TWM565344U - Fund transfer system - Google Patents

Abstract

A fund transfer system adapted to a mobile communication device comprises: an input module configured to input a part information associated with a receiver, a selection signal, and a transfer information; a record module configured to store a plurality of complete information; a computing module configured to search the plurality of complete information of the record module to generate a list with a plurality of candidate information, wherein the plurality of candidate information are some of the plurality of complete information and each of the plurality of candidate information comprises the part information; the computing module further configured to trigger a transfer request after receiving the selection signal and the transfer information, wherein the selection signal is configured to select at least one of the plurality of candidate information; a secure control module configured to execute a verification procedure according to the transfer request; and a transaction server in communicable connection with the secure control module configured to execute the transfer request after passing the verification procedure.

Description

Transfer system

This creation is about the field of financial services, especially a transfer system and its methods.

The popularity of the Internet has brought many conveniences to human life. In the early days, people need to go out to deal with or apply for the service. Most of them now provide corresponding service websites. People can easily perform the same service through computers connected to the Internet. For example, in the financial industry, online banking provides a variety of trading operations, such as checking account balances, transferring funds, paying fees, and exchanging foreign currency, etc., saving the time for people to visit branches or go to ATMs. Further, the mobile network and the smart mobile phone extend the service provided by the online banking to the mobile communication device of the user, and the public can log in to the mobile banking application (App) provided by the financial institution anytime and anywhere. Bank of the Bank generally uses various financial services conveniently.

However, as far as the transfer transaction is concerned, most of the current mobile banking operations still require the user to manually enter a digital account number of 10 to 16 yards, or set a common transfer agreement account to the bank counter in advance, but The number of agreed account numbers required for the transfer transaction increases, and it is difficult for the user to accurately remember the object represented by each account and quickly find out one or several objects to be transferred from a large number of account lists. .

On the other hand, the security verification provided by most mobile banks is usually a traditional text and digital password or a graphic password. Once the password is snooped by the interested person and the user's mobile communication device is stolen, it is equivalent to letting the financial The account is in an unprepared state, causing unpredictable loss to the user.

In view of this, this creation proposes a transfer system and method for users to obtain complete account information of the recipients by inputting only a small amount of information, and to detect the situation when the user inputs data through the action bank, providing a variety of How to enter an account number.

The transfer system according to an embodiment of the present invention is applicable to a mobile communication device, including: an input module, a recording module, a computing module, a security control module, and a transaction server. The input module is used for inputting segment information, selecting signals and transferring information, wherein the segment information is associated with the payee. The recording module is coupled to the input module and used to record a plurality of complete information. The computing module is coupled to the input module and the recording module, and the computing module is configured to search the plurality of complete information of the recording module according to the segment information to generate a list including a plurality of candidate complete information, wherein the plurality of candidates are complete The information system is a plurality of the plurality of complete information, and the candidate complete information includes the segment information, and the operation module is further configured to trigger the transfer request after receiving the selected signal and the transfer information, wherein the selected signal is used to control the operation mode. The group selects at least one of the plurality of candidate complete information from the list. The security control module is coupled to the input module and the computing module and is configured to execute the verification procedure according to the transfer request. The transaction server communication is connected to the security control module and is used to perform a transfer request after the verification process is passed.

The transfer method according to an embodiment of the present invention is applicable to a mobile communication device, including: input module input segment information, segment information is associated with a payee; and the operation module searches for a plurality of records recorded by the record module according to the segment information. Complete information, and outputting a list including a plurality of candidate complete information, the plurality of candidate complete information being a plurality of the plurality of complete information, and the plurality of candidate complete information including the segment information The input module inputs the selection signal to select at least one of the plurality of candidate complete information from the list; after inputting the selection signal, the input module inputs the transfer information; after inputting the selection signal and the transfer information, the operation module triggers the transfer request; The security control module executes the verification procedure according to the transfer request; after the verification procedure is passed, the transaction server performs the transfer request.

According to the above structure, the transfer system and method thereof disclosed in the present application are applicable to an online bank or a mobile bank running on a mobile communication device, and can provide a transfer payment person to obtain the account number and related information of the payee by means of intelligent input. And can record the behavior trajectory of the transfer payer operating the action bank as a basis for verifying whether the transfer payer is the account owner, thereby enhancing the security and unity of the transfer behavior, and avoiding the additional loss of the account when the mobile phone is stolen.

The above description of the disclosure and the following description of the embodiments are intended to illustrate and explain the spirit and principles of the present invention, and to provide further explanation of the scope of the patent application of the present invention.

The detailed features and advantages of the present invention are described in detail below in the embodiments, which are sufficient to enable any skilled artisan to understand the technical contents of the present invention and implement it according to the contents, the scope of the patent application and the drawings. Anyone familiar with the relevant art can easily understand the purpose and advantages of this creation. The following examples are intended to further illustrate the scope of this creation, but do not limit the scope of the creation in any way.

Please refer to FIG. 1 , which is a structural diagram of a transfer system according to an embodiment of the present invention. The transfer system includes an input module 1 , a recording module 2 , a computing module 3 , a security control module 4 , and a transaction servo . And the context module 6; wherein the input module 1, the recording module 2, the computing module 3, the security module 4, and the context module 6 are located on a mobile communication device 9, the mobile communication The device 9 is, for example, a smart phone or a tablet. In general, the transfer system described in one embodiment of the present invention integrates the hardware components of the mobile communication device 9 itself through the mobile banking application installed on the mobile communication device 9. To achieve the various functions described later.

In an embodiment of the present invention, the input module 1 is a keyboard of the mobile communication device 9 (a physical keyboard or a virtual keyboard presented by a screen of the mobile communication device 9), a touch screen (for handwriting input), a microphone, and The camera, therefore, the input module 1 has a variety of input modes, such as inputting text or numbers with a keyboard, recording a voice with a microphone, or taking an image with a camera. The user can determine the input mode by himself, or the computing module 3 can automatically determine which input mode the user is suitable for. The specific implementation manner of the automatic judgment will be described later in conjunction with the context module 6.

The input module 1 is configured to input a piece of information, a selection signal and a transfer information to the payer operating the mobile communication device 9. In detail, the segment information is associated with the payee. For example, if the payee's complete bank account number is 008-1201-12345, the segment information is part of the account, such as "008", " 201" or "345", etc.; the clip information may also be a part of the payee's phone number, or any text in the payee's name, part of the text in the email address, and so on. This creation does not limit the type of clip information. In practice, the payer generates the segment information of the payee through the input module 1 in one of the plurality of input modes, and the segment information is sent to the computing module 3 in the form of an electronic signal of text, voice or image.

The recording module 2 is used to record a plurality of complete information. Each complete piece of information includes at least the name and account number of the payee, and may include identification information such as a mobile phone number, an email address, a photo of the avatar, and a relationship name with the transfer payer. The complete information is stored in the record module 2 in the form of a database, for example. The record module 2 can also collect various associations generated by the user through the input module 1 during the operation of the mobile banking application. The information of the user is updated to the recording module 2; the recording module 2 can also be connected to the bank server via the mobile communication device 9 to update the complete information. In practice, the recording module 2 is, for example, a hardware storage component on a smart phone, such as a flash memory, a memory card, and the like.

In an embodiment of the present invention, in addition to recording complete information associated with a plurality of payees, the recording module 2 further includes recording a context information associated with the payer. Specifically, the context information is the time, the geographical location, the voice, the image, or the information related to the state of the mobile communication device 9 generated by the context module 6 each time the input module 1 generates the segment information, such as an acceleration signal, an angular velocity signal. Wait. The generation and application of situational information will be described in detail later in the context of the context module 6.

Referring to FIG. 1 and FIG. 2 together, the computing module 3 is coupled to the input module 1 and the recording module 2. The computing module 3 searches the recording module 2 according to the segment information 92 generated by the user through the input module 1, and outputs a list 94. The list includes a plurality of candidate complete information 96, and the candidate complete information 96 includes the segment information 92. For example, the transfer payer only remembers that the payee's account number contains the number "123", but does not remember the full account of the payee. Therefore, the payer passes the input mode in the "Receiver" field. Group 1 inputs the fragment information 92 of "123" as shown in FIG. The computing module 3 instantly finds the plurality of complete information stored in the recording module 2, and enumerates the plurality of candidate complete information 96 corresponding to the segment information 92 of "123". In the list 94, each candidate complete information 96 includes Fragment information 92 "123", as indicated by the bottom line in Figure 2. In addition, in FIG. 2, the cashier account is used as the segment information 92 to display the list 94 and the candidate complete information 96. However, in practice, other types of segment information 92 associated with the payee may be input in the payee field. Any text in the name, a part of the number of the phone number, part of the text of the email address, etc., thereby improving the convenience of the user input. Additionally, the candidate complete information 96 in the above list 94 can dynamically change its presentation order based on the user's past record of the transfer operation. For example, the account that receives the transfer more frequently is placed in the upper position in the list 94, thereby improving the convenience of the transfer payer.

Based on the cooperative processing of the input module 1, the recording module 2 and the computing module, the transfer payer can easily input a small amount of segment information to obtain the complete information of the payee, and reduce the need for the payer to memorize the complete account number. burden. In practice, the computing module 3 is further configured to trigger a transfer request after receiving the selected signal and the transfer information, wherein the selected signal is used to control the computing module 3 to select at least one of the plurality of candidate complete information 96 from the list 94. In detail, after the candidate complete information 96 is presented in the list 94, the transfer payer can select one from the list 94 by inputting a selection signal (for example, input by finger touch or voice recognition) in the input module 1. Or a number of candidate complete information 96 as one or several payees of the transfer, the transfer payer must also enter the transfer amount in the transfer amount field, and the payee account selected by the selected signal and the transfer amount together constitute a transfer News.

The security control module 4 is coupled to the input module 1 and the computing module 3 and configured to execute the verification procedure according to the transfer request. The verification program inputs a password through the input module 1 or inputs a biometric password through a biometric device (for example, a fingerprint sensing device), thereby completing the security verification of the user identity before the transfer.

The transaction server 5 is communicatively connected to the security control module 4, and performs a transfer request after the verification process is passed, thereby completing the transfer operation indicated by the transfer payer.

The situation module 6 is coupled to the recording module 2 and the computing module 3. The context module 6 is, for example, a gyroscope, an accelerometer, a positioning component, a radio component or an imaging component, and the context module 6 is configured to obtain the state of the mobile communication device 9 when the input module 1 generates the segment information. The acquired states include, for example, angular velocity signals, acceleration signals, time, geographic location, voice, video, and the like. The recording module 2 records the context information associated with the payer, and the context information is the state when the user previously generated the segment information through the input module 1. Accordingly, the computing module 3 cross-matches the state acquired by the current context module 6 with the context information recorded by the recording module 2, so as to select the most suitable current user from the plurality of input modes provided by the input module 1. An input mode of state. For example, the computing module 3 sums up from the context information by the machine learning method that "the user's transfer request operated at 12 noon has an 80% chance of inputting voice", so when the situation module 6 senses again In the same state, voice input is automatically enabled, allowing users to quickly complete the transfer. The user can also set the customary situation before performing the transfer operation. For example, after shaking the mobile phone in Taipei City and placing it on the desktop, the handwriting recognition input is started; therefore, if the computing module 3 is from the positioning component, the accelerometer and the gyroscope When the state feature corresponding to the above is obtained, the control input module 1 starts the input mode preset by the user. By the mechanism in which the context module 6 cooperates with the recording module 2 and the computing module 3, the convenience of the user operating the transfer system described in the embodiment of the present invention can be improved, and the user experience is enhanced.

In another embodiment of the present invention, a warning module (not shown) is further included. The warning module is coupled to the security control module 4 for transmitting an alert message to another mobile communication device when the verification procedure fails. The other mobile communication device is, for example, an emergency contact set by the user. It is worth noting that the verification program executed by the security control module can perform the user identity verification based on the password input by the user, and can also be based on the status information provided by the situation module 6 and the situation information recorded by the recording module. Cross-checking is performed to determine whether there is an abnormality in the current transfer request. In the previous example, if the user sends a transfer request in Taipei, but does not shake the phone first to automatically enable handwriting recognition input, but the keyboard input method is used, and the amount of the transfer exceeds the maximum of all previous transfer amounts. The value, so the security module 4 can determine that this is an abnormal state, and send a short message to the emergency contact's mobile phone through the warning module to notify that a possible fraud condition occurs. By the above-mentioned security control module 4 combined with the comprehensive judgment mechanism of the context module 6, the security of the transfer system described in the present creation can be further enhanced.

Please refer to FIG. 3, which is a flowchart of a transfer method according to an embodiment of the present invention. The method is applied to the transfer system introduced in the foregoing, and includes the following steps:

Please refer to step S11: the context module 6 obtains the state of the mobile communication device 9 before the user inputs the segment information. In practice, for example, when the user switches to the mobile banking application, the application facilitates background collection of various status information obtained by the context module.

Please refer to step S12: the recording module 1 obtains the situation information. In practice, the computing module 3 can analyze various context information previously recorded by the recording module 2 when the background is executed, so as to analyze the input modes commonly used by the user and the input states when these input modes are activated. In another embodiment of the present invention, the context information is stored in the cloud space provided by the bank terminal in addition to being stored in the local end of the mobile communication device 9, so that in this step S12, the recording module 2 is in communication. Connect to the cloud space and update or synchronize your situational information.

Please refer to step S13: the computing module 3 controls the input module 1 to provide one of the plurality of input modes according to the state and the context information. For example, the status signal received by the context module 6 through the radio component of the mobile communication device 9 is: “Start Transfer”, the voice command; before this, the context information stored by the recording module 2 includes the user's previous voice. Therefore, the operation module 3 automatically starts the voice input function after determining the voiceprints of both the state and the context information, so as to obtain the segment information that the user next utters.

Please refer to step S21: the user inputs the segment information 92 through the input module 1, and the segment information is associated with a payee. For example, if the user can directly say "transfer account 123", the computing module 3 extracts "123" as the clip information from the middle.

Please refer to step S22: the computing module 3 searches the recording module 2 based on the segment information 92 and outputs the list 94. The list includes a plurality of candidate complete messages 96. As shown in FIG. 2, there are four candidate complete messages 96 in the list 94 that match the segment information 92 of "123."

Please refer to step S23: the input module 1 inputs a selection signal to select at least one of the candidate complete information 96 from the list 94. For example, the user can continue to say: "Transfer to Wu OO, transfer to Zheng XX", and the computing module 3 selects the two payees specified by the user in the list 94 according to the selected signal of the voice input.

Please refer to step S31: after inputting the selection signal, the input module 1 inputs the transfer information, for example, the user can continue to say: "transfer 1000 yuan". The computing module 3 uses the above voice input as the transfer information.

Step S32: After inputting the selection signal and the transfer information, the operation module 3 triggers a transfer request; the security control module 4 receives the transfer request and executes a verification process, for example, requires the user to input a transfer password, or combine The status information previously acquired by the situation module 6 is cross-checked with the situation information stored by the recording module 2 to determine whether the current transfer request is indeed from the user.

Please refer to step S41: after the verification procedure is passed, the transaction server 5 performs a transfer request. For example, the transfer request is synchronously recorded to the transaction server 5 on the bank side, the account balance and transaction information of the transfer payer and the payee are updated, and a push message is sent to the payee's mobile communication device.

Please refer to step S42: when the verification procedure of the security control module 4 is passed, that is, the current transfer request is actually operated by the user himself. Therefore, the recording module 1 stores the state recorded by the current situation module 6 as Situational information, which can improve the accuracy of analyzing the user's usual input mode and corresponding state.

In summary, the transfer system and method disclosed in an embodiment of the present invention can be used for a smart phone or a tablet computer that installs a mobile banking application. Different from the application provided by the traditional bank, the transfer system disclosed in this creation provides a diversified input mode for the transfer payer, and automatically selects the input mode suitable for the user's current state in an intelligent manner; the part that inputs the necessary information for the transfer The transfer system simplifies it by inputting a small amount of clip information to automatically bring out the complete account information of the candidate payee, thereby reducing the inconvenience of the transfer payer needing to memorize a large number of account numbers, and more intelligent learning methods. Optimize the order of the index results to make it easier for the transfer payer to find the object they want to transfer. In addition, the security control module and the verification module provided by the situation module are compared with the traditional digital or graphic password verification mechanism. The transfer system disclosed in the present application can improve the standard of user authentication, but does not increase The user needs to input additional password information, and the context module samples the various states of the mobile communication device, and the calculation module compares with the recording module to obtain the same use by the same user. Input mode and input context, thus improving the security of user identity authentication.

Although the present invention has been disclosed above in the foregoing embodiments, it is not intended to limit the present invention. The changes and refinements that are made without departing from the spirit and scope of this creation are within the scope of patent protection of this creation. Please refer to the attached patent application scope for the scope of protection defined by this creation.

1‧‧‧Input module
2‧‧‧recording module
3‧‧‧ Computing Module
4‧‧‧Security module
5‧‧‧Transaction server
6‧‧‧Scenario Module
9‧‧‧Mobile communication device
92‧‧‧ Clip Information
94‧‧‧list
96‧‧‧ Candidate complete information
S11~S42‧‧‧Steps

1 is a block diagram of a transfer system in accordance with an embodiment of the present invention. 2 is a schematic diagram of a user interface illustrated by a transfer system in accordance with an embodiment of the present invention. FIG. 3 is a flow chart showing a transfer method according to an embodiment of the present invention.

Claims (7)

A transfer system, which is applicable to a mobile communication device, comprising: an input module for inputting a piece of information, a selection signal and a transfer information, wherein the piece of information is associated with a payee; a recording module The computing module is coupled to the input module and the recording module, and the computing module is configured to search the complete information of the recording module according to the segment information to generate the a list of the plurality of candidate complete information, wherein the candidate complete information is a plurality of the complete information and the candidate complete information includes the segment information, and the computing module is further configured to receive the selected signal and The transfer information triggers a transfer request, wherein the selection signal is used to control the computing module to select at least one of the candidate complete information from the list; a security control module coupled to the input module and the operation mode a group for performing a verification procedure according to the transfer request; and a transaction server connected to the security control module for performing the transfer after the verification program is passed . The system of claim 1, further comprising a context module coupled to the recording module and the computing module, wherein: the context module is configured to obtain a state of the mobile communication device; and the recording module is further used The input module further has a plurality of input modes; and the computing module is further configured to control the input module to provide one of the input modes according to the state and the context information. The system of claim 2, wherein the context information includes a time, a geographic location, a voice, and an image each time the input module generates the segment information. The system of claim 2, wherein the context module is a gyroscope or an accelerometer. The system of claim 2, wherein the input module is a keyboard, a microphone or a camera of the mobile communication device, and the input modes include inputting text or numbers with the keyboard, recording voice with the microphone or The camera takes an image. The system of claim 1, wherein the verification program inputs a password through the input module or inputs a biometric password through a biometric device. The system of claim 1, further comprising a warning module coupled to the security control module, the warning module configured to send an alert message to another mobile communication device when the verification program fails.