TWI724562B - Wire transfer device and wire transfer method - Google Patents

Abstract

A wire transfer device and a wire transfer method are provided. The wire transfer device includes a processor, a storage medium, and a transceiver. The storage medium stores a plurality of modules. The processor is coupled to the storage medium and the transceiver, and access and executes the plurality of modules, wherein the plurality of modules include a database module and a transaction module. The database module stores a historical transaction record corresponding to a payee and a payer. The transaction module receives, via the transceiver, transaction information including a payee’s phone number and a payer’s phone number, and executes a transfer transaction for the payee and the payer according to the to the transaction information in response to the transaction information is matched to the historical transaction record.

Description

Online transfer device and online transfer method

This disclosure relates to an online transfer device and an online transfer method.

With the popularization of smart devices, many banks have launched services that allow customers to transfer money using text messages or emails. However, there are endless incidents of smart devices being implanted with Trojan horses or being hacked. In other words, there may be security concerns about the method of transferring funds using text messages or emails. Therefore, to propose a transfer method that is convenient for users to perform transfer transactions while maintaining good security is one of the goals of those skilled in the art.

The present disclosure provides an online transfer device and an online transfer method, which can facilitate personnel to conduct transfer transactions and maintain good security.

The online transfer device disclosed in the present disclosure includes a processor, a storage medium, and a transceiver. The storage medium stores multiple modules. The processor is coupled to the storage medium and the transceiver, and accesses and executes a plurality of modules, wherein the plurality of modules include a database module and a transaction module. The database module stores historical transaction records corresponding to the payee and the payer. The transaction module receives transaction information including the phone number of the payee and the phone number of the payer through the transceiver, and executes the transfer transaction for the payee and the payer according to the transaction information in response to the matching of the transaction information and the historical transaction record.

In an embodiment of the present disclosure, the aforementioned historical transaction record indicates that the payee agrees to the payer to perform an online transfer transaction between the payee and the payer based on the payee's phone number and the payer's phone number.

In an embodiment of the present disclosure, the aforementioned transaction module sends an inquiry message through the transceiver to inquire whether the payee and the payee complete historical transfer transactions based on the payee’s phone number and the payee’s phone number. It is agreed that the payer performs online transfer transactions based on the payee's phone number and the payer's phone number to generate historical transaction records.

In an embodiment of the present disclosure, the above-mentioned transaction module sends a reminder message through the transceiver to notify the payer to collect the payment after the transfer transaction is completed.

In an embodiment of the present disclosure, the above-mentioned transaction module sends a prompt message through short message.

In an embodiment of the present disclosure, the above-mentioned transaction module agrees that the terminal device receives the payment for the transfer transaction in response to the terminal device matching the phone number of the payee.

The online transfer method disclosed in this disclosure includes: storing historical transaction records corresponding to the payee and payer; receiving transaction information including the payee’s phone number and the payer’s phone number; and responding to the matching of the transaction information and the historical transaction record. Perform transfer transactions for the payee and payer based on the transaction information.

Based on the above, the online transfer device of the present disclosure can verify whether the transfer transaction is executed through the phone number, so that the transfer transaction becomes more convenient and safer.

In order to make the content of this disclosure easier to understand, the following embodiments are specifically cited as examples on which this disclosure can indeed be implemented. In addition, wherever possible, elements/components/steps with the same reference numbers in the drawings and embodiments represent the same or similar parts.

FIG. 1 illustrates a schematic diagram of an online transfer device 100 according to an embodiment of the disclosure. The online money transfer device 100 includes a processor 110, a storage medium 120, and a transceiver 130. In this disclosure, the online transfer device 100 belongs to a financial institution or a bank, for example.

The processor 110 is, for example, a central processing unit (CPU), or other programmable general-purpose or special-purpose micro control unit (MCU), microprocessor, or digital signal processing Digital signal processor (DSP), programmable controller, application specific integrated circuit (ASIC), graphics processing unit (GPU), arithmetic logic unit (ALU) , Complex programmable logic device (CPLD), field programmable gate array (FPGA) or other similar components or a combination of the above components. The processor 110 may be coupled to the storage medium 120 and the transceiver 130, and access and execute a plurality of modules stored in the storage medium 120.

The storage medium 120 is, for example, any type of fixed or removable random access memory (RAM), read-only memory (ROM), or flash memory. , Hard disk drive (HDD), solid state drive (SSD) or similar components or a combination of the above components, which are used to store multiple modules or various application programs that can be executed by the processor 110. In this embodiment, the storage medium 120 can store multiple modules including a database module 121 and a transaction module 122, the functions of which will be described later.

The transceiver 130 transmits and receives signals in a wireless or wired manner. The transceiver 130 may also perform operations such as low noise amplification, impedance matching, frequency mixing, up or down frequency conversion, filtering, amplification, and the like.

The database module 121 is used to store historical transaction records corresponding to the payee and the payer. For example, if the payee and the payer have used transaction information including the payee's phone number and the payer's phone number to perform a historical transfer transaction, after the historical transfer transaction is completed, the transaction module 122 may use the transceiver 130 Send an inquiry message to the payer (for example: send an inquiry message to the payer’s terminal device through the app) to ask the payee whether the payer agrees that the payer can transfer money to the payer online based on the payee’s phone number and the payer’s phone number . After the transaction module 122 receives the response message representing the payer's consent to the inquiry message through the transceiver 130, the transaction module 122 will generate historical transaction records and store the historical transaction records in the database module 121, among which the historical transaction records Instruct the payee to agree to the payer's online transfer transaction based on the payee's phone number and the payer's phone number.

The transaction module 122 can receive the transaction information including the payee's phone number and the payer's phone number through the transceiver 130. For example, when the payer wants to transfer money to the payee, the payer can input transaction information including the transaction amount and the payee’s phone number into the payer’s terminal device, and transmit the transaction information through the terminal device Give the transceiver 130. After the transaction module 122 obtains the transaction information through the transceiver 130, the transaction module 122 can identify the source of the transaction information through the transaction information, thereby obtaining the information of the payer's phone number (for example, the transaction module 122 can use the transceiver 130 Confirm with the carrier the phone number corresponding to the SIM card from which the transaction information is sourced). Therefore, in addition to the transaction amount and the payee's phone number, the transaction information may also include information about the payer's phone number.

After obtaining the transaction information including the transaction amount, the payee's phone number, and the payer's phone number, the transaction module 122 can compare the transaction information with the historical transaction records stored in the storage medium 120. If the transaction information matches the historical transaction record, it means that the payee has agreed that the payer will transfer funds to the payee based on the payee's phone number and the payer's phone number. In response to the transaction information being matched with the historical transaction record, the transaction module 122 can execute the transfer transaction for the payer and the payee based on the transaction information.

In one embodiment, when the transfer transaction between the payer and the payee is completed (that is, after the payer has successfully transferred the account to the payee’s bank account), the transaction module 122 may send a reminder via the transceiver 130 Message to notify the payee to collect the payment. For example, the transaction module 122 can send a short message service (SMS) message to the terminal device of the payee through the transceiver 130 to notify the payee to log in to an online banking application stored in the storage medium 120, for example Program to collect payments.

In one embodiment, when the payee wants to log in to the online banking application through a terminal device to collect money, the interface of the online banking application will display the phone number corresponding to the terminal device (for example, by the transaction module 122 Confirm the phone number corresponding to the SIM card of the terminal device logging in the online banking application to the carrier through the transceiver 130, and optionally require the payee to enter a preset password (for example, the payee’s ID number) ) To the terminal device for payment. The phone number corresponding to the terminal device must match the phone number of the payee recorded in the historical transaction record stored in the storage medium 120 before the payment can be received. In other words, if the phone number of the terminal device used by the payee does not match the phone number of the payee recorded in the historical transaction record stored in the storage medium 120, the payee will not be able to receive payment through the terminal device. paragraph. In this way, even if the recipient's preset password is unfortunately stolen, the thief will not be able to collect the funds for the transfer transaction through the recipient's preset password.

FIG. 2 shows a flowchart of an online transfer method according to an embodiment of the present disclosure, wherein the online transfer method can be implemented by the online transfer device 100 shown in FIG. 1. In step S201, historical transaction records corresponding to the payee and the payer are stored. In step S202, the transaction information including the phone number of the payee and the phone number of the payer is received. In step S203, in response to a match between the transaction information and the historical transaction record, a transfer transaction is performed for the payee and the payer based on the transaction information.

In summary, the online transfer device disclosed in the present disclosure can verify whether to perform a transfer transaction through a phone number. After the payer and the payee complete a transaction based on the phone numbers of both parties, the online transfer device can ask the payee whether they agree to use the phone numbers of both parties as the basis for the transfer transaction in the future. If the payee agrees, if the payer wants to transfer money to the payee in the future, the payer only needs to enter the payee's phone number on an allowed terminal device, and the payee's phone number can be replaced with the payee's bank Account to make the transfer. In this way, the payer will not need to enter a lengthy bank account number to transfer money smoothly, and neither the payer nor the payee need to confirm the transaction with, for example, a one-time password, thereby avoiding the one-time password being intercepted by hackers. loss.

100: Online transfer device 110: Processor 120: storage media 121: Database Module 122: Trading Module 130: Transceiver S201, S202, S203: steps

FIG. 1 illustrates a schematic diagram of an online transfer device according to an embodiment of the disclosure. FIG. 2 shows a flowchart of an online transfer method according to an embodiment of the disclosure.

100: Online transfer device 110: Processor 120: storage media 121: Database Module 122: Trading Module 130: Transceiver

Claims (5)

An online transfer device includes: a transceiver; a storage medium storing a plurality of modules; and a processor, which is coupled to the storage medium and the transceiver, and accesses and executes the plurality of modules, wherein the The multiple modules include: a database module, which stores historical transaction records corresponding to the payee and the payer; and a transaction module, which receives transaction information including the phone number of the payee through the transceiver, according to the transaction The transceiver confirms the payer's phone number corresponding to the transaction information to the telecommunications provider's server through the transceiver, and responds to the payee phone number and the payer phone number that match the historical transaction record Perform a transfer transaction for the payee and the payer according to the transaction information, wherein the historical transaction record indicates that the payee agrees to the payer based on the payee phone number and the payer The phone number executes the online transfer transaction between the payee and the payer, wherein the transaction module performs the online transfer transaction between the payer and the payee according to the payee phone number and the payer After the historical transfer transaction is completed by the telephone number, an inquiry message is sent through the transceiver to inquire whether the payee agrees to the payer to perform the online transfer transaction based on the payee phone number and the payer phone number, and In response to receiving a response message corresponding to the inquiry message through the transceiver Generate the historical transaction records. According to the online transfer device described in item 1 of the scope of patent application, the transaction module sends a reminder message through the transceiver to notify the payer to collect the payment after the transfer transaction is completed. According to the online transfer device described in item 2 of the scope of patent application, the transaction module transmits the prompt message via SMS. The online transfer device according to the first item of the scope of patent application, wherein the transaction module agrees to the terminal device to receive the money for the transfer transaction in response to a match between the terminal device and the payee phone number. An online transfer method includes: after the payer and the payee complete historical transfer transactions based on the payee’s phone number and the payer’s phone number, sending an inquiry message to ask the payee whether the payer agrees with the payer based on the The payee phone number and the payer phone number perform an online transfer transaction, and generate historical transaction records in response to receiving a response message corresponding to the inquiry message; store information corresponding to the payee and the payer The historical transaction record; receiving transaction information including the phone number of the payee; confirming the phone number of the payer corresponding to the transaction information to the service provider server based on the transaction information; and responding to the receiver The phone number of the payer and the phone number of the payer match the historical transaction record to perform a transfer transaction for the payee and the payer according to the transaction information, wherein the historical transaction record indicates the receiver Party agrees to the The payer executes the online transfer transaction between the payee and the payer based on the payee phone number and the payer phone number.

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