TWM630705U - System for one-time financial transaction among multiple accounts - Google Patents

Abstract

A system for one-time financial transaction among multiple accounts is provided. The system provides a serving system and an application executed in a user device. The serving system has a database that records account data of multiple clients. The application allows a user to initiate a transaction procedure for transferring or payment collection. The serving system receives a request for one-time transaction that includes identification data for identifying multiple persons from the user device. The account data of each of the persons can be obtained by querying the database according to the identification data. The account data is then transmitted to the user device. The serving system performs a transaction instruction sent from the user device for transferring money to the multiple persons or collecting money from the persons. The one-time financial transaction among multiple accounts is achieved.

Description

Multi-account one-time financial transaction system

The specification discloses a technology for processing programs between multiple accounts in one transaction, especially a system for querying multiple accounts according to the characteristics of multiple people to execute one-time financial transactions.

Based on the current situation that the use of mobile devices to perform payment is becoming more and more prosperous, users can first log in to the transaction software through the mobile device, such as the mobile banking application (APP) provided by the bank, and use the transfer function to fill in the account information of the transaction object. , you can easily complete online transfer transactions.

In mobile banking applications, it is common to provide records of agreed accounts or frequently used accounts, so that users can easily select one of the accounts without omitting the steps of filling in account information.

However, users may face the need to conduct transactions with multiple people at one time. For example, when an account amount is to be distributed among multiple people, or when multiple people complete a service, one person will advance the payment first, and then pay to each person. demand for payment. In this regard, the current method is still to obtain the account information of each person one by one, or to require each person to conduct transactions with themselves one by one, and the prior art has not yet provided an effective and convenient way for users to transfer funds with multiple people at one time. Or the scheme of receiving the transaction, especially the transaction object may not be recorded in his usual account.

In view of the need to conduct financial transactions with multiple people at one time, the disclosure book proposes a multi-account one-time financial transaction system realized by the computer network in cooperation with the relevant systems of financial institutions.

According to the embodiment of the system for executing multi-account one-time financial transactions, the system includes a server system located in a financial institution or a specific third party, and the server system implements a financial institution system for running multi-account one-time financial transactions. And a storage device, one or more computer hosts are connected to the storage device, the storage device implements a database, the database records the account information of a plurality of customers, the server system is used to manage the financial transactions among the plurality of customers, and execute the An application on a user device where the server system will perform a multi-account one-time financial transaction.

According to the embodiment in which the server system executes the multi-account one-time financial transaction, in the server system, a one-time multi-person transaction request is initially received from the user device, which includes an identification data that can identify the identities of multiple people, and the identification data can be obtained through The user device takes pictures of multiple people, and then, in the servo system, the biometric features of each person in the image can be analyzed by image recognition technology, and the database can be queried according to the identification data that can identify the identity of multiple people. Personal account information, and then send the account information of multiple people to the user device, and the user operates the user device to input the amount transferred to each person or the amount received in the associated field of the obtained account information of each individual. Generate a transaction order and send it to the servo system, so that the server system can execute the transaction order, including transferring money to multiple people, or receiving money from multiple people, that is, to complete a multi-account one-time financial transaction.

In yet another embodiment, when performing a multi-account one-time financial transaction, the biometric features of multiple people can also be obtained through the voiceprint recognition technology according to the voiceprints of multiple people recorded by the user device through the biometrics acquisition interface. Query the database to obtain each person's account information, and then perform the procedures for subsequent transfers.

Further, in the embodiment of transferring money to multiple people, a transfer interface for transferring money to multiple people is started in the user device, and when the account information of the multiple people is obtained from the server system, the account information of the multiple people is displayed on the transfer interface one by one. Account information, after inputting the amount to be transferred to each person, send transaction instructions to the server system through the transfer interface to complete multi-account one-time financial transactions.

Further, in the embodiment of collecting money from multiple people, a collection interface for collecting money from multiple people is started in the user device. Display the account information of multiple people one by one. After entering the amount of money to be received from each person, the transaction instruction is sent to the server system through the payment interface, and the server system notifies multiple people to receive money from the account information of multiple people. To complete multi-account one-time financial transactions.

For a further understanding of the features and technical contents of the present invention, please refer to the following detailed descriptions and drawings of the present invention. However, the drawings provided are only for reference and description, and are not intended to limit the present invention.

The following are specific specific examples to illustrate the implementation of the present invention, and those skilled in the art can understand the advantages and effects of the present invention from the content disclosed in this specification. This creation can be implemented or applied through other different specific embodiments, and various details in this specification can also be modified and changed based on different viewpoints and applications without departing from the concept of this creation. In addition, the drawings in this creation are only for simple schematic illustration, and are not drawn according to the actual size, and are stated in advance. The following embodiments will further describe the related technical contents of the present creation in detail, but the disclosed contents are not intended to limit the protection scope of the present creation.

It should be understood that although terms such as "first", "second" and "third" may be used herein to describe various elements or signals, these elements or signals should not be limited by these terms. These terms are primarily used to distinguish one element from another element, or a signal from another signal. In addition, the term "or", as used herein, should include any one or a combination of more of the associated listed items, as the case may be.

This disclosure document proposes a multi-account one-time financial transaction system, one of the purposes of which is to allow users to rely on the multi-person account information recorded in the database of financial institutions (such as banks, third-party payment, etc.) to make a one-time transfer to multiple people or In the process of receiving money from multiple people, the process of transferring money without entering account information one by one or needing to inform others of their own account to receive money from others, etc., in addition to avoiding errors in the process, it also provides fast and convenient financial services Serve. For example, through the multi-account one-time financial transaction system proposed by the disclosure book, when multiple people need to share accounts, such as sharing the cost of eating together or traveling together, the multi-account one-time financial transaction system provides fast and convenient. Receiving function; when there is a need to transfer money to multiple people, the multi-account one-time financial transaction realized in it can also conveniently allow users to transfer money to multiple people at one time.

FIG. 1 shows a diagram of an embodiment of a system architecture for implementing a multi-account one-time financial transaction system. The multi-account one-time financial transaction system is implemented in the financial institution system 11, and the financial institution system 11 runs the relevant procedures of the multi-account one-time financial transaction proposed in the disclosure. According to the embodiment, the financial institution system 11 is implemented by a server system 110 of a server host, a workstation or a cloud server, wherein hardware such as network elements, computing circuits, storage, etc., such as one or more computer hosts (shown in the figure) The computer host 12 represented by ) and the interconnected storage device 13, plus various software means, realize the multi-account one-time financial transaction.

In the server system of the financial institution system 11, a database 130 is implemented by the internal or external storage device 13, which records the account information of a plurality of customers, so that the server system can manage the financial transactions among the plurality of customers. The database 130 also records The identification data that can identify the customer's identity, such as facial features, facial features, specific body part features, or biometric features formed by voiceprint data, can be stored in the database 130 by digital images and digital biometric features; The multi-account one-time financial transaction system can still use other information that can identify customers, such as specific patterns (such as tattoos), bit identification codes (such as ID card numbers), etc.

According to the financial institution system 11, a plurality of modules are realized by the hardware (such as a processor or a memory, and can be matched with software) of the computer host 12. The modules realized by the computer host 12 include recognizable The identity recognition module 111 for analyzing and identifying the identification data of the person's identity to obtain the identity information, the account inquiry module 113 for querying the corresponding account information in the database 130 according to the identity information of each person, and executing the data sent by the user device. The transaction execution module 115 for transaction instructions between multiple accounts.

When the multi-account one-time financial transaction system runs the multi-account one-time financial transaction step process, the end user operates the user device 101 to log in to the financial institution system 11 via the network 10, and executes a specific application program. Transfer interface or payment interface, with the consent of multiple people, shoot multiple people to generate an image, or obtain other biometric features that can identify multiple people, such as recording sound signals, and send it to the financial institution through the network 10 together with a one-time multi-person transaction request institutional system. The obtained biometrics can be identification data that can identify multiple people, for example, facial images, or specific parts, or voiceprints of multiple users holding user devices 102, 103, and 104, and then transmitted To the financial institution system 11 , the identity recognition module 111 uses an identity recognition technology (such as image recognition technology, voiceprint recognition technology, etc.) to obtain the biometric features of multiple people, and compares the database 130 to obtain the identity of each person recorded therein. Then, through the account inquiry module 113, the database 130 can be inquired to obtain the account information of each individual, and the communication data of each individual can be included to facilitate the transmission of relevant information.

In the process of performing multi-person transfer, the user device 101 can obtain the account information of multiple people (or can be displayed or hidden with the consent of multiple people, and the hidden part and key information can be considered under security considerations), fill in one by one or After the transfer amount is automatically filled in, the purpose of multi-person transfer can be completed at one time after confirming the execution of the transfer transaction. In the process of executing multiple payment collection, the user device 101 first obtains the information of the multiple persons to be collected (in the case of security considerations, the hidden part and key information may be considered), and can be filled one by one or automatically filled in After the payment is confirmed, the financial institution system 11 can first confirm with the recipient (as shown in the figure, multiple people holding the user devices 102, 103, and 104), and then complete the one-time payment collection from multiple people. Purpose. After the user device 101 that initiates the one-time multi-person transaction request confirms the transfer or payment information, a transaction instruction is issued, and the transaction execution module 115 in the financial institution system 11 completes the subsequent transaction procedure.

It is mentioned here that, under normal circumstances, if you want to perform a multi-account one-time financial transaction, there are many people in the image, or other identification information obtained by other methods that can identify the identities of many people. These people are better It is preferably a customer of a financial institution that operates a multi-account one-time financial transaction, because the database 130 generally records the financial institution's own customer's account information and biometric characteristics, so that each individual's account information can be obtained smoothly. Therefore, according to the above embodiment, if there is a customer of a non-financial institution in the image or voiceprint, it may not be possible to proceed smoothly, but the transfer interface still provides the traditional method of inputting account information. However, when financial institutions (or through a third-party server system) can exchange account information and biometrics of their respective customers, the multi-account one-time financial transaction process can still run in systems across financial institutions.

The main flow of the multi-account one-time financial transaction performed by the server system of the financial institution system can be referred to the flow chart of the embodiment shown in FIG. 2 .

In the multi-account one-time financial transaction process executed by the server system, as in step S201, the user is activated, and after obtaining data including identification information that can identify the identities of multiple people, the user can operate the application executed in the device. A program that generates and sends a one-time multi-person transaction request to the connected server system, which includes identification data that can identify multiple people, and the identification data that can identify multiple people can be through the software in the user's device. Capture multiple people's images with cameras, record sounds, or obtain personally identifiable data through various reading techniques.

Then, taking the image recognition user identity as an example, in step S203, the identity recognition technology in the servo system is used to identify the identities of multiple people in the image, for example, to obtain biometric features according to the facial features or voiceprints of multiple people, and provide Until the servo system recognizes the identities of multiple people; in terms of identity recognition technology, the server system can obtain the identity information of multiple people from the identification data that can identify the identities of multiple people. An identification feature, preferably a biometric feature, is queried to obtain each person's account information by comparing the digitized data.

In step S207, in the multi-person transfer mode, the server system transmits the multi-person account information obtained by the query to the requesting user device; in the multi-person payment mode, the server system will send the payment information. It is sent to each recipient, and the server system will execute the transfer only after obtaining the authorization of each person. Therefore, as in step S209, the server system will receive transaction instructions from each of the requesting user or persons to complete the multi-account one-time financial transaction as in step S211.

For the detailed flow of the multi-person transfer mode, please refer to the flow chart of the embodiment of the multi-party execution of one-time financial transactions with multiple accounts shown in FIG. The user device display screen example diagram. The shown process runs between user devices operated by multiple people (such as user one 31, user two 32, and user three 33) and the server system at the financial institution 35, where user one 31 sends out a multi-person transaction request , the flow chart of this embodiment describes the process of transferring funds from user one 31 to other multiple people (user two 32 and user three 33 ). The server system is provided with a database, which records at least the account information of a plurality of customers, and also includes the communication information.

At the beginning of the process, the user device on the user side 31 executes an application program. Referring to FIG. 5A, a transfer transaction screen 50 of the user device performing multi-person transfer is displayed. Function 501, such as inputting an account number, password, or verifying the user's identity with biometric identification technology, and then performing a multi-person transfer function; another embodiment is the transfer transaction screen 70 as shown in FIG. 7A and the identity verification function provided by the application program. 701.

The user-31 activates a biometric acquisition interface through the application program, wherein the biometric acquisition function is used to acquire the biometric data of multiple people, including that individual biometric data can be acquired separately or simultaneously for each person, that is, simultaneous or separate access to use User 2 biometric data (step S301 ) and obtain user 3 biometric data (step S303 ).

According to one of the embodiments of obtaining biometrics, the camera of the user device is activated through the biometrics acquisition interface to capture an image including multiple people. Referring to FIG. 5B, a transfer object screen 503 can be displayed. The facial images of the transfer recipients AAA, BBB, CCC and DDD, and then the biometric features of each person are captured by image recognition technology.

According to another embodiment of obtaining biometric features, in addition to facial biometric features (other images that can identify identities are not excluded), the identification data that can identify multiple people can also be the voiceprints of each person, as shown in FIG. 7B through biometrics The feature acquisition interface acquires the voice signals of a plurality of transfer objects AAA' and BBB', as shown in the voice print screen 703 of the transfer objects. For example, when recording a sound signal, turn on the microphone function of the user device, and ask the transfer recipients AAA' and BBB' (the payee) to say "I want to receive money", and obtain them in batches and at the same time through the biometric acquisition interface. The voice signals of many people are obtained, and the biometrics in each person's voice signals are obtained by voiceprint recognition technology. It is worth mentioning that the above-mentioned algorithms for identifying biometric features can be executed in the user device, however, it should preferably be executed by a servo system capable of simultaneously executing multiple identification processes.

Afterwards, based on the obtained biometric features of the multiple people, a one-time multi-person transaction request is formed at the user end 31, and the request is sent to the financial institution 35, so that the financial institution 35 can receive the one-time multi-person transaction request (in this example, Multi-person transfer mode), and can accompany this request with multi-person identification data (step S305). In the server system of the financial institution 35, after the identification is performed, a digital characteristic code is obtained, so that the database can be inquired according to the identification data that can identify the identities of multiple persons, and the account information and communication information of each person can be obtained (step S307).

After that, the financial institution 35 transmits the account information of the multiple people to the user one 31 who issued the one-time multi-person transaction request (step S309 ). According to the embodiment, the application program executed in the user device of the user one 31 initiates the transfer. A transfer interface for multiple people. When the account information of multiple people is obtained from the server system, the account information of multiple people is displayed on the transfer interface one by one.

For an example of implementation, please refer to FIG. 5C. Based on the security requirements of protecting personal data, the account information of the transfer may not be displayed, but the transfer information of multiple people may be displayed on the transfer transaction screen 50, such as each person’s image, name and provision for use. The first transfer information 505, the second transfer information 506, the third transfer information 507, and the fourth transfer information 508, such as the transfer amount set by the user, are provided. After confirming the information, the user can press the button to transfer the funds immediately. 509. As shown in FIG. 7C , after the biometric feature in the voiceprint is obtained by the servo system according to the voice signal, the financial institution 35 transmits the account information of the multiple persons to the user one 31 , and the application program of the user device displays the transfer transaction screen 70 , which includes The first transfer information 705 of the transfer object AAA', and the second transfer information 706 of the transfer object BBB'.

At this time, a transaction instruction (transfer instruction) is sent from the user-31 end user device to the financial institution 35 (step S311 ), so that the financial institution 35 can execute the transaction instruction according to each person's transfer amount (step S313 ). It should be mentioned here that when the transfer information of multiple people is displayed on the transfer transaction screen 50, the application program allows the user to input the respective transfer amount individually, or under the requirement of equalizing (or a specific calculation formula) an account , which can automatically calculate the transfer amount for each person.

After inputting the amount to be transferred to each person, the transaction instruction can be sent to the server system of the financial institution 35 through the transfer interface. In this process, when the financial institution 35 completes the transaction instruction, the transaction result is returned to the user who made the request. One 31 (step S315 ), the transaction result 510 shown in FIG. 5D and the transaction result 710 shown in FIG. 7D are respectively. The transaction results of the same or different transfer amounts from user one 31 to other multiple people (user two 32 and user three 33) can be displayed on different pages or on one page, and the contents can include transfer amount, transfer account, Transfer information such as the object, so as to inform the user that the transaction is successful. At this time, the financial institution 35 can also transmit relevant transaction information according to the communication data of the second user 32 (step S317 ), and transmit transaction information according to the communication data of the third user 33 (step S319 ) to complete the multi-account one-time financial transaction.

Fig. 4 then describes the detailed flow of the multi-person payment collection mode. For the relevant schematic diagrams of the flow, please refer to the flowcharts of the flowcharts shown in Fig. 6A to Fig. The flow chart of the voiceprint implementation of the multi-account one-time financial transaction can also be used in conjunction with the display screen examples of the payer user device shown in FIG. 9A to FIG. 9C . The shown process runs between user devices operated by multiple people (such as user one 41, user two 42, and user three 43) and the server system at the financial institution 45, where user one 41 sends out a multi-person transaction request , the flow chart of this embodiment describes the process of a user one 41 collecting money from other multiple people (user two 42 and user three 43 ) at one time.

At the beginning of the multi-person collection process, the user operates the user device to open the application, and the application starts from a collection interface for multi-person collection, such as a biometric acquisition interface, which is used to obtain the multi-person payment separately or simultaneously. biological data. One embodiment is the payment transaction screen 60 shown in FIG. 6A , after the user identity is verified by the identity authentication function 601, the user is guided to shoot an image including multiple people, or an image of each individual generated by individual shooting; Another embodiment is the payment transaction screen 80 shown in FIG. 8A . The identity verification function 801 is used to verify the user's identity, and then the user is guided to record the voice signal of the payment object to form voiceprint data provided to the servo system.

In the process shown in FIG. 4 , the user 1 41 opens the payment transaction screen 60 after the identity verification, and then obtains the user 2 biometric data (step S401 ) and obtains the user 3 biometric data (such as facial images or voice signals) ( Step S403), after confirming the multiple objects to be paid, a one-time multi-person transaction request is generated and sent to the server system of the financial institution 45, which may include identification data that can identify the identities of multiple persons (step S405), which may be for each An image of an individual's face, or an image of a specific part of the body, or other identification data that can identify the recipient of the payment, such as a voiceprint. Referring to FIG. 6B, an example diagram is shown, which is a payment object screen 603 started by an application program executed on the user device of the user 41, wherein the displayed image includes payment objects AAA, BBB, CCC and DDD The face images of the others; another payment object screen 803 shown in FIG. 8B , which shows that the microphone of the user device is turned on through the biometric acquisition interface to record the sound signal of the payment object, and the payment objects AAA' and BBB are displayed. ' voiceprint.

In the financial institution 45, the identities of many people are identified based on the identification data that can identify the identities of many people, including using image recognition technology to obtain biometric features according to the facial images of each person, or using voiceprint recognition technology to identify the received voice. The biometric feature is obtained from the fingerprint data, and after obtaining the digital feature code, the database is inquired to obtain the account information and communication information of each person (step S407 ), and then the relevant information is sent to the user of the user 41 according to the account information of the multi-person device (step S409).

According to the embodiment, referring to FIG. 6C , the payment transaction screen 60 displays the multi-person account information determined by the financial institution 45 . In this example, the first transfer information 605 of the payment object AAA and the second transfer information of the payment object BBB are displayed. The transfer information 606 , the third transfer information 607 of the payment object CCC, and the fourth transfer information 608 of the payment object DDD also include the user-41's own transfer account and total payment amount. Also, the payment transaction screen 80 shown in FIG. 8C includes the first transfer information 805 of the payment object AAA' and the second transfer information 806 of the payment object BBB'.

The schematic screen shown in FIG. 6C or FIG. 8C is to provide the payment information confirmed by the user one 41, or if the amount received from each person is different, the user one 41 can rewrite or input the payment to each person through the payment interface The amount of money received and, here, information about personal security should be hidden from the app in question. After the user 1 41 confirms the object and amount of the payment, a transaction instruction is sent to the financial institution 45 through the payment interface, including the payment amount for each person (step S411 ).

Afterwards, the financial institution 45 transmits the payment message to the user device of the payee according to the communication data of the payee, for example, provides the user two 42's own account information and payment information, so that the user two 42 can confirm whether this The account is transferred out, or another account can be selected, or the transfer to the user one 41 is rejected (step S413 ); a payment message is also sent to the user device of the user three 43, which records the account information of the user three 43 and The amount of money received includes asking the user 3 43 to confirm whether to transfer from this account, or to choose another account, or reject the transfer to the user 1 41 (step S415 ).

FIG. 9A schematically shows the transfer message 901 displayed on the payment transaction screen 90 on the user device of the user two 42 or the user three 43. In this example, a bank message is displayed: You have received a transfer request. After clicking on the transfer message 901, the transfer information 903 of the payment transaction screen 90 shown in FIG. 9B is displayed, in which the amount can be provided by the server, or filled or edited by each individual. After the user confirms the payment information, the user can Click Transfer Now 905 to confirm the transfer with the financial institution 45 .

When the second user 42 confirms the payment information sent by the financial institution 45, including confirming the account and amount of the transfer, it will respond to the transaction request, or it may be other additional transfer information, such as modifying the account to be transferred, or rejecting it. Transfer (step S417 ), after the financial institution 45 receives the message that the second user 42 agrees to transfer the funds, executes the transaction instruction to transfer the funds to the first user 41 (step S419 ), and returns the transaction result to the second user 42 (step S421 ). The transaction result 907 displayed on the payment transaction screen 90 in the user device of the payer can be displayed with reference to FIG. 9C .

On the other hand, the third user 43 also confirms the payment information sent by the financial institution 45, and also responds to the transaction request, or modifies the transfer account, or rejects the transfer (step S423), and the financial institution 45 executes the transaction instruction according to the reply message , transfer the set amount from the account of user three 43 to the account of user one 41 (step S425 ), and also reply the transaction result to user three 43 (step S427 ), as shown in the payer’s user device as shown in FIG. 9C Result 907 on the transaction. Finally, when the financial institution 45 completes the transaction procedure of multiple payment collection, it can transmit the transaction results to the user one 41 one by one (step S429), and the display mode of the final result can be displayed on the user one 41 on different pages or on one page The transaction results of the same or different payment amounts, such as the transaction result 610 shown in FIG. 6D, or the transaction result 810 shown in FIG. 8D.

To sum up, according to the multi-account one-time financial transaction system described in the above embodiments, the system is provided with a server system, including a computer host and a storage device, and the storage device implements the database, which stores the communication data of each person and account information for the purpose of transmitting account information. When the proposed multi-account one-time financial transaction system executes the multi-account one-time financial transaction, the application program executed by the user device can take pictures and capture the identification features of multiple people, or the server system can judge based on the biometric features of the multiple people. Multi-person identity information allows users to edit transfer and payment information, transfer funds, receive payment information and other functions. Therefore, the proposed creation can realize the effect of transferring money to multiple people at one time, and realizing the effect of collecting money from multiple people at one time.

The contents disclosed above are only the preferred and feasible embodiments of the present invention, and are not intended to limit the scope of the patent application of the present invention. Therefore, any equivalent technical changes made by using the contents of the description and drawings of the present invention are included in the application of the present invention. within the scope of the patent.

11: Financial Institution Systems 111: Identity module 113: Account query module 115: Transaction Execution Module 110: Servo system 12: computer host 13: Storage device 130:Database 10: Internet 101, 102, 103, 104: User Devices 31: User One 32: User Two 33: User Three 35: Financial Institutions 41: User One 42: User Two 43: User Three 45: Financial Institutions 50:Transfer transaction screen 501: Identity authentication function 503: The face screen of the transfer object AAA, BBB, CCC, DDD: transfer object, payment object 505: First transfer information 506:Second transfer information 507: The third transfer information 508: Fourth transfer information 509: Immediate transfer 510: Transaction Result 60: Payment transaction screen 601: Identity authentication function 603: The face of the recipient 605: First transfer information 606: Second transfer information 607: The third transfer information 608: Fourth transfer information 610: Transaction Result 70:Transfer transaction screen 701: Identity authentication function 703: Voiceprint screen of transfer object AAA', BBB': transfer object, payment object 705: First transfer information 706: Second transfer information 709: Immediate transfer 710: Transaction Result 80: Payment transaction screen 801: Identity authentication function 803: Voiceprint screen of the recipient 805: Information of the first transfer 806:Second transfer information 810: Transaction Result 90: Payment transaction screen 901: Transfer message 903: Transfer Information 905: Immediate transfer 907: Transaction Result Steps S201-S211: Multi-account one-time financial transaction process Steps S301-S319: Multi-account one-time financial transaction process Steps S401-S429: Multi-account one-time financial transaction process

Fig. 1 shows the system structure embodiment diagram of the multi-account one-time financial transaction system;

FIG. 2 shows a flowchart of an embodiment of a financial institution system performing a multi-account one-time financial transaction;

Figure 3 shows one of an embodiment flow diagram of multiple parties executing a multi-account one-time financial transaction;

Figure 4 shows the second embodiment of the flow chart of the multi-party execution of the multi-account one-time financial transaction;

FIGS. 5A to 5D show one of the embodiments of the display screen of the user device for performing multi-account one-time financial transactions using human faces;

6A to 6D show the second embodiment of the display screen of the user device for performing multi-account one-time financial transactions by using the human face;

FIGS. 7A to 7D show one example of a display screen of a user device for performing multi-account one-time financial transactions using voiceprint;

FIG. 8A to FIG. 8D show the second embodiment of the display screen of the user device for performing multi-account one-time financial transaction using voiceprint; and

FIGS. 9A to 9C show exemplary diagrams of display screens of a payer user device performing a multi-account one-time financial transaction.

11: Financial Institution Systems

111: Identity module

113: Account query module

115: Transaction Execution Module

110: Servo system

12: computer host

13: Storage device

130:Database

10: Internet

101, 102, 103, 104: User Devices

Claims (9)

A multi-account one-time financial transaction system, comprising: A server system, which implements a financial institution system for running multi-account one-time financial transactions, including one or more computer hosts and a storage device, the one or more computer hosts are connected to the storage device, and the storage device implements a data a database, the database records the account information of a plurality of customers and identification information that can identify the identity of the customers, and the server system is used to manage the financial transactions among the plurality of customers; Wherein, in the server system, a one-time multi-person transaction request is received from an application program executed by a user device, which includes an identification data that can identify multiple people, and then according to the identification of the identifiable multiple people Data query the database to obtain the account information of each of the multiple people, and then send the account information of the multiple people to the user device that issued the one-time multi-person transaction request, when receiving a transaction instruction from the user device , that is, the transaction instruction is executed, and the transaction instruction is to execute the transfer to the multi-person, or to receive money from the multi-person, that is, to complete the multi-account one-time financial transaction. The multi-account one-time financial transaction system according to claim 1, wherein the one or more computer hosts include: an identity recognition module, which analyzes and recognizes the identity information of the multiple people sent by the user device to obtain the identity information of the multiple people; an account query module for querying the corresponding account information in the database according to the identity information of each of the multiple people; and A transaction execution module is used for executing the transaction instruction between the accounts of the multiple people sent by the user device. The multi-account one-time financial transaction system as claimed in claim 1, wherein the identification data that can identify the identities of multiple people are images generated by shooting multiple people using the user device, and in the server system, an image recognition technology is used to obtain the image recognition technology. The biometric characteristics of multiple people are compared with the biometric characteristics recorded in the database corresponding to the account information of the multiple customers, and the account information of each person is obtained. The multi-account one-time financial transaction system according to claim 3, wherein, in the user device, a biometrics acquisition interface is activated for acquiring images including multiple persons, acquiring face images of each person one by one, and uploading them. the servo system. The multi-account one-time financial transaction system according to claim 1, wherein the identification data that can identify multiple people is to use the user device to record voiceprints generated by multiple people, and in the server system, use a voiceprint recognition technology The biometrics of the multiple persons are obtained for querying the database to derive account information for each individual. The multi-account one-time financial transaction system according to claim 5, wherein in the user device, a biometric acquisition interface is activated for recording voice signals including multiple people and uploading to the server system. The multi-account one-time financial transaction system according to any one of claims 1 to 6, wherein the application program executed in the user device initiates a transfer interface for transferring funds to the multiple persons, and when the application is obtained from the server system When the account information of multiple people is used, the account information of the multiple people is displayed on the transfer interface one by one. After inputting the amount to be transferred to each individual, the transaction instruction is sent to the server system through the transfer interface to complete the multi-account one-time method. financial transactions. The multi-account one-time financial transaction system according to any one of claims 1 to 6, wherein the application program executed in the user device starts from a payment interface of the multi-person payment collection, and when the application is executed from the server system When acquiring the account information of the multiple persons, the account information of the multiple persons is displayed on the payment interface one by one, and after inputting the amount of the payment received from each person, the transaction instruction is sent to the server system through the payment interface, The multi-account one-time financial transaction is completed by notifying the multi-person by the server system to receive money from the multi-account information. The multi-account one-time financial transaction system according to claim 8, wherein when the server system receives the one-time multi-person transaction request from the user device to collect money from the multi-person, in addition to querying the database to obtain the multi-person In addition to the account information of each person in the system, the communication information of the multi-person is also obtained to send the payment message to the multi-person.

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