TWM653019U - Check payment management system - Google Patents
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- TWM653019U TWM653019U TW112210500U TW112210500U TWM653019U TW M653019 U TWM653019 U TW M653019U TW 112210500 U TW112210500 U TW 112210500U TW 112210500 U TW112210500 U TW 112210500U TW M653019 U TWM653019 U TW M653019U
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Abstract
Description
本新型創作是有關於一種支票支付管理系統。 This novel creation is about a check payment management system.
目前國內支票的交易模式,支票的發票日大都是填寫未來的某個日期,等到發票日後要兌現時,再由發票人的支票存款帳戶扣取票面上的金額。由於支票存款帳戶一般都沒有存款利息,所以發票人的支票存款帳戶幾乎不會有餘額。 In the current domestic check transaction model, the check issue date is usually filled in with a future date. When the check is to be cashed after the issue date, the amount on the check will be deducted from the check issuer's check deposit account. Since check deposit accounts generally do not earn deposit interest, the check issuer's check deposit account will almost never have a balance.
通常情況下,發票人會等發票兌現的當日或前幾日再依據票面上的金額轉帳至支票存款帳戶。若發票人忘記轉帳,兌現當日金融機構會以人工或簡訊等方式通知發票人。此時如果發票人因故無法完成轉帳,便有可能造成退票,從而影響到發票人的信用紀錄。 Normally, the invoicer will wait for the day or a few days before the invoice is cashed and then transfer the amount on the note to the checking deposit account. If the invoicer forgets to transfer the money, the financial institution will notify the invoicer manually or via SMS on the day of redemption. At this time, if the invoicer is unable to complete the transfer for some reason, the check may be returned, which will affect the invoicer's credit record.
雖然有些銀行提供需事先申請的服務,在支票的背面蓋上活期存款帳戶的取款印鑑章。因此當發票人的支票存款帳戶的存款不足時,辦理支票兌現的銀行可使用發票人的活期存款帳戶扣取缺額。然而,若發票人沒有事先申請則無法使用此服務,且相關作業會產生人工作業的成本。 Although some banks provide a service that requires prior application, stamping the withdrawal stamp of the current deposit account on the back of the check. Therefore, when the balance of the check issuer's check deposit account is insufficient, the bank that cashes the check can use the issuer's current deposit account to deduct the shortfall. However, if the issuer does not apply in advance, this service cannot be used, and the related operation will incur manual labor costs.
有鑑於此,本新型創作提供一種支票支付管理系統,可從發票人的活期存款帳戶轉帳至支票存款帳戶,藉此降低發生退票的風險以及人工作業的成本。 In view of this, this new invention provides a check payment management system that can transfer funds from the current deposit account of the invoicer to the check deposit account, thereby reducing the risk of bounced checks and the cost of manual operations.
本新型創作的支票支付管理系統,包含伺服器以及行動裝置。行動裝置儲存網路銀行應用程式,且包含圖像擷取裝置。網路銀行應用程式自伺服器取得使用者的第一帳戶以及第二帳戶的資訊。網路銀行應用程式透過圖像擷取裝置擷取對應至少一紙本支票的至少一支票圖像。網路銀行應用程式辨識至少一支票圖像,以取得至少一日期資訊以及至少一金額資訊。網路銀行應用程式依據至少一日期資訊以及至少一金額資訊,執行從第二帳戶轉帳至第一帳戶的預約轉帳交易。 This newly created check payment management system includes servers and mobile devices. The mobile device stores the Internet banking application and includes an image capture device. The online banking application obtains the user's first account and second account information from the server. The online banking application captures at least one check image corresponding to at least one paper check through the image capture device. The online banking application recognizes at least one check image to obtain at least one date information and at least one amount information. The online banking application executes a scheduled transfer transaction from the second account to the first account based on at least one date information and at least one amount information.
在本新型創作的一實施例中,上述的網路銀行應用程式對使用者進行身分認證以產生認證結果,其中網路銀行應用程式依據認證結果自伺服器取得使用者的第一帳戶以及第二帳戶的資訊。 In one embodiment of the present invention, the above-mentioned online banking application authenticates the user's identity to generate an authentication result, wherein the online banking application obtains the user's first account and second account information from the server based on the authentication result.
在本新型創作的一實施例中,上述的網路銀行應用程式篩選出與相同的至少一日期資訊相對應的所有至少一金額資訊。 In one embodiment of the present invention, the above-mentioned online banking application filters out all at least one amount information corresponding to the same at least one date information.
在本新型創作的一實施例中,上述的網路銀行應用程式輸出提示訊息,並且接收對應於提示訊息的使用者操作,其中網路銀行應用程式基於使用者操作決定是否合併篩選出的所有至少 一金額資訊。 In an embodiment of the present invention, the above-mentioned online banking application outputs a prompt message and receives a user operation corresponding to the prompt message, wherein the online banking application determines whether to merge all filtered out at least Amount information.
在本新型創作的一實施例中,上述的網路銀行應用程式將至少一支票圖像傳送至伺服器儲存。 In an embodiment of the present invention, the above-mentioned online banking application transmits at least one check image to the server for storage.
基於上述,本新型創作提供一種支票支付管理系統,可辨識對應紙本支票的支票圖像以取得發票日以及票面金額,並且在發票日從發票人的活期存款帳戶轉帳與票面金額相對應的金額至支票存款帳戶。如此一來,可降低發生退票的風險以及人工作業的成本。 Based on the above, this novel invention provides a check payment management system that can identify the check image corresponding to the paper check to obtain the invoice date and the face value, and transfer the amount corresponding to the face value from the issuer's current deposit account to the check deposit account on the invoice date. In this way, the risk of bounced checks and the cost of manual operations can be reduced.
10:支票支付管理系統 10: Check payment management system
100:行動裝置 100:Mobile device
110:網路銀行應用程式 110:Internet Banking App
120:圖像擷取裝置 120: Image capture device
200:伺服器 200:server
圖1是根據本新型創作一實施例繪示一種支票支付管理系統的示意圖。 Figure 1 is a schematic diagram of a check payment management system according to an embodiment of the present invention.
為了使本新型創作之內容可以被更容易明瞭,以下特舉實施例作為本新型創作確實能夠據以實施的範例。 In order to make the content of this novel creation more understandable, the following implementation examples are given as examples of how this novel creation can be implemented.
圖1是根據本新型創作一實施例繪示一種支票支付管理系統10的示意圖。支票支付管理系統10可包含行動裝置100以及伺服器200。行動裝置100儲存網路銀行應用程式110以及包含圖像擷取裝置120。行動裝置100可例如是銀行或金融機構的客戶所持有的智慧型手機或者其他具有擷取圖像功能的類似裝置。
FIG. 1 is a schematic diagram illustrating a check
行動裝置100(或伺服器200)可具有處理單元(例如:處理器但不限於此)、通訊單元(例如:各類通訊電路,可使用例如行動通訊、藍牙、WiFi等通訊技術但不限於此)及儲存單元(例如:可移動隨機存取記憶體、快閃記憶體、硬碟等但不限於此)等運行行動裝置100(或伺服器200)的必要構件。行動裝置100還可進一步包含輸入輸出裝置。舉例來說,行動裝置100可包含用於接收用戶操作或顯示圖像的觸控式螢幕。
The mobile device 100 (or server 200) may have a processing unit (such as a processor but is not limited thereto), a communication unit (such as various communication circuits, and may use communication technologies such as mobile communication, Bluetooth, and WiFi but is not limited thereto). ) and storage units (such as removable random access memory, flash memory, hard disk, etc. but not limited to these) are necessary components for running the mobile device 100 (or server 200). The
網路銀行應用程式110可自伺服器200取得使用者的第一帳戶以及第二帳戶的資訊。舉例來說,網路銀行應用程式110可通訊連接至伺服器200,以取得使用者的帳戶資訊。使用者可例如是支票的發票人,使用者的第一帳戶可例如是支票存款帳戶,使用者的第二帳戶可例如是活期存款帳戶。使用者可事先透過臨櫃辦理或者網路銀行應用程式110來設定使用者的支票存款帳戶為約定轉入帳戶,活期存款帳戶為約定轉出帳戶。
The
在一實施例中,網路銀行應用程式110可對使用者進行身分認證以產生認證結果。網路銀行應用程式110依據認證結果自伺服器200取得使用者的第一帳戶以及第二帳戶的資訊。舉例來說,身分認證可例如是密碼認證或者生物特徵認證,使用者可通過輸入對應於網路銀行的帳戶的密碼或者通過圖像擷取裝置120擷取包含生物特徵的臉部圖像來進行身分認證。若認證結果為正確,網路銀行應用程式110則可自伺服器200取得使用者的第一帳戶以及第二帳戶的資訊。若認證結果為錯誤,網路銀行應用
程式110則不可自伺服器200取得使用者的第一帳戶以及第二帳戶的資訊。
In one embodiment, the
網路銀行應用程式110可透過圖像擷取裝置120擷取對應至少一紙本支票的至少一支票圖像。舉例來說,網路銀行應用程式110可在接收到對應拍攝紙本支票的使用者操作後,透過圖像擷取裝置120拍攝填寫好日期以及金額的紙本支票,以取得該紙本支票的支票圖像。若有多張紙本支票,則可拍攝所有的紙本支票以取得所有紙本支票的支票圖像。
The
網路銀行應用程式110辨識該至少一支票圖像,以取得至少一日期資訊以及至少一金額資訊。舉例來說,網路銀行應用程式110可對支票圖像進行光學字元辨識,以取得對應支票圖像的日期資訊以及金額資訊。若有多個支票圖像,則可取得對應多個支票圖像的多個日期資訊以及多個金額資訊。
The
網路銀行應用程式110依據至少一日期資訊以及至少一金額資訊,執行從第二帳戶轉帳至第一帳戶的預約轉帳交易。舉例來說,網路銀行應用程式110可依據日期資訊以及金額資訊,設定預約轉帳交易的預約轉帳日以及預約轉帳金額,並將使用者的第一帳戶以及第二帳戶分別設為轉入帳戶以及轉出帳戶。設定好預約轉帳交易之後,銀行的系統會在與日期資訊對應的發票日當天,從使用者的活期存款帳戶轉出與金額資訊對應的票面金額至使用者的支票存款帳戶。如此一來,可降低支票退票的風險以及人工作業的成本。
The
在一實施例中,網路銀行應用程式110篩選出與相同的至少一日期資訊相對應的所有至少一金額資訊。舉例來說,若使用者可能開立了多張具有相同發票日的紙本支票,則網路銀行應用程式110在辨識多個支票圖像後可與相同的日期資訊對應的多個金額資訊。網路銀行應用程式110可依據相同的日期資訊以及多個金額資訊分別設定多筆預約轉帳交易。
In one embodiment, the
在一實施例中,網路銀行應用程式110輸出提示訊息,並且接收對應於提示訊息的使用者操作。網路銀行應用程式110基於使用者操作決定是否合併篩選出的所有至少一金額資訊。舉例來說,網路銀行應用程式110可輸出提示訊息,詢問使用者要將同日期的支票合成單筆轉帳或者分成多筆轉帳。若網路銀行應用程式110接收到對應合成單筆轉帳的使用者操作,則網路銀行應用程式110可將與相同的日期資訊對應的多個金額資訊加總,並依據相同的日期資訊以及加總後的金額資訊設定單筆預約轉帳交易。若網路銀行應用程式110接收到分成多筆轉帳的使用者操作,則網路銀行應用程式110可依據相同的日期資訊以及多個金額資訊分別設定多筆預約轉帳交易。
In one embodiment, the
在一實施例中,網路銀行應用程式110將至少一支票圖像傳送至伺服器200儲存。舉例來說,伺服器200可具有比行動裝置100更大容量的儲存裝置,因此可長期保存大量的支票圖像。另外,網路銀行應用程式110可在使用者通過身分認證後,提供使用者調閱儲存在伺服器200的至少一支票圖像,以方便使用者
進行對帳工作。
In one embodiment, the
綜上所述,本新型創作提供一種支票支付管理系統,可辨識對應紙本支票的支票圖像以取得發票日以及票面金額,並且在發票日從發票人的活期存款帳戶轉帳與票面金額相對應的金額至支票存款帳戶。如此一來,可降低發生退票的風險以及人工作業的成本。另外,可提供使用者調閱儲存在伺服器的支票圖像,以方便使用者進行對帳工作。 In summary, this novel invention provides a check payment management system that can identify the check image corresponding to the paper check to obtain the issue date and the face value, and transfer the amount corresponding to the face value from the issuer's current deposit account to the check deposit account on the issue date. In this way, the risk of bounced checks and the cost of manual operations can be reduced. In addition, users can be provided with the ability to access check images stored in the server to facilitate reconciliation work.
10:支票支付管理系統 10: Check payment management system
100:行動裝置 100:Mobile device
110:網路銀行應用程式 110: Online banking application
120:圖像擷取裝置 120: Image capture device
200:伺服器 200:server
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