TWI666600B - Payment system and method for effectively controlling relative petty cash - Google Patents

Abstract

The invention relates to a payment system and method for effectively controlling relative petty cash, which is mainly used by a petty sender to establish a kinship information with a petty recipient at a remote end by a first mobile device. When a gold sender wants to send petty money, the first mobile device reads the sender's information and automatically provides an amount of information based on the usual account information of a petty money recipient, and can manually re-edit the amount information. A mobile device sends the sender's information, the commonly used account information and the amount information to the remote end for confirmation and deduction, and then the remote end sends the amount information and related detailed information directly to the petty cash recipient; The use of real-time semi-automated methods to distribute petty money to loved ones in order to facilitate the management of relatives' financial management and money use.

Description

Payment system and method for effectively controlling relative petty cash

The present invention relates to a payment system and method, and more particularly to a payment system and method for effectively controlling relative petty cash.

In the current society, the purpose of giving out allowances to relatives is to allow their relatives to take care of and meet their needs, such as daily necessities, food consumption, or entertainment. The traditional way of issuing petty money through banknotes is to discuss a fixed amount, payment method, and payment cycle through face-to-face negotiations with relatives. However, in an age of rapid technological change, the pace of life is getting faster and faster. Quite a lot of family relatives do not live together. It is not easy to meet people often when they are busy. Therefore, it is inefficient to send banknotes to petty uses.

In order to solve the above-mentioned problem of the inefficiency of traditionally sending banknotes to pocket money, in the prior art, some relatives would send pocket money through a bank by a fixed automatic transfer. However, the problem of the fixed automatic transfer still exists. On the one hand, the sender Will often ignore whether there is still money in the account, on the other hand, it is also unclear whether the recipient is satisfied with or excessively received petty cash. Therefore, over time, this behavior of transferring funds through the bank has become a standard payment behavior. Relatives often lose communication, interaction, and emotional expression, and even when the recipient is younger, they often use the petty money received at will, without immediate reminders and control.

It can be known from the above prior art that the traditional method of issuing banknotes to petty items is relatively inefficient. Although it can be automatically transferred through a bank, it will become a standardized payment behavior in the long run, making it difficult for issuers to effectively and timely control relative petty items and receive them. When receiving the petty money, the user cannot get immediate reminders and control. Therefore, it is indeed necessary in the prior art to propose further improvement solutions.

In view of the above-mentioned shortcomings of the prior art, the main object of the present invention is to provide a payment system and method for effectively controlling relatives 'petty cash, which uses a real-time semi-automated method to distribute petty money to relatives, and facilitates the management of relatives' financial management and money use .

The main technical means adopted to achieve the above purpose is to enable the aforementioned effective control of relatives' petty payment methods, which is connected to a remote by a first mobile device, and establishes a kinship relationship with petty recipients at the remote end The first mobile device performs the following steps: reading a sender's information and a commonly used account information; automatically providing an amount of information based on the commonly used account information and providing manual re-editing of the amount information; sending the sender The data, the common account information and the amount information are transmitted to the remote end for confirmation and deduction; and the petty cash recipient is notified of the amount information and related detailed information.

According to the above method, the first mobile device establishes the kinship information with the petty recipient before the remote end, and then the first mobile device reads the built-in sender information and automatically provides it according to the commonly used account information The amount information, and the amount information can be re-edited manually, the first mobile device sends the sender data, the commonly used account information, and the amount information to the remote end for confirmation, debit, and the remote end applies the The amount information and related detailed information are sent to the petty recipient in real time; the petty money is distributed to relatives in a real-time semi-automated manner to facilitate the management of relatives' financial management and money usage.

Another major technical means adopted to achieve the above-mentioned purpose is to make the aforementioned payment system for effective control of relatives' petty money include: an application server, which stores most user data, and is connected to the network; a financial institution server, which is Connected to the network; a first mobile device, connected to the application server and the financial institution server through the network, and establishing kinship information containing pocket money recipients on the application server; a second operation Device, which is connected to the application server through the network; wherein the first mobile device reads a sender's data and automatically provides an amount of information based on the usual account information of a petty cash recipient, and can be manually re-edited The amount information; the first mobile device transmitting the sender data, the commonly used account information, and the amount information to the application server, the financial institution server for confirmation and deduction according to a confirmation instruction; and by the application The server directly sends the amount information and related detailed information to the second mobile device.

According to the above system, the first mobile device is connected to the application server and the financial institution server through a network, and the kinship information is established in advance on the application server, and when the first mobile device reads the sender Data, and automatically provide the amount information according to the commonly used account information, and the amount information can be manually re-edited, the first mobile device according to the confirmation instruction entered by the petty sender sends the sender information, the commonly used account information And the amount information is sent to the application server and the financial institution server for confirmation and deduction, and the first mobile device sends the common account information and the amount information to the application server, and the application server sends The amount information and related detailed information are directly sent to the second mobile device for the petty recipient to hold the second mobile device to understand the petty money and real-time information given by loved ones; in this way, the petty money is distributed in an instant semi-automated manner Relatives, in order to facilitate the management of relatives' financial management and use of money.

For a preferred embodiment of a payment system for effectively controlling relative petty cash according to the present invention, please refer to FIG. 1, which includes a first mobile device 10 for a petty sender and a second behavior for a petty recipient. The device 20 and a remote end 30. In this embodiment, the remote end 30 includes an application server 40 and a financial institution server 50. The first mobile device 10 and the second mobile device 20 may be respectively A smartphone, a tablet, a laptop, or a smart TV.

The application server 30 stores most user data. The first mobile device 10 is connected to the application server 40 and the financial institution server 50 through a network, and establishes a petty money receipt on the application server 40. The second mobile device 20 also exchanges information with the application server 40 through the network. In the preferred embodiment, the application server 40 can be connected to the financial institution server 50 through the network; the first mobile device 10 can first perform data transmission with the financial institution server 50 through the application server 40 exchange.

As shown in Figures 1 and 2, in the preferred embodiment, petty money senders include parents, children, relatives, etc. Petty money recipients also include parents, children, relatives, etc. When petty money senders (such as children, Fart child) wants to send money to petty recipients (such as parents, mothers), the petty sender holds the first mobile device 10 and executes an application on the first mobile device 10, and A homepage reads a sender's information and a petty cash recipient's common account information, and automatically provides an amount of information based on the petty cash recipient's common account information, and the amount information can be manually re-edited.

In this preferred embodiment, the sender information includes a virtual card information and an instant reminder information, the instant reminder information includes a text information, a symbol information or a graphic information, the instant reminder information is sent by pocket money Input directly on the first mobile device 10. The common account information includes a nickname information, a transfer bank information, and a transfer account information.

In this preferred embodiment, the first mobile device 10 performs data exchange through the application server 40 to further determine whether the petty sender has a record of petty money. If there is a record of petty money, then Automatically bring out the last entered amount information and commonly used account information. If there is no record of petty money, the first mobile device 10 provides the petty sender the ability to add another commonly used account information and enter another amount of information .

In this preferred embodiment, when the petty sender adds another commonly used account information, the petty sender manually enters a nickname information, a transfer bank information and a transfer account information.

When the common account information and the amount information are all set and confirmed, the first mobile device 10 according to a confirmation instruction inputted by the petty sender sends the virtual card information of the sender information, the common account information and the amount. The information is transmitted to the financial institution server 50 for confirmation and debit, and the commonly used account information, the instant reminder information of the sender information, and the amount information are sent to the application server 40 for confirmation.

As shown in FIG. 2, after the application server 40 and the financial institution server 50 confirm and complete the deduction, the application server 40 directly sends the amount information and related detailed information to the second mobile device 20, The second mobile device 20 is used by the recipient of petty money to understand the petty money and real-time information given by a loved one; in this preferred embodiment, before the petty sender enters the confirmation instruction on the first mobile device 10, A time-limit input procedure is further provided. When the petty sender does not complete the input of the confirmation instruction within a period of time, it returns to the homepage of the application of the first mobile device 10.

In this preferred embodiment, after the petty cash sender enters the confirmation instruction on the first mobile device 10, a transaction result page 11 is further provided, and petty cash senders (such as children, farts) can pass through the first A mobile device 10 previews the amount information 101 and a related detailed information 102. The related detailed information 102 includes instant reminder information of the sender's information and nickname information of the commonly used account information. Further, as shown in FIG. 2, a sharing function key 111 is provided on the transaction result page 11, and a text sharing function or a picture sharing function is performed through the sharing function key 111; through the instant reminder information and the relevant detailed information 102 In order to increase the way of communication, interaction and emotional expression among relatives, and to send pocket money to relatives through the instant semi-automated method of the present invention, the purpose of facilitating the management of relative financial management and the use of money is achieved.

According to the application method of the foregoing preferred embodiment of the present invention, a payment method for effectively controlling relative petty cash can be further summarized. The first mobile device 10 is connected to the remote end 30, and petty cash is established at the remote end 30 The relative information of the recipient is shown in FIG. 3, and the first mobile device 10 performs the following steps: reading a sender's information and a commonly used account information (S31); automatically providing an amount based on the commonly used account information Information and provide manual re-editing of the amount information (S32); sending the sender information, the commonly used account information and the amount information to the remote 30 for confirmation and deduction (S33); and the remote 30 will send The amount information and related detailed information are directly sent to the second mobile device 20 to notify the petty cash recipient of the amount information and related detailed information (S34).

In this preferred embodiment, further, when the above steps are performed to the step of "reading a sender's information and a common account information (S31)", as shown in FIG. 4, the method further includes the following steps: providing a Virtual card information and an instant reminder information (S311), the instant reminder information includes a text information, a symbol information or a graphic information; provide the commonly used account information (S312), the commonly used account information includes a nickname information, a transfer Bank information and transfer account information.

In this preferred embodiment, further, when the above steps are performed to the step of “providing an amount of information automatically based on the commonly used account information and manually re-editing the amount of information (S32)”, as shown in FIG. 4, The method further includes the following steps: judging whether the petty sender has a record of sending petty money according to the commonly used account information (S321); if yes, bring out the last amount information and frequently used account information (S322); if not, It provides a function for the petty sender to add another commonly used account information (S323), and for entering another amount of information (S324).

In this preferred embodiment, further, when the above steps are performed to the step of "transmitting the sender information, the commonly used account information, and the amount information to the remote end for confirmation and debit (S33)", as shown in the figure As shown in FIG. 4, the method further includes the following steps: According to a confirmation instruction inputted by the petty cash sender, the virtual card information of the sender information, the commonly used account information and the amount information are sent to the remote 30 financial institution server. Device 50 (S331) for confirmation and debit; in the preferred embodiment, the virtual card information of the sender information, the commonly used account information and the amount information can be sent to the application server of the remote 30 first. Server 40, and then exchange data with the financial institution server 50 through the application server 40; and send the commonly used account information, instant reminder information of the sender information, and the amount information to the application server 40 of the remote 30 (S332) to confirm.

The present invention enables the sender of the petty cash to instantly express what he wants to express through the instant semi-automated pocket money distribution method through the first mobile device 10 and the second mobile device 20 of the above preferred embodiment. Gold recipients not only facilitate the management of relatives' financial management and use of money, but also can use the instant reminder information to increase the way of communication, interaction and emotional expression among relatives.

10‧‧‧ the first mobile device

20‧‧‧Second mobile device

30‧‧‧ distal

40‧‧‧ Application Server

50‧‧‧Financial Institution Server

FIG. 1 is a system architecture diagram of a preferred embodiment of the present invention. FIG. 2 is an application state diagram of a preferred embodiment of the present invention. FIG. 3 is a flowchart of a payment method according to a preferred embodiment of the present invention. FIG. 4 is a flowchart of another payment method according to a preferred embodiment of the present invention.

Claims (8)

An effective method for controlling relatives' petty money payment is to connect a first mobile device with a remote end, and establish kinship information containing petty money recipients at the remote end, and the first mobile device performs the following steps : Read a sender's data and a frequently used account information; according to the commonly used account information, automatically provide an amount of information and provide manual re-editing of the amount information; send the sender's information, the commonly used account information and the amount information to The remote end confirms and debits; and notifies a petty cash recipient of the amount information and related detailed information; when the above steps are performed to "send the sender information, the commonly used account information and the amount information to the remote end "Confirm, charge" step, the method further includes the following steps: according to a confirmation instruction, the virtual card information, the commonly used account information and the amount information are sent to a remote financial institution server; The account information, the instant reminder information, and the amount information are sent to an application server at the remote end; An application program is executed on the mobile device, and a time-limited input procedure is further provided before the confirmation instruction is input on the first mobile device. When the petty sender does not complete the input of the confirmation instruction within a time information, it returns to the first A homepage of an application of a mobile device; after entering the confirmation instruction on the first mobile device, a transaction result page is further provided to preview the amount information and related detailed information. As described in claim 1, the effective method of controlling relatives' petty money payment method, when the above steps are performed to the step of "reading a sender information, a commonly used account information", the method further includes the following steps: provide a virtual card information and An instant reminder information; provide the commonly used account information, the commonly used account information includes a nickname information, a transfer bank information and a transfer account information. As described in claim 1, the effective method for controlling relatives' petty money payment method, when the above steps are performed to the step of "automatically provide an amount of information based on the commonly used account information and provide manual re-editing of the amount of information", the method further includes The following steps: determine whether the sender of the petty cash has a record of petty money according to the commonly used account information; if so, bring out the last entered amount information and frequently used account information. As described in claim 1, the effective method for controlling relatives' petty money payment method, when the above steps are performed to the step of "automatically provide an amount of information based on the commonly used account information and provide manual re-editing of the amount of information", the method further includes The following steps: determine whether the sender of the petty cash has a record of pocket money according to the commonly used account information; if not, provide another commonly used account information and enter another amount of information. As described in claim 3, the effective method for controlling relatives' petty money payment method, when the above steps are performed to the step of "determining whether petty money senders have a record of spending petty money according to the common account information", the method further includes the following steps: If not, provide another commonly used account information and enter another amount of information. As described in any one of claims 1 to 5, the effective control of relatives' petty money payment method, the instant reminder information includes a text information, a symbol information or a graphic information. A payment system for effectively controlling relatives' petty cash includes: an application server that stores most user data and is connected to the network; a financial institution server that is connected to the network; a first mobile device; The network is connected to the application server and the financial institution server, and kinship information containing petty cash recipients is established on the application server; a second mobile device is connected to the application server through the network; Wherein, the first mobile device reads a sender's information and automatically provides an amount of information based on the usual account information of a petty cash recipient, and can manually re-edit the amount information; the first mobile device according to a confirmation Instructions to send the sender information, the commonly used account information, and the amount information to the application server and the financial institution server for confirmation and debit; and the application server directly sends the amount information and related detailed information To the second mobile device; wherein an application is further executed on the first mobile device, and input is performed on the first mobile device Before confirming the instruction, a time-limited input procedure is further provided. When the petty sender does not complete the input of the confirmation instruction within a time information, it returns to a home page of the application of the first mobile device; on the first mobile device After entering the confirmation instruction, a transaction result page is further provided to preview the amount information and related detailed information. The payment system for effectively controlling relatives' petty cash as described in claim 7, further reads the sender information, the common account information on the homepage of the application, and provides the amount information according to the common account information.