TWM602249U - Pre-filled remittance system - Google Patents

Abstract

This model is a pre-filled remittance system, which is mainly used by a user to make a user-side device generate and send a remittance information to a bank-side server, and the bank-side server generates a corresponding serial number based on the received remittance information. And send the serial number to the user-side device so that the user can enter the serial number at an automated teller machine, so that the automated teller machine calls the bank-side server according to the serial number to the pre-filled remittance information corresponding to the serial number. The pre-filled remittance information completes a remittance operation.

Description

Pre-filled remittance system

This new model relates to a remittance system, especially a pre-filled remittance system suitable for automatic teller machines.

In order to serve the public and allow people to access cash without being restricted by time and space, the bank is equipped with ATMs in different fields, so that the public can deposit and withdraw cash anytime and anywhere, regardless of bank business hours.

Generally speaking, when operating an ATM to perform a remittance operation, the public must enter the remittance account number and remittance amount information at the ATM in real time, and only a single remittance account can be remitted each time.

However, the number of remittance account codes is so large that the public is prone to input errors during the keying process. In addition, if the public wants to remit money to multiple remittance accounts, they can only repeat the remittance action multiple times at the ATM, which not only increases the chance of input errors, but also Exclude others from using opportunities, causing inconvenience in remittance.

In view of the above-mentioned shortcomings of the prior art, the main purpose of the present invention is to provide a pre-filled remittance system. The user can input the remittance account number and remittance amount information in the user terminal device in advance, and perform the remittance operation with the obtained serial number at the ATM This not only effectively avoids the occurrence of input errors, but also reduces the time to operate the ATM, and greatly improves the convenience of remittance.

In order to achieve the above purpose, the main technical means adopted by this new model are to make the aforementioned pre-filled remittance system include: A client device for generating and transmitting a remittance information; A bank-side server, which is connected to the user-side device in communication, to receive the remittance information, and generate a corresponding serial number based on the remittance information, and the serial number is used to transmit to the user-side device; and An ATM is in communication with the bank-side server, and is used to call the bank-side server according to the received serial number to the pre-filled remittance information corresponding to the serial number, so as to complete a remittance operation based on the pre-filled remittance information.

With the above structure, the user makes the user-side device generate and send the remittance information to the bank-side server to obtain the corresponding serial number, and make the ATM automatically send the remittance information to the bank-side server according to the received serial number Call the pre-filled remittance information corresponding to the serial number, and the ATM completes a remittance operation based on the pre-filled remittance information, thereby achieving the purpose of enhancing the convenience of remittance.

Regarding the preferred embodiment of the pre-filled remittance system of the present invention, please refer to FIG. 1. The pre-filled remittance system 1 includes a user terminal device 10, a bank server 20 and an automated teller machine 30. The user The terminal device 10 and the automated teller machine 30 communicate with the bank server 20 through a network 40.

The client device 10 is used to store and execute an application program to communicate with the bank server 20 via the network 40 through the application program. The application program is used to make the client device 10 display a person And send the received remittance information to the bank server 20 through the network 40, receive a serial number returned by the bank server 20, and display the serial number on the man-machine interface. Therefore, a user can input the remittance information through the man-machine interface, and read the serial number through the man-machine interface, wherein the serial number is associated with the remittance information.

In this preferred embodiment, the remittance information includes at least one remittance account number and a remittance amount corresponding to the at least one remittance account number.

In the preferred embodiment, the remittance information may further include user identification information corresponding to the user, such as a mobile phone number. In this way, it can be used to identify the user's identity, so as to improve the convenience of user identity verification and the security of remittance.

In this preferred embodiment, the application is a cash flow application corresponding to the bank server 20 (for example, an online banking application) or used to browse a cash flow website corresponding to the bank server 20 (For example: Internet banking website) browser, and this model is not limited by this.

In this preferred embodiment, the user terminal device 10 can be implemented by a smart phone, a tablet computer, a notebook computer or a desktop computer, and the present invention is not limited thereto.

The bank server 20 is used to communicate with the user device 10 via the network 40 to receive the remittance information and generate the serial number corresponding to the remittance information, wherein the remittance information and the serial number are stored The database on the server 20 of the bank. The bank server 20 is used to receive the serial number sent by the automated teller machine 30, and search for the corresponding remittance information according to the received serial number to generate a pre-filled remittance information, and send the pre-filled remittance information to the automatic ATM 30.

In the preferred embodiment, the bank-side server 20 is further used to determine whether the remittance information meets the requirements of the money laundering prevention mechanism (for example, whether the remittance amount is higher than the limit amount), when the remittance information meets the money laundering prevention mechanism The serial number will be generated again when it is specified.

In the preferred embodiment, the pre-filled remittance information includes the at least one remittance account number corresponding to the serial number and the remittance amount corresponding to the at least one remittance account number.

In the preferred embodiment, the serial number is a character string, and the number of characters in the serial number is less than the number of the account number of the remittance account. For example, the number of the account number of the remittance account is 13 digits, and the serial number is 5 characters Yuan character string, and the present invention is not limited by this.

In the preferred embodiment, the serial number is a random number string or an incremental string, and the present invention is not limited thereto.

In this preferred embodiment, the bank server 20 can be implemented by a server host or a cloud server, and the present invention is not limited by this.

The automated teller machine 30 communicates with the bank server 20 through the network 40, and is used to execute a cash flow application to display the corresponding man-machine interface, and to transmit the serial number received through the man-machine interface To the bank-side server 20 to receive the pre-filled remittance information returned by the bank-side server 20, and display the pre-filled remittance information on the man-machine interface. Thereby, the user can input the serial number through the man-machine interface of the automated teller machine 30 to call the at least one remittance account number and the remittance amount corresponding to the at least one remittance account number entered in the user terminal device 10 in advance , And perform the remittance operation according to the at least one remittance account displayed on the man-machine interface and the remittance amount corresponding to the at least one remittance account.

In the preferred embodiment, the cash flow application of the ATM 30 is further used to perform an authentication process, for example, when the user makes the ATM 30 read a financial card, and through the human-machine interface When a password is entered, the cash flow application program determines whether the password belongs to the financial card, and when the determination is yes, the cash flow application program resumes the remittance operation.

Therefore, with the pre-filled remittance system of the present invention, the user can pre-edit at least one remittance account number and the corresponding remittance amount with a familiar device, thereby greatly reducing the chance of input errors. In addition, the user can edit multiple remittances in advance. A remittance account number and the corresponding remittance amount greatly reduce the time and risk of operating the ATM 30, and will not reduce the opportunity for others to use, thereby achieving the purpose of enhancing the convenience of remittance.

According to the above-mentioned preferred embodiment and application method of the present invention, the operation method of a pre-filled remittance system can be summarized, which is mainly to make the above-mentioned user terminal device 10 and the automatic teller machine 30 pass through the network 40 and the bank server respectively 20 communication link, as shown in Figure 2, the method includes the following steps: Make the client device 10 generate and send a remittance information (S210); Make the bank server 20 receive the remittance information, and generate a corresponding serial number based on the remittance information, and the serial number is used to transmit to the client device 10 (S220); and The automatic teller machine 30 calls the bank server 20 with the pre-filled remittance information corresponding to the serial number according to the received serial number, and completes a remittance operation based on the pre-filled remittance information (S230).

In step S210 of the preferred embodiment, the user inputs the remittance information on the man-machine interface of the user terminal device 10.

In step S220 of the preferred embodiment, the bank server 20 is further used to determine whether the remittance information meets the requirements of the money laundering prevention mechanism. When the remittance information meets the requirements of the money laundering prevention mechanism, the bank server 20 The device 20 generates the serial number.

In step S230 of the preferred embodiment, the ATM 30 is further used to perform an authentication procedure.

In summary, the present invention uses the user terminal device 10, the automated teller machine 30 and the bank server 20 to exchange data through the Internet, so that the client device 10 can obtain the serial number associated with the remittance information. And input the serial number into the automated teller machine 30, so that the automated teller machine 30 can call the pre-filled remittance information to the bank server 20 through the serial number, and the user can quickly perform a remittance operation based on the pre-filled remittance information. In this way, the user can pre-edit at least one remittance account number and the corresponding remittance amount with a familiar device to greatly reduce the chance of input errors. In addition, the user can also pre-edit multiple remittance accounts and corresponding remittance amounts. The time and risk of operating the automated teller machine 30 are greatly reduced, and the opportunities for others to use will not be compressed, so as to achieve the purpose of enhancing the convenience of remittance.

1: Pre-filled remittance system 10: Client device 20: Bank-side server 30: ATM 40: Internet S210, S220, S230: steps

Figure 1 is a system architecture diagram of a pre-filled remittance system according to a preferred embodiment of the present invention; and Figure 2 is a system flowchart of the pre-filled remittance system according to the preferred embodiment of the present invention.

1: Pre-filled remittance system

10: Client device

20: Bank-side server

30: ATM

40: Internet

Claims (8)

A pre-filled remittance system, which includes: A client device for generating and transmitting a remittance information; A bank-side server, which is connected to the user-side device in communication, to receive the remittance information, and generate a corresponding serial number based on the remittance information, and the serial number is used to transmit to the user-side device; and An ATM is in communication with the bank-side server, and is used to call the bank-side server according to the received serial number to the pre-filled remittance information corresponding to the serial number, so as to complete a remittance operation based on the pre-filled remittance information. The pre-filled remittance system according to claim 1, wherein the remittance information includes at least one remittance account number and a remittance amount corresponding to the at least one remittance account number. For the pre-filled remittance system described in claim 2, wherein the remittance information may further include user identification information corresponding to a user. The pre-filled remittance system according to claim 1, wherein the user terminal device is a smart phone, a tablet computer, a notebook computer, or a desktop computer. The pre-filled remittance system according to claim 1, wherein the pre-filled remittance information includes the at least one remittance account number corresponding to the serial number and the remittance amount corresponding to the at least one remittance account number. The pre-filled remittance system according to claim 1, wherein the serial number is a character string, and the number of characters in the character string is less than the number of the account number of the remittance account. The pre-filled remittance system described in claim 1, wherein the serial number is a random number string or an incremental string. For example, the pre-filled remittance system described in claim 1, wherein the bank-side server is used to determine whether the remittance information meets the requirements of the money laundering prevention mechanism, and when it is determined that the remittance information meets the requirements of the money laundering prevention mechanism, the The bank-side server generates the serial number.

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