TWM577549U - Virtual wallet account payment system - Google Patents

Abstract

This creation is a virtual wallet account payment system that opens a virtual account with an overseas financial institution server by using an account of a domestic financial institution server, and opens a pair of servers of the overseas financial institution through a domestic financial institution server. The public account transfers funds to the virtual account, which then transfers the funds to the virtual wallet for payment and transactions. Through the above-mentioned payment system of the creation, the user does not need to go to the overseas financial institution server to open an account, and the virtual wallet can be used for payment and transaction.

Description

Virtual wallet account payment system

This creation is a payment system, especially a virtual wallet account payment system.

According to the current mobile e-commerce platform, the annual growth rate exceeds 700%. Especially with the popularization of 3G networks and the significant increase in wireless bandwidth, a variety of mobile payment methods are emerging and progressing.

Taking the current WeChat payment or Alipay in mainland China as an example, it is a technology for information exchange using barcode scanning. One user uses a smart device camera to scan a QR Code on another user's mobile phone and recognizes it. You can then initiate a payment or collect payment quickly.

The above method is to use a smart device to log into the mobile payment platform through a wireless application through a specific application (APP), and to pay in various ways such as hardware or some secure encrypted delivery methods. The user first binds the application to his bank account, and then obtains the corresponding transaction information on the transaction terminal. The transaction information encryption ensures the security of the account information and the transaction, and the information sent by the transaction terminal is transmitted through the mobile data center and the third-party transaction platform. After the buyer and the seller mutually confirm the transaction information, the third party trading platform associates with the bound bank account for data exchange.

Although the above payment method is very convenient, the bank account to which it is required to be bound must be a bank account in the mainland. For users of the Republic of China, they must go to the banks of the mainland to open an account in person, which is inconvenient. Furthermore, according to the "People's Bank of China Notice on Implementing the Classification Management System for Personal Bank Accounts", personal bank accounts are classified and managed, and are classified into Class I, Class II, and Class III accounts. Different types of accounts have different functions and Permissions. The No. 302 document makes it clear that the bank opens a Class II household for non-face-to-face through the electronic channel. It should verify that the Type II account and the binding account are open to the same person and the binding account is a Class I account. Or the credit card account... The verification information should include at least five factors: the account applicant's name, the resident ID card number, the mobile phone number, the binding account number (card number), and whether the binding account is a class I account or a credit card account.

Since the users of the Republic of China do not have a mainland resident ID card and no Class I account or credit card account, it is inconvenient to submit a special account for the Class II account to the relevant regulatory authorities.

Therefore, how to solve the above problems and shortcomings in the past, that is, the creators of the creation and the relevant manufacturers engaged in this industry are eager to study the direction of improvement.

Therefore, in view of the above-mentioned shortcomings, the creators of this creation have collected relevant information, and have designed and developed such new patents through continuous evaluation and modification through multi-party evaluation and consideration, and through years of experience in the industry.

The purpose of this creation is to provide a virtual wallet account payment system.

In order to achieve the above or other purposes, the present invention creates a virtual wallet account payment system, comprising: an overseas financial institution server; a domestic financial institution server connected to the overseas financial institution server, the domestic financial institution server is outside the country The financial institution server opens a pair of public accounts and is used for a user to open a digital account in the domestic financial institution server; a consumer terminal is connected to the overseas financial institution server; a payment terminal is connected to The overseas financial institution server, the payment terminal is configured to send a payment information to the consumer terminal; wherein the overseas financial institution server opens an electronic account based on the digital account, and the digital account is bound to the electronic account When the user binds the electronic account to the payment terminal, a recharge request may be made, the recharge request is to recharge an amount into the electronic account, and the domestic financial institution server determines whether the recharge request is established, if judging If the result is yes, the digital account is deducted from the amount and the amount is recharged from the pair of public accounts. The electronic account, the user uses the payment terminal sends the payment information to the consumer end.

In a preferred embodiment, the overseas financial institution server opens the information according to the data of the digital account and the user name, the Taiwanese certificate number, the Taiwanese photo image, the mainland mobile phone number and the like provided by the user. Electronic account.

In a preferred embodiment, the payment terminal includes an application program, and the application program can be linked to the digital account and connected to a window set up by the overseas financial institution server, and provide an inquiry for the electronic account and the The balance function of the digital account.

In a preferred embodiment, the payment terminal and the consumer terminal respectively comprise a payment module, and the payment module is used to transmit and receive the payment information.

In a preferred embodiment, the electronic account only supports the transaction, transfer, and e-wallet functions of the payment module.

In a preferred embodiment, the payment information includes an account message, a payment amount, and a payment password.

In order to achieve the above objectives and effects, the technical means and structure adopted by the present invention are described in detail in the preferred embodiment of the present creation, and the features and functions are as follows.

Please refer to FIG. 1 , which is a block diagram of a preferred embodiment of the virtual wallet account payment system. As can be clearly seen from the figure, a virtual wallet account payment system includes: an overseas financial institution server 2, a domestic financial institution server 1, a consumer terminal 4, and a payment terminal 3.

The domestic financial institution server 1 is connected to the overseas financial institution server 2, and the domestic financial institution server 1 opens a pair of public accounts at the overseas financial institution server 2, and is used for providing a user to the domestic financial institution. The organization server 1 opens a digital account. Among them, the so-called digital accounts include, for example, a pure digital account such as Richart or KOKO (no fold account), and a general current savings account (with a discount account).

The consumer terminal 4 is connected to the overseas financial institution server 2.

The payment terminal 3 is connected to the overseas financial institution server 2, and the payment terminal 3 is configured to send a payment message to the consumer terminal 4. For example, the payment information includes an account message, a payment amount, and a payment password. Preferably, the payment terminal 3 includes an application program, and the application program can be linked to the digital account and connected to the window set up by the overseas financial institution server 2, and provide a query for the electronic account and the digital account. Balance function.

Moreover, the payment terminal 3 and the consumer terminal 4 respectively comprise a payment module, and the payment module is used to transmit and receive the payment information. In addition, the electronic account only supports the transaction, transfer and electronic wallet functions of the payment module.

The overseas financial institution server 2 opens an electronic account based on the digital account, and the digital account is in a binding relationship with the electronic account. When the user binds the electronic account to the payment terminal 3, a Recharge request, the recharge request is to recharge an amount into the electronic account, the domestic financial institution server 1 determines whether the recharge request is established, and if the judgment result is yes, the digital account is deducted from the amount, and the amount is The pair of public accounts are refilled into the electronic account, and the user uses the payment terminal 3 to issue the payment information to the consumer terminal 4.

Specifically, the overseas financial institution server 2 opens the electronic account based on the information of the digital account and the user name, the Taiwanese certificate number, the Taiwanese photo image, the mainland mobile phone number and the like provided by the user.

Please refer to FIG. 2 and FIG. 3 simultaneously, which is a flowchart and an implementation diagram of a preferred embodiment of the virtual wallet account payment system. This creation provides a virtual wallet account payment system, including the following steps:

Step 100: Providing a domestic financial institution server, an overseas financial institution server, a payment terminal 3, and a consumer terminal 4. The domestic financial institution server 1 refers to a server located in a local physical bank in Taiwan, and the overseas financial institution server 2 refers to a server that is not located in a local physical bank in Taiwan. The payment terminal 3 and the consumer terminal 4 are portable smart devices, such as a mobile phone, a tablet computer, a notebook computer, etc., but are not limited thereto. The payment terminal 3 is configured to send a payment message to the consumer terminal 4, and the payment information may be transmitted by using a sound wave, a wireless network signal (WiFi), or a radio frequency signal, and the payment information includes at least an account message, a payment amount, and Pay the password. The consumer terminal 4 can be used to reward the payment information.

Step 110: Open a pair of public accounts 21 to the overseas financial institution server 2. The domestic financial institution and the overseas financial institution are in a cooperative relationship, and the domestic financial institution opens a public account 21 to the overseas financial institution server 2, so that the domestic financial institution server 1 deposits a pair of public accounts in the public account 21 The funds enable the pair of public accounts 21 to become the transition account of the payment terminal 3 and the consumer terminal 4, which facilitates the smooth and efficient flow of the transaction funds.

Step 120: A user (not shown) opens a digital account 11 to the domestic financial institution server 1.

Step 130: The foreign financial institution server 2 opens an electronic account 22 based on the digital account 11. After the user opens the digital account 11 in the domestic financial institution server 1, the information of the digital account 11 and personal data such as the user's name, the Taiwanese certificate number, the Taiwanese photo image, and the personal information can be transmitted through the payment terminal 3. The mainland mobile phone number is transmitted to the window set up by the overseas financial institution server 2, and the overseas financial institution server 2 opens an electronic account 22 according to the above information, so that the digital account 11 and the electronic account 22 are bound. Preferably, the payment terminal 3 can include an application 31. The application 31 can be linked to the digital account 11 and can be connected to a window set up by the overseas financial institution server 2 through which the user can access the application. 31 Transfer the data of the digital account 11 and the personal data to the window set up by the overseas financial institution server 2.

Step 140: The user binds the electronic account 22 to the payment terminal 3.

Step 150: The user proposes a recharge request. The user can use the application 31 to make a refill request that credits an amount to the electronic account 22.

Step 160: The domestic financial institution server 1 determines whether the recharge request is established. When the user makes a refill request, the domestic financial institution server 1 judges whether the remaining amount in the user's digital account 11 is sufficient to pay the amount.

Step 170: If the result of the determination is yes, the domestic financial institution server 1 deducts the amount from the digital account 11 and recharges the amount from the pair of public accounts 21 into the electronic account 22.

Step 180: If the judgment result is no, the domestic financial institution server 1 feeds back a failure message to the user.

Step 190: The user sends the payment information to the consumer terminal 4 by using the payment terminal 3. The payment terminal 3 and the consumer terminal 4 can respectively include a payment module (32, 42), and use the payment module (32, 42) to transmit and receive the payment information. Preferably, the payment module can be used for applications such as WeChat payment or Alipay. It is worth mentioning that in order to make the transaction process more convenient and efficient, the user may choose to deposit the amount in the electronic account 22 into the electronic wallet of the payment module 32, and then through the electronic wallet and the consumer terminal. 4 conduct a transaction. In order to make the flow of funds more simple, the electronic account 22 only supports the functions of the payment module 32, such as transactions, transfer and electronic wallet, to avoid problems such as cash card cashing.

Preferably, the step 190 further includes: the consumer terminal feeding back the payment information to the overseas financial institution server, and the overseas financial institution server 2 returns a transaction detail to the user. When the transaction is completed, the consumer terminal 4 will return a transaction completion message to the overseas financial institution server 2, and the overseas financial institution server 2 returns a transaction detail to the payment terminal 3 or the application 31. The application 31 also supports the account balance inquiry function, and can check the balance of the electronic account 22 and the digital account 11 at any time.

Please refer to FIG. 4, which is a flow chart of another application of the preferred embodiment of the virtual wallet account payment system. In the application of the creation, the following steps may be further included:

Step 200: The user proposes a cash withdrawal request. The user can also use the application 31 to make a withdrawal request that is transferred from the electronic account 22 to a second amount to the digital account 11.

Step 210: The overseas financial institution server 2 determines whether the withdrawal request is established. When the user makes a withdrawal request, the foreign financial institution server 2 determines whether the remaining amount in the user's electronic account 22 is sufficient to pay the second amount.

Step 220: If the result of the determination is yes, the electronic account 22 is transferred out of the second amount to the pair of public accounts 21, and the second amount is transferred to the digital account 11.

Step 230: If the judgment result is no, the overseas financial institution server 2 feeds back a failure message to the user.

Therefore, please refer to all the drawings. When using this creation, compared with the conventional technology, the following advantages are realized: In summary, the present invention provides a virtual wallet account payment system, so that the user does not need to go in person. When an offshore financial institution opens an account, it can use the virtual wallet to make payments and transactions. In addition, through the above-mentioned methods, all funds flow and transactions will leave a trail to help customers understand (Know your customer, KYC) and anti-money laundering (AML) operations, and avoid underground financial transactions. produce.

However, the above description is only for the preferred embodiment of the present invention, and thus the scope of the patent is not limited thereby, so the simple modification and equivalent structural changes of the present specification and the drawings are the same. It is included in the scope of this patent and is given to Chen Ming.

1‧‧‧ Domestic financial institution server  11‧‧‧ digital accounts  2‧‧‧Overseas financial institution server  21‧‧‧public account  22‧‧‧Electronic Account  3‧‧‧Payment terminal  31‧‧‧Application  32, 42‧‧‧ payment module  4‧‧‧ consumer terminals  100 to 190‧‧ steps  200-230‧‧‧ steps  

1 is a block diagram of a preferred embodiment of a virtual wallet account payment system;  2 is a flow chart of a preferred embodiment of a virtual wallet account payment system;  3 is a schematic diagram of an implementation of a preferred embodiment of a virtual wallet account payment system;  4 is a flow chart of another application of the preferred embodiment of the virtual wallet account payment system.  

Claims (6)

A virtual wallet account payment system comprising:  An overseas financial institution server;  A domestic financial institution server is connected to the overseas financial institution server, and the domestic financial institution server opens a pair of public accounts in the overseas financial institution server, and is used for providing a user to the domestic financial institution server Open a digital account;  a consumer terminal connected to the server of the overseas financial institution;  a payment terminal is connected to the overseas financial institution server, and the payment terminal is configured to send a payment message to the consumer terminal;  The overseas financial institution server opens an electronic account based on the digital account, and the digital account is bound to the electronic account. When the user binds the electronic account to the payment terminal, a recharge request may be submitted. The recharge request is to recharge an amount into the electronic account, and the domestic financial institution server determines whether the recharge request is established. If the judgment result is yes, the digital account is deducted from the amount, and the amount is determined by the The account is refilled into the electronic account, and the user uses the payment terminal to send the payment information to the consumer terminal.   The virtual wallet account payment system according to claim 1, wherein the overseas financial institution server according to the digital account information, the user name provided by the user, the Taiwanese certificate number, the photo of the Taiwanese certificate, Open the e-account with information such as the mainland mobile phone number. The virtual wallet account payment system of claim 1, wherein the payment terminal comprises an application program, and the application program can be linked with the digital account and connected to a window set up by the overseas financial institution server. It also provides access to the electronic account and the balance function of the digital account. The virtual wallet account payment system of claim 1, wherein the payment terminal and the consumer terminal respectively comprise a payment module, and the payment module is used to transmit and receive the payment information. The virtual wallet account payment system of claim 4, wherein the electronic account only supports the transaction, transfer, and electronic wallet functions of the payment module. The virtual wallet account payment system of claim 1, wherein the payment information comprises an account message, a payment amount, and a payment password.