TWM580749U - Financial transaction system and financial service device - Google Patents

Abstract

A financial transaction system includes a mobile device for transmitting a connection request, and a financial service device including an online transaction module for storing a plurality of account identification codes and a plurality of machine numbers, and a plurality of automatic teller modules, the online transaction module receives a connection request sent from the mobile device, and compares the account identification code indicated by the connection request, and when the comparison is successful, the mobile device searches for the automatic by Bluetooth. One of the teller modules, when the mobile device is successfully connected to one of the automatic teller modules, and when the online transaction module compares the successful pairing result with respect to the connection, the stored machine is corresponding to the stored One of the numbers, the online transaction module transmits at least one consumer message to the mobile device.

Description

Financial transaction system and financial service device

The present invention relates to a commercially available data processing system, and more particularly to an online banking.

With the rapid development of the electronic information industry, existing financial transaction related services can also be used through mobile phones to match the Internet. However, in terms of specific services, it is still necessary to deduct the handling fee (for example, transfer), and the financial industry is concerned with improving customer use. The degree of preference for financial services has come up with different dividend-rewarding schemes. Therefore, how to replace labor-providing different financial service schemes with automation is the future research direction of financial technology.

One of the purposes of the present invention is to provide a financial transaction system that increases the consumer's additional bonus payments by using automated financial transaction services.

Thus, the novel financial transaction system includes a financial service device and a mobile device.

The financial service device includes an online transaction module and a plurality of automatic teller modules. The online transaction module stores a plurality of account identification codes and a plurality of machine numbers, and the automatic teller modules respectively correspond to the machine table. Numbering.

The mobile device is configured to communicate with the financial service device.

When the online transaction module receives a connection request sent by the mobile device via the Internet, the connection request indicates that the mobile device corresponds to an account identification code, and the online transaction module instructs the account according to the connection request The identification code is compared with the stored account identification code. When the online transaction module matches the account identification code and one of the stored account identification codes, the mobile device searches for the Bluetooth communication protocol. One of the automatic teller modules, when the mobile device is successfully connected to one of the automatic teller modules, the mobile device returns a pairing result to the online transaction module, and the pairing result indicates that the mobile device is connected The machine number corresponding to the successful ATM module. When the online transaction module compares the machine number indicated by the matching result with one of the stored machine numbers, the online transaction module Transmitting at least one consumer message to the mobile device, the at least one consumer message being related to at least one merchant within a specific range from the automated teller module.

Moreover, another object of the present invention is to provide a financial service device that increases the consumer's additional bonus payment by using an automated financial transaction service.

Thus, the new financial service device is adapted to communicate with a mobile device, including an online transaction module, and a plurality of automatic teller modules.

The online trading module stores a plurality of account identification codes and a plurality of machine numbers.

These automatic teller modules are respectively corresponding to the machine number.

When the online transaction module receives a connection request sent by the mobile device via the Internet, the connection request indicates that the mobile device corresponds to an account identification code, and the online transaction module instructs the account according to the connection request The identification code is compared with the stored account identification code. When the online transaction module matches the account identification code and one of the stored account identification codes, the mobile device searches for the Bluetooth communication protocol. One of the automatic teller modules, when the mobile device is successfully connected to one of the automatic teller modules, the mobile device returns a pairing result to the online transaction module, and the pairing result indicates that the mobile device is connected The machine number corresponding to the successful ATM module. When the online transaction module compares the machine number indicated by the matching result with one of the stored machine numbers, the online transaction module Transmitting at least one consumer message to the mobile device, the at least one consumer message being related to at least one merchant within a specific range from the automated teller module.

The function of the new model is that when the online transaction module is successfully connected to the mobile device, and the online transaction module compares the number of the machine corresponding to the automatic player module successfully paired with the mobile device, the number of the machine is stored. When the machine number is one of the number, the online transaction module transmits the consumption message of the at least one merchant within the specific range of the automatic teller module to the mobile device, and the related financial service is used by the user through the financial transaction system. Previously, you can enjoy additional consumer services and increase your willingness to use the financial trading system.

Referring to FIG. 1, an embodiment of the present financial transaction system includes a mobile device 2 and a financial service device 3.

The mobile device 2 is in communication with the financial service device 3.

The financial service device 3 includes an online transaction module 31 and a plurality of self-container modules 32. The online transaction module 31 stores a plurality of account identification codes and a plurality of machine numbers. The automatic teller modules 32 respectively The machine number should be equal.

In detail, the online transaction module 31 has a bank server 311, a database 312, and a transaction host 313. The bank server 311 provides an online banking application (APP: Application) for the The mobile device 2 downloads and communicates with the bank server 311 in conjunction with the online banking application. The database 312 stores the account identification codes and the machine numbers for the bank server 311 to perform account identification. And comparing the code and the machine number, the transaction host 313 is configured to perform a financial transaction, and receive and compare a pairing result related to the mobile device 2 via the bank server 311, and provide at least one related consumption message. And via the bank server 311 to the mobile device 2.

The database 312 also stores a plurality of account data corresponding to the account identification codes, and each account data includes a savings amount. When the transaction host 313 performs a financial transaction, the account information corresponding to the account identification code is The deposit amount will be executed by the transaction host 313 to perform a corresponding modification transaction. In addition, each account data further includes an activity point, and when the bank server 311 determines that the transaction host 313 performs a transfer on the transfer information corresponding to one of the account identification codes. Upon success, the bank server 311 increases the number of activity points of the account data corresponding to the account identifier, as will be described in detail later.

Each of the automated teller modules 32 includes an automated teller machine 321 corresponding to one of the machine numbers, and a short-range communication device 322 disposed at the automated teller machine 321. The short-range communication device 322 records the automated teller machine. 321 corresponds to the machine number and is used for Bluetooth connection with the mobile device 2. In this embodiment, the short-range communication device 322 is a communication device using Bluetooth low energy (BLE) technology, for example, : Beacon, which can record the machine number of the corresponding automatic teller machine 321 and is read by the mobile device 3.

With reference to FIG. 2, an activity triggering process performed by the embodiment is further described below, including a login step 411, a Bluetooth enabled step 412, a Bluetooth connection initiation step 413, a backhaul connection result step 414, and a Receive activity message step 415.

The login step 411 is to log in to the banking server 311 by the mobile device 2 through the mobile device 2, and further describe the login procedure: the user sends the mobile banking application to the mobile banking application. The connection request is sent to the bank server 311, and the connection request indicates the account identification code corresponding to the mobile device 2, that is, the user's account identification code. When the bank server 311 receives the connection request, according to the connection The account identification code indicated by the request is compared with a plurality of account identification codes stored in the database 312, and the bank server 311 agrees to the connection request when the comparison with one of the account identification codes is met. That is, the mobile device 2 is successfully connected to the bank server 311.

The step of enabling the Bluetooth function 412 is to enable the user to turn on the Bluetooth connection function of the mobile device 2.

The step of initiating the Bluetooth connection 413 is to start searching for a certain range of the automatic teller module 32 within a certain range after the Bluetooth connection function of the mobile device 2 is turned on. If the search result is no, the Bluetooth is terminated. search.

The backhaul connection result step 414 is that if the search result is yes, the mobile device 2 reads the machine number stored by the short-distance communication device 322 of the connected automatic teller module 32, and cooperates with the online bank. The application transmits the read machine number to the bank server 311.

The receiving activity message step 415 is when the bank server 311 receives the machine number and compares one of the machine numbers stored in the database 312, the bank server 311 is based on the machine. The station number determines the location of the automated teller machine 321 and transmits at least one consumer message to the mobile device 2 in conjunction with the online banking application, the at least one consumer message being within a certain range of the location of the automated teller machine 321 At least one merchant's consumption discount activity message, so that the user can enjoy the consumer discount service provided by the merchant who cooperates with the banker before using the related financial transaction through the automated teller machine 321 to attract the user to use the preference.

Referring to FIG. 3, a first transfer process executed by the embodiment after performing the activity triggering process is further described below, including a transfer step 421, a discriminating transfer result step 422, and an increase point step 423.

The transfer step 421 is performed by the user carrying the online banking application via the mobile device 2, and the bank server 311 receives the relevant information sent by the user via the online banking application carried by the mobile device 2. Transfer a transfer instruction of the service, and transfer the transfer instruction to the transaction host 313, and the transaction host 313 transfers the account identification code corresponding to the mobile device 2 according to the transfer instruction, and the transfer is defined as corresponding to the account identification code The amount of savings in the account information changes.

The discriminating transfer result step 422 is that after the transaction host 313 performs the transfer completion, the bank server 311 determines whether the transfer is successful. The specific judgment manner is that after the transaction host 313 performs the transfer, a code is returned to the bank server 311. For example: 0000, when the bank server 311 determines that the received code is the same as the preset code, for example: 0000, the transfer is successful.

The step of increasing the number of points 423 is that after the bank server 311 determines that the transaction host 313 has successfully transferred the account, the bank server 311 increases the number of activity points of the account data corresponding to the account identification code. Specifically, the number of activity points is available. Users enjoy consumption discounts, credit card bonuses, etc. when they have a business with a banker.

Referring to FIG. 4, a second transfer process executed by the embodiment after executing the activity triggering process is further described, including a transfer step 431, a discriminating transfer result step 432, a trigger gesture activity step 433, and a discriminating process. Gesture step 434, and an add point step 435.

It should be noted that the specific steps of the transfer step 431 and the discriminating transfer result step 432 of the second transfer process are the same as the transfer step 421 and the discriminating transfer result step 422 of the first transfer process, respectively, and therefore no longer Narration.

The trigger gesture activity step 433 is that after the bank server 311 determines that the transaction host 313 has successfully transferred the account, the bank server 311 cooperates with the online banking application to trigger a gesture comparison activity, and displays it on the mobile device 2 The touch screen, more specifically, the gesture matching activity for the bank server 311 cooperates with the online banking application to prompt a graphic comparison message on the touch screen of the mobile device 2, and the prompted graphic can be For the English letters, numbers, or other simple geometric figures, the user then touches and slides on the touch screen of the mobile device 2 according to the displayed trajectory of the English alphabet or number, and the touch screen of the mobile device 2 The graphic signal corresponding to the user when the user touches the sliding is touched.

The discriminating gesture step 434 is used by the bank server 311 to determine whether the signal corresponding to the touch screen is displayed with the English letter or number of the touch screen of the mobile device 2 when the user slides with the finger. Similarly, it should be noted that the specific technology of the discriminating gesture step 434 is now applied to the redemption activity of the mobile payment software, and the user must follow the action payment software to display the text or graphic template on the touch screen of the mobile device. Try to draw the same symbol on the text or graphic template in an overlapping manner. If the symbol matches the text or graphic template, the user's mobile payment account can obtain the red envelope bonus of the mobile payment software sponsorship.

The step of increasing the number of points 435 is when the bank server 311 cooperates with the network platform application to determine that the signal generated by the touch screen is the same as the English letter or number displayed on the touch screen of the mobile device 2, and responds to the relevant The message to the bank server 311 causes the bank server 311 to increase the number of activity points of the account data corresponding to the account identifier.

In the above embodiment, after the user successfully connects to the bank server 311 of the online transaction module 31 through the mobile device 2, the user then turns on the Bluetooth function through the mobile device 2 to search for an automatic teller module 32. After searching for one of the Bluetooth connections, the mobile device 2 transmits the successfully connected message to the bank server 311 through the online banking application, and the returned message indicates the automatic teller module 32. The machine number of the automatic teller machine 321 is such that the bank server 311 can determine the location of the mobile device 2 according to the machine number, and then transmit the consumption promotion information provided by the partner merchant near the location thereof to remind the user for the user. Before using the financial transaction service provided by the bank, the consumer promotion activity of the merchant cooperated with the bank can be enjoyed. In addition, when the user then uses the mobile device to use the transfer service with the mobile device 2, and the transfer is successful, the bank server 311 That is, the number of activity points of the corresponding account after the user logs in to the online bank through the mobile device 2 is increased, so that the user can click on the activity point. The other method is that after the transfer is successful, the bank server 311 first triggers a simple gesture comparison activity and displays it on the touch screen of the mobile device 2, when the user inputs the corresponding bank server. After the □ 311 comparison is successful, the number of activity points of the corresponding account after the user logs in to the online banking application through the mobile device 2 is increased to enhance the fun of use.

In summary, the above embodiment succeeds in that the online transaction module is successfully connected to the mobile device, and the machine number corresponding to the automatic teller module successfully paired with the mobile device is compared to the plurality of machines stored therein. When the station number is one of the numbers, the online transaction module transmits the related consumption message of the at least one merchant within a certain range of the automatic teller module to the mobile device, before the user uses the related financial service through the financial transaction system, that is, You can receive additional consumer discount service messages. When users hold the consumer message to the merchants, they can enjoy the discount on consumption, which greatly enhances the user's willingness to use the financial trading system.

However, the above is only the embodiment of the present invention, and when it is not possible to limit the scope of the present invention, all the simple equivalent changes and modifications according to the scope of the patent application and the contents of the patent specification are still This new patent covers the scope.

2‧‧‧Mobile devices  3‧‧‧Financial service installation  31‧‧‧Online Trading Module  311‧‧‧Bank server  312‧‧‧Database  313‧‧‧ trading host  32‧‧‧Automatic Teller Module  321‧‧‧Automatic Teller Machine  322‧‧‧Short-range communication device  411‧‧‧ Login Steps  412‧‧‧Open Bluetooth function steps  413‧‧‧Start Bluetooth connection steps  414‧‧‧Return connection results step  415‧‧‧Receive event message steps  421‧‧‧Transfer steps  422‧‧‧Determination of transfer result steps  423‧‧‧Add points step  431‧‧‧Transfer steps  432‧‧‧Determination of transfer result steps  433‧‧‧Trigger gesture activity steps  434‧‧‧Difference gesture steps  435‧‧‧Add points step

Other features and effects of the present invention will be apparent from the following description of the drawings, in which:  Figure 1 is a block diagram showing an embodiment of the novel financial transaction system;  2 is a flow chart illustrating an activity triggering process performed by the embodiment;  Figure 3 is a flow chart for explaining a first transfer process performed by the embodiment; and  Figure 4 is a flow chart to assist in a second transfer process performed by the embodiment.  

Claims (12)

A financial trading system comprising:  a mobile device, configured to send a connection request, the connection request indicating that the mobile device corresponds to an account identification code; and  a financial service device, in communication with the mobile device, comprising an online transaction module storing a plurality of account identification codes and a plurality of machine numbers, and a plurality of automatic teller modules respectively corresponding to the machine number.  When the online transaction module receives the connection request sent by the mobile device, the online transaction module performs comparison with the stored account identification code according to the account identification code indicated by the connection request.  When the online transaction module matches the account identification code and one of the stored account identification codes, the mobile device searches for one of the automatic teller modules by using a Bluetooth protocol.  When the mobile device is successfully connected to one of the automatic teller modules, the mobile device returns a pairing result to the online transaction module, and the pairing result indicates that the automatic teller module is successfully connected to the mobile device. Corresponding machine number, when the online transaction module matches the machine number indicated by the pairing result and one of the stored machine numbers, the online transaction module transmits at least one consumption message to the action The device, the at least one consumer message is related to at least one merchant within a specific range from the automated teller module.   The financial transaction system of claim 1, wherein the online transaction module has a bank server, a database, and a transaction host, and the bank server is configured to communicate with the mobile device and perform account identification. a code comparison, the database stores the account identification code and the machine number, the transaction host is used for conducting a financial transaction, and receiving and comparing the pairing result via the bank server, and providing the at least one consumer message And transmitted to the mobile device via the bank server. The financial transaction system of claim 2, wherein the database further stores a plurality of account data respectively corresponding to the account identification code, and each account data includes a savings amount, when the mobile device receives the at least one consumption After the message, the mobile device sends a transfer instruction to the bank server, and the bank server transmits the transfer instruction to the transaction host, and the transaction host transfers the account identification code corresponding to the mobile device according to the transfer instruction, and transfers the account. It is defined as a change in the amount of savings in the account data corresponding to the account identifier. The financial transaction system of claim 3, wherein each account data further includes an activity point, and when the bank server determines that the transaction host performs the transfer successfully, the bank server increases the account corresponding to the account identifier The number of activity points of the data. The financial transaction system of claim 3, wherein each account data further includes an activity point, and when the bank server determines that the transaction host performs the transfer successfully, the bank server triggers a graphic comparison message, The mobile device provides a graphic signal to the bank server according to the graphic comparison message. When the bank server matches the graphic signal and the graphic comparison message, the banking server increases the account data corresponding to the account identification code. Activity points. The financial transaction system of claim 3, wherein each of the automatic teller modules each includes an automatic teller machine corresponding to one of the machine numbers, and a set in the automatic teller machine, recording the corresponding corresponding to the automatic teller machine The machine number and the short-range communication device for Bluetooth connection with the mobile device. A financial service device adapted to communicate with a mobile device, comprising:  An online trading module that stores multiple account identification numbers and multiple machine numbers; and  Most of the automatic teller modules are corresponding to the machine number.  When the online transaction module receives a connection request sent by the mobile device via the Internet, the connection request indicates that the mobile device corresponds to an account identification code, and the online transaction module instructs the account according to the connection request The identification code is compared with the stored account identification code. When the online transaction module matches the account identification code and one of the stored account identification codes, the mobile device searches for the Bluetooth communication protocol. One of the automatic teller modules, when the mobile device is successfully connected to one of the automatic teller modules, the mobile device returns a pairing result to the online transaction module, and the pairing result indicates that the mobile device is connected The machine number corresponding to the successful ATM module. When the online transaction module compares the machine number indicated by the matching result with one of the stored machine numbers, the online transaction module Transmitting at least one consumer message to the mobile device, the at least one consumer message being related to at least one merchant within a specific range from the automated teller module.   The financial service device of claim 7, wherein the online transaction module comprises a bank server, a database, and a transaction host, the bank server is configured to communicate with the mobile device and perform account identification. a code comparison, the database stores the account identification code and the machine number, the transaction host is used for conducting a financial transaction, and receiving and comparing the pairing result via the bank server, and providing the at least one consumer message And transmitted to the mobile device via the bank server. The financial service device of claim 8, wherein the database further stores a plurality of account materials respectively corresponding to the account identification codes, and each account data includes a savings amount, when the mobile device receives the at least one consumption After the message, the mobile device sends a transfer instruction to the bank server, and the bank server transmits the transfer instruction to the transaction host, and the transaction host transfers the account identification code corresponding to the mobile device according to the transfer instruction, and transfers the account. It is defined as a change in the amount of savings in the account data corresponding to the account identifier. The financial service device of claim 9, wherein each account data further includes an activity point, and when the bank server determines that the transaction host performs the transfer successfully, the bank server increases the account corresponding to the account identifier The number of activity points of the data. The financial service device of claim 9, wherein each account data further includes an activity point, and when the bank server determines that the transaction host performs the transfer successfully, the bank server triggers a graphical comparison message, the action The device provides a graphic signal to the bank server according to the graphic comparison message. When the bank server matches the graphic signal and the graphic comparison message, the bank server increases the account data corresponding to the account identification code. Activity points. The financial service device of claim 11, wherein each of the automatic teller modules each includes an automatic teller machine corresponding to one of the machine numbers, and is disposed at the automatic teller machine, and records the corresponding corresponding to the automatic teller machine. The machine number and the short-range communication device for Bluetooth connection with the mobile device.