TWM581731U - Transfer system - Google Patents

Abstract

A transfer system includes a financial server that stores a plurality of financial user data, a social media server that stores a plurality of social user data, and a user terminal. The user terminal transmits a transfer object import command to the social media server when the financial user account and the community user account are respectively logged into the financial server and the social media server. The social media server selects the target friend data that meets the binding condition from the list of community friends of the specific community user data according to the transfer object import instruction and generates a screening result including the target friend data. The financial server obtains and provides a list of transfer objects to the user according to the screening result and one or more target financial user data corresponding to the target friend data in the financial user data.

Description

Transfer system

The present invention relates to a transfer system, and more particularly to a transfer system involving network communication technology.

In modern society, most banking institutions provide Internet transfer services. Therefore, when users want to transfer money, they do not need to go to the setting of the ATM, and they can use the computer or mobile phone to complete the transfer quickly and easily.

However, although the existing network transfer interface can provide users with a common transfer list, users still need to add the commonly used collection account one by one in the common transfer list, which is quite laborious and time consuming. Therefore, the prior art still There are obvious areas for improvement.

Accordingly, it is an object of the present invention to overcome at least one of the disadvantages of the prior art in providing a transfer system that improves the inconvenience of the prior art.

Therefore, the new transfer system comprises a financial server, a social media server and a user. The financial server stores a plurality of financial user data, and each financial user data includes a financial account number. The social media server stores a plurality of community user data. Each community user profile includes a community account identification code and a community friend list. The community friend list includes at least one friend profile, and each friend profile corresponds to One of the community user profiles. The user terminal is used for electrically connecting the financial server and the social media server. In the case where the user enters the financial server with a financial user account and also logs in to the social media server with a community user account, the user terminal transmits a related to the financial server according to the user's operation. The specific application generates and transmits a transfer object import instruction to the social media server, the financial user account corresponding to one of the financial user data of the financial user data, the community user account corresponding to the social A specific community user profile in the group user profile, and the transfer object import command indicates the specific community user profile. When receiving the transfer object import instruction, the social media server selects one or more of the friend information of the community friend list of the specific community user profile according to the transfer object import instruction. The pen meets the target friend data of a binding condition, and then generates a screening result including the (or) target friend data, and the binding condition represents the friend data of each friend data of the specific community user data. There is a binding relationship between the community user profile and the specific application. The financial server obtains the screening result and generates a list of transfer objects according to the screening result and one or more target financial user data corresponding to the target friend data in the financial user data, and the transfer object is The list is provided to the user terminal, and the list of transfer objects includes one or more transfer object materials corresponding to the (or) target friend profile and the (or other) target financial user profile.

In some implementations of the new transfer system, some of the financial user profiles each have a community binding identifier, and each friend profile includes the community user profile corresponding to the friend profile. The community account identification code, when the financial server obtains the screening result, first selecting the target corresponding to the pen target friend data from the financial user profiles according to the community account identification code of each target friend profile. The financial user data, and then generating the transfer object list according to the (other) target friend data and the (or) target financial user data corresponding to the (or) target friend data, the community account identifier of each target friend profile Corresponding to the community binding identifier of the target financial user data corresponding to the target friend data, and each of the transfer object data includes the community account identifier corresponding to the target friend profile and the corresponding target financial The financial account number of the user profile.

In some implementations of the new transfer system, each community user profile further includes a user nickname and a user image, and each friend profile includes the social user profile corresponding to the friend profile. a group account identification code, the user nickname and the user image, each of the transfer object data includes the community account identification code corresponding to the target friend profile, the user nickname and the user image, and the corresponding financial user The financial account number of the data, the user terminal outputs the transfer object list after receiving the transfer object list, and the user terminal outputs the transfer object list in a manner of displaying the user nickname of each transfer object data and the user map image.

In some implementations of the new transfer system, the social media server further establishes the specific community user data and the specific application according to the transfer object import instruction when receiving the transfer object import instruction. Binding relationship between.

In some implementations of the new transfer system, the financial user profile corresponding to the financial user account is used as a specific financial user profile, and the screening result further includes the community account identifier of the specific community user profile. And the financial server stores the social account identifier included in the screening result after receiving the screening result, and establishes the community account identification code included in the screening result and the specific financial user data. The binding relationship between the financial accounts.

In some implementations of the new transfer system, each financial user profile contains one or more financial account numbers. After the screening result is generated by the social media server, the screening result is also provided to the user. The financial server generates and transmits a list of bindable accounts to the user end when receiving a bindable account request from the user end, and the list of bindable accounts includes the information included in the specific financial user profile (etc. ) Financial account number. The user terminal displays the (or the same) financial account number of the bindable account list when receiving the list of bindable accounts, and receives a list according to the user's operation and indicates the list of bindable accounts. When the account selection instruction of one of the financial account accounts of the (or other) financial account is specified, the designated financial account is transmitted to the financial server. The financial server obtains the screening result from the user, and establishes a binding relationship between the community account identifier included in the screening result and the designated financial account.

The effect of the novel is that the social media server can select the target friend data from the friend profiles according to the binding condition and generate the screening result, and the financial server can generate the screening result according to the screening result. The transfer object list is provided to the user terminal, so that the user selects the object to be transferred from the transfer object list through the user terminal, so that the user can use the transfer system And all the friends in the community user account who use the specific application are directly imported into the user as the common remittance object, without having to spend time adding new commonly used payment accounts, thus completely overcoming the prior art. Inconvenience.

Before the present invention is described in detail, it should be noted that the "electrical connection" as used in the specification refers to a wired electrical connection between a plurality of electronic devices/devices/components through a conductor/semiconductor connection, and through wireless communication. A radio connection for data transmission. Moreover, the term "electrical connection" as used in this specification also refers to a "direct electrical connection" formed directly between two electronic devices/devices/components, and the passage of other electronic devices between two electronic devices/devices/components. "Indirect electrical connection" formed by equipment/devices/components.

Referring to FIG. 1 , an embodiment of the present invention includes a user terminal 11 , a financial server 12 , and a social media server 13 . The user terminal 11 is configured to electrically connect the financial server via a communication network 50 . In the embodiment, the communication network 50 can be, for example, an internet network, but is not limited thereto. In addition, in other embodiments, the number of the use ends 11 may also be multiple, and is not limited to the embodiment.

In this embodiment, the user terminal 11 is, for example, attributed to a specific user and implemented as a smart phone. The financial server 12 is, for example, attributed to a banking institution and implemented as a financial server. The group media server 13 is, for example, attributed to a social media service provider (eg Facebook, but not limited to this) and is implemented, for example, as a social media server. In addition, in other embodiments, the user terminal 11 can also be implemented as a tablet computer, a notebook computer or a desktop computer, and the financial server terminal 12 can also be implemented as a plurality of servos. The financial server system of the device, and the social media server 13 can also be implemented as a social media servo system including a plurality of other servers, and is not limited to the embodiment.

Further, the user terminal 11 is pre-installed with a specific application program in the embodiment, and the specific application program is, for example, issued by the banking institution and is suitable for providing relevant network services of the banking institution. More specifically, by running the specific application, the user terminal 11 can log in to the financial server 12 and provide an online banking operation interface with a financial user account according to the operation of the specific user, and the financial user The account is, for example, sponsored by the particular user to the banking institution and is used as a specific financial user account in this embodiment. Thereby, in the case that the user terminal 11 logs in to the financial server 12 with the specific financial user account, the specific user can perform online banking services such as online transfer and personal account inquiry in the online banking operation interface. .

The financial server 12 stores a plurality of financial user data D12, and one of the financial user data D12 corresponds to the specific user and the specific financial user account owned by the financial user. For convenience of explanation, the financial user data D12 corresponding to the specific financial user account is here taken as a specific financial user data D12' shown in FIG. 1, and when the user terminal 11 transmits the specific application, When the specific financial user account logs in to the financial server 12, the user terminal 11 obtains and stores the specific financial user profile D12' from the financial server 12.

It is to be noted that, in addition to the specific financial user data D12', the other financial user data D12 in the financial server 12 respectively corresponds to other users and other users respectively. Financial user accounts, but not limited to this.

In this embodiment, each financial user profile D12 includes a financial user identification code D121 and one or more financial account numbers D122. The financial user ID D121 is unique and can be implemented, for example, as the ID number of the corresponding user, but is not limited thereto. Moreover, each financial account D122 of each financial user profile D12 corresponds to a financial account. For example, if one of the financial user data D12 includes only a single financial account D122, it represents the financial user data D12. The user has only one financial account in the banking institution. For another example, if another financial user data D12 contains three financial account numbers D122, it represents the use of the other financial user data D12. There are three financial accounts in the banking institution. For the convenience of the following description, it is assumed that the specific financial user data D12' includes three financial account numbers D122 as shown in FIG. 1, but is not limited thereto.

The social media server 13 stores a plurality of community user data D13, and one of the community user data D13 of the community user data D13 corresponds to the specific user and a specific community owned by the specific user. Account, the specific community user account is, for example, registered by the specific user through an Internet account registration system provided by the social media service provider, but is not limited thereto. For convenience of explanation, the community user profile D13 corresponding to the specific community user account is here taken as a specific community user profile D13' shown in FIG. 1, and when the user terminal 11 is in the specific community When the group user account logs in to the social media server 13, the user terminal 11 obtains and stores the specific community user profile D13' from the social media server 13.

It is to be noted that, in addition to the specific community user data D13', the other community user data D13 in the social media server 13 corresponds to other social media users and the social media, for example. Other multiple community user accounts owned by the user, but not limited to this.

In this embodiment, each community user data D13 includes a community account identification code D131, a binding state parameter D132, a user nickname D133, a user image D134, and a community friend list D135. For example, the social account identification code D131 is composed of a plurality of characters and is unique. The value of the binding state parameter D132 can be set by the social media server 13 and indicates whether the specific community user profile D13' has a binding relationship with the specific application. The user nickname D 133 is, for example, a name or nickname edited by the specific user and uploaded to the social media server 13 , and the user image D 134 is uploaded to the social media server 13 by the specific user, for example. And a picture that is set as a large photo of the specific community user account, but not limited to this. It should be noted that, for the convenience of the following description, it is assumed here that the binding state parameter D132 of the specific community user profile D13' is set by the social media server 13 to be not bound to the specific application.

Referring to FIG. 2, the community friend list D135 includes a plurality of (or a single) friend data D136, and each of the friend data D136 corresponds to the community user data D13 except the specific community user data D13. One of the community user data D13 other than '. In more detail, in the embodiment, each friend profile D136 includes the community account identification code D131 of the community user profile D13 corresponding to the friend profile data D136, the user nickname D133, and the user image D134. , but not limited to this.

Supplementally, for each community user data D13 other than the specific community user data D13', the community account identification code D131, the binding state parameter D132, and the user nickname included in each of the community user data D13 D133, the user image D134 and the community friend list D135 are the same in the nature and meaning of the specific community user data D13', and therefore will not be described herein.

It should be noted that, in the financial user data D12 of the embodiment, part of the financial user data D12 except the specific financial user data D12' has a community binding identification code D123 (shown in FIG. 3). ). Referring to FIG. 3, for example, an exemplary financial user profile D12A having the community binding identifier D123, the community binding identifier D123 represents the exemplary financial user profile D12A and the social media. There is a binding relationship between one of the exemplary community user data D13A stored by the server 13 and the community binding identification code D123 of the exemplary financial user profile D12A is associated with the exemplary community user profile D13A. The included community account identification code D131 matches each other. Further, if the financial user account corresponding to the exemplary financial user profile D12A is used as an exemplary financial user account, and the community user corresponding to the exemplary community user profile D13A The account as an exemplary community user account, the community binding identification code D123 of the exemplary financial user profile D12A and the community account identification code D131 of the exemplary community user profile D13A represent the exemplary There is a binding relationship between the financial user account and the exemplary community user account.

Referring to FIG. 4 and referring to FIG. 1 and FIG. 2, the user terminal 11 has entered the financial server 12 and the social media server 13 respectively by logging in with the specific financial user account and the specific community user account. In the following, the following describes in detail how the transfer system 1 of the present embodiment implements a transfer object list generation method.

First, in step S1, the user terminal 11 generates and transmits a transfer object import command to the social media server 13 through the specific application according to the operation of the specific user, thereby transmitting the social media server through the social media server. The SDK of the terminal 13 (English name: Software Development Kit) requests the community media server 13 for identity authentication and a list of such friend profiles D136 associated with the particular community user profile D13'. In this embodiment, the transfer object import instruction includes, for example, the community account identification code D131 of the specific community user profile D13', thereby causing the transfer object import instruction to indicate the specific community user profile. D13'. In more detail, the online banking operation interface provided by the specific application has a social media binding authorization option (not shown), and when the user terminal 11 detects the social media binding When the authorization option is clicked, the user terminal 11 generates and transmits the transfer object import instruction to the social media server 13.

Next, in step S2, when the social media server 13 receives the transfer object import instruction from the user terminal 11, the social media server 13 first according to the transfer object inclusion instruction The community account identifier D131 (that is, the community account identifier D131 of the specific community user profile D13') selects the specific community user profile D13' from the community user profiles D13, and then from the specific community One of the friend data D136 of the community friend list D135 of the group user data D13' selects one or more target friend data that meets a binding condition, and generates a screening result. Moreover, the social media server 13 further establishes a binding relationship between the specific community user profile D13' and the specific application according to the transfer object import command. For convenience of explanation, it is assumed here that the total number of the target buddy materials is N pens, and N is an integer greater than 1, however, in other embodiments, N may also be 1, and is not limited to the embodiment.

In this embodiment, for each friend profile D136 in the specific community user profile D13', the binding condition represents that the community user profile D13 corresponding to the friend profile D136 exists between the community application D13 and the specific application. Binding relationship. For example, if a friend profile A corresponds to a community user profile A in the community user profile D13, and if the community profile A binding state parameter D132 indicates the community profile data If A has bound the specific application, the friend profile A will be determined by the social media server 13 to comply with the binding condition.

In more detail, in the present embodiment, the screening result includes the N-point target friend profile and the community account identification code D131 of the specific community user profile D13'. Moreover, the social media server 13 establishes a binding between the specific community user profile D13' and the specific application by resetting the value of the binding state parameter D132 of the specific community user profile D13'. Relationship, but not limited to this.

Next, in step S3, the social media server 13 provides the screening result to the user terminal 11.

Next, in step S4, when the user terminal 11 receives the screening result from the social media server 13, the user terminal 11 temporarily stores the screening result.

Next, in step S5, the user terminal 11 generates and transmits a bindable account request to the financial server 12, and the bindable account request, for example, the financial user identification code D121 including the specific financial user profile D12' And the community account identifier D131 of the specific community user profile D13', but not limited thereto.

Next, in step S6, when the financial server 12 receives the bindable account request from the user terminal 11, the financial server 12 requests the financial user identification code D121 included according to the bindable account request. The specific financial user profile D12' is selected, and a list of bindable accounts is generated according to the specific financial user profile D12'. Then, the financial server 12 transmits the list of bindable accounts to the use terminal 11. In this embodiment, the list of bindable accounts includes the three financial account numbers D122 included in the specific financial user profile D12', but is not limited thereto.

Next, in step S7, when the user terminal 11 receives the list of bindable accounts from the financial server 12, the user terminal 11 displays the three financial account numbers D122 in the list of bindable accounts for This particular user chooses.

Next, in step S8, when the user terminal 11 receives an account selection instruction generated according to the operation of the specific user and indicates one of the three financial account numbers D122, the account selection instruction indicates The financial account D122 that is issued is transmitted to the financial server 12. For convenience of explanation, the financial account D122 indicated by the account selection instruction is used as a designated financial account D122.

Next, in step S9, when the financial server 12 receives the account selection instruction from the user terminal 11, the financial server 12 uses the community account identification code D131 received in step S6 as the specific The financial user profile D12' has a community binding identification code D123 (shown in FIG. 3) stored, and establishes a community binding identification of the designated financial account D122 and the specific financial user profile D12' according to the account selection instruction. The binding relationship between the codes D123. In other words, the financial server 12 not only establishes a binding relationship between the specific financial user account and the specific community user account, but also uses the financial account corresponding to the designated financial account D122 as the specific financial use. A default account of the account is transferred to the financial account. Next, the financial server 12 transmits a binding completion notification to the user terminal 11.

Next, in step S10, after receiving the binding completion notification from the financial server 12, the user terminal 11 temporarily stores the screening result and the specific financial user data D12'. The financial user ID D121 is also transmitted to the financial server 12. In this way, when the financial server 12 receives the screening result and the financial user identification code D121 of the specific financial user data D12', it can be determined according to the financial user identification code D121 that the screening result corresponds to the Specific financial user information D12'.

Next, in step S11, when the financial server 12 receives the screening result from the user terminal 11 and the financial user identification code D121 of the specific financial user profile D12', the financial server 12 according to the screening result. The N social account identifiers D131 of the N-target friend profiles select N of the target financial user data corresponding to the N-target friend profiles from the financial user data D12, and then according to the N-target target friends. The data and the N target financial user data corresponding to the N target friend profiles respectively generate a list of transfer objects, and the transfer object list is transmitted to the use terminal 11.

In more detail, for each target friend profile of the screening result, the financial server 12 is the community binding identification code D123 (shown in FIG. 3) included in the financial user data D12 and the target friend. The financial user data D12 corresponding to the community account identification code D131 of the data is used as the target financial user data corresponding to the friend data of the pen target. It is worth noting that, because the N-target friend data in the screening result corresponds to the N-pen community user data D13 of the financial server 12 that has been bound to the specific application, the financial server is There must be N target financial user data corresponding to the N target friend data in the terminal 12.

In this embodiment, the transfer object list includes N pieces of transfer object data corresponding to the N target friend information and the N target financial user data, and each transfer object data includes the corresponding partner information of the target friend information. The group account identification code D131, the user nickname D133 and the user image D134, and the financial account number D122 corresponding to the target financial user profile.

Next, in step S12, the user terminal 11 stores and outputs the transfer object list for the specific user to view. It should be noted that, in this embodiment, the manner in which the user terminal 11 outputs the list of transfer objects each time is, for example, the user nickname D133 and the user image D134 of each transfer object data, and the transfer object is not displayed. The community account identification code D131 of the data and the financial account number D122, so that whether the specific user only wants to browse the list of transfer objects or network transfer through the specific application, it is more convenient and intuitive. According to the user nickname D133 displayed by the user terminal 11 and the user images D134, it is recognized that each of the transfer object materials represents which friend in the specific community user account, which is beneficial to be faster. Select the object to be transferred from the list of transfer objects.

The above is the transfer object list generation method implemented by the transfer system 1 of the present embodiment.

It is to be noted that, in the transfer object list generation method of the present embodiment, since the social media server 13 establishes the binding relationship between the specific community user profile D13' and the specific application in step S2. And the financial server 12 establishes a binding relationship between the designated financial account D122 and the community binding identification code D123 of the specific financial user profile D12' in step S9, whereby the specific community user The community account identification code D131 of the data D13', the user nickname D133, the user image D134, and the designated financial account number D122 can be subsequently transferred to other users via the transfer object list generation method, and are As the transfer object data in other uses.

In summary, with the transfer object list generation method of the embodiment, the social media server 13 can select the target friend data from the friend profiles D136 according to the binding condition and generate the screening result. The financial server 12 can generate the transfer object list according to the screening result, and provide the transfer object list to the user terminal 11 for the user to select the desired transfer from the transfer object list through the user terminal 11. In this way, the user can directly import all the friends in the community user account using the specific application to the user terminal 11 by using the money transfer system 1 of the embodiment as a common remittance. Objects, without the need to add time-consuming new collection accounts, can indeed achieve the purpose of this new type.

However, the above is only the embodiment of the present invention, and when it is not possible to limit the scope of the present invention, all the simple equivalent changes and modifications according to the scope of the patent application and the contents of the patent specification are still This new patent covers the scope.

1‧‧‧Transfer system  11‧‧‧Use side  12‧‧‧Financial Server  13‧‧‧Community Media Server  50‧‧‧Communication network  D12‧‧‧ Financial User Information  D12’‧‧‧Special Financial User Information  D12A‧‧‧Model Financial User Information  D121‧‧‧ Financial User ID  D122‧‧‧Financial Account  D123‧‧‧Community binding identifier  D13‧‧‧Community User Profile  D13’‧‧‧Specific Community User Profile  D13A‧‧‧Model Community User Profile  D131‧‧‧Community Account ID  D132‧‧‧ Binding status parameters  D133‧‧‧User nickname  D134‧‧‧ User Image  D135‧‧‧Community Friends List  D136‧‧‧Friend Profile  S1~S12‧‧‧Steps  

Other features and effects of the present invention will be apparent from the following description of the drawings, in which:  Figure 1 is a block diagram showing an embodiment of the present transfer system;  2 is a schematic diagram exemplarily showing a list of community friends in the embodiment;  FIG. 3 is a schematic diagram exemplarily showing an exemplary financial user profile and an exemplary community user profile in the embodiment; and  4 (consisting of FIGS. 4A and 4B) is a flowchart exemplarily explaining how the embodiment implements a transfer object list generation method.  

Claims (6)

A transfer system that includes:  a financial server that stores a plurality of financial user data, each financial user profile including a financial account number;  A social media server that stores a plurality of community user data. Each community user profile includes a community account identification code and a community friend list. The community friend list includes at least one friend profile, each friend profile. Corresponding to one of the community user profiles; and  a user terminal for electrically connecting the financial server and the social media server; wherein  In the case where the user enters the financial server with a financial user account and also logs in to the social media server with a community user account, the user terminal transmits a related to the financial server according to the user's operation. The specific application generates and transmits a transfer object import instruction to the social media server, the financial user account corresponding to one of the financial user data of the financial user data, the community user account corresponding to the social a specific community user profile in the group user profile, and the transfer object import instruction indicates the specific community user profile;  When receiving the transfer object import instruction, the social media server selects one or more of the friend information of the community friend list of the specific community user profile according to the transfer object import instruction. The pen meets the target friend data of a binding condition, and then generates a screening result including the (or) target friend data, and the binding condition represents the friend data of each friend data of the specific community user data. There is a binding relationship between the community user profile and the specific application;  The financial server obtains the screening result and generates a list of transfer objects according to the screening result and one or more target financial user data corresponding to the target friend data in the financial user data, and the transfer object is The list is provided to the user terminal, and the list of transfer objects includes one or more transfer object materials corresponding to the (or) target friend profile and the (or other) target financial user profile.   The transfer system of claim 1, wherein some of the financial user profiles each have a community binding identifier, and each friend profile includes the community user profile corresponding to the friend profile. The community account identification code, when the financial server obtains the screening result, first selecting the target corresponding to the pen target friend data from the financial user profiles according to the community account identification code of each target friend profile. The financial user data, and then generating the transfer object list according to the (other) target friend data and the (or) target financial user data corresponding to the (or) target friend data, the community account identifier of each target friend profile Corresponding to the community binding identifier of the target financial user data corresponding to the target friend data, and each of the transfer object data includes the community account identifier corresponding to the target friend profile and the corresponding target financial The financial account number of the user profile. The transfer system of claim 1, wherein each community user profile further includes a user nickname and a user image, and each friend profile includes the social user profile corresponding to the friend profile. a group account identification code, the user nickname and the user image, each of the transfer object data includes the community account identification code corresponding to the target friend profile, the user nickname and the user image, and the corresponding financial user The financial account number of the data, the user terminal outputs the transfer object list after receiving the transfer object list, and the user terminal outputs the transfer object list in a manner of displaying the user nickname of each transfer object data and the user map image. The transfer system of claim 1, wherein the social media server further establishes the specific community user data and the specific application according to the transfer object import instruction when receiving the transfer object import instruction Binding relationship between. The transfer system of claim 1, wherein the financial user profile corresponding to the financial user account is used as a specific financial user profile, and the screening result further includes the community account identifier of the specific community user profile. And the financial server stores the social account identifier included in the screening result after receiving the screening result, and establishes the community account identification code included in the screening result and the specific financial user data. The binding relationship between the financial accounts. The transfer system of claim 5, wherein:  Each financial user profile contains one or more financial account numbers;  After the screening result is generated by the social media server, the screening result is also provided to the user end;  The financial server generates and transmits a list of bindable accounts to the user end when receiving a bindable account request from the user end, and the list of bindable accounts includes the information included in the specific financial user profile (etc. ) financial account number;  The user terminal displays the (or the same) financial account number of the bindable account list when receiving the list of bindable accounts, and receives a list according to the user's operation and indicates the list of bindable accounts. And assigning the designated financial account to the financial server when the account selection instruction of the financial account is specified in one of the financial accounts;  The financial server obtains the screening result from the user, and establishes a binding relationship between the community account identifier included in the screening result and the designated financial account.