TWM615591U - Transaction system - Google Patents

Abstract

A transaction system is provided. The transaction system includes a bank-side server and a store-side electronic device. The bank-side server stores a plurality of account information. The store-side electronic device is communicatively connected to the bank-side server. The store-side electronic device receives an operation to use a barcode capture device to capture a barcode provided by a customer-side electronic device, to obtain a customer account information, a desired transaction type, and a desired transaction amount. The store-side electronic device transmits the customer account information, the desired transaction type and the desired transaction amount to the bank-side server.

Description

Trading System

This new creation is about a trading system.

Customers need to go to the bank counter or cash machine (or deposit machine) to conduct cash transactions. Go to the bank counter to comply with the business hours of the bank counter. On the other hand, the cash machine (or deposit machine) needs to be deployed and maintained by the bank at a lot of cost, and there is a risk of cash being stolen. Based on this, an improved trading system needs to be proposed.

The new creation provides a transaction system, which can improve the convenience for customers to deposit and withdraw cash.

The transaction system created by the present invention includes a bank-side server and a store-side electronic device. The bank-side server stores multiple account information. The store-side electronic device is connected to the bank-side server by communication. The store-side electronic device receives the operation to use the barcode capture device to capture the barcode provided by the client electronic device to obtain customer account information, desired transaction type, and desired transaction amount. The store-side electronic device transmits the customer account information, the type of transaction and the transaction amount to the bank-side server.

Based on the above, the transaction system created by the present invention can retrieve the barcode including the customer account information, the type of transaction and the amount of transaction to be performed by the barcode capture device. After verifying the customer account information, store account amount, and customer account amount on the bank-side server, the customer can deposit or receive cash in the store, thus improving the convenience of depositing and receiving cash.

In order to make the above-mentioned features and advantages of the new creation more obvious and understandable, the following specific examples are given in conjunction with the accompanying drawings to describe in detail as follows.

Fig. 1 is a schematic diagram of a transaction system 100 according to an embodiment of the new creation. The transaction system 100 may include a bank-side server 110 and a store-side electronic device 120.

The bank server 110 may have a processing unit (such as a processor but not limited to this), a communication unit (such as various communication chips, mobile communication chips, Bluetooth chips, WiFi chips, etc. but not limited to this), and a storage unit ( For example: removable random access memory, flash memory, hard disk, etc. but not limited to these necessary components for running the bank-side server 110. The bank-side server 110 may include, for example, a mobile station, an advanced mobile station (AMS), a client, a desktop computer, a notebook computer, a personal digital assistant, or a workstation with an IP address or network function. equipment. The bank server 110 may be installed in a bank institution. The bank server 110 can store multiple account information, such as multiple accounts corresponding to multiple customers.

The store-side electronic device 120 may have a processing unit (such as a processor but not limited to this), a communication unit (such as various communication chips, mobile communication chips, Bluetooth chips, WiFi chips, etc. but not limited to this), and a storage unit ( For example: removable random access memory, flash memory, hard disk, etc. but not limited to this) and other necessary components for running the store-side electronic device 120. The store-side electronic device 120 is, for example, a commonly used terminal device. For example, the store-side electronic device 120 may include a desktop computer, a notebook computer, a personal digital assistant, a smart phone or a thin terminal, etc., with an IP address or an Internet connection. Functional equipment. The store-side electronic device 120 can be communicatively connected to the bank-side server 110. The store-side electronic device 120 may be installed in a store where cash transactions can be used.

The store-side electronic device 120 may include a barcode capture device 121. The barcode capture device 121 may be a camera, for example. In another embodiment, the store-side electronic device 120 may not include the barcode capture device 121, but is connected to the barcode capture device 121.

The client electronic device 200 may have a processing unit (such as a processor but not limited to this), a communication unit (such as various communication chips, mobile communication chips, Bluetooth chips, WiFi chips, etc. but not limited to this), and a storage unit ( For example: removable random access memory, flash memory, hard disk, etc. but not limited to these necessary components for running the client electronic device 200. The client electronic device 200 is, for example, a commonly used terminal device. For example, the client electronic device 200 may include a desktop computer, a notebook computer, a personal digital assistant, a smart phone, or a thin terminal, etc., with an IP address or an Internet connection. Functional equipment. The client electronic device 200 can be used by customers in stores (that can trade with cash). The client electronic device 200 can be communicatively connected to the bank server 110.

The client electronic device 200 may include a display device 210. The display device 210 may be, for example, a display including display and touch functions.

When a customer is in a store where cash transactions can be used and wants to make cash deposits or cash withdrawals in the store, the customer can open the application 220 through the display device 210 as shown in FIG. 1. The application 220 may be, for example, an online banking application of the bank corresponding to the bank server 110. Then, the customer can use the display device 210 to input customer login information to log in to the application 220. For example, the customer can enter the online banking account number and the online banking password registered with the bank server 110 in advance.

The client electronic device 200 can send the client login information to the bank server 110. The bank-side server 110 may verify the client's login information to obtain a verification result of the client's login information. If the verification result of the client login information is a successful verification result, the bank-side server 110 may send the client account information corresponding to the client login information to the client electronic device 200. In other words, after the customer logs in to the application 220 and the bank-side server 110 verifies the customer’s login information as a successful verification, the bank-side server 110 can send the customer account information corresponding to the customer’s login information (for example, the bank-side server The bank account number opened by the customer at the bank previously stored in 110) is transmitted to the client electronic device 200.

After the client electronic device 200 receives the customer account information from the bank server 110, the customer who uses the client electronic device 200 can input the type of transaction and the amount of the transaction desired through the display device 210. The desired transaction type is, for example, the customer wants to deposit cash from the store or withdraw cash from the store. The desired transaction amount can be the amount that the customer wants to deposit or withdraw from the store.

The client electronic device 200 can generate a bar code including the customer account information, the type of transaction and the amount of the transaction to be performed according to the account information of the client, the type of transaction to be performed, and the amount of transaction to be performed. In other words, the barcode generated by the client electronic device 200 may include the customer account information, the type of transaction to be performed, and the amount of transaction to be performed. The client electronic device 200 can provide the aforementioned barcode to the barcode capture device 121 through the display device 210.

The barcode generated by the client electronic device 200 may be, for example, a Quick Response Code (QR Code) or other types of barcodes, and the creation of the present invention is not limited to this.

The store-side electronic device 120 may receive an operation to use the barcode capture device 121 to capture the barcode provided by the client electronic device 200 to obtain the aforementioned customer account information, the type of transaction and the amount of the transaction. For example, a store clerk can operate the barcode capture device 121 of the store-side electronic device 120 to capture the barcode provided by the client electronic device 200.

The electronic device 120 on the store side can transmit the customer account information, the type of transaction and the amount to be transaction to the bank server 110.

The bank server 110 can determine whether the customer account information belongs to one of the multiple account information stored in the bank server 110.

If the bank server 110 determines that the customer account information does not belong to one of the multiple account information, the bank server 110 may send a transaction cancellation message to the store electronic device 120. For example, the store-side electronic device 120 may display a transaction cancellation message through a display device (not shown in the figure), so that the store clerk operating the store-side electronic device 120 stops the cash transaction with the customer.

Store account information among the plurality of account information stored in the bank server 110 can be associated with the store electronic device 120. For example, the bank server 110 can store a store account associated with the store electronic device 120. The store account information can correspond to the store account amount. For example, the bank server 110 may store the current store account amount of the store account information.

If the bank server 110 determines that the customer account information belongs to one of the multiple account information, and if the desired transaction type is cash deposit, and if the desired transaction amount is less than the store account amount, the bank server 110 may set the desired transaction amount Transfer funds from store account information to client account information. For example, if the bank server 110 verifies that the customer account information is an account that has been applied for opening an account at this bank, and the current store account balance is sufficient (greater than the desired transaction amount), the bank server 110 will determine that the cash deposit transaction is Success, and transfer the amount of the transaction from the store account to the customer account.

After transferring the desired transaction amount from the store account information to the customer account information, the bank-side server 110 may send a banknote deposit success message to the store-side electronic device 120, wherein the banknote deposit success message includes the desired transaction amount. For example, the store-side electronic device 120 may display a banknote deposit success message including the desired transaction amount through a display device (not shown), so that the store clerk operating the store-side electronic device 120 can charge the customer the same amount as the desired transaction amount Of cash.

In another embodiment, the customer account information received by the bank server 110 from the store electronic device 120 may correspond to the customer account amount. For example, the bank server 110 may store the current client account amount of the client account information.

If the bank-side server 110 determines that the customer account information belongs to one of the multiple account information, and if the type of transaction is cash withdrawal, and if the transaction amount is less than the cash amount in the store, and if the transaction amount is less than the customer account amount , The bank server 110 can transfer the desired transaction amount from the customer account information to the store account information. For example, if the bank-side server 110 verifies that the customer account information is an account that has been applied for opening an account at this bank, and the current cash amount in the store is sufficient (greater than the desired transaction amount), and the current customer account balance is sufficient (greater than the desired transaction amount) ), the bank-side server 110 will determine that the cash withdrawal transaction is successful, and transfer the desired transaction amount from the customer's account to the store's account.

After transferring the desired transaction amount from the customer account information to the store account information, the bank-side server 110 may send a cash withdrawal success message to the store-side electronic device 120, wherein the cash withdrawal success message includes the desired transaction amount. For example, the store-side electronic device 120 may display a cash withdrawal success message including the desired transaction amount through a display device (not shown), so that the store clerk operating the store-side electronic device 120 can provide the same amount of cash as the desired transaction amount To this customer.

In summary, the transaction system created by the present invention can retrieve barcodes including customer account information, desired transaction type, and desired transaction amount by a barcode capture device. After verifying the customer account information, store account amount, and customer account amount on the bank-side server, the customer can deposit or receive cash in the store, thus improving the convenience of depositing and receiving cash.

Although the creation of this new type has been disclosed in the above embodiments, it is not intended to limit the creation of this new type. Anyone with ordinary knowledge in the technical field can make some changes and changes without departing from the spirit and scope of the creation of the new type. Retouching, therefore, the scope of protection for the creation of this new model shall be subject to the scope of the attached patent application.

100: trading system 110: Bank-side server 120: store-side electronic device 121: Barcode capture device 200: Client electronic device 210: display device 220: Application

Fig. 1 is a schematic diagram of a transaction system according to an embodiment of the new creation.

100: trading system

110: Bank-side server

120: store-side electronic device

121: Barcode capture device

200: Client electronic device

210: display device

220: Application

Claims (5)

A trading system including: A bank-side server that stores multiple account information; and A store-end electronic device, the store-end electronic device is communicatively connected to the bank-end server, wherein: The store-side electronic device receives an operation to retrieve a code provided by a client electronic device using a code capture device to obtain a customer account information, a desired transaction type, and a desired transaction amount, The store-side electronic device transmits the customer account information, the desired transaction type, and the desired transaction amount to the bank-side server. The transaction system according to claim 1, wherein a store account information of the plurality of account information is associated with the store-side electronic device, wherein the store account information corresponds to a store stored in the bank-side server Account amount, of which: If the bank-side server determines that the customer account information belongs to one of the multiple account information, and if the desired transaction type is cash deposit, and if the desired transaction amount is less than the store account amount , The bank-side server transfers the desired transaction amount from the store account information to the customer account information, The bank-side server transmits a banknote deposit success message to the store-side electronic device, wherein the banknote deposit success message includes the desired transaction amount. The transaction system according to claim 1, wherein a store account information in the plurality of account information is associated with the store-side electronic device, wherein the customer account information in the plurality of account information corresponds to the The amount of a client account stored by the bank-side server, of which: If the bank-side server determines that the customer account information belongs to one of the multiple account information, and if the desired transaction type is cash withdrawal, and if the desired transaction amount is less than a store cash amount And if the desired transaction amount is less than the customer account amount, the bank-side server transfers the desired transaction amount from the customer account information to the store account information, The bank-side server transmits a cash withdrawal success message to the store-side electronic device, wherein the cash withdrawal success message includes the desired transaction amount. The transaction system of claim 1, wherein if the bank-side server determines that the customer account information does not belong to one of the plurality of account information, the bank-side server sends a transaction cancellation message to all The store-side electronic device. The transaction system according to claim 1, wherein the client electronic device is communicatively connected to the bank server, wherein the client electronic device includes a display device, wherein: The client electronic device receives a client login information through the display device to log in an application program of the client electronic device, The client electronic device transmits the customer login information to the bank server, In response to the verification result of a client login information of the client login information by the bank-side server being a verification success result, the bank-side server transmits the client account information corresponding to the client login information to the Client electronics, The client electronic device receives the desired transaction type and the desired transaction amount through the display device, The client electronic device generates the barcode including the customer account information, the type of transaction and the amount of the transaction to be performed according to the account information of the client, the type of transaction to be performed, and the amount of the transaction to be transaction, and passes The display device provides the barcode.

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