TWM651860U - Anti-fraud warning system - Google Patents

Abstract

An anti-fraud warning system includes a financial institution server device and a payee account inquiry device. The server device of the financial institution is connected to the electronic device of a remitter to execute a remittance action. The payee account query device is connected to the financial institution server device to obtain the payee account number of the remittance action.

Description

Anti-fraud warning system

The present invention relates to an anti-fraud warning system before mobile online banking remittance.

Frauds are common nowadays, and how to effectively deter them is a top priority. The last opportunity for victims to prevent fraud is before they make a remittance. In addition to the bank staff caring and asking questions when remittances are made over the counter, in current practice, many remittances are carried out through non-counter methods such as (mobile) online banking. Therefore, how to provide anti-fraud warning actions before mobile online banking remittances can be said to be a top priority.

One implementation aspect of this case is to provide an anti-fraud warning system, which includes a financial institution server device and a payee account inquiry device. The financial institution server device is connected to a remitter's electronic device to perform a remittance action. The payee account inquiry device is connected to the financial institution server device to obtain the payee account number of the remittance action.

In some embodiments, the payee account query device is used to connect to a server of a joint financial credit reporting center to query important information about the payee account.

In some embodiments, the payee account query device includes a communication unit, and the communication unit is used to send information about the payee account to the remitter electronic device. Important news.

In some embodiments, the communication unit sends significant information about the payee's account number to the remitter's electronic device through the financial institution server device.

In some embodiments, significant information about the payee account includes account status changes.

In some embodiments, material information about the payee account includes account holder changes.

In some embodiments, material information about the payee account includes account closure or closure.

In some embodiments, the communication unit sends important information about the payee's account number to the remitter's electronic device before the remittance action is completed.

In some embodiments, the financial institution server device includes a communication unit, and the communication unit is used to obtain information related to the remittance action from the remitter's electronic device.

In some embodiments, the information related to the remittance action includes the payee account number.

The anti-fraud warning system disclosed in this case is particularly suitable for warning against possible fraud in non-cash remittances. At present, many remittances are carried out through non-cash counter methods such as (mobile) online banking, and the payee is often a problematic account. In order to strengthen the protection of victims of non-cash remittances, before the transaction of non-cash remittance victims is completed, , properly notify the remitter of major suspicious information such as the payee has ceased business, etc., and strengthen the reminder to the remitter to pay attention to whether he or she is being defrauded.

100: Anti-fraud warning system

110: Remitter’s electronic device

120: Financial institution server installation

122: Processor

124:Storage unit

126: Communication unit

130: Payee account inquiry device

132: Processor

134:Storage unit

136: Communication unit

200:Method

202:Step

204:Step

206:Step

208:Step

The accompanying drawings herein are incorporated into the specification and constitute a part of the specification. These drawings illustrate embodiments consistent with the present invention, and together with the description, are used to explain the technical solutions of the embodiments of the present invention.

Figure 1 illustrates a hardware configuration diagram of an anti-fraud alert system according to some embodiments of this case.

Figure 2 illustrates the operation method of the anti-fraud alert system according to some embodiments of this case.

The following will clearly illustrate the spirit of this application with drawings and detailed descriptions. Anyone with ordinary knowledge in the technical field, after understanding the embodiments of this application, can make changes and modifications based on the techniques taught in this application without departing from the spirit of this application. Spirit and scope.

The terms used herein are only used to describe specific embodiments and are not intended to be limiting. Singular forms such as "a", "this", "this", "this" and "the", as used herein, also include the plural form.

The words "includes", "includes", "has", "contains", etc. used in this article are all open terms, which mean including but not limited to.

The building management system in this case is an integrated technology solution designed to assist in the management and operation of the building, thereby improving efficiency, saving costs and providing a better user experience. The architecture of a building management system consists of a number of important components, which will be expanded upon in more detail below with reference to the diagram.

Please refer to Figures 1 and 2 at the same time. Figure 1 shows some details based on this case. The hardware configuration diagram of the anti-fraud warning system 100 of the embodiment. Figure 2 illustrates the operation method 200 of the anti-fraud warning system 100 according to some embodiments of this case. The anti-fraud warning system 100 includes a financial institution server device 120 and a payee account query device 130. One of the functions of the financial institution server device 120 is to connect a remitter's electronic device 110 to perform a remittance action. The process in which the server device of the financial institution performs the remittance operation through its processor 122, storage unit 124 and communication unit 126 generally includes the following steps.

Identity verification: When a user initiates a remittance, the financial institution's system will first conduct identity verification to ensure that the user is a legal account holder and has the authorization to perform the remittance.

Authorization confirmation: When the identity verification is passed, the system will check whether the user has sufficient balance or credit limit to perform remittance. This may involve steps such as account balance checks and credit limit confirmations.

Transaction creation: The system creates a transaction record based on the remittance information provided by the user, such as payee information, amount, etc.

Transaction review: Some financial institutions will conduct transaction review to ensure the legality and security of the transaction. This may include procedures such as risk assessments and anti-money laundering checks.

Funds transfer: Once the transaction is verified and reviewed, the system will initiate the process of transferring funds. This involves transferring money from the sender's account to the payee's account.

Transaction record update: The system will update the account's transaction record, including deducting the remittance amount, recording remittance-related information, etc.

Notifications and Confirmations: Once the transfer is completed, the system may send a notification to the sender confirming that the transaction was successfully completed.

During the entire process of the remittance action, the processor 122 of the financial institution server device 120 is responsible for executing the logic of each operation, the storage unit 124 is used to save transaction and account information, and the communication unit 126 is used to communicate with other systems, banks or payment networks. communication to achieve fund transfer and information exchange.

The anti-fraud warning system 100 in this case adds a payee account query device 130 to provide an anti-fraud warning function. For example, the payee account query device 130 is used to connect to a server of a joint financial credit information center to query important information about the payee account.

The payee account inquiry device 130 is connected to the server of the Financial Joint Credit Information Center through its processor 132, storage unit 134 and communication unit 136, and performs a process of inquiry about important information about the payee's account, such as the following: Identity verification: The payee account inquiry device 130 may first need to pass identity verification to ensure that only authorized users can access the server of the Joint Financial Credit Information Center. This can be done via username, password, credentials or other authentication methods.

Inquiry input: The user enters relevant inquiry information on the inquiry device, such as the payee's account number or other identification information.

Communication connection: The communication unit 136 of the payee account inquiry device 130 establishes a connection with the server of the Financial Joint Credit Information Center. This may be accomplished through an Internet connection or other communication technology.

Data transmission: The processor 132 will The information is sent to the server of the Joint Financial Credit Information Center.

Server processing: After receiving the query, the server of the Joint Financial Credit Information Center will process the query based on the information provided. The server may connect to its database to retrieve information about the payee account.

Data processing: The server's processor analyzes the information retrieved from the database and uses corresponding logic to process the data. This may include checking the status of the payee account, historical transaction history, etc.

Query result return: The server returns query results to the query device, which may include important information about the payee account.

Display results: The display interface of the query device displays the results returned by the server, allowing the user to view information about the payee account.

During the entire process, the synergy of the processor 132, storage unit 134 and communication unit 136 of the payee account inquiry device 130 enables the inquiry device to connect to the server of the Financial Joint Credit Information Center to conduct information inquiry on the payee account. , and present the query results to the user.

In the context of anti-fraud warning requirements, significant information about the payee's account may include the following information: Account status change: If there is any change in the status of the payee's bank account, such as the account being frozen, closed, or in special processing status , these messages should be revealed.

Change of Account Holder: If there is a change in the payee’s account holder, such as a company changing legal representative or account holder, this should also be disclosed.

Account cessation or closure: If the payee's business is closed, out of business, or out of business, this should be disclosed to prevent the sender from misdirecting the money. Import an account that no longer exists.

Risk warning: If banks or relevant regulatory agencies issue risk warnings related to the payee's account, these warning messages should be disclosed to alert the remitter of possible risks.

Revealing this important information helps ensure transaction transparency, prevent fraud, and ensure money is transferred to the correct account.

The communication unit 136 of the payee account inquiry device 130 sends important information about the payee's account to the remitter's electronic device 110, such as the above important information about changes in account status, changes in account holders, or closure or closure of the account. The remitter decides whether to carry out the remittance.

The payee account inquiry device 130 usually performs the process of sending important information about the payee's account to the remitter's electronic device 110 through its processor 132, storage unit 134 and communication unit 136 as follows: Data processing: The payee account inquiry device 130 is connected to the financial institution server device 120 to obtain the payee account number of the remittance action (please also refer to step 204). The processor 132 performs data processing according to the input information to determine the content of the message that needs to be sent.

Query data retrieval: The processor 132 of the payee account query device 130 may connect to the server of the Financial Joint Credit Information Center through the communication unit 136 to retrieve important information about the payee account, such as changes in account status and suspension of operations. etc. (Please also refer to step 206).

Message preparation: Based on the information obtained from the server of the Financial Joint Credit Reference Center, the processor 132 may prepare a message containing important information about the payee's account, and possible explanations or guidance.

Communication connection: The communication unit 136 of the payee account inquiry device 130 establishes a connection to the remitter's electronic device 110, which may be through the Internet, mobile network or other communication methods. The communication unit 136 of the payee account inquiry device 130 can also send important information about the payee's account to the remitter's electronic device 110 through the financial institution server device 120 (please also refer to step 208).

Message transmission: The communication connection of the payee's account inquiry device 130 transmits the message to the remitter's electronic device 110 . This may be via email, SMS, mobile app notification, etc. (please also refer to step 208).

Electronic device reception and display: The remitter's electronic device 110 receives the message and displays it to the user. This allows the sender to learn important information about the recipient's account.

During the entire sending process, the processor 132 processes data and message processing logic, the storage unit 134 saves relevant data, and the communication unit 136 is responsible for establishing connections and transmitting messages.

The financial institution server device 120 can obtain the relevant information of the remittance action through its processor 122, storage unit 124 and communication unit 126 (please also refer to step 202), such as the following: transaction data storage: when the remittance action is executed , the financial institution server device 120 will store the relevant transaction data in its storage unit 124. This information may include remitter and payee information (such as payee account number), amount, transaction time, etc.

Data processing: The processor 122 will analyze the stored transaction data and perform data processing according to relevant logic. This may include checking the remittance amount Whether the amount is within the acceptable range, whether the remitter has sufficient balance, etc.

Authorization review: In some cases, financial institutions may conduct transaction authorization review to ensure the legality and security of the transaction. Processor 122 may submit the transaction to the relevant authorization system for review.

Related information query: The processor 122 can connect to the relevant database or system through the communication unit 126 according to the remitter or payee information in the transaction data to obtain more relevant information. For example, query the sender's balance or the payee's account status.

Data integration: The processor 122 may integrate information from different data sources to determine the relevant circumstances of the remittance action and prepare relevant responses or notifications.

Communication connection: If necessary, the processor 122 may connect to other systems, such as the remitter's bank, through the communication unit 126 to further confirm the transaction or obtain more information.

Message transmission: The processor 122 may prepare a message based on the result, and transmit the message to relevant participants, such as the remitter, payee or other relevant units through the communication unit 126.

During the entire process of obtaining relevant information about the remittance action, the processor 122 is responsible for processing the logic of the transaction data, the storage unit 124 saves the relevant data, and the communication unit 126 is responsible for communicating with other systems. How these steps are implemented may vary depending on the financial institution's system design.

In some embodiments of the present invention, the communication unit 136 of the payee account inquiry device 130 sends the remitter's electronic device 110 information about the payee's account number through the communication unit 126 of the financial institution server device 120 . The process of a large message (please also refer to step 208) may be as follows: Message preparation: The processor 122 of the financial institution server device 120 may prepare a message based on the significant information of the payee account, and the content includes information about the payee account. Big message and possible explanations.

Connection establishment: The communication unit 136 of the payee account inquiry device 130 establishes a connection to the communication unit 126 of the financial institution server device 120 . This may be achieved through the Internet, mobile networks or other communication methods.

Message transmission: the communication unit 136 transmits the prepared message to the communication unit 126 of the financial institution server device 120 .

Message processing: After receiving the message, the processor 122 of the financial institution server device 120 processes the message. This may include consolidating the message into the sender's account record, conducting authorization reviews, etc.

Message forwarding: If necessary, the communication unit 126 of the financial institution server device 120 may forward the processed message to the notification system of the financial institution server device 120 so as to send a notification to the remitter through the remitter's electronic device 110 .

Notification transmission: The notification system of the financial institution server device 120 sends a message notification to the remitter's electronic device 110 through the communication unit 126 . This may be via email, text message, mobile app notification, etc.

Electronic device reception and display: The remitter's electronic device 110 receives the message notification and displays it to the user. This way the remitter can learn important information about the recipient's account number.

During the entire process, the communication unit 136 of the payee account inquiry device 130 is responsible for establishing connections, sending messages and receiving notifications. The processor 132 The processing logic responsible for processing the message ensures that the message can be successfully transmitted from the financial institution server device 120 to the remitter's electronic device 110 . How these steps are implemented may vary by technology and design.

Based on the above, the anti-fraud warning system disclosed in this case is particularly suitable for warning against possible fraud in non-cash remittances. At present, many remittances are carried out through non-cash counter methods such as (mobile) online banking, and the payee is often a problematic account. In order to strengthen the protection of victims of non-cash remittances, before the transaction of non-cash remittance victims is completed, , properly notify the remitter of major suspicious information such as the payee has ceased business or went out of business, and strengthen the reminder to the remitter to pay attention to whether he or she is being defrauded.

Although this case is disclosed as above using embodiments, it is not intended to limit this case. Anyone familiar with this technology can make various changes and modifications without departing from the spirit and scope of this case. Therefore, the scope of protection of this case shall be regarded as appended. The scope of the patent application shall prevail.

100: Anti-fraud warning system

110: Remitter’s electronic device

120: Financial institution server installation

122: Processor

124:Storage unit

126: Communication unit

130: Payee account inquiry device

132: Processor

134:Storage unit

136: Communication unit

Claims (10)

An anti-fraud warning system, including: A financial institution server device for a remitter's electronic device to connect to perform a remittance action; and A payee account inquiry device is connected to the financial institution server device to obtain the payee account number of the remittance action. The anti-fraud warning system as described in claim 1, wherein the payee account inquiry device is used to connect to a server of a joint financial credit reporting center to inquire about important information about the payee account. The anti-fraud warning system as described in claim 2, wherein the payee account inquiry device includes a communication unit, and the communication unit is used to send important information about the payee account to the remitter electronic device. The anti-fraud warning system as described in claim 3, wherein the communication unit sends important information about the payee's account to the remitter's electronic device through the financial institution server device. The anti-fraud warning system as described in claim 2, wherein the significant information about the payee account includes changes in account status. The anti-fraud warning system as described in claim 2, wherein the significant information about the payee account includes changes in the account holder. For the anti-fraud warning system described in claim 2, the important information about the payee account includes account suspension or closure. The anti-fraud warning system as described in claim 3, wherein the communication unit sends important information about the payee's account to the remitter's electronic device before the remittance action is completed. The anti-fraud warning system as described in claim 1, wherein the financial institution server device includes a communication unit, and the communication unit is used to obtain information related to the remittance action from the remitter's electronic device. For the anti-fraud warning system described in claim 9, the information related to the remittance action includes the payee account number.

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