TWM658495U - Multi-account agreed withdrawal management system - Google Patents

Abstract

A multi-account agreed deduction management system includes a deduction account setting module, a transfer account setting module, a payment processing module and a notification module. The deduction account setting module is used for a client communication device to set an agreed account or periodic deduction fee information. The transfer account setting module is used for a first natural person mobile device to set a first transfer account and for a second natural person mobile device to set a second transfer account. The payment processing module is used to confirm whether the corresponding agreed account has sufficient balance based on transaction information or periodic deduction fee information. If the balance is sufficient, the payment processing module performs payment processing. The notification module transmits a notification message to the first natural person's mobile device and the second natural person's mobile device according to a contact message when the balance of the agreed account is insufficient.

Description

Multi-account agreed deduction management system

A multi-account agreed deduction management system, in particular, relates to a multi-account agreed deduction management system for credit card deduction.

In modern society, many people choose to use credit card debit services to conveniently pay for various expenses in daily life, such as utility bills, internet fees, insurance premiums, etc. Through credit card debit, users do not need to perform manual operations every time they pay fees, but can automatically deduct fees from their designated debit account.

However, when the withholding account is not their main payroll account, or the bank account used for withholding is not a frequently used account, sufficient funds may not be deposited into it regularly. Therefore, when the balance in the withholding account is insufficient to pay the fees, additional time and effort are required to make up the difference.

In addition, some people may have multiple different natural person accounts, such as college students who share a house with roommates, and they may need to pay rent, utility bills, etc. together. However, there may be difficulties in coordinating money, especially when someone pays the fees in advance and needs to ask the roommate for the fees he or she should bear.

In addition, currently no bank can provide a debit account to link multiple accounts of different natural persons' mobile devices, and it is not possible to set the transfer ratio that each account should bear.

Therefore, how to develop a multi-account agreed deduction management system that can solve the above problems has become a problem to be solved in the relevant technical field.

To solve the above problems, according to an embodiment, the present invention provides a multi-account agreed deduction management system, which is installed in a bank host server and includes a plurality of hardware modules composed of a plurality of electrically connected hardware circuits. The plurality of hardware modules include a deduction account setting module, a transfer account setting module, a payment processing module and a notification module.

The deduction account setting module is communicatively connected to a client communication device, and is used for the client communication device to set a contracted account or periodic deduction fee information. The transfer account setting module is communicatively connected to the deduction account setting module, a first natural person mobile device, and a second natural person mobile device, and is used for the first natural person mobile device to set a first transfer account and the second natural person mobile device to set a second transfer account after the deduction account setting module sets the contracted account. The payment processing module is communicatively connected to a merchant device and the deduction account setting module, and is used to receive a transaction information transmitted by the merchant device or the periodic deduction fee information transmitted by the deduction account setting module, and confirm whether the corresponding agreed account has sufficient balance according to the transaction information or the periodic deduction fee information. If the balance is sufficient, the payment processing module performs payment processing on the transaction information or the periodic deduction fee information. The notification module is communicatively connected to the payment processing module, the first natural person mobile device, and the second natural person mobile device. When the balance of the agreed account is insufficient, the notification module transmits a notification message to the first natural person mobile device and the second natural person mobile device according to a contact message.

According to another embodiment, the deduction account setting module may further set a transfer ratio for the first transfer account and the second transfer account respectively.

According to another embodiment, the notification information includes the transaction information, the periodic deduction fee information or the transfer ratio.

According to another embodiment, the notification information further provides a web link, so that the first natural person's mobile device and the second natural person's mobile device can click on the web link to log in to their respective online banks and confirm whether to transfer funds.

According to another embodiment, the notification module is also communicatively connected to the client communication device. When the first natural person mobile device and the second natural person mobile device do not transfer money, the notification module transmits a deduction failure message to the client communication device.

According to another embodiment, the first natural person mobile device and the second natural person mobile device transfer funds by logging into their respective online banks and then authorizing the first transfer account and the second transfer account to transfer funds to the agreed account.

According to another embodiment, the contact information includes an online banking or telephone number.

The claimed benefits of this new system include: (1) saving time for customers and banks, that is, before the bank account balance is insufficient and the deduction fails, the bank can notify the customer in advance so that the customer can transfer the money to the bank account for deduction in advance. (2) This multi-account agreed deduction management system can be linked to the accounts of multiple different natural persons' mobile devices, and the transfer ratio to be borne by each party can be set. (3) When customers transfer money, they can transfer money with one click, which is convenient and time-saving.

In order to more specifically illustrate the various embodiments of the present invention, the following is a description with the aid of the attached drawings. It should be understood that when an element is referred to as being "connected" or "disposed" on another element, it can mean that the element is directly located on the other element, or there may also be an intermediate element through which the element and the other element are connected. Conversely, when an element is referred to as being "directly on another element" or "directly connected to another element", it can be understood that it is clearly defined that there is no intermediate element.

Please refer to FIG. 1 . According to one embodiment, the present invention provides a multi-account agreed deduction management system 100, which is placed in a bank host server and includes a plurality of hardware modules composed of a plurality of electrically connected hardware circuits. The plurality of hardware modules include a deduction account setting module 110, a transfer account setting module 120, a payment processing module 130 and a notification module 140.

The deduction account setting module 110 is communicatively connected to the client communication device 150, and the deduction account setting module 110 is used for the client communication device 150 to set up a contract account to deduct expenses (e.g., rent, utility bills, insurance premiums, etc.). The client can set up the contract account and periodic deduction fee information (e.g., the deduction amount and the deduction frequency, etc.) in the deduction account setting module 110. Once the setting is completed, the multi-account contract deduction management system 100 will deduct the corresponding expenses from the contract account on the specified date according to the client's instructions and pay it to the corresponding payee.

The transfer account setting module 120 is communicatively connected to the deduction account setting module 110, a first natural person mobile device 160 and a second natural person mobile device 170, and is used to set a first transfer account for the first natural person mobile device 160 and a second transfer account for the second natural person mobile device 170 after the deduction account setting module 110 sets the agreed account. The first transfer account and the second transfer account are accounts used to transfer funds from the agreed account to ensure that the agreed account has sufficient balance to pay related transactions or periodic deduction fees.

According to another embodiment, after the first transfer account and the second transfer account are set, the client communication device 150 can respectively set the transfer ratio of the first transfer account and the second transfer account through the deduction account setting module 110. The present invention does not impose any limitation on the transfer ratio, for example, it can be 50%/50%, 60%/40% or 70%/30%, etc. The client communication device 150 can freely determine how to allocate the transfer ratio.

The payment processing module 130 is in communication with the merchant device 180 and the deduction account setting module 110. When the payment processing module 130 receives transaction information or periodic deduction fee information, the payment processing module 130 first confirms whether the corresponding agreed account has sufficient balance to complete the payment based on the transaction information or periodic deduction fee information. If the balance is sufficient, the payment processing module 130 will perform payment processing on the transaction information or periodic deduction fee information, and automatically transfer funds from the agreed account to complete the periodic deduction or transaction payment.

The notification module 140 is connected to the payment processing module 130, the first natural person mobile device 160 and the second natural person mobile device 170. When the balance of the agreed account is insufficient, the notification module 140 transmits notification information to the first natural person mobile device 160 and the second natural person mobile device 170 according to the contact information. The contact information includes an online bank or a phone number, that is, the notification module 140 notifies the first natural person mobile device 160 and the second natural person mobile device 170 to transfer funds through a mobile phone APP or SMS. The notification information includes transaction information, periodic deduction fee information or transfer ratio. In addition, the notification information also provides a web link for the first natural person mobile device 160 and the second natural person mobile device 170 to click on the web link to log in to their respective online banks and confirm whether to transfer money. In addition, when the first natural person mobile device 160 and the second natural person mobile device 170 refuse to transfer money, the notification module 140 will transmit a deduction failure message to the client communication device 150.

According to another embodiment, the first natural person mobile device 160 and the second natural person mobile device 170 transfer funds by logging into their respective online banks and authorizing the first transfer account and the second transfer account to transfer funds to the above-mentioned agreed account.

Please refer to FIG. 2 , which is a flowchart of a multi-account agreed deduction management system 100 according to an embodiment of the present invention.

In step 200, the client communication device 150 sets a scheduled account or periodic deduction fee information through the deduction account setting module 110.

In step 201 , the first natural person mobile device 160 and the second natural person mobile device 170 set up a first transfer account and a second transfer account via the transfer account setting module 120 .

In step 202 , the payment processing module 130 receives the transaction information transmitted by the merchant device 180 or the periodic deduction fee information transmitted by the deduction account setting module 110 .

In step 203, the payment processing module 130 determines whether the balance in the agreed account is sufficient. If not, the process proceeds to step 204; if so, the process proceeds to step 207, and the payment processing module 130 performs payment processing.

In step 204, the notification module 140 transmits notification information to the first natural person mobile device 160 and the second natural person mobile device 170 according to the contact information.

In step 205, it is determined whether the first natural person mobile device 160 or the second natural person mobile device 170 transfers the funds. If not, the process proceeds to step 206; if yes, the process proceeds to step 207, and the payment processing module 130 performs payment processing.

In step 206 , the notification module 140 transmits a deduction failure message to the client communication device 150 .

In summary, the new technology can produce the following benefits: (1) Automated debit account management and payment process, eliminating the need for customers to manually transfer or make additional payments, improving the convenience and efficiency of payment. (2) When the debit fails or the balance is insufficient, the system will immediately send a notification to remind the customer and provide an instant transfer invitation, allowing the customer to quickly make up the payment amount and avoid the risk of delayed or missed payments. (3) Linking multiple different accounts and automatically allocating payment amounts according to the set ratio makes it more convenient and fair for multiple people to pay for a certain fee, reducing the burden on the payer. (4) Supports flexible amount setting. Different amounts can be set according to different payment needs, making payment more flexible and personalized.

It should also be noted that the term "includes", "comprising" or any other variation thereof is intended to cover non-exclusive inclusion, so that a process, method, commodity or apparatus including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, commodity or apparatus. In the absence of more restrictions, the elements defined by the phrase "comprising a ..." do not exclude the existence of other identical elements in the process, method, commodity or apparatus including the elements.

It will be appreciated by those skilled in the art that embodiments of the present invention may be provided as processes, systems or computer program products. Thus, the present invention may take the form of a complete hardware embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product implemented on one or more computer-usable storage memories (including but not limited to disk memory, CD-ROM, optical memory, etc.) containing computer-usable program code.

Each embodiment in this specification is described in a progressive manner, and the same or similar parts between the embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the system embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and the relevant parts can be referred to the partial description of the method embodiment.

The above-mentioned implementation cases are only exemplary and specific descriptions, and are not intended to limit the scope of the present invention. Any equivalent modifications or changes made thereto do not deviate from the spirit and scope of the present invention and should be included in the scope of the patent application of this case.

100: Multi-account agreed deduction management system 110: Deduction account setting module 120: Transfer account setting module 130: Payment processing module 140: Notification module 150: Customer communication device 160: First natural person mobile device 170: Second natural person mobile device 180: Merchant device 200~207: Steps

In order to make the above-mentioned technology and other purposes, features, advantages and embodiments of the present invention more clearly understandable, the attached drawings are described as follows: FIG. 1 is a schematic diagram of the architecture of a multi-account agreed deduction management system according to an embodiment of the present invention. FIG. 2 is a schematic diagram of the process of a multi-account agreed deduction management system according to an embodiment of the present invention.

100:Multi-account agreed deduction management system

110: Debit account setting module

120: Transfer account setting module

130: Payment processing module

140: Notification module

150: Client communication device

160: First natural person mobile device

170: Second natural person mobile device

180: Merchant device

Claims (7)

A multi-account agreed deduction management system is set in a bank host server, including multiple hardware modules composed of multiple electrically connected hardware circuits, the hardware modules include: A deduction account setting module, which is communicatively connected to a customer communication device, and is used for the customer communication device to set an agreed account or a periodic deduction fee information; A transfer account setting module, which is communicatively connected to the deduction account setting module, a first natural person mobile device and a second natural person mobile device, and is used for the first natural person mobile device to set a first transfer account and the second natural person mobile device to set a second transfer account after the deduction account setting module sets the agreed account; A payment processing module, which is communicatively connected to a merchant device and the deduction account setting module, is used to receive a transaction information transmitted by the merchant device or the periodic deduction fee information transmitted by the deduction account setting module, and confirm whether the corresponding agreed account has sufficient balance according to the transaction information or the periodic deduction fee information. If the balance is sufficient, the payment processing module performs payment processing on the transaction information or the periodic deduction fee information; and A notification module, which is communicatively connected to the payment processing module, the first natural person mobile device and the second natural person mobile device. When the balance of the agreed account is insufficient, the notification module transmits a notification message to the first natural person mobile device and the second natural person mobile device according to a contact message. In the multi-account agreed deduction management system as described in claim 1, the deduction account setting module can also set a transfer ratio for the first transfer account and the second transfer account respectively. A multi-account agreed deduction management system as described in claim 2, wherein the notification information includes the transaction information, the periodic deduction fee information or the transfer ratio. The multi-account agreed deduction management system as described in claim 3, wherein the notification information also provides a web link for the first natural person's mobile device and the second natural person's mobile device to click on the web link to log in to their respective online banks and confirm whether to transfer funds. A multi-account agreed deduction management system as described in claim 4, wherein the notification module is also connected to the client communication device, and when the first natural person mobile device and the second natural person mobile device do not transfer funds, the notification module transmits a deduction failure message to the client communication device. A multi-account agreed deduction management system as described in claim 4, wherein the first natural person mobile device and the second natural person mobile device transfer funds by logging into their respective online banks and then authorizing the first transfer account and the second transfer account to transfer funds to the agreed account. A multi-account agreed deduction management system as described in claim 1, wherein the contact information includes an online bank or a telephone number.

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