TWM650595U - System for setting designated account for inward transfer - Google Patents

Abstract

A system for setting a designated account for inward transfer includes an account verification server, a service side server and a service side electronic device. The service side electronic device is communicatively connected to the account verification server and is coupled to the service side server. The service side electronic device generates an account inquiry request and transmits the account inquiry request to the account verification server, and the account verification server verifies whether the account inquiry request is correct. When verifying that the account inquiry request is correct, the account verification server outputs financial account data according to the account inquiry request and transmits the financial account data to the service side electronic device. The service side electronic device selects at least one other bank financial account from the financial account data and transmits the at least one added account to the service side server. The service side server sets the at least one other bank financial account as at least one designated account.

Description

Agree to transfer to the account setting system

The present invention relates to a financial business system, and particularly refers to an agreed transfer account setting system for verifying and integrating a customer's original account number and another bank's financial account number.

General financial users often have multiple financial accounts for different purposes. When a financial user wants to increase the transfer amount of another financial account from one of the financial account settings, he usually has to contact the financial institution in person to apply for the agreed account business. When applying, financial users need to provide the financial account number corresponding to the agreed account number, and then the service personnel of the financial institution will enter the system settings. However, during the processing process, it may happen that a financial user provides an incorrect financial account number or a financial institution service staff enters an incorrect financial account number and needs to be corrected, resulting in poor processing efficiency.

The purpose of this new model is to provide an agreed transfer account setting system that can provide correct account information in a secure state, thereby improving the smoothness and efficiency of the workflow for applying for an agreed account.

According to the above purpose, the present invention proposes a contract transfer account setting system, which includes an account verification server, a server server and a server electronic device. The server electronic device communicates with the account verification server and is coupled with the server server. When the server electronic device generates query account information and sends it to the account verification server, the account verification server verifies the correctness of the query account information, where the query account information contains customer information. When the account verification server verifies that the query account information is correct, the account verification server outputs financial account data corresponding to the customer information based on the query account information and transmits it to the server electronic device. The server electronic device selects at least one other bank's financial account from the financial account information according to the selection operation, and transmits at least one other bank's financial account and customer information to the server server. The server server sets at least one other bank's financial account as at least one agreed transfer account of the customer's financial account corresponding to the customer information.

According to an embodiment of the present invention, the account verification server's verification of the correctness of the query account information includes: the account verification server generates a verification pass condition when receiving the query account information; the server electronic device sends the verification result to the account verification server; and the account number The verification server confirms whether the verification result meets the verification pass conditions. When the verification result meets the verification pass conditions, the account verification server verifies that the query account information is correct.

According to an embodiment of the present invention, the account verification server is communicatively connected to the client electronic device. When the account verification server generates the verification pass condition, it sends the verification pass condition to the client electronic device corresponding to the customer information.

According to an embodiment of the present invention, the verification pass condition is sent by the account verification server through SMS.

According to an embodiment of the present invention, the verification pass condition is sent by the account verification server via email.

According to an embodiment of the present invention, the verification passing condition is a one-time password (OTP).

According to an embodiment of the present invention, the account verification server includes a financial account database, and when receiving the query account information, the account verification server compares the query account information with the financial account database to find out from the financial account database Financial account information corresponding to customer information.

According to an embodiment of the present invention, the server server includes a customer database, and when receiving at least one other bank's financial account and customer information, the server server compares the customer information with the customer database to obtain the information from the customer database. Find the list of agreed transfer accounts corresponding to the customer information, and update the list of agreed transfer accounts with at least one other bank's financial account number.

According to an embodiment of the present invention, the customer information includes an ID card number.

According to an embodiment of the present invention, the server electronic device includes an input device. The input device serves as an input interface for providing verification results.

Embodiments of the present invention are discussed in detail below. It is to be appreciated, however, that the embodiments provide many applicable concepts that can be embodied in a wide variety of specific contexts. The embodiments discussed and disclosed are for illustration only and are not intended to limit the scope of the present invention.

The terms used herein are for the purpose of describing specific embodiments only and are not intended to limit the scope of the patent application. Unless otherwise restricted, the singular form "a" or "the" may also be used to denote the plural form.

FIG. 1 is a block diagram of a transfer account setting system 100 according to some embodiments of the present invention. The agreed transfer account setting system 100 can improve the smoothness and efficiency of the process of applying for an agreed account by financial users and financial customer service terminals. The agreed transfer account setting system 100 includes an account verification server 110, a server server 120 and a server electronic device 130. The agreed transfer account setting system 100 is applicable to the client electronic device 200 . The client electronic device 200 may be a portable electronic device held by a financial user, such as a smart phone, a tablet or a similar electronic device, and has the function of connecting to the Internet. In this example, the account verification server 110 connects to the client electronic device 200 via the Internet.

The account verification server 110 includes a financial account database 111. The financial account database 111 is used to store multiple pieces of personal financial account information, where each piece of personal financial account information includes personal identity information, personal contact information and at least one personal account number. For example, the multiple pieces of personal financial account information contained in the financial account database 111 are account opening information from financial institutions across the country, where the financial institutions are, for example, banks or post offices. Each personal financial account information corresponds to the personal identity information, personal contact information and all personal accounts of a person who has opened an account. The personal contact information is the mobile phone number and/or email address of the person who has opened an account, and the personal account is the financial account number.

The server server 120 includes a customer database 121 . The customer database 121 contains multiple pieces of customer financial account information, where each piece of customer financial account information includes customer identity information and a customer financial account number. For example, the multiple customer financial account information contained in the customer database 121 is the account opening and agreed transfer account information of a certain financial institution. A piece of customer financial account information corresponds to the customer identity information and customer financial account number of an account holder at this financial institution, where the customer financial account number is the financial account number for opening the account and the agreed transfer account number.

The server electronic device 130 may be, for example, a desktop computer, which has the function of connecting to the Internet. The server electronic device 130 includes an input device 131 . The input device 131 may be, for example, an input interface such as a mouse, a keyboard, or a touch screen. The server electronic device 130 is connected to the account verification server 110 via Internet communication and is coupled to the server server 120 . For example, the server electronic device 130 can be connected to the server server 120 via Internet communication, or directly electrically connected to the server server 120.

The process for financial users to apply for financial services agreed to be transferred to an account at a financial institution is as follows.

First, the server electronic device 130 generates query account information and sends it to the account verification server 110, where the query account information includes customer information, such as ID card number. For example, when a financial user applies for an agreed account service with a financial institution service staff, the financial institution service staff operates the server electronic device 130, such as using the input device 131 to input the financial user's ID number on the account inquiry web page.

Next, when receiving the query account information, the account verification server 110 verifies whether the query account information is correct.

Specifically, the account verification server 110 generates verification pass conditions when receiving the query account information, and transmits the verification pass conditions to the client electronic device 200 corresponding to the customer information. The account verification server 110 finds the personal identity information and personal contact information corresponding to the customer information from the financial account database 111, and sends the verification pass conditions to the client electronic device 200 in the form of text messages and/or emails. Further, the verification passing condition is a one-time password (OTP). This one-time password is a randomly generated password and will become invalid after a specific period of time, such as 10 minutes. The client electronic device 200 receives and displays the verification pass condition, and at the same time, the server electronic device 130 displays a screen for inputting the verification code. Then, the financial user provides the verification passing conditions displayed on the client electronic device 200 to the financial institution service personnel. The service staff of the financial institution operates the input device 131 of the server electronic device 130 to transmit the verification result to the account verification server 110. This verification result is the verification passing condition (one-time password) displayed on the client electronic device 200. Next, the account verification server 110 receives the verification result and confirms whether the verification result meets the transmitted verification pass condition. When the verification result meets the verification pass conditions, the account verification server 110 verifies that the queried account information is correct; conversely, when the verification result does not meet the verification pass conditions, the account verification server 110 verifies that the queried account information is incorrect.

When the account verification server 110 verifies that the query account information is correct, the account verification server 110 outputs financial account information corresponding to the customer information based on the query account information, and transmits it to the server electronic device 130 .

Specifically, when receiving the query account information, the account verification server 110 compares the query account information with the financial account database 111 to find the corresponding customer from the identity information of multiple personal financial account data in the financial account database 111 The identity information of the information is retrieved, and the personal financial account information corresponding to the found identity information is set as financial account information, and the financial account information is sent to the server electronic device 130 .

Then, the server electronic device 130 receives and displays the financial account information, selects at least one other bank's financial account from the financial account information according to the selection operation, and transmits at least one other bank's financial account and customer information to the server server 120 . For example, the service personnel of the financial institution learn all the financial account numbers of the financial user from the financial account information displayed on the server electronic device 130 . Therefore, the service personnel of the financial institution can directly ask the financial user about the financial account number that he wants to add and perform a selection operation on the server electronic device 130 to select the agreed transfer account that he wants to add. In this way, financial users can avoid providing wrong financial account numbers, or financial institution service personnel input wrong financial account numbers, etc. Afterwards, the service staff of the financial institution operates the server electronic device 130 to transmit the selected financial account number and customer information of the other bank to the server server 120 .

Next, the server server 120 receives at least one other bank's financial account and customer information, and sets at least one other bank's financial account as at least one agreed transfer account of the customer's financial account corresponding to the customer information.

Specifically, when receiving at least one other bank's financial account and customer information, the server server 120 compares the customer information with the customer database 121 to find out the corresponding customer financial account information from the customer database 121. The agreed transfer of customer information to the account list. The server server 120 then updates the found agreement with the received at least one other bank's financial account number into the account list, that is, stores the received at least one other bank's financial account number as a new customer financial account number, thereby completing the new agreement. Transfer account. Therefore, in the customer database 121 of the financial institution, the customer financial account information corresponding to the financial user has already stored the agreed transfer account that the financial user wants to add.

To sum up, when a financial user handles the business of agreeing on another bank's financial account, the agreed transfer account setting system 100 directly provides all the financial user's accounts for the financial user to select, and directly stores and adds the selected other bank's financial account. This process does not require financial users to provide financial account numbers from other banks, nor does it require financial institution service personnel to enter financial account numbers from other banks themselves. This can avoid human errors and improve the smoothness and efficiency of the overall work process. At the same time, during the data transmission process, by using a one-time password to verify the accuracy of the data, the data can be transmitted in an information secure state.

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

100: Agree to transfer to the account setting system 110:Account verification server 111: Financial account database 120:Server server 121:Customer database 130:Server electronic device 131:Input device 200:Client electronic device

For a more complete understanding of the embodiments and their advantages, reference is now made to the following description taken in conjunction with the accompanying drawings, in which: Figure 1 is a block diagram of a transfer account setting system according to some embodiments of the present invention.

100: Agree to transfer to the account setting system

110:Account verification server

111: Financial account database

120:Server server

121:Customer database

130:Server electronic device

131:Input device

200:Client electronic device

Claims (10)

An agreed transfer account setting system, including: An account verification server; a server server; and A server electronic device that communicates with the account verification server and is coupled to the server server; Wherein, when the server electronic device generates an inquiry account information and transmits it to the account verification server, the account verification server verifies the correctness of the inquiry account information, wherein the inquiry account information has a customer information; Wherein, when the account verification server verifies that the inquiry account information is correct, the account verification server outputs a financial account information corresponding to the customer information based on the inquiry account information, and transmits it to the server electronic device, and then the service The terminal electronic device selects at least one other bank's financial account from the financial account information according to a selection operation, and transmits the at least one other bank's financial account and the customer information to the server server, and then the server server settings The at least one other bank's financial account is at least one agreed transfer account of a customer's financial account corresponding to the customer information. The agreement as described in request item 1 is transferred to the account setting system, wherein the account verification server verifies the correctness of the query account information including: The account verification server generates a verification pass condition when receiving the query account information; The server electronic device sends a verification result to the account verification server; and The account verification server confirms whether the verification result meets the verification pass condition. When the verification result meets the verification pass condition, the account verification server verifies that the query account information is correct. The agreement described in claim 2 is transferred to the account setting system, wherein the account verification server is connected to a client electronic device, and when the account verification server generates the verification pass condition, it sends the verification pass condition to the corresponding customer information. The client electronic device. The agreement as described in request item 2 is transferred to the account setting system, wherein the verification passing condition is sent by the account verification server through an SMS. The agreement as described in request item 2 is transferred to the account setting system, wherein the verification passing condition is sent by the account verification server through an email. Transfer to the account setting system as agreed in request item 4 or 5, where the verification pass condition is a one-time password (OTP). The agreement as described in request item 1 is transferred to the account setting system, wherein the account verification server includes a financial account database, and when receiving the inquiry account information, the account verification server compares the inquiry account information with the financial account information. Account database to find the financial account information corresponding to the customer information from the financial account database. The agreed transfer account setting system as described in request item 1, wherein the server server includes a customer database, and the server server compares the at least one other bank's financial account number and the customer information when receiving it. The customer information and the customer database are used to find a list of agreed transfer accounts corresponding to the customer information from the customer database, and the list of agreed transfer accounts is updated with the at least one other bank's financial account number. The agreement as described in request item 1 is transferred to the account setting system, where the customer information includes an ID card number. The contract transfer account setting system as described in claim 1, wherein the server electronic device includes an input device, and the input device serves as an input interface for providing the verification result.

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