application device allows a user to set an insufficient balance re-deduction function for an account. The transfer server is connected to the application device. After a user sets the insufficient balance re-deduction function via the application device, the transfer server will schedule a predetermined time to re-deduction the account in the event of insufficient balance of the account.

Description

Automatic re-deduction system

The present invention relates to a deduction system, and more particularly to an automatic re-deduction system.

With the advancement of technology, the computer industry is also increasingly developed, and all walks of life can quickly use computers and the Internet for transactions and remittances. Various forms of trading models are also booming, allowing consumers and businesses to trade easily and quickly.

In today's society with developed Internet technologies, the financial affairs of many banks have been digitized and networked. Many customers use online banking for remittance transactions. However, in the process of transferring money and remittance, if you do not pay attention to it for a while, it may be due to insufficient account balance, which may cause the remittance to fail.

If there are more than one transaction, there are more than 10, 20, etc., the remitter must re-edit and re-transfer, which not only causes the trouble of the remitter, but also the payee cannot obtain the instant because of the failure of the remittance. The funds required may also cause considerable confusion. How to improve the chances of failure of remittances, which financial institutions, remitter and payees are looking forward to.

The novel content is intended to provide a simplified summary of the disclosure in order to provide a basic understanding of the disclosure. This Summary is not an extensive overview of the disclosure, and is not intended to identify key/critical elements of the novel embodiments or the scope of the invention.

One of the contents of this novel content is to provide an automatic re-deduction system to improve the success rate of transfer remittance operations.

In order to achieve the above object, one aspect of the present invention relates to an automatic re-debit system including an application device and a transfer server.

The application device provides a function for the user to set a deposit balance to be less than the re-debit of the account, and the transfer server is connected to the application device. When a user sets the deposit balance to be less than the re-debit function via the application device, the transfer server is When the account remittance function is performed, if the deposit balance is insufficient, the account will be re-debited at the scheduled time.

In an embodiment, the automatic re-debit system further includes a notification device connected to the transfer server, and when the transfer server performs the remittance function of the account, if the deposit balance is insufficient, the user is notified.

In an embodiment, the automatic re-debit system further includes a single transfer device connected to the transfer server to provide the user with a single transfer transfer.

In an embodiment, the automatic re-debit system further includes a plurality of remittance devices connected to the transfer server to provide a user to make a plurality of transfer remittances.

In an embodiment, the automatic re-debit system further includes a Financial Electronic Data Interchange (FEDI) transfer device connected to the transfer server to provide the user with a financial electronic data exchange transfer.

In an embodiment, the transfer server includes a setting component to set the account as a re-debitable account after the application device sets the account balance of the account to be less than the re-debit.

In an embodiment, the transfer server further includes a transfer component to perform a transfer transfer according to the user's needs.

In an embodiment, the transfer server further includes an insufficient balance determining component connected to the transfer component to determine whether the balance of the account is sufficient when the transfer is made.

In an embodiment, the transfer server further includes a re-debiting component connected to the insufficient balance determining component and the setting component, and when the setting component setting account is a re-debitable debit account, if the deposit balance is insufficient, the predetermined time is , the account is re-debited.

In an embodiment, the transfer server further includes a timing component coupled to the re-debiting component to notify the re-debiting component at a predetermined time, and the account is re-debited.

Therefore, the automatic re-deduction system disclosed in the present invention can re-debit the account in the case that the account balance is insufficient when the user passes the setting, and can notify the user via the notification device when the deduction fails. In order to instantly replenish the account balance, effectively increase the probability of successful transfer remittance.

The basic spirit and other novel objects of the present invention, as well as the technical means and implementations of the present invention, can be readily understood by those of ordinary skill in the art.

100‧‧‧Automatic re-deduction system

110‧‧‧Application device

120‧‧‧Single transfer device

130‧‧‧ Whole batch of remittance devices

140‧‧‧FEDI transfer device

150‧‧‧Transfer Server

152‧‧‧Set components

154‧‧‧Transfer components

156‧‧‧ insufficient balance judgment component

158‧‧‧Re-depositing components

160‧‧‧Timekeeping components

170‧‧‧Notification device

The above and other objects, features, advantages and embodiments of the present invention can be more clearly understood. The description of the drawings is as follows: FIG. 1 is a schematic diagram showing an automatic re-carrying system according to an embodiment of the present invention. .

The various features and elements in the figures are not drawn to scale, and are in the In addition, similar elements/components are referred to by the same or similar element symbols throughout the different drawings.

In order to make the description of the present disclosure more detailed and complete, the following description of the embodiments of the present invention and the specific embodiments thereof are set forth. The features of various specific embodiments, as well as the method steps and sequences thereof, are constructed and manipulated in the embodiments. However, other specific embodiments may be utilized to achieve the same or equivalent function and sequence of steps.

Unless otherwise defined in the specification, the meaning of the scientific and technical terms used herein is the same as that of ordinary skill in the art. In addition, in the absence of conflict with the context, The singular noun used in this specification encompasses the plural of the noun, and the plural noun used also encompasses the singular of the noun.

In addition, the term "connected" as used herein may mean that two or more elements are in direct physical or electrical contact with each other, or indirectly in physical or electrical contact with each other, or that two or more elements are interoperable or Actions, or connections through the Internet, do not depart from the spirit and scope of the present invention. Furthermore, the components, devices, components, and servers used herein may be operated in separate computer mainframes or devices, and may be operated and integrated in one or more computer mainframes or devices. They do not deviate from the spirit and scope of this new model.

FIG. 1 is a schematic diagram showing an automatic re-deduction system according to an embodiment of the present invention. As shown, the automatic re-debit system 100 includes an application device 110 and a transfer server 150 coupled to the application device 110.

The application device 110 provides a function for the user to set a deposit balance for the account to be insufficiently re-debited. When the user sets the deposit balance to the function of re-depositing via the application device 110, the transfer server 150 performs the remittance function of the account, and if the deposit balance is insufficient, the account will be debited at a predetermined time. For example, the next hour after the deduction is insufficient or the re-deduction is made every 30 minutes, which does not deviate from the scope of the present invention.

In an embodiment, the predetermined debit time can be up to 3 pm on the debit date, so that the user can deposit the appropriate amount into the account, thereby preventing the balance from being insufficient.

The automatic re-debit system further includes a notification device 170 connected to the transfer server 150. When the transfer server 150 performs the remittance function of the account, the user is notified if the deposit balance is insufficient. The notification device 170 can be an email notification device, an APP push notification device, or a short message notification device, all without departing from the spirit and scope of the present invention.

In an embodiment, the automatic re-debit system further includes a single transfer device 120 coupled to the transfer server 150 to provide the user with a single transfer transfer.

In an embodiment, the automatic re-debit system further includes a plurality of remittance devices 130 coupled to the transfer server 150 to provide the user with a plurality of transfer remittances.

In an embodiment, the automatic re-debit system further includes an FEDI transfer device 140 coupled to the transfer server 150 to provide the user with a Financial Electronic Data Interchange (FEDI) transfer remittance.

In one embodiment, the transfer server 150 includes a setting component 152 to set and record the account as a re-debitable account after the application device 110 sets the deposit balance of the account described above to be less than the re-debit.

In an embodiment, the transfer server 150 further includes a transfer component 154 to perform a transfer transfer according to the needs of the user.

In an embodiment, the transfer server 150 further includes a balance deficiency determination component 156 coupled to the transfer component 154 to determine whether the balance of the account is sufficient when the transfer is made.

In an embodiment, the transfer server 150 further includes a re-debiting component 158 connected to the balance deficient determining component 156 and the setting component 152. When the setting component 152 sets the account as a re-debitable debit account, if the deposit balance is insufficient, In the case of the scheduled time, the account is re-debited. The predetermined time may be the next whole point after the deduction is insufficient or the range of the novel is not departed every 30 minutes. In addition, the scheduled debit time can be up to 3 pm on the debit date, so that the user can deposit the appropriate amount into the account to avoid the insufficient balance.

In one embodiment, the transfer server 150 further includes a timing component 160 coupled to the reloading component 158 to notify the re-debiting component 158 at the predetermined time set for re-debiting by the account.

In summary, the automatic re-debiting system disclosed in the present invention can perform re-deduction for the case that the balance of the account is insufficient when the user passes the setting, and can notify the notification device when the deduction fails. Users, in order to instantly make up the balance of the account, effectively reduce the probability of failure of transfer remittance, and improve the probability of successful transfer remittance.

The specific embodiments of the present invention are disclosed in the above embodiments, and are not intended to limit the present invention. Those of ordinary skill in the art to which the present invention pertains, without departing from the spirit and scope of the present invention, Various changes and modifications may be made thereto, and the scope of protection of the present invention is defined by the scope of the accompanying claims.

Claims (10)

An automatic re-debiting system comprising: an application device, providing a function for a user to set a deposit balance to be less than a re-debit; and a transfer server connected to the application device, when the user passes the application After the device sets the balance of the deposit to be less than the function of the re-debit, the transfer server will perform the remittance function of the account, and if the balance of the deposit is insufficient, the account will be re-debited at a predetermined time. The automatic re-debit system according to claim 1 further includes a notification device connected to the transfer server, and when the transfer server performs the remittance function of the account, if the deposit balance is insufficient, the notification is notified. user. The automatic re-debit system as claimed in claim 2 further includes a single transfer device connected to the transfer server to provide the user with a single transfer transfer. The automatic re-debiting system as claimed in claim 3 further includes a whole batch of remittance devices connected to the transfer server to provide the user to make a plurality of transfer remittances. The automatic re-debit system as described in claim 4 further includes a financial electronic data exchange (Financial Electronic Data) An Interchange; FEDI) transfer device is connected to the transfer server to provide the user with a financial electronic data exchange transfer. The automatic re-debit system according to claim 2, wherein the transfer server includes a setting component to set the account as one after the application device sets the account balance of the account to be less than the re-debit function. Re-debit the account. The automatic re-debit system according to claim 6, wherein the transfer server further comprises a transfer component to perform a transfer transfer according to the user's demand. The automatic re-debiting system as claimed in claim 7, wherein the transfer server further comprises an insufficient balance determining component connected to the transfer component, and when the transfer remittance is made, determining whether the balance of the account is sufficient. The automatic re-debiting system of claim 8, wherein the transfer server further comprises a re-debiting component connected to the insufficient balance determining component and the setting component, wherein the setting component sets the account as the re-deductible For the account, if the balance of the deposit is insufficient, the account will be re-debited at the scheduled time. The automatic re-debiting system of claim 9, wherein the transfer server further comprises a timing component coupled to the re-debiting component. At the predetermined time, the re-debiting component is notified, and the account is re-debited.