TWM638446U - Actively reminded financial transaction system - Google Patents

Abstract

An active reminder financial transaction system is suitable for an electronic device to log in with a user identification code and automatically send a transaction reminder notification to the electronic device. The financial transaction system includes a financial transaction server and a notification server. Wherein, a transaction analysis module of the financial transaction server can generate a reminder item with a periodic reminder time according to the time of a transaction behavior and a reminder rule, and a transaction reminder module sends the reminder item to The notification server, and the notification server sends the transaction reminder notification to the electronic device corresponding to the user identification code according to the reminder item.

Description

Actively reminded financial transaction system

The present invention relates to a financial transaction system, in particular to a financial transaction system that actively reminds.

When a user conducts a financial transaction, one of the common situations is that the user must periodically remit the amount to a specific account. Taking an enterprise legal person as an example, it may be the electricity bill, payment for goods, authorization fee, etc. that are allocated regularly, and the existing financial transaction platform Although the user can manually set the periodic notification of financial transactions, if the user omits or makes a mistake in setting, the user may forget or miss the remittance amount to a specific account when the periodic remittance date expires.

Therefore, the purpose of the present invention is to provide a financial transaction system that actively reminds.

Therefore, the present model is suitable for an electronic device to log in with a user identification code, and automatically sends a transaction reminder to the electronic device. The financial transaction system It includes a financial transaction server and a notification server.

The financial transaction server is connected to the electronic device through the network, and includes a transaction execution module, a transaction analysis module, and a transaction reminding module. The transaction execution module can be controlled by the electronic device to perform a transaction on an account balance. The transaction analysis module generates a reminder item with a periodic reminder time according to the time of the transaction behavior and a reminder rule. The transaction reminder module is used to record the reminder item, and can be controlled by the electronic device to switch between an open state and an off state.

The notification server is electrically connected to the financial transaction server and connected to the electronic device through a network. When the transaction reminder module of the financial transaction server is in the open state, the transaction reminder module sends the reminder item to the notification server at the periodic reminder time, and the notification server sends the transaction according to the reminder item The reminder is sent to the electronic device corresponding to the user identification code.

Preferably, the reminder rule of the transaction analysis module is to judge that if the user identification code periodically and repeatedly remits a transaction amount from the balance of the account to a receipt within a specified time before the time of the transaction. deposit account, the reminder item will be generated.

Preferably, the transaction is one of a currency transfer transaction, a currency remittance transaction, a foreign currency transfer transaction, and a foreign currency remittance transaction.

Preferably, when the reminder rule of the transaction analysis module generates the reminder item, the reminder item further records that the transaction behavior is one of a currency transfer transaction, a currency remittance transaction, a foreign currency transfer transaction, and a foreign currency remittance transaction. one.

Preferably, when the transaction reminder module of the financial transaction server is in the off state, the transaction reminder module stops sending the reminder item to the notification server at the periodic reminder time.

The effect of the new model is that the financial transaction system can automatically analyze the user's transaction behavior without the need for the user to pre-set the reminder rules, and automatically generate reminder items, and send out the transaction reminder notification at the monthly cycle reminder time To the electronic device, it is used to actively remind the user to deal with periodic and important transaction behaviors.

1: Electronic device

2: Financial transaction server

21: Transaction Execution Module

22: Transaction analysis module

23: Transaction reminder module

3: Notify the server

4: Network

Other features and functions of the present invention will be clearly presented in the implementation manner with reference to the drawings, wherein: FIG. 1 is a system block diagram of an embodiment of the present invention.

Referring to Fig. 1, the embodiment of the financial transaction system of the novel active reminder is suitable for an electronic device 1 to log in with a user identification code, and automatically send a transaction reminder notification to the electronic device 1, the financial transaction system includes a A financial transaction server 2 and a notification server 3 .

Wherein, the electronic device 1 may be a personal computer or a mobile device, such as a mobile phone, a tablet computer, etc., but not limited thereto. And this financial transaction server 2 and this notification server 3 are all computer server mainframes, both of which can be independently served as two computers respectively. The server hosts operate independently, or can be integrated into a single computer server host to provide services corresponding to the financial transaction server 2 and the notification server 3 . In this embodiment, the user identification code is a unified number of an enterprise legal person, but it is not limited thereto, and may also be a unique identification code representing a user, such as a cell phone number.

The electronic device 1 is equipped with an application program, which can not only be operated by the user to conduct transactions in the foreground, but also can run in the background and receive transaction reminder notifications from the financial transaction system, and display the transaction reminder notifications on the screen of the electronic device 1 .

The financial transaction server 2 is connected to the electronic device 1 through a network 4, wherein the network 4 is the Internet. The financial transaction server 2 includes a transaction execution module 21, a transaction analysis module 22, and a transaction reminder module 23, these modules can be hardware circuit boards, or can be stored in a memory A software program for a central processing unit.

When the user operates the application program of the electronic device 1 to perform remittance or transfer, the electronic device 1 controls the transaction execution module 21 to perform a transaction on an account balance. Wherein, the transaction behavior may be to execute a one-dollar transfer transaction, a one-dollar remittance transaction, a foreign currency transfer transaction, or a foreign currency remittance transaction. In this embodiment, the user executes a Taiwan dollar transfer transaction.

The transaction analysis module 22 generates a reminder item with a periodic reminder time according to the time of the transaction behavior and a reminder rule. Wherein, the reminder rule is based on a specified time before the time of the transaction, to determine if the user identification code is periodically If a transaction amount is repeatedly remitted from the balance of the account to a receiving account, the reminder item is generated.

For example, an enterprise user logs in to the financial transaction server 2 with his user identification code (such as a unified number) through the electronic device 1, and periodically conducts Taiwan dollar transfer transactions on the 25th of each month from January 2022. The transaction amount (such as 100,000 yuan) has been sent to the same receiving account A for the specified period of time (such as 4 months). When the receiving account A is the same, the transaction analysis module 22 determines that the periodic transaction behavior meets the reminder rules, and therefore automatically generates a transaction with the parameters "periodic reminder time: 25th of each month", "transaction behavior: Taiwan dollar transfer Transaction" and "receiving account: A" reminder items, and record to the transaction reminder module 23.

The transaction analysis module 22 can allow a deviation value (Offset) when analyzing the periodicity, that is to say, the user periodically closes the day of the first month on a certain day in each month for several consecutive months, such as January 25 day (the first month), February 23 (the second month), March 26 (the third month), April 24 (the fourth month), the execution of the trading behavior will also be judged to meet the The reminder rule is generated as the reminder item, and the day of the cycle reminder time will be set to the day of the first month, that is, the 25th.

It is particularly noted that this embodiment is an example of a single user operating a single electronic device 1, but in fact the financial transaction system can also be operated by multiple users using their own electronic devices 1, and correspondingly record the records of multiple different users. Multiple reminder items.

The transaction reminder module 23 is used to record the reminder items generated by the transaction analysis module 22, and can be controlled by the application program of the electronic device 1 to switch between an on state and an off state. When the transaction reminder module 23 of the financial transaction server 2 is in the open state, the transaction reminder module 23 sends the reminder item to the notification server 3 at the periodic reminder time (such as the 25th of each month), and the The notification server 3 then sends the transaction reminder notification to the electronic device 1 corresponding to the user identification code according to the reminder item.

When the transaction reminder module 23 of the financial transaction server 2 is in the off state, the transaction reminder module 23 stops sending the reminder item to the notification server 3 at the periodic reminder time. Since the reminder items in this embodiment are generated automatically rather than artificially set, when the user does not want to receive transaction reminder notifications, he can manually set the transaction reminder module 23 to be off to avoid being disturbed.

The notification server 3 is electrically connected to the financial transaction server 2 and connected to the electronic device 1 through a network 4, wherein the network 4 is the Internet. According to the communication technology adopted by the application program of the electronic device 1, the notification server 3 can be set correspondingly. Connect to the SMS host (not shown) of the telecommunications company to send the transaction reminder notification; if the application program receives instant messages (Instant Message) based on IP location (Internet Protocol Address), then the notification server 3 is set to direct Sending a transaction reminder notification in the form of a network packet to the electronic device 1 . Whether it's a text message or an instant message All information can be accepted by the application program of the electronic device 1, and the transaction reminder notification is displayed on the screen of the electronic device 1.

To sum up, without the need for users to pre-set reminder rules, the new financial transaction system can automatically analyze the user's transaction behavior, automatically generate reminder items, and send out the transaction at the monthly cycle reminder time The reminder is sent to the electronic device 1 to prevent the user from missing periodic and important transactions. Therefore, can really reach the purpose of this novel.

But the above-mentioned ones are only embodiments of the present invention, and should not limit the scope of implementation of the present invention with this. All simple equivalent changes and modifications made according to the patent scope of the present application and the content of the patent specification are still within the scope of the present invention. Within the scope covered by this patent.

1: Electronic device

2: Financial transaction server

21: Transaction Execution Module

22: Transaction analysis module

23: Transaction reminder module

3: Notify the server

4: Network

Claims (5)

A financial transaction system with active reminders is suitable for an electronic device to log in with a user identification code, and automatically sends a transaction reminder notification to the electronic device. The financial transaction system includes: A financial transaction server connected to the electronic device through the network, including: a transaction execution module, which can be controlled by the electronic device to perform a transaction on an account balance, A transaction analysis module, which generates a reminder item with a periodic reminder time according to the time of the transaction behavior and a reminder rule, and A transaction reminder module, used to record the reminder item, and can be controlled by the electronic device to switch between an open state and an off state; and a notification server electrically connected to the financial transaction server and connected to the electronic device through the network, When the transaction reminder module of the financial transaction server is in the open state, the transaction reminder module sends the reminder item to the notification server at the periodic reminder time, and the notification server sends the transaction according to the reminder item The reminder is sent to the electronic device corresponding to the user identification code. The financial transaction system for proactive reminders as described in claim 1, wherein the reminder rule of the transaction analysis module is based on a specified time before the transaction behavior, and it is determined that if the user identification code is periodically repeated from The reminder item is generated when the account balance remits a transaction amount to a beneficiary account. The financial transaction system with active reminders as described in Claim 2, wherein the transaction behavior is to execute one of a currency transfer transaction, a currency remittance transaction, a foreign currency transfer transaction, and a foreign currency remittance transaction. The financial transaction system that actively reminds as described in claim item 3, wherein, when the reminder rule of the transaction analysis module generates the reminder item, the reminder item further records that the transaction behavior is to execute a one-dollar transfer transaction, a one-dollar remittance transaction, One of a foreign currency transfer transaction and a foreign currency remittance transaction. The active reminder financial transaction system as described in claim 1, wherein, when the transaction reminder module of the financial transaction server is in the off state, the transaction reminder module stops sending the reminder item to the reminder at the periodic reminder time Notify the server.

Images