TWM660206U - Deposit account earmarked details integration system - Google Patents

Abstract

A deposit account earmarked details integration system comprises a credit card center, and the credit card center is configured to record the deposit earmarked details of the customers' visa cards. The deposit account earmarked details integration system further comprises an internet banking, and the internet banking connected to the credit card center is configured to provide an operation interface, and the operation interface is configured for the customers to check the deposit earmarked details of the customers' visa cards online.

Description

Deposit account transfer details integration system

The present disclosure relates to a deposit account balance details integration system, and in particular to a deposit account balance details integration system that integrates data from different units and can be viewed through online banking.

When a customer calls to inquire about the difference between the deposit amount and the available balance in the account, he/she may mistakenly think that the account has been stolen. If the deposit amount and content of the deposit account can be viewed on the online banking, the customer can check the deposit details without misunderstanding. Therefore, a deposit account deposit details integration system is provided to solve the above problem.

This disclosure provides a deposit account transfer details integration system. After a customer applies for an account through online banking, he or she can check the transfer details on the system, which greatly increases convenience.

The disclosed embodiment provides a deposit account deposit details integration system, including a card service center configured to record the deposits of the customer's visa debit card. The deposit account deposit details integration system also includes an online bank, which is connected to the card service center, configured to provide an operation interface, connected to a login registration module, and configured to allow the customer to query the deposits of the customer's visa debit card online.

In some embodiments, the deposit is a legal deduction.

In some embodiments, the circled deposit is a credit arrears.

In some embodiments, the operating interface is also configured to allow customers to query their credit balance online.

In some embodiments, the consumption data includes consumption items, consumption time, consumption store, and consumption amount.

In some embodiments, the card service center is configured to allow bank personnel to obtain a customer's visa debit card circle deposit.

In some embodiments, the deposit account balance details integration system includes a bank server connected to an online bank and configured to allow bank personnel to integrate and upload customer's credit card balances.

In some embodiments, the operation interface is also configured to allow the customer to query the reason for the deposit online.

In some embodiments, the operation interface is also configured to allow the customer to check the amount of the deposit on the visa debit card online.

In some embodiments, the operating interface is further configured to allow the customer to check the account balance of the visa debit card online.

The following disclosure will be more fully described herein through drawings and references, and some exemplary embodiments are illustrated in the drawings. The disclosure may be implemented in different forms and should not be limited by the embodiments mentioned below. However, these embodiments are provided to help a more complete understanding of the content of the disclosure and to fully convey the scope of the disclosure to those skilled in the art. The same reference numerals will refer to similar elements throughout the text.

Unless otherwise defined, all terms (including technical and scientific terms) used herein have their usual meanings, which are understood by those familiar with the field. Furthermore, the definitions of the above terms in commonly used dictionaries should be interpreted in the content of this specification as meanings consistent with the relevant fields of this disclosure. Unless otherwise clearly defined, these terms will not be interpreted as idealized or overly formal meanings.

The words “include,” “including,” “have,” and similar terms used herein specify the features, regions, integers, steps, operations, elements, and/or components described therein, but do not exclude the described or additional one or more other features, regions, integers, steps, operations, elements, components, and/or groups thereof.

Please refer to FIG. 1, which is a schematic diagram of a deposit account balance details integration system 100 according to an embodiment of the present disclosure. As shown in FIG. 1, the deposit account balance details integration system 100 includes an online bank 110, a bank server 130, and a cloud database 150.

As shown in FIG. 1 , the online bank 110 includes a processor 115, an operation interface 120, and a login registration module 125. In some embodiments, the processor 115 and the operation interface 120 can be connected to each other through a network. In some embodiments, the processor 115 can be a device for receiving, transmitting, and capturing data, such as a computer, an application, software, or other suitable device. In some embodiments, the operation interface 120 can be operated through peripheral input and output devices, such as a keyboard, a mouse, or a touch panel, and peripheral output devices such as a computer screen, a display, or a touch panel.

In some embodiments, the login registration module 125 and the operation interface 120 can be connected to each other through a network. In some embodiments, the login registration module 125 can be a data receiving and transmitting device. More specifically, the login registration module 125 can be a web page, an application, software, or other suitable interfaces. In some embodiments, the login registration module 125 can include peripheral input and output devices, such as a keyboard, a mouse, a touch panel, or a smart phone, and peripheral output devices such as a computer screen, a display, a touch panel, a smart phone, or other suitable operation interfaces.

Referring to FIG. 1 , the online bank 110 is connected to the bank server 130. In some embodiments, the online bank 110 and the bank server 130 can communicate with each other through the Internet. In some embodiments, the customer 140 connects to the online bank 110 through a web page, an application, or software. In some embodiments, the customer 140 already has a bank deposit account, and through the operation interface 120 of the online bank 110, connects to the login registration module 125 to apply for an online bank account, and fills in the application information in the operation interface 120 and uploads the identity document. In some embodiments, the login registration module 125 can communicate with the processor 115 through the network. More specifically, the login registration module 125 can transmit the application information of the customer 140 to the bank server 130 through the processor 115. In some embodiments, the application information of the customer 140 includes filling in personal information and bank deposit account information.

In some embodiments, after the online banking account application of the customer 140 is approved, the customer 140 can query personal account information through the operation interface 120 of the online banking 110. In some embodiments, the personal account information includes the deposit account number, account balance, consumption amount, consumption details and transfer transaction details. In some embodiments, the personal account information also includes the deposit account recharge amount and deposit account recharge details.

Referring to FIG. 1 , the bank server 130 includes a data management module 135. In some embodiments, the bank server 130 may be a bank management system, which includes information receiving, accessing, capturing and transmitting. For example, it may be a computer host, application, software or other suitable device. Taking the banking industry as an example, the bank server 130 is configured for bank personnel 105 to perform data integration and management. In some embodiments, the bank server 130 includes an interface and a display operated by the bank personnel 105.

In some embodiments, the data management module 135 can be maintained and managed through an interface, wherein the interface can be a web page, an application, or other suitable interface. In some embodiments, the data management module 135 can be a computer, an application, or other suitable device. In some embodiments, the data management module 135 can include peripheral input and output devices, such as a keyboard, a mouse, and a touch panel, and peripheral output devices such as a computer screen, a display, a touch panel, or other suitable operation interfaces.

In some embodiments, the bank staff 105 integrates the customer data through the data management module 135 of the bank server 130, and presents the data in the operation interface 120 for the customer to view by communicating with the processor 115 of the network bank 110. In some embodiments, the data management module 135 can communicate with the processor 115 through the network. In some embodiments, when the bank staff 105 needs to edit, manage and check the data, the data can be uploaded to the cloud database 150 through the data management module 135 of the bank server 130.

Referring to FIG. 1 , the cloud database 150 is connected to the bank server 130. In some embodiments, the cloud database 150 and the bank server 130 can be connected to each other through a network. In some embodiments, the cloud database 150 is a storage unit that can be connected to the bank server 130 through a network signal and access data. In some embodiments, the cloud database 150 can be an information access device, for example, a memory device and/or a cloud storage space. In some embodiments, the cloud database 150 can be used to receive and store transmission data from the bank server 130.

In some embodiments, the data uploaded to the cloud database 150 includes the personal information, account information and consumption records of the customer 140. In some embodiments, the personal information of the customer 140 includes contact information and identity information. For example, the contact information includes a mobile phone number, an email address, and an address, and the identity information includes an ID number and/or a health insurance card number. In some embodiments, the consumption records include the consumption amount, the consumption merchant, the consumption details and the consumption time. In some embodiments, the uploaded data also includes the identity verification result and the corresponding time of account opening.

In some embodiments, the bank staff 105 can access the consumption data of the customer 140 using the bank debit card (such as VISA debit card). In some embodiments, the bank staff 105 can access the consumption data of the customer 140 from the card service center 145, including the consumption items, consumption time, consumption store and consumption amount. In some embodiments, the bank staff 105 can access the bank's deposit customer 140 and the corresponding deposit reason. In some embodiments, the deposit can be a legal deduction and a credit arrears.

In some embodiments, legal deductions are amounts that the bank applies to the court for compulsory execution when the customer 140 fails to repay the debt as agreed. More specifically, the bank staff 105 needs to manually check the amount and details of the legal deductions, and update and upload the legal deductions to the bank server 130.

In some embodiments, the credit balance includes the consumption data of the customer 140 using a bank debit card (such as a VISA debit card). In some embodiments, the card service center 145 can be connected to the bank server 130 via a network. In some embodiments, the credit balance of the customer 140 can be directly transmitted from the card service center 145 to the bank server 130.

In some embodiments, the bank staff 105 can edit, integrate, and update the legal deductions and credit arrears of the customer 140 through the data management module 135 of the bank server 130 and store them in the cloud database 150. In some embodiments, the bank staff 105 can upload the data and display it on the operation interface 120 by connecting to the processor 115 of the online bank 110.

In some embodiments, the customer 140 can log in to the account of the online bank 110 to check the consumption data, account recharge amount and account balance of the bank VISA debit card. In some embodiments, if the data of the customer 140 needs to be edited, the bank staff 105 can connect to the processor 115 and the data management module 135 of the bank server 130 through the operation interface 120 to modify it, and upload the correct data after modification to the cloud database 150, wherein the bank staff 105 can upload the data multiple times.

It should be understood that in the scope of the patent application, the description involving "communication connection" can generally refer to one component indirectly communicating with another component through other components by wire and/or wireless, or one component being physically connected to another component without going through other components.

Please refer to FIG. 2 for an operation flow chart of the deposit account debit details integration system according to an embodiment of the present disclosure. In more detail, FIG. 2 provides an operation method M1 for operating the deposit account debit details integration system 100 of FIG. 1. Method M1 includes operation S101, applying for an online banking account. Method M1 also includes operation S102, data integration and uploading. Method M1 also includes operation S103, viewing debit details online.

Please refer to FIG. 1 and FIG. 2 together, method M1 includes operation S101, applying for an online banking account. In some embodiments, customer 140 already has a bank deposit account, and can apply for an online banking account on the bank's official website's online banking 110 or application. After the application is approved, personal account information, including personal information, account balance and consumption information, can be queried in the operation interface 120 of the online banking 110.

Method M1 proceeds to operation S102, data integration and upload. Bank personnel 105 can connect customer data of different business units to bank server 130 via the network, upload and store in cloud database 150. In some embodiments, different business units can be more than two and different banks, and can also include card service centers. In some embodiments, customer data includes personal information of customer 140, account transfer amount and details, account balance, consumption information, legal deductions, credit arrears and transfer reasons, etc.

Method M1 proceeds to operation S103 to view the details of the deposit online. In some embodiments, after the bank staff 105 integrates and updates the customer information to the online bank 110, the customer 140 can view the deposit amount, details and reasons of the deposit account in the operation interface 120 by logging into the online bank 110 account.

The foregoing description is only provided to illustrate and describe the exemplary embodiments of the present disclosure, and is not intended to limit the precise form of the novel invention disclosed by the present disclosure. The above teachings may be modified or varied.

The embodiments selected and described are used to explain the content of the present disclosure and their practical applications to inspire other technical personnel in the field to utilize the present disclosure and various embodiments, and to make various modifications to meet the expected specific use. Alternative embodiments will be obvious to technical personnel in the field to which the present disclosure belongs without departing from the spirit and scope of the present disclosure. Therefore, the scope of the present disclosure is determined according to the scope of the attached new patent application, rather than being limited by the above specification and the exemplary embodiments described therein.

100: Deposit account transfer details integration system 105: Bank staff 110: Internet banking 115: Processor 120: Operation interface 125: Login registration module 130: Bank server 135: Data management module 140: Customer 145: Card service center 150: Cloud database M1: Method S101: Operation S102: Operation S103: Operation

The drawings illustrate one or more embodiments of the present disclosure and are used together with the written description to explain the principles of the present disclosure. In all drawings, the same drawing marks are used as much as possible to refer to similar or identical elements of the embodiments, wherein: FIG. 1 is a schematic diagram of a deposit account debit details integration system according to an embodiment of the present disclosure. FIG. 2 is an operation flow chart of a deposit account debit details integration system according to an embodiment of the present disclosure.

100: Deposit account transfer details integration system

105: Bank staff

110: Online banking

115: Processor

120: Operation interface

125: Login and registration module

130: Bank server

135:Data management module

140: Customer

145: Card Service Center

150: Cloud database

Claims (10)

A deposit account balance details integration system includes: a card service center configured to record a balance of deposits of a customer's visa debit card; and an online bank, connected to the card service center and configured to provide an operation interface, wherein the operation interface is configured to allow the customer to query the balance of the customer's visa debit card online. A deposit account credit detail integration system as described in claim 1, wherein the credit is a deduction. A deposit account credit detail integration system as described in claim 1, wherein the credit is a credit balance. The deposit account balance details integration system as described in claim 3, wherein the operation interface is also configured to allow the customer to query the consumption data of the credit balance online. A deposit account transfer details integration system as described in claim 4, wherein the consumption data includes consumption items, consumption time, consumption store and consumption amount. The deposit account debit details integration system as described in claim 1, wherein the card service center is configured to enable a bank staff to obtain the debit of the customer's visa debit card. The deposit account debit details integration system as described in claim 6 further comprises: A bank server connected to the online bank and configured to allow the bank staff to integrate and upload the debit details of the client's visa debit card. The deposit account transfer details integration system as described in claim 1, wherein the operation interface is further configured to allow the customer to query a transfer reason of the transfer online. The deposit account balance details integration system as described in claim 1, wherein the operation interface is further configured to allow the customer to query an amount of the balance of the visa debit card online. The deposit account transfer details integration system as described in claim 1, wherein the operation interface is further configured to allow the customer to check an account balance of the visa debit card online.

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