TWM656236U - Clean bill redemption system - Google Patents

Abstract

A clean bill redemption system includes a user device, a database and a server. The database is configured to store account information for multiple accounts. The user device is configured to provide a user interface, wherein a user inputs user information corresponding to the user, clean bill information and a clean bill image corresponding to a clean bill through the user interface. The server connects to the database and connects to the user device through the network to receive user information, and is configured to determine whether the user is one of multiple accounts based on the user information, receive the clean bill information and the clean bill image to execute a clean bill review process in response to the user being one of multiple accounts, and send a clean ticket settlement notification message to the user through the network in response to the completion of the clean bill review process.

Description

Clean Ticket Payment System

This novel invention relates to a redemption system, and in particular to a clean bill redemption system.

When a customer takes a foreign check/clean bill to the bank counter for deposit and redemption, the bank will send the clean bill to the domestic bill center for collection, and then the domestic bill center will send it to the foreign bill center. In addition to the long time that customers have to wait for the clean bill to be paid into their accounts, the redemption time needs to wait for about 1-2 months, and both the customer and the bank need to pay high handling fees.

Foreign bills are now less and less in circulation, and most people use foreign remittances or online banking. Therefore, if an online payment system can be established, it will reduce the time customers spend running back and forth between banks, reduce the time branches need to log in and collect bills, and reduce the cost of payment. It will make foreign bill collection more efficient, and allow customers to receive payment as soon as possible. They can also track the follow-up status at any time, which will help improve customer satisfaction.

The novel invention provides a clean ticket redemption system, including a user device, a database, and a server. The database is used to store account data of multiple accounts. The user device is used to provide a user interface, wherein the user inputs user data corresponding to the user, clean ticket information corresponding to the clean ticket, and clean ticket image through the user interface. The server is connected to the database and connected to the user device through the network to receive user data, determine whether the user is one of the multiple accounts based on the user data, receive clean ticket information and clean ticket image to execute the clean ticket review procedure in response to the user being one of the multiple accounts, and transmit a clean ticket payment notification message to the user through the network in response to the clean ticket review procedure being completed.

In one embodiment, the user data includes the user's personal information and an ID image, and in response to the personal information matching the account information of one of the multiple accounts, the server determines that the user is one of the multiple accounts.

In one embodiment, the clean bill information includes the issuer information, payee information, clean bill number, invoice date, invoice bank information, and payment bank information.

In one embodiment, after receiving the clean ticket information and the clean ticket image, the server further identifies the clean ticket image and determines whether the clean ticket image is consistent with the clean ticket information; in response to the clean ticket image being consistent with the clean ticket information, the server executes a clean ticket review procedure; in response to the clean ticket image not being consistent with the clean ticket information, the server sends a manual review notification message to the bank reviewer.

In one embodiment, the clean ticket image includes the front image and the back image of the clean ticket.

In one embodiment, when the server executes the clean ticket review process, the server is further used to transmit the clean ticket image and the application data corresponding to the clean ticket to the foreign bill center server through the network; when the server receives the redemption success message sent from the foreign bill center server, the server determines that the clean ticket review process has been completed according to the redemption success message.

In one embodiment, in response to the clean bill review process being completed, the server is further used to execute the clean bill payment process according to the amount corresponding to the clean bill.

In one embodiment, the server is further used to transmit the clean ticket payment notification message to the user's receivable notification medium via the network.

In one embodiment, the notification medium may include the user's email, online banking application, text message, or a communication software-bound account.

In one embodiment, the user interface is a website interface or an application program interface.

Based on the above, the clean bill redemption system provided by this new creation can reduce the time that customers spend running back and forth between banks to process, reduce the time that branches need to log in and collect bills, and reduce the cost of payment. It will make foreign bill collection more efficient, and allow customers to receive payment as quickly as possible and track subsequent status at any time, which will help improve customer satisfaction.

1: Clean bill payment system

11: Database

12: User device

13: Server

2: Network

Figure 1 is a block diagram of a clean ticket redemption system according to an embodiment of the present invention.

Some embodiments of the present invention will be described in detail with reference to the accompanying drawings. The component symbols used in the following description will be regarded as the same or similar components when the same component symbols appear in different drawings. These embodiments are only part of the present disclosure and do not disclose all possible implementation methods of the present disclosure. More precisely, these embodiments are only examples of the clean bill redemption system in the present invention.

FIG1 is a block diagram of a clean ticket redemption system 1 according to an embodiment of the present invention. Referring to FIG1 , the clean ticket redemption system 1 includes a database 11, a user device 12, and a server 13.

The database 11 is used to store account data of multiple accounts. The multiple accounts stored in the database 11 are customer accounts opened in the bank, and each account has account data corresponding to the customer, including personal information, account number, account type, etc. filled in by the customer when opening the account. The database 11 can be a storage unit inside the server 13, or a cloud storage device connected to the server 13 through the network, and the new creation is not limited to this.

The user device 12 is used to provide a user interface, wherein the user inputs the user data corresponding to the user, the ticket information corresponding to the clean ticket, and the ticket image through the user interface. The user device 12 may be, for example, an electronic device such as a desktop computer, a laptop computer, a tablet computer, a smart phone, etc. In detail, the user (for example, a customer with a bank account) can open the user interface through an electronic device such as a desktop computer, a laptop computer, a tablet computer, a smart phone, etc., and input the user data corresponding to the user, the ticket information corresponding to the clean ticket, and the ticket image through the user interface. In one embodiment, the user interface is a website (for example, a bank's online banking website) interface or an application (for example, a bank's online banking application) interface.

In one embodiment, the user data includes the user's personal data and the image of the ID card (e.g., the front and back images of the ID card). In one embodiment, the clean ticket information includes the information of the issuer, the information of the payee, the clean ticket number, the invoice date, the invoice bank information, and the payment bank information. In one embodiment, the clean ticket image includes the front image and the back image of the clean ticket. The user's ID image and the clean ticket image of the clean ticket are both generated by the user through the image capture device inside the user device 12 or the image capture device external to the user device 12.

The server 13 is connected to the database 11. In one embodiment, if the database 11 is a storage unit inside the server 13, the server 13 is directly connected to the database 11. In another embodiment, if the database 11 is a cloud storage device connected to the server 13 via a network, the server 13 is connected to the database 11 via the network 2. In addition, the server 13 is connected to the user device 12 via the network 2. The network 2 can be a wired network or a wireless network. In this embodiment, the server 13 can be a computer device such as a personal computer, a laptop or a workstation, but the present invention is not limited thereto.

The server 13 is used to receive user data from the user device 12, verify the user's identity, and determine whether the user is one of the multiple bank accounts based on the user data. The data required for identity verification depends on the online banking verification process of each bank, and generally includes the user's ID number, user code, and password, etc. In response to the personal data matching the account data of one of the multiple bank accounts, the server 13 determines that the user is one of the multiple bank accounts.

In response to the user being one of the multiple bank accounts, the server 13 receives the clean ticket information and clean ticket image input by the user through the user interface of the user device 12 to perform the clean ticket review procedure. In one embodiment, after the server 13 receives the clean ticket information and the clean ticket image, the server 13 is further used to identify the clean ticket image and determine whether the clean ticket image matches the clean ticket information input by the user.

In response to the clean ticket image being consistent with the clean ticket information entered by the user, the server 13 executes the clean ticket review procedure; conversely, in response to the clean ticket image not being consistent with the clean ticket information entered by the user, the server 13 transmits a manual review notification message to the bank reviewer. After receiving the manual review notification message, the bank reviewer manually confirms whether the clean ticket image is consistent with the clean ticket information entered by the user, and notifies the user to confirm the data.

When the server 13 executes the clean ticket review procedure, the server 13 transmits the clean ticket image and the application data corresponding to the clean ticket to the foreign bill center server through the network 2. If the foreign bill center determines that the clean ticket is valid, it will apply for the redemption of the clean ticket, redeem the clean ticket and release the payment, and finally cancel the clean ticket. When the server 13 receives the redemption success message sent from the foreign bill center server, the server 13 determines that the clean ticket review procedure has been completed according to the redemption success message.

In response to the completion of the clean ticket review process, the server 13 transmits a clean ticket payment notification message to the user through the network 2. At the same time, the server 13 executes the clean ticket payment process according to the amount of the corresponding clean ticket and transfers the amount to the user's account. In one embodiment, the server 13 transmits the clean ticket payment notification message to the user's receivable notification medium through the network 2. In one embodiment, the receivable notification medium includes the user's e-mail, online banking application, SMS or communication software bound account.

In summary, the clean bill redemption system provided by this new creation can reduce the time that customers spend running back and forth between banks to process, reduce the time that branches need to log in and collect bills, and reduce the cost of payment. It will make foreign bill collection more efficient, and allow customers to receive payment as quickly as possible and track subsequent status at any time, which will help improve customer satisfaction.

1: Clean bill payment system

11: Database

12: User device

13: Server

2: Network

Claims (10)

A clean ticket redemption system includes: A database for storing account data of multiple accounts; A user device for providing a user interface, wherein a user inputs user data corresponding to the user, clean ticket information corresponding to the clean ticket, and a clean ticket image through the user interface; and A server, connected to the database and connected to the user device through a network, for receiving the user data, determining whether the user is one of the accounts based on the user data, receiving the clean ticket information and the clean ticket image to execute a clean ticket review procedure in response to the user being one of the accounts, and transmitting a clean ticket payment notification message to the user through the network in response to the clean ticket review procedure being completed. A clean ticket redemption system as described in claim 1, wherein the user data includes the user's personal information and an ID image, and in response to the personal information matching the account information of one of the accounts, the server determines that the user is one of the accounts. A clean bill payment system as described in claim 1, wherein the clean bill information includes issuer information, payee information, clean bill number, invoice date, invoice bank information, and paying bank information. A clean ticket redemption system as described in claim 3, wherein after the server receives the clean ticket information and the clean ticket image, the server is further used to identify the clean ticket image and determine whether the clean ticket image conforms to the clean ticket information; wherein in response to the clean ticket image conforming to the clean ticket information, the server executes the clean ticket review procedure; wherein in response to the clean ticket image not conforming to the clean ticket information, the server transmits a manual review notification message to a bank reviewer. A clean ticket redemption system as described in claim 1, wherein the clean ticket image includes a front image and a back image of the clean ticket. A clean ticket redemption system as described in claim 1, wherein when the server executes the clean ticket review procedure, the server is further used to transmit the clean ticket image and the application information corresponding to the clean ticket to the foreign ticket center server through the network; wherein when the server receives a redemption success message sent from the foreign ticket center server, the server determines that the clean ticket review procedure has been completed according to the redemption success message. The clean bill payment system as described in claim 1, wherein in response to the clean bill review process being completed, the server is further used to execute the clean bill payment process according to the amount corresponding to the clean bill. The clean ticket redemption system as described in claim 1, wherein the server is further used to transmit the clean ticket payment notification message to the user's receivable notification medium through the network. A clean ticket redemption system as described in claim 8, wherein the receivable notification medium includes the user's electronic mailbox, online banking application, short message or communication software bound account. A clean ticket redemption system as described in claim 1, wherein the user interface is a website interface or an application program interface.

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