TWM633609U - Remittance system based on contact information of payee - Google Patents

Abstract

A remittance system based on contact information of payee is provided, which includes a storage circuit and a processor. The storage circuit stores a program code. The processor is coupled to the storage circuit and accesses the program code for performing: Obtaining contact information of a payee and transfer amount set by a payer; sending a notification message to the payee according to the contact information; in response to determining that the payee has passed the verification through the notification message, acquiring transfer account information of the payee based on a input operation of the payee; and performing a transfer transaction for the payee and the payer according to the transfer account information of the payee and the transfer amount.

Description

Remittance system based on the recipient's contact information

The present invention relates to a remittance system, and in particular to a remittance system based on the contact information of the payee.

With the popularization of mobile Internet banking, users have become more and more accustomed to online transfer operations. In addition, with the popularity of online shopping, the frequency of online transfers is also increasing. When performing an online transfer, the payee often needs to provide a long list of transfer account numbers to the payer, and then the payer enters the aforementioned transfer account number in the online transfer interface to complete the transfer transaction. Generally speaking, the transfer account number is a string of numbers that is not easy to remember. If either the payee or the payer makes a mistake or wrongly registers the transfer account number, it will lead to transfer failure or transfer error. In addition, the payee also runs the risk of exposing his account information.

In view of this, the present invention provides a remittance system based on the contact information of the payee, which can be used to solve the above technical problems.

The present invention provides a remittance system based on the contact information of the payee, including a storage circuit and a processor. The storage circuit stores a program code. The processor is coupled to the storage circuit and accesses the program code to execute: obtain the contact information and transfer amount of the payee set by the payer; send a notification message to the payee according to the contact information; respond to the determination of the payee through the The notification message is verified, and the transfer account information of the payee is obtained based on the input operation of the payee; and the transfer transaction is executed for the payee and the payer according to the transfer account information and the transfer amount of the payee.

In an embodiment of the present invention, the contact information includes an email account, a mobile phone number, or a communication software account, and the notification message includes an email, a phone short message, or a communication software message.

In an embodiment of the present invention, the processor is further configured to: obtain the verification questions and verification answers set by the payer; respond to the hyperlink or barcode provided by the payee through the notification message to link to the verification interface, and pass the verification The verification question is displayed on the interface; the answer input by the payee is received through the verification interface; and when the answer input by the payee matches the verification answer, it is determined that the payee passes the verification through the notification message.

In an embodiment of the present invention, the answer input by the payee includes text, voice or graphics.

In an embodiment of the present invention, the processor is further configured to: provide a remittance information input interface, so that the payee can set the payee's contact information, transfer amount, verification question and verification answer through the remittance information input interface.

In an embodiment of the present invention, the processor is further configured to determine that the payee is not verified in response to the answer input by the payee not matching the verification answer.

In an embodiment of the present invention, the processor is further configured to: in response to determining that the payee is not verified, send a transfer error notification to the payer, so as to inform the payer that the transfer transaction has not been executed.

In an embodiment of the present invention, the transfer account information of the payee includes the code of the transfer-in financial institution and the transfer account number, and the processor is further configured to: in response to determining that the payee has passed the verification through the notification message, Provide multiple candidate financial institutions for the payee to choose through the bank selection interface; respond to the payee's choice of transfer from a candidate financial institution to a financial institution, request the payee to log in to the Internet bank or mobile bank of the transfer financial institution; respond to The payee successfully logs in to the internet bank or mobile bank of the financial institution, and requests the payee to set up a transfer account.

Based on the above, the present disclosure can execute the transfer transaction through the contact information of the payee, and perform verification based on the verification question and answer set by the payer, making the transfer transaction more convenient and safe.

Please refer to FIG. 1 , which is a schematic diagram of a remittance system based on a payee's contact information according to an embodiment of the present invention. In FIG. 1 , the remittance system 100 can be implemented as one or more server devices. In addition, the remittance system 100 may be implemented by a server of a financial institution, or by servers of multiple financial institutions, but is not limited thereto.

As shown in FIG. 1 , the remittance system 100 based on the contact information of the payee may include a storage circuit 102 and a processor 104 . The storage circuit 102 is, for example, any type of fixed or removable random access memory (Random Access Memory, RAM), read-only memory (Read-Only Memory, ROM), flash memory (Flash memory), hard A disc or other similar device or a combination of these devices can be used to record multiple codes or modules.

The processor 104 is coupled to the storage circuit 102 and may be a general purpose processor, a special purpose processor, a conventional processor, a digital signal processor, a plurality of microprocessors, one or more combined digital signal processing Microprocessors, controllers, microcontrollers, application specific integrated circuits (Application Specific Integrated Circuit, ASIC), field programmable gate array circuits (Field Programmable Gate Array, FPGA), any other kind of integrated circuit , state machines, Advanced RISC Machine (ARM) based processors, and the like.

In some embodiments of the present invention, the device implementing the remittance system 100 may also have a network component (not shown), so that the remittance system 100 has the ability to be connected to the network. For example, the aforementioned wired Ethernet module, etc., but not limited thereto.

In the embodiment of the present invention, the payer U1 can transfer money to the payee U2 by operating the electronic device 200 according to the contact information of the payee U2, and the payee U2 can deposit money into the payee U2 by operating the electronic device 300 to the designated bank account. In more detail, the electronic device 200 and the electronic device 300 can be connected to the remittance system 100 via a wired network or a wireless network. The electronic device 200 and the electronic device 300 are, for example, smart phones, notebook computers, tablet computers (tablets), desktop computers, or automatic teller machines (Automated Teller Machine, ATM), etc., but are not limited thereto. The electronic device 200 can provide the contact information C1 and the transfer amount M1 of the payee U2 to the remittance system 100 via the network, and the remittance system 100 can send a notification message E1 to the electronic device via the network according to the contact information C1 of the payee U2 300. If the payee U2 passes the verification through the notification message E1 , the electronic device 300 will provide the transfer account information Info1 of the payee U2 to the remittance system 100 . Therefore, the remittance system 100 can execute the transfer transaction for the payee U2 and the payer U1 according to the transfer account information Info1 of the payee U2 and the transfer amount M1, and transfer the money of the payer U1 to the bank designated by the payee U2 account.

In the embodiment of the present invention, the processor 104 can access the modules and program codes recorded in the storage circuit 102 to realize the remittance method based on the contact information of the payee proposed in the present invention, and the details are as follows.

Please refer to FIG. 2 , which is a flowchart of a remittance method based on the contact information of the payee according to an embodiment of the present invention. The method of this embodiment can be executed by the bank remittance system 100 in FIG. 1 , and the details of each step in FIG. 2 will be described below with the components shown in FIG. 1 .

In step S210, the processor 104 obtains the contact information C1 and the transfer amount M1 of the payee U2 set by the payer U1. In some embodiments of the present invention, the contact information C1 may include an email account, a mobile phone number or a communication software account.

In some embodiments of the present invention, the processor 104 can provide a remittance information input interface, so that the payer U1 can set the contact information C1 and the transfer amount M1 of the payee U2 through the remittance information input interface. Specifically, after the payer U1 logs into the internet banking or mobile banking through the electronic device 200, the payer U1 can set the contact information C1 and transfer amount of the payee U2 on the remittance information input interface provided by the internet banking or mobile banking M1. In this way, the processor 104 can obtain the contact information C1 and the transfer amount M1 of the payee U2 set by the payer U1.

In addition, in some embodiments of the present invention, the processor 104 can also obtain the verification question VQ1 and the verification answer VA1 set by the payer U1. In other words, the processor 104 can provide a remittance information input interface, so that the payer U1 can set the contact information C1 of the payee U2, the transfer amount M1, the verification question VQ1 and the verification answer VA1 through the remittance information input interface.

In step S220, the processor 104 sends a notification message E1 to the payee U2 according to the contact information C1. In some embodiments of the present invention, the notification message E1 is a transfer notification notifying the payee U2, and the content of the notification message E1 may include the name of the payer U1 and so on. In this way, the payee U2 can know that there is a transfer from the payer U1 through the notification message E1. The notification message E1 may include email, phone message or communication software message. For example, when the payer U1 provides the email account number of the payee U2 to the remittance system 100, the remittance system 100 will send an email including a hyperlink or a barcode to the payee U2. When the payer U1 provides the mobile phone number of the payee U2 to the remittance system 100, the remittance system 100 will send a text message including a hyperlink or a barcode to the payee U2. Alternatively, when the payer U1 provides the payee U2's communication software account number to the remittance system 100, the remittance system 100 will send a communication software message including a hyperlink or a barcode to the payee U2.

In addition, in some embodiments of the present invention, the payee U2 can be verified through the notification message E1. Specifically, the payee U2 can click the hyperlink in the notification message E1 or scan the Quick Response Code (QRcode) in the notification message E1 to link to a verification interface for verification. In other words, when the electronic device 300 receives the user operation of the payee U2 clicking the hyperlink in the notification message E1 , the electronic device 300 will link to a verification interface provided by the remittance system 100 . After the electronic device 300 is connected to the verification interface provided by the remittance system 100, the processor 104 can determine whether the verification information input by the payee U2 on the verification interface through the electronic device 300 is correct, so as to determine whether the payee U2 passes the verification.

It is worth mentioning that, in some embodiments of the present invention, after the payer U1 sets the verification question VQ1 and the verification answer VA1 through the electronic device 200, it responds to the hyperlink or barcode link provided by the payee U2 through the notification message E1 To the verification interface, the processor 104 can display the verification question VQ1 via the verification interface. Next, the processor 104 may receive the answer A1 input by the payee U2 through the verification interface. In the embodiment of the present invention, the answer A1 input by the payee U2 may include text, voice or graphics. In other words, the answer A1 input by the payee U2 can be implemented as text content, voice message or graphic input and so on. Afterwards, the processor 104 judges whether the answer A1 input by the payee U2 is consistent with the verification answer VA1. In response to the fact that the answer A1 input by the payee U2 matches the verification answer VA1, the processor 104 determines that the payee U2 passes the verification through the notification message E1.

For example, when an online buyer wants to transfer money to an online seller, the verification question VQ1 set by the online buyer may be a question about purchasing goods. Correspondingly, the verification answer is, for example, the purchased quantity, purchased product model or product size, and the like. Correspondingly, if the online seller can correctly answer the question about the purchase of goods, the processor 104 may determine that the online seller has passed the verification because the verification answer VA1 set by the online buyer is the same as the answer A1 answered by the online seller. verify.

Alternatively, in other embodiments, the processor 104 may determine whether the password information input by the payee U2 on the verification interface matches the password previously set by the payer U1, so as to determine whether the payee U2 passes the verification. The above-mentioned password can be notified to the payee U2 by the payer U1 orally or by other means.

In an embodiment of the present invention, in response to the fact that the answer A1 input by the payee U2 does not match the verification answer VA1 , the processor 104 determines that the payee U2 has not passed the verification. In response to determining that the payee U2 has not passed the verification, the processor 104 sends a transfer error notification to the payer U1 to inform the payer U1 that the transfer transaction has not been executed. That is to say, when the answer A1 input by the payee U2 does not match the verification answer VA1, the electronic device 200 may receive a transfer error notification, so that the payer U1 may know that the transfer transaction has not been successfully executed. Based on this, through the setting of the verification question VQ1 and the verification answer VA1, the identity of the payee U2 can be effectively verified. Even if the electronic device 300 of the payee U2 is stolen or used secretly, the illegal person cannot answer the verification question VQ1 correctly and fail to pass the verification, thus preventing the money from being transferred to the account designated by the illegal person.

Afterwards, in step S230 , in response to determining that the payee U2 has passed the verification through the notification message E1 , the processor 104 obtains the transfer account information Info1 of the payee U2 based on the input operation of the payee U2 . In some embodiments, the processor 104 can provide an input interface for the transfer account information, so that the verified payee U2 can provide the transfer account information Info1 of the payee U2 to the remittance system 100 by itself through an input operation.

In some embodiments of the present invention, the transfer account information Info1 of the payee U2 includes the transfer-in financial institution code and the transfer account number. In response to determining that the payee U2 has passed the verification through the notification message, the processor 104 provides a plurality of candidate financial institutions for the payee U2 to choose through the bank selection interface. Specifically, the processor 104 may provide a bank selection interface to the payee U2, and the payee U2 may select a transfer-in bank from multiple candidate banks in the bank selection interface by issuing an input operation to the electronic device 300 . In response to the payee U2 selecting the transfer-in financial institution from the candidate financial institution, the processor 104 requests the payee U2 to log into the internet bank or mobile bank of the transfer-in financial institution. That is to say, after the payee U2 chooses to transfer to a financial institution, the processor 104 controls the electronic device 300 of the payee U2 to display a login screen of an online bank or a mobile bank. Responding to the fact that the payee U2 has successfully logged into the internet bank or mobile bank of the transfer-in financial institution, the processor 104 requests the payee U2 to set up a transfer account. Specifically, assuming that the payee U2 has multiple accounts in the transfer-in financial institution, the payee U2 can select the transfer account number from the multiple accounts in the online banking interface through the electronic device 300, so as to designate the transfer of money to The transfer account designated by the payee U2.

In step S240, the processor 104 executes a transfer transaction for the payee U2 and the payer U1 according to the transfer account information Info1 and the transfer amount M1 of the payee U2. Specifically, money will be transferred from the transfer-out account of the payer U1 to the transfer account designated by the payee U2. In some embodiments, after the aforementioned fund transfer transaction is completed, the processor 104 may provide a notification of successful fund transfer to the electronic device 200, so that the payer U1 may know that the fund transfer transaction is successfully executed.

To sum up, the remittance system based on the contact information of the payee proposed by the present invention can make the payee and the payer not need to memorize or enter the transfer account, thus greatly improving the convenience of transfer. In addition, through the setting of verification questions and verification answers, it can be ensured that the transfer account is designated by the legitimate payee, thereby improving the security and flexibility of the transfer. In this way, the user's experience of transferring money online can be significantly improved.

Although the present invention has been disclosed above with the embodiments, it is not intended to limit the present invention. Anyone with ordinary knowledge in the technical field can make some changes and modifications without departing from the spirit and scope of the present invention. The scope of protection of the present invention shall be as defined by the scope of the appended patent application.

100: Remittance system 102: storage circuit 104: Processor 200: electronic device 300: electronic device U1: Payer U2: Payee C1: Contact information M1: transfer amount E1: Notification message A1: answer Info1: Transfer account information VQ1: Validation Questions VA1: Verify answer S210~S240: steps

FIG. 1 is a schematic diagram of a remittance system based on a payee's contact information according to an embodiment of the present invention. FIG. 2 is a flow chart of a remittance method based on the payee's contact information according to an embodiment of the present invention.

100: Remittance system

102: storage circuit

104: Processor

200: electronic device

300: electronic device

U1: Payer

U2: Payee

C1: Contact information

M1: transfer amount

E1: Notification message

A1: answer

Info1: Transfer account information

VQ1: Validation Questions

VA1: Verify answer

Claims (8)

A remittance system based on the contact information of the payee, including: a storage circuit storing a program code; and A processor, coupled to the storage circuit and accessing the program code to execute: Obtain the contact information and transfer amount of the payee set by the payer; send a notification message to the payee according to the contact information; Obtaining the transfer account information of the payee based on the input operation of the payee in response to determining that the payee has passed the verification through the notification message; and performing a transfer transaction for the payee and the payer based on the transfer account information of the payee and the transfer amount. The remittance system based on the contact information of the payee as described in claim 1, wherein the contact information includes an email account, a mobile phone number or a communication software account, and the notification message includes an email, a phone message or A communication software message. The remittance system based on the contact information of the payee as described in claim 1, wherein the processor is further configured to: Obtain the verification question and verification answer set by the payer; Responding to the fact that the payee is linked to a verification interface through a hyperlink or a barcode provided by the notification message, the verification question is displayed through the verification interface; receiving the payee-entered answer via the authentication interface; and In response to the fact that the answer input by the payee matches the verification answer, it is determined that the payee has passed the verification through the notification message. The remittance system based on the contact information of the payee as described in Claim 3, wherein the answer input by the payee includes text, voice or graphics. The remittance system based on the contact information of the payee as described in claim 3, wherein the processor is further configured to: Provide a remittance information input interface, so that the payer can set the contact information, the transfer amount, the verification question and the verification answer of the payee through the remittance information input interface. The remittance system based on the contact information of the payee as described in claim 3, wherein the processor is further configured to: In response to the fact that the answer input by the payee does not match the verification answer, it is determined that the payee has not passed the verification. The remittance system based on the contact information of the payee as described in claim 6, wherein the processor is further configured to: In response to determining that the payee has not passed the verification, a transfer error notification is sent to the payer to inform the payer that the transfer transaction has not been executed. The remittance system based on the contact information of the payee as described in claim 1, wherein the transfer account information of the payee includes a transfer-in financial institution code and a transfer account number, and the processor is also configured to: In response to determining that the payee has passed the verification through the notification message, provide a plurality of candidate financial institutions for the payee to choose through a bank selection interface; Responding to the payee selecting the transfer-in financial institution from the candidate financial institutions, requesting the payee to log into the transfer-in financial institution's internet banking or mobile banking; and Responding to the fact that the payee successfully logs in to the network bank or mobile bank of the transfer-in financial institution, request the payee to set up the transfer account.

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