TWM671666U - Fund Transfer Service System - Google Patents

Abstract

A payment transfer service system includes a management end server system, the management end server system includes a processing unit and a storage unit electrically connected to the processing unit. The processing unit is used to generate and store a transfer order data item after receiving a payment transfer reservation request sent by a user electronic device, and to generate and transmit a coin issuance notification corresponding to the payment transfer order data to a cryptocurrency transaction server after receiving a payment completion notification sent by a server device, so that the cryptocurrency transaction server converts a cryptocurrency payment into a foreign currency payment to be transferred into a foreign payment account.

Description

Funds Transfer Service System

The present invention relates to a money transfer service system, and in particular to a money transfer service system capable of transferring money from within a country to outside a country.

Due to the globalization of the economy, there are many foreign workers living in Taiwan for a long time. Most of these workers will regularly transfer their work income to their hometown countries. Therefore, how to provide more diverse and convenient ways to transfer funds across borders has become an issue worth discussing.

Therefore, the purpose of the present invention is to provide a money transfer service system that can realize cross-border money transfer.

The novel payment transfer service system is applicable to be used in conjunction with a server-side device, a user electronic device and a cryptocurrency transaction server. The payment transfer service system includes a management-side server system, which includes a processing unit that is applicable to be electrically connected to the server-side device, the user electronic device and the cryptocurrency transaction server, and a storage unit that is electrically connected to the processing unit. The storage unit stores a registered user data corresponding to a user account, wherein the registered user data includes an overseas account data indicating an overseas payment account. The processing unit is used to generate payment transfer order data corresponding to the registered user data according to the payment transfer reservation request after receiving a payment transfer reservation request sent by the user electronic device when the user electronic device is allowed to log in with the user account, and store the payment transfer order data in the storage unit, wherein the payment transfer order data includes a specified transfer amount. The processing unit is also used to generate and transmit a coin issuance notification corresponding to the payment transfer order data to the cryptocurrency trading server after receiving a payment completion notification sent by the server device, so that the cryptocurrency trading server converts a cryptocurrency payment equal to the specified transfer amount into a foreign currency payment to be transferred to the foreign payment account according to the coin issuance notification, wherein the payment completion notification is used to indicate that the server device obtains a to-be-processed order data indicating the payment transfer order data, and receives a cash corresponding to the specified transfer amount of the payment transfer order data.

In some implementations of the novel payment transfer service system, the processing unit is also used to transmit order identification data corresponding to the payment transfer order data to the user electronic device after generating the payment transfer order data, so that the user electronic device can generate a barcode indicating order data to be processed based on at least the order identification data, wherein the order data to be processed includes the order identification data.

In some implementations of the novel payment transfer service system, the order data to be processed further includes a code to be verified, and the processing unit is further used to, after transmitting the order identification data to the user electronic device, determine whether the order data to be processed included in the order verification request meets a verification condition when receiving an order verification request sent by the server device and including the order data to be processed, and transmit a verification success notification corresponding to the order verification request to the server device when the judgment result is yes, wherein the verification condition includes that the order identification data of the order data to be processed matches the payment transfer order data, and the code to be verified included in the order verification request is valid.

In some implementations of the novel payment transfer service system, the order identification data is the result of the processing unit encrypting the payment transfer order data, and the processing unit determines whether the order identification data matches the payment transfer order data by decrypting the order identification data and determining whether the decryption result of the order identification data matches the payment transfer order data. If they match, the order identification data is determined to match the payment transfer order data; if they do not match, the order identification data is determined to not match the payment transfer order data.

In some implementations of the novel payment transfer service system, the registered user data also includes a verification end key data, and the processing unit determines whether the verification code is valid by generating a verification reference code based on the verification end key data and verification end time data related to the current time, and determining whether the verification code is consistent with the verification reference code. If they are consistent, the verification code is determined to be valid, and if they are inconsistent, the verification code is determined to be invalid.

The effectiveness of this new model is that the money transfer service system can provide foreigners with a new and convenient way to transfer money across borders. Moreover, compared with the method of cross-border wire transfers through domestic and foreign banking institutions, this new model uses cryptocurrency to transfer money for foreign workers, which can effectively shorten the operation time required for the money to be transferred to the overseas receiving account.

Before the present invention is described in detail, it should be noted that, unless otherwise specifically defined, the term "electrically connected" in this patent specification is used to describe the "coupled" relationship between computer hardware (e.g., electronic systems, equipment, devices, units, components), and generally refers to "wired electrical connections" achieved by physically connecting multiple computer hardware through conductors/semiconductor materials, and "radio connections" that achieve wireless data transmission using wireless communication technology (e.g., but not limited to wireless networks, Bluetooth, and electromagnetic induction, etc.). On the other hand, unless otherwise specifically defined, the "electrical connection" described in this patent specification also generally refers to a "direct electrical connection" achieved by directly coupling multiple computer hardware to each other, and an "indirect electrical connection" achieved by indirectly coupling multiple computer hardware through other computer hardware.

Before the present invention is described in detail, it should be noted that the "unit" described in this patent specification represents computer hardware rather than software. For example, a "processing unit" is used to represent computer hardware with data processing functions. On the other hand, the "unit" described in this patent specification can refer to a single computer hardware with a specific function, or a group of computer hardware with similar functions. For example, a "processing unit" can refer to a single processor with data processing functions, but it can also refer to a collection of a group of processors.

This patent specification provides multiple embodiments of the same creation, therefore, in the subsequent description, similar elements between different embodiments are represented by the same numbers.

Referring to FIG. 1 , an embodiment of the novel money transfer service system 1 belongs to a money transfer service organization, for example. Furthermore, the money transfer service system 1 is suitable for use with a cryptocurrency transaction server 20 and a user electronic device 30.

In the exemplary application environment of this embodiment, the cryptocurrency transaction server 20, for example, belongs to a domestic cryptocurrency transaction institution in the country. On the other hand, the user electronic device 30, for example, is a smart phone or a tablet computer, and belongs to a foreign worker living in the country.

The payment transfer service system 1 includes a server-side device 11 and a management-side servo system 12 electrically connected to the server-side device 11.

The server device 11 is implemented as a multimedia business device (Kiosk) installed in a public place, for example. In addition, the server device 11 includes a control unit 111, a display unit 112 electrically connected to the control unit 111, an input unit 113, a scanning unit 114, and a bill receiving unit 115.

The control unit 111 is, for example, a processor implemented with an integrated circuit and having data calculation and instruction receiving and sending functions. The display unit 112 is a screen. The input unit 113 has at least one of a touch panel and a keyboard, and, in the implementation mode in which the input unit 113 has a touch panel, the touch panel is implemented together with the display unit 112 as a touch screen. The scanning unit 114 is, for example, an optical scanner that can be used to scan bar codes. The paper bill collection unit 115 is, for example, an electronic paper bill receiver (also called a paper bill machine) for automatically identifying and counting cash bills.

The management end server system 12 includes a processing unit 121 and a storage unit 122 electrically connected to the processing unit 121, wherein the processing unit 121 is suitable for being electrically connected to the cryptocurrency transaction server 20 and the user electronic device 30 via a network.

In this embodiment, the management end server system 12 is implemented as two server devices, for example. Moreover, the two server devices are respectively used as an application server suitable for being electrically connected to the cryptocurrency transaction server 20 and the user electronic device 30 through the network, and an encryption verification server electrically connected to the application server.

Furthermore, the processing unit 121 is, for example, a collection of one or more processors of the application server and one or more processors of the encryption verification server, wherein each processor is implemented by an integrated circuit and has the functions of sending and receiving instructions and computing data.

On the other hand, the storage unit 122 is, for example, a collection of one or more storage devices of the application server and one or more storage devices of the encryption verification server, wherein each storage device is implemented as a hard disk or other types of computer-readable recording media for storing digital data.

However, in other embodiments, the management end server system 12 may also be implemented as a single server device. In such an embodiment, the processing unit 121 is, for example, one or more processors of the server device, and the storage unit 122 is, for example, one or more storage devices of the server device. Based on the above, the actual implementation of the management end server system 12 in terms of computer hardware is not limited to this embodiment.

It is to be noted that in other embodiments, the money transfer service system 1 may include a plurality of server devices 11 respectively located at different locations. Alternatively, in some embodiments, the server device 11 may not be included in the money transfer service system 1. More specifically, in these embodiments, the money transfer service system 1 may be implemented as the management end server system 12 itself, and is suitable for use in conjunction with the server device 11, the cryptocurrency transaction server 20 and the user electronic device 30.

In this embodiment, the storage unit 122 of the management server system 12 stores a registered user data D.

The registered user data D corresponds to a user account belonging to the foreign worker. In addition, in this embodiment, the registered user data D includes, for example, an account identification data D1 indicating the user account, an overseas account data D2, and a unique verification end key data K1.

The account identification information D1 is, for example, the account number of the user account.

The overseas account data D2 is, for example, an overseas payment account, and indicates an overseas payment account that is bound to the user account. In this embodiment, the overseas payment account indicated by the overseas account data D2 is established by an overseas financial service institution for the foreign worker. The overseas financial service institution may be an overseas banking institution or an overseas electronic wallet service institution. To be more specific, the overseas payment account indicated by the overseas account data D2 may be a financial account established by an overseas banking institution for the foreign worker, or an electronic wallet account established by an overseas electronic wallet service institution for the foreign worker.

The authentication key data K1 is a shared key used to implement the "Time-based One-Time Password" (TOTP) technology.

In the application environment of this embodiment, a user-side application program issued by the money transfer service organization is installed in the user electronic device 30. Furthermore, the user electronic device 30 can establish network communication between itself and the processing unit 121 of the management-side server system 12 by loading and running the user-side application program.

Furthermore, before the storage unit 122 stores the registered user data D, when the user electronic device 30 communicates with the processing unit 121, the foreign worker can operate the user electronic device 30 to execute an account registration procedure, so that the processing unit 121 generates the registered user data D and stores the registered user data D in the storage unit 122. In this way, the processing unit 121 is equivalent to establishing the user account for the foreign worker, so that the user electronic device 30 can log in to the management server system 12 with the user account corresponding to the registered user data D by running the user-end application.

It is particularly noted that after generating the registered user data D, the processing unit 121 provides the verification end key data K1 included in the registered user data D to the user electronic device 30, so that the user electronic device 30 can store it as a user end key data K2. In other words, by executing the account registration procedure, the user electronic device 30 will store the user end key data K2 that matches the verification end key data K1.

Assume that the foreign worker wants to use the money transfer service system 1 of this embodiment to transfer the cash in hand to his overseas payment account (i.e., the overseas payment account indicated by the overseas account data D2). Referring to Figures 1 and 2 at the same time, the following exemplarily describes how the money transfer service system 1 cooperates with the cryptocurrency transaction server 20 and the user electronic device 30 to implement a transfer method.

First, in step S1, when the processing unit 121 of the management server system 12 allows the user electronic device 30 to log in with the user account, when the processing unit 121 receives a payment transfer reservation request transmitted by the user electronic device 30, the processing unit 121 generates a payment transfer order data corresponding to the registered user data D according to the payment transfer reservation request, and stores the payment transfer order data to the storage unit 122.

In this embodiment, the payment transfer reservation request is generated and transmitted by the user electronic device 30 according to the manual operation of the foreign worker. More specifically, the foreign worker can operate the user electronic device 30 to set the amount of the money to be transferred and the account to be transferred, thereby causing the user electronic device 30 to generate and transmit the payment transfer reservation request to the processing unit 121.

The money transfer order data generated by the processing unit 121 is used to indicate a subsequent money transfer operation to be performed. Moreover, the money transfer order data, for example, includes a designated transfer amount and a designated transfer-in account data that matches the overseas account data D2. The designated transfer amount is used to indicate the amount of money that the foreign worker wants to transfer, and is, for example, presented in the domestic legal currency (such as New Taiwan Dollar). The designated transfer-in account data is used to indicate the account into which the foreign worker wants to transfer his money.

After the processing unit 121 generates the payment transfer order data, the process proceeds to step S2.

In step S2, the processing unit 121 encrypts the payment transfer order data to generate an order identification data corresponding to the payment transfer order. More specifically, in this embodiment, the order identification data is the encryption result after the processing unit 121 encrypts the payment transfer order data, and is presented as a string of unreadable codes, for example.

The processing unit 121 may encrypt the payment transfer order data by, for example, using a symmetric encryption algorithm in the prior art (such as AES algorithm, DES algorithm, etc.), but is not limited thereto.

It should be noted that, although the processing unit 121 directly uses the encryption result of the payment transfer order data as the order identification data in this embodiment, in other embodiments, the order identification data may also be an order number included in the payment transfer order data, or other unique data corresponding to the payment transfer order data. Therefore, it should be understood that the actual state of the order identification data is not limited to this embodiment.

After the processing unit 121 generates the order identification data, the process proceeds to step S3.

In step S3, when the processing unit 121 receives a barcode data request sent by the user electronic device 30, the management server system 12 transmits the order identification data corresponding to the payment transfer order data to the user electronic device 30 according to the barcode data request.

The barcode data request is generated and transmitted by the user electronic device 30 according to the manual operation of the foreign worker. More specifically, when the foreign worker wants to use the server device 11 to complete the money transfer operation, he can operate the user electronic device 30 so that the user electronic device 30 generates and transmits the barcode data request to the processing unit 121.

In this embodiment, the processing unit 121 provides the order identification data to the user electronic device 30 so that the user electronic device 30 can use the order identification data to generate a barcode that can be recognized by the server device 11. The barcode can be a one-dimensional barcode or a two-dimensional barcode and indicates an order data to be processed.

In more detail, when the user electronic device 30 receives the order identification data, the user electronic device 30 generates a verification code based on the user key data K2 stored therein and a user time data related to the current time, and then generates a pending order data including the order identification data and the verification code, and then generates the barcode indicating the pending order data.

The user end time data is a timestamp that is updated regularly (e.g., every thirty seconds) by the user electronic device 30 according to the current time. Moreover, whenever the user end time data expires (e.g., thirty seconds have passed), the user electronic device 30 will automatically update the user end time data and the barcode at the same time.

It is to be noted that, since the pending order data includes the order identification data, the pending order data is equivalent to indicating the payment transfer order data for the processing unit 121 of the management end server system 12. On the other hand, in other embodiments, the processing unit 121 may generate the order identification data only upon receiving the barcode data request, and is not limited to this embodiment.

After the processing unit 121 transmits the order identification data to the user electronic device 30, the process proceeds to step S4.

In step S4, when the control unit 111 scanned by the server device 11 receives an order processing instruction input by the foreign worker via the input unit 113, the control unit 111, for example, controls the display unit 112 to display a barcode presentation guidance message, thereby guiding the foreign worker to use the scanning unit 114 to scan the barcode generated and displayed by the user electronic device 30. Furthermore, when the barcode displayed by the user electronic device 30 is within the scanning range of the scanning unit 114, the scanning unit 114 scans the barcode displayed by the user electronic device 30 to obtain the pending order data indicated by the barcode, and provides the pending order data to the control unit 111.

After the control unit 111 scanned by the server device 11 obtains the order data to be processed, the process proceeds to step S5.

In step S5, the control unit 111 generates an order verification request including the order data to be processed, and transmits the order verification request to the processing unit 121 of the management server system 12. Then, the process proceeds to step S6.

In step S6, when the processing unit 121 of the management server system 12 receives the order verification request sent by the control unit 111, the processing unit 121 determines whether the to-be-processed order data included in the order verification request meets a verification condition.

In this embodiment, the verification condition represents that the order identification data of the order data to be processed matches the payment transfer order data, and the verification code included in the order verification request is valid.

In more detail, in this embodiment, the processing unit 121 determines whether the order identification data matches the payment transfer order data by decrypting the order identification data and determining whether the decryption result after decrypting the order identification data matches the payment transfer order data. If the decryption result matches the payment transfer order data, the processing unit 121 determines that the order identification data in the order data to be processed matches the payment transfer order data. On the contrary, if the decryption result does not match the payment transfer order data, the processing unit 121 determines that the order identification data in the order data to be processed does not match the payment transfer order data.

On the other hand, in this embodiment, the processing unit 121 determines whether the verification code is valid by generating a verification reference code based on the verification end key data K1 and a verification end time data related to the current time, and determines whether the verification code is consistent with the verification reference code. If the verification code is consistent with the verification reference code, the processing unit 121 determines that the verification code is valid. On the contrary, if the verification code is inconsistent with the verification reference code, the processing unit 121 determines that the verification code is invalid.

Similar to the user end time data, the verification end time data is another time stamp that is updated regularly (e.g., every thirty seconds) by the processing unit 121 according to the current time. Moreover, whenever the verification end time data expires (e.g., thirty seconds have passed), the processing unit 121 automatically updates the verification end time data.

By determining whether the pending order data included in the order verification request meets the verification condition, this embodiment can not only ensure that the pending order data in the order verification request is not tampered with or forged data, but also make the validity of the pending order data have a time validity period. In this way, even if the pending order data is tampered with, it will become invalid over time, thereby greatly improving information security.

It should be noted that in other embodiments, the verification condition may also only represent that the order identification data of the pending order data matches the payment transfer order data, or only represent that the pending verification code included in the order verification request is valid. Therefore, the form of the verification condition is not limited to this embodiment.

If the processing unit 121 determines that the pending order data meets the verification condition, the process proceeds to step S7. If the processing unit 121 determines that the pending order data does not meet the verification condition, the process proceeds to step S11.

In step S7 following step S6, once the processing unit 121 determines that the order data to be processed meets the verification condition, the processing unit 121 generates a verification success notification corresponding to the order verification request, and transmits the verification success notification to the control unit 111 of the server device 11. Then, the process proceeds to step S8.

In step S8, when the control unit 111 of the server device 11 receives the verification success notification sent by the processing unit 121, the control unit 111 controls the bill collection unit 115 to start and prepare to receive bills according to the verification success notification, and controls the display unit 112 to display a cash insertion prompt message, thereby, the server device 11 is equivalent to switching to a payment preparation state that allows the user to insert cash.

After the server device 11 switches to the payment preparation state, the process proceeds to step S9.

In step S9, when the server device 11 is in the payment preparation state, if the control unit 111 determines that the bill collection unit 115 has received a cash that matches the designated transfer amount of the money transfer order data, it means that the foreign worker has deposited cash equal to the designated transfer amount into the server device 11. In this case, the control unit 111 generates a payment completion notification corresponding to the money transfer order data, and transmits the payment completion notification to the processing unit 121 of the management server system 12.

At this point, the foreign worker has successfully delivered the cash to be transferred to the overseas receiving account. It is worth mentioning that the service-end device 11 does not require the foreign worker to insert any financial card issued by a domestic banking institution. In other words, through steps S1 to S9, even if the foreign worker does not have any financial account opened by a domestic banking institution, the service-end device 11 can be used to deliver the cash to be transferred to the overseas receiving account in a cardless operation.

After the control unit 111 transmits the payment completion notification to the processing unit 121 of the management server system 12, the process proceeds to step S10.

In step S10, when the processing unit 121 of the management end server system 12 receives the payment completion notification sent by the control unit 111, the processing unit 121 generates a coin issuance notification corresponding to the payment transfer order data according to the payment completion notification, and transmits the coin issuance notification to the cryptocurrency transaction server 20.

Specifically, upon receiving the currency issuance notification, the cryptocurrency transaction server 20 will convert a cryptocurrency payment equal to the designated transfer amount into a foreign currency payment to be remitted to the foreign payment account according to the currency issuance notification. The currency of the foreign currency payment is the legal currency of the country to which the foreign worker belongs (e.g., Peso).

In more detail, in this embodiment, the coin issuance notice includes, for example, the designated transfer amount and the overseas account data D2. Furthermore, when the cryptocurrency trading server 20 receives the coin issuance notice, the cryptocurrency trading server 20 first generates the cryptocurrency payment equal to the designated transfer amount according to the coin issuance notice, then generates a payment processing request including the cryptocurrency payment and the overseas account data D2, and then transmits the payment processing request to a cryptocurrency processing server (not shown). The cryptocurrency processing server, for example, belongs to an overseas cryptocurrency trading institution, and the overseas cryptocurrency trading institution, for example, belongs to the country to which the foreign worker belongs. Furthermore, the cryptocurrency processing server will convert the cryptocurrency payment into the foreign currency payment of equal value to the cryptocurrency payment according to the payment processing request sent by the cryptocurrency transaction server 20, and then when the current time reaches a predetermined deposit time, the foreign currency payment will be transferred to the foreign receiving account corresponding to the foreign account data D2.

In this way, the money transfer service system 1 of the present embodiment can convert the cash (e.g., cash in New Taiwan dollars) held by the foreign worker into deposits (e.g., deposits in pesos) in the overseas receiving account.

In step S11 following step S6, once the processing unit 121 determines that the order data to be processed does not meet the verification condition, the processing unit 121 generates a verification failure notification corresponding to the order verification request, and transmits the verification failure notification to the control unit 111 of the server device 11, so that the control unit 111 controls the display unit 112 to display a verification failure message according to the verification failure notification, thereby prompting the foreign worker to re-operate.

The above is an example explanation of how the payment transfer service system 1 of this embodiment implements the payment transfer method.

It is particularly noted that steps S1 to S11 of this embodiment and the flowchart of FIG2 are only used to illustrate one of the practicable ways of the present new payment transfer method. It should be understood that even if steps S1 to S11 are merged, split or adjusted in sequence, if the process after merging, splitting or adjusting in sequence performs similar functions in a similar manner and obtains similar results compared with the present embodiment, it still belongs to the practicable aspects of the present new payment transfer method. Therefore, steps S1 to S11 of this embodiment and the flowchart of FIG2 are not used to limit the practicable scope of the present invention.

In summary, by implementing the money transfer method, the money transfer service system 1 provides foreigners with a brand new, convenient and highly information-secure cross-border money transfer channel. Moreover, compared with the method of cross-border wire transfer through domestic and foreign banking institutions, the present embodiment uses encrypted currency to transfer money for foreign workers, which can effectively shorten the operation time required for the money to be transferred to the overseas receiving account. Furthermore, the money transfer service system 1 allows foreigners to use the service-end device 11 to deliver the cash to be transferred abroad in a cardless operation. In this way, even if the foreigner does not hold any financial account opened by a domestic banking institution, he can use this new type to quickly and conveniently complete the cash delivery operation. Therefore, the payment transfer service system 1 can indeed achieve the purpose of this novel system.

However, the above is only an example of the implementation of the present invention, and it cannot be used to limit the scope of the implementation of the present invention. All simple equivalent changes and modifications made according to the scope of the patent application of the present invention and the content of the patent specification are still within the scope of the present patent.

1: Money transfer service system 11: Server equipment 111: Control unit 112: Display unit 113: Input unit 114: Scanning unit 115: Bill collection unit 12: Management server system 121: Processing unit 122: Storage unit D: Registered user information D1: Account identification information D2: Overseas account information K1: Verification key information K2: User key information 20: Cryptocurrency trading server 30: User electronic device S1~S11: Steps

Other features and functions of the present invention will be clearly presented in the embodiments with reference to the drawings.

FIG1 is a block diagram showing an exemplary implementation of the novel payment transfer service system, as well as a cryptocurrency transaction server and a user electronic device suitable for use with the implementation.

FIG. 2 is a flow chart for exemplarily illustrating how this embodiment implements a migration method.

1: Fund transfer service system

11: Server equipment

111: Control unit

112: Display unit

113: Input unit

114: Scanning unit

115: Paper money collection unit

12: Management server system

121: Processing unit

122: Storage unit

D: Register user information

D1: Account identification information

D2: Overseas account information

K1: Verification end key data

K2: User key data

20: Cryptocurrency trading server

30: User electronic devices

Claims (5)

A money transfer service system is suitable for use with a server-side device, a user electronic device and a cryptocurrency transaction server; the money transfer service system comprises: A management-side server system, comprising: A processing unit, suitable for being electrically connected to the server-side device, the user electronic device and the cryptocurrency transaction server; and A storage unit, electrically connected to the processing unit, and storing a registered user data corresponding to a user account, wherein the registered user data includes an overseas account data indicating an overseas payment account; The processing unit is used to generate a payment transfer order data corresponding to the registered user data according to the payment transfer reservation request after receiving a payment transfer reservation request sent by the user electronic device when the user electronic device is allowed to log in with the user account, and store the payment transfer order data in the storage unit, wherein the payment transfer order data includes a specified transfer amount; The processing unit is also used to generate and transmit a currency issuance notification corresponding to the payment transfer order data to the cryptocurrency transaction server after receiving a payment completion notification transmitted by the server device, so that the cryptocurrency transaction server converts a cryptocurrency payment equal to the specified transfer amount into a foreign currency payment to be transferred to the foreign payment account according to the currency issuance notification, wherein the payment completion notification is used to indicate that the server device obtains a to-be-processed order data indicating the payment transfer order data, and receives a cash that matches the specified transfer amount of the payment transfer order data. A payment transfer service system as described in claim 1, wherein the processing unit is further used to transmit an order identification data corresponding to the payment transfer order data to the user electronic device after generating the payment transfer order data, so that the user electronic device can generate a barcode indicating an order data to be processed at least based on the order identification data, wherein the order data to be processed includes the order identification data. A payment transfer service system as described in claim 2, wherein the order data to be processed further includes a verification code, and the processing unit is further used to, after transmitting the order identification data to the user electronic device, determine whether the order data to be processed included in the order verification request meets a verification condition when receiving an order verification request sent by the server device and including the order data to be processed, and transmit a verification success notification corresponding to the order verification request to the server device when the judgment result is yes, wherein the verification condition includes that the order identification data of the order data to be processed matches the payment transfer order data, and the verification code to be processed included in the order verification request is valid. A payment transfer service system as described in claim 3, wherein the order identification data is the result of the processing unit encrypting the payment transfer order data, and the processing unit determines whether the order identification data matches the payment transfer order data by decrypting the order identification data and determining whether the decryption result of the order identification data matches the payment transfer order data. If they match, it is determined that the order identification data matches the payment transfer order data; if they do not match, it is determined that the order identification data does not match the payment transfer order data. A payment transfer service system as described in claim 3, wherein the registered user data further includes a verification end key data, and the processing unit determines whether the verification code is valid by generating a verification reference code based on the verification end key data and verification end time data related to the current time, and determining whether the verification code is consistent with the verification reference code. If they are consistent, the verification code is determined to be valid, and if they are inconsistent, the verification code is determined to be invalid.