TWM561861U - Internet payment money transfer system - Google Patents

Abstract

The network payment transfer system includes a communication module, a processing module and a database. The communication module is electrically connected to the bank server, and is configured to receive a request for transfer and transfer information transmitted by the electronic device when the account transfer amount is transferred from the transfer source source network to the transfer destination bank account. The database records a plurality of user accounts, each of which has a virtual account and an amount of information. The processing module is electrically connected to the communication module and the database. The processing module is configured to obtain a transfer destination bank account, a transfer account source network payment account, and a transfer account amount through the content of the request transfer account message, to form a transfer message, wherein the transfer message is generated. Account Source The online payment account is an account of one of a plurality of user accounts.

Description

Network payment transfer system

The present invention relates to a network payment transfer system, and more particularly to a network payment transfer system that can transfer funds to and from a bank account.

With the rapid development of Internet technology, not only is e-commerce popular, but online payment services have become an indispensable payment tool for the Internet era. Internet payment services include third-party payment, electronic payment, and mobile payment. In essence, third parties (network payment service providers) other than the parties to the transaction provide the recipients and payers through the network. Payment services; early online payment services, mainly on the e-commerce platform to provide trusted third-party payment services for sellers and buyers who do not know each other, to promote online transactions, but with online payment With the rapid development of services, online payment services have not only developed into offline transactions (O2O), but have also evolved into mobile payments, with smart phones as payment tools, enabling online payment applications to be deepened. The daily life of consumers.

However, the current online payment service has a considerable degree of closure in application. The most obvious thing is that both the payee and the payer must use the payment system provided by the same online payment service provider to successfully complete the payment and payment through the online payment service system; for example, the payee must By joining the specific online payment service system, the user can use the specific network payment service system to pay the payment, and the payer must also use the specific network payment service system to use the specific network payment service system. Pay the money to the payee. Another obvious closed restriction of the online payment service system is that no matter the payee or the payer, they can only transfer money within the same online payment service system, that is, they can only transfer the amount to the same one. Other user accounts in the online payment service system, or accepting the transfer amount of other user accounts in the same online payment service system, cannot accept the direct transfer amount of the user outside the system, or directly transfer the amount to the system. External accounts, such as online payment accounts and bank accounts, cannot be transferred directly to each other. Although online payment service providers currently have the ability to provide users with the ability to withdraw their online payment account to their designated bank account, users can only withdraw to their pre-defined bank account, and It is not possible to freely transfer to any bank account; in addition, although online payment service providers have provided the ability for users to link their online payment accounts to their designated bank accounts, online payment accounts need to be consumed or When you store your value, you can deduct the required amount directly from the bank account to which you are linked, but you can only connect to a pre-set bank account, and you are not free to transfer the amount from any bank account to the online payment account.

Therefore, it is necessary to provide a method for transferring funds between an online payment account and a bank account, so that the user of the online payment account can pay the online payment account without prior setting or designation. The amount transferred to any bank account (whether or not the user's own bank account), can also accept any bank account (whether or not the user's own bank account) transfer the amount to their online payment Accounts to increase the usability and convenience of online payment accounts and the interoperability between online payment accounts and bank accounts.

The main purpose of the present invention is to provide an online payment transfer system that can transfer funds to and from a physical bank, so that users of the online payment account can pay for their online payment without prior setting or designation. The amount in the account, transferred to any bank account (whether or not the user's own bank account), can also accept any bank account (whether or not the user's own bank account) transfer the amount to their network Road payment account.

To achieve the above objective, the network payment transfer system of the present invention is electrically connected to a bank server and an electronic device, and the network payment transfer system has a corresponding online payment system financial account on the bank server. The network payment transfer system includes a communication module, a processing module and a database. The communication module is electrically connected to the bank server, and is configured to receive a request for transfer and transfer information transmitted by the electronic device when the account transfer amount is transferred from the transfer source source network to the transfer destination bank account. The database records a plurality of user accounts, each of which has a virtual account and an amount of information. The processing module is electrically connected to the communication module and the database. The processing module is configured to obtain a transfer destination bank account, a transfer account source network payment account, and a transfer account amount through the content of the request transfer account message, to form a transfer message, wherein the transfer message is generated. Account Source The online payment account is an account of one of a plurality of user accounts. After the processing module forms the outgoing message, the communication module transmits the outgoing message to the bank server, so that the bank server transfers the transferred amount from the online payment system financial account to the transfer account according to the outgoing message. Target bank account; when the transfer amount is transferred to the transfer destination bank account, the communication module receives a transfer completion message, and the processing module updates the database regarding the transfer source source network payment according to the transfer completion message. Information on the amount of the account.

According to an embodiment of the present invention, the communication module is further configured to receive a request for transfer account information when the transfer amount is transferred from a transfer source bank account to a transfer destination target online payment account; Used to obtain the transfer destination target online payment account, transfer account source bank account, and one-turn account amount through the content of the request transfer information, to form a transfer message, which is transferred to the account target network payment. The account is an account of one of the plurality of user accounts, and the processing module updates the information about the amount of the account transferred to the target network payment account according to the transfer message.

According to an embodiment of the present invention, each virtual account is in a format compliant with the entity account.

According to an embodiment of the present invention, wherein the online payment system financial account receives and escrows the transfer amount when transferring the amount from the transfer account source bank account to the transfer destination destination network payment account.

According to an embodiment of the present invention, the network payment transfer system further includes a decryption module, and the decryption module is electrically connected to the processing module, and the decryption module is configured to decrypt the request for the transfer of the account or request the transfer of the account information.

According to an embodiment of the present invention, the network payment transfer system further includes an encryption module, and the encryption module is electrically connected to the processing module, and the encryption module is used to encrypt the outgoing message.

According to an embodiment of the present invention, the communication module is further configured to transmit a transfer completion notification to the user account whose amount information is updated.

According to an embodiment of the present invention, wherein the bank server is electrically connected to a bank transfer system, and the transfer amount is transferred from the transfer source source network to the transfer destination bank account, the bank server is based on the outgoing message. By using the bank transfer system, the transfer amount is transferred from the online payment system financial account to the transfer destination target bank account; when the transfer amount is transferred from the transfer source bank account to the transfer destination target online payment account, From the bank transfer system, the transfer source bank account transfers the transferred account amount to the online payment system financial account, so that the online payment system financial account receives and escrows the transfer amount.

In order to enable the reviewing committee to better understand the technical content of the present invention, the preferred embodiments are described below.

Hereinafter, please refer to FIG. 1 to FIG. 6 for the transfer method between the online payment account and the bank account and the network payment transfer system according to the first embodiment of the present invention. 1 is a system architecture diagram of a network payment transfer system, a bank server, a bank transfer system, an external bank server, and an electronic device according to a first embodiment of the present invention; FIG. 2 is a network of the first embodiment of the present invention; Flowchart of the steps of the transfer method between the payment account and the bank account; FIG. 2a is a flow chart of the steps of another part of the transfer method between the online payment account and the bank account of the first embodiment of the present invention; FIG. The schematic diagram of the operation interface of the network payment transfer system of the first embodiment; FIG. 4 is a schematic diagram of the database of the network payment transfer system of the first embodiment of the present invention; FIG. 5 is a network of the first embodiment of the present invention. Schematic diagram of the updated database of the road payment transfer system; FIG. 6 is a schematic diagram of the transfer completion notice of the first embodiment of the present invention.

In the first embodiment of the present invention, as shown in FIG. 1 to FIG. 2, the transfer method between the online payment account and the bank account of the present invention is applied to a network payment transfer system 1, which allows the user to It is free to transfer money from an external bank to the online payment transfer system 1, or transfer money from the online payment transfer system 1 to an external bank. The network payment transfer system 1 is electrically connected to a bank server 500 and an electronic device 800. The bank server 500 is a financial server of a physical bank, which can handle financial transfer, deposit and account management; in this embodiment, the bank server 500 is assumed to be a financial server of Fubon Bank, and its bank code is 012. The network payment transfer system 1 has a corresponding one online payment system financial account 510 at the bank server 500, and the online payment system financial account 510 is used to receive and host the money transferred by the external bank to the online payment transfer system 1. The online payment system financial account 510 does not transfer money without the user's request for a transfer. In this embodiment, the network payment transfer system 1 cooperates with the physical bank to which the bank server 500 belongs, and if the bank server 500 receives the transfer information of a specific account (for example, an account with a first four codes of 7777), then the The transfer information will be passed to the bank server 500 and the associated transfer amount will be processed by the online payment system financial account 510. The electronic device 800 can be a network connection function device such as a computer, a smart phone or a tablet computer, which can be operated by a user to connect to the network payment transfer system 1.

In the first embodiment of the present invention, the bank server 500 is electrically connected to a bank transfer system 600, and the bank transfer system 600 is electrically connected to an external bank server 700. The bank transfer system 600 is an entity transfer system for processing the transfer service between banks, that is, the financial servers of the respective banks are linked to the bank transfer system 600; in this embodiment, only two bank servers are displayed. 500, 700 are linked to the bank transfer system 600. The external banking server 700 is an external banking financial server that handles financial transfers, deposits, and account management. The external bank server 700 has an external bank account 710, which is a financial account of the external bank's client at the external bank; in this embodiment, the external bank is assumed to be the South China Bank, and its bank code is, for example, 008, an external bank account. The number of 710 is, for example, 123200666666. It should be noted that the bank server 500, the bank transfer system 600 and the external bank server 700 have been widely used in the banking and finance industries, and it is not the focus of the case, so it will not be repeated.

The network payment transfer system 1 of the present invention comprises a communication module 10, a processing module 20, a decryption module 30, an encryption module 40 and a database 50. The communication module 10 is, for example, a network card electrically connected to the bank server 500 and the electronic device 800. The communication module 10 is configured to transfer the account transfer amount from the transfer source network to the transfer destination bank account. The process, or the process of transferring the amount from the transfer source bank account to the transfer destination destination online payment account, receives an externally requested request for a transfer or a transfer request message. The decryption module 30 can decrypt the encrypted message. The encryption module 40 encrypts the message to prevent leakage of information. As shown in FIG. 4, the database 50 records a plurality of user accounts 51. Each user account 51 has a virtual account 52 and an amount of information 54 and can also record user data corresponding to the user account 51 (eg, e-mail 53). The amount information 54 further has a page of the amount information detail 541, which records the amount of change of the amount information 54 such as the transfer date, the transfer amount, the transfer amount and the balance, and the like. The processing module 20 is, for example, a central processing unit electrically connected to the communication module 10, the decryption module 30, the encryption module 40, and the database 50. The processing module 20 is configured to control the operation of the communication module 10, the decryption module 30, the encryption module 40, and the database 50, and analyze and process the information received by the communication module 10. In the present invention, the user of each electronic device 800 needs to apply for a user account, a password, and a virtual account to the online payment transfer system 1, and the user must input the correct account password through the electronic device 800 to succeed. Log in to the online payment transfer system 1 to transfer funds using a virtual account. However, the process of applying for an account and password and logging into the system is a well-known computer technology, and it is not the focus of this case, so I will not repeat them.

It should be noted that when the user applies for a virtual account to the online payment transfer system 1, the online payment transfer system 1 cooperates with the online payment system financial account 510 of the bank server 500 to generate a dispatchable system for the user. a virtual account, the number of the virtual account is in the format specified by the entity account, which has 12 to 14 digits, and the virtual account is designed to be 7777 in the first four codes, which is in compliance with the network payment transfer system 1 and the bank server 500. The specific account rule; thereby, when the bank server 500 receives the request from the external bank to remit the money to the account of the first four codes of 7777, the bank server 500 can determine that the remittance request needs to be transferred to the network payment transfer system 1 Processing, and the money required for the remittance will be transferred to the online payment system financial account 510 escrow; however, the specific number of the virtual account is not limited to the previous four yards of 7777, which can be based on the actual use needs of the bank. change.

The novel network payment transfer system 1 can provide a stored value function in conjunction with the online payment system financial account 510. The user can use the electronic device 800 to connect to the online payment transfer system 1 and store the value. The stored value will be handed over to the online payment system financial account 510, and the online payment transfer system 1 will be in the database 50. Update the user's stored amount. In addition, the network payment transfer system 1 can also provide a transfer function in conjunction with the online payment system financial account 510. The flow of the transfer of the online payment account from the online payment transfer system 1 to the transfer account of the external bank to the target bank account will be described below.

In the first embodiment of the present invention, the transfer method between the online payment account and the bank account can be programmed into a computer program product and stored in the network payment transfer system 1. When the network payment transfer system 1 loads and executes the computer program product of the transfer method between the online payment account and the bank account, as shown in FIG. 2, the following network can be performed in conjunction with the transfer message transmitted from the electronic device 800. The method of transfer between the bank payment account and the bank account. First, if the user Amy of the electronic device 800 wants to execute the process of transferring the account transfer amount from the transfer source network to the transfer destination bank account, the money stored in the online payment transfer system 1 is transferred. To the external bank account 710, as shown in FIG. 2, the user can first log in to the network payment transfer system 1 by using the electronic device 800, and execute step 801: transmit a request for transfer account information.

As shown in FIG. 1 and FIG. 3, after the user Amy logs into the network payment transfer system 1 using the electronic device 800, the network payment transfer system 1 provides an operation interface A. The operation interface A will display Amy's personal information. For example, Amy's user account B is MISSAMY, the stored amount D is 20,000 yuan, the contact mailbox is P06341@gmail.com, etc. In addition, the operation interface A also provides the transfer account target. The account filling area E, the bank code filling area F, and the transfer amount filling area G are provided for the user to fill in the transfer related information.

In this embodiment, Amy wants to transfer 1,000 yuan from his virtual account to the account of 123200666666 of South China Bank (with bank code 008). Therefore, Amy遂 fills in "123200666666" in the transfer destination account filling area E, fills in "008" in the bank code filling area F, fills in "1000" in the transfer amount filling area G, and presses the send button. To transfer the account-out message to form a request for "debiting 1000 yuan from the 7777-111-555555 account to the 123200666666 account of the bank of the 008 code", the request transfer information will be encrypted and transmitted from the electronic device 800 to the network. Road payment transfer system 1.

Next, the network payment transfer system 1 proceeds to step 101: receiving a request transfer message transmitted by the electronic device. The communication module 10 of the network payment transfer system 1 receives the encrypted request transfer message transmitted by the electronic device 800, and the communication module 10 transmits the request transfer message to the decryption module 30.

Next, the network payment transfer system 1 proceeds to step 102: decrypting the request for the transfer of the account information. The decryption module 30 decrypts the request transfer message and transmits the decrypted request transfer message to the processing module 20.

Then, the network payment transfer system 1 proceeds to step 103: by requesting the contents of the transfer account information, to obtain a transfer destination bank account, a transfer source network payment account, and a transfer amount to form a transfer amount. A roll-out message in which the transfer-origin network payment account is one of the plurality of user accounts.

As shown in FIG. 1 and FIG. 4, the processing module 20 cooperates with the database 50 through the contents of the "transfer of 1,000 yuan from the 7777-111-555555 account to the 123200666666 account of the bank of the 008 code". For the record, the bank account with the transfer destination is "123200666666 account of the bank of 008 code", the transfer source network payment account 51a is "7777-111-555555 account", and the transfer amount is "1000 yuan". It can be known from the transfer code source network payment account 51a that the "7777-111-555555 account" is four codes before the transfer account source network payment account is one of the plurality of user accounts of the network payment transfer system 1. For the MISSAMY account, the account with the target bank account "123200666666 account of the bank of 008 code" is the account of the external bank, and the request for the transfer account is sent by the user Amy's electronic device 800, so the processing module 20 can Judging that the request transfer account information is to be transferred from the online payment transfer system 1 to the external bank, the processing module 20 will form a transfer message according to the content of the transfer request message: "7777-111-555555 account needs Transfer the deposit of 1,000 yuan to the bank of the 123200666666 account of the 008 code, the transfer amount of 1000 yuan is paid by the online payment system financial account."

Next, the network payment transfer system 1 proceeds to step 104: encrypting the outgoing message. The encryption module 40 encrypts the outgoing message to prevent the content of the message from being leaked, and transmits the encrypted outgoing message to the communication module 10.

Next, the network payment transfer system 1 proceeds to step 105: transmitting the outgoing message to the bank server 500. After receiving the encrypted outgoing message, the communication module 10 transmits the encrypted outgoing message to the bank server 500.

Next, the bank server 500 proceeds to step 501: receiving the outgoing message. The bank server 500 receives the encrypted outgoing message transmitted by the communication module 10, and decrypts the outgoing message to know that the content of the outgoing message is: "7777-111-555555 account needs to transfer 1000 yuan to 008 code The bank's 123200666666 account, the transfer amount of 1000 yuan is paid by the online payment system financial account."

Next, the bank server 500 proceeds to step 502: according to the outgoing message, the transfer amount is transferred from the online payment system financial account, and the outgoing message is transmitted. The bank server 500 will remit the transfer amount of 1000 yuan from the online payment system financial account to the bank transfer system 600 according to the instruction of the outgoing message, and transmit the outgoing message to the bank transfer system 600 as well.

Next, as shown in FIG. 1 and FIG. 2a, the bank transfer system 600 performs step 601: receiving the outgoing message and the transfer amount. The bank transfer system 600 will receive the outgoing message and the transfer amount of 1,000 yuan.

Next, the bank transfer system 600 performs step 602 of transmitting the transfer amount to the external banking server 700 based on the outgoing message. The bank transfer system 600 will transfer the transfer amount of 1000 yuan to the 123200666666 account of the bank of the 008 code according to the contents of the outgoing message, that is, the external bank account 710 transmitted to the external bank server 700.

Next, the external banking server 700 performs step 701 of receiving the transfer amount and importing the transfer destination bank account. The external banking server 700 will receive the transfer amount of 1000 yuan, and transfer the transfer amount of 1000 yuan into the external bank account 710 of the transfer destination bank account (that is, the account with the account number of 123200666666).

Next, the external banking server 700 performs step 702: transmitting a payment confirmation message. When the transfer amount of 1000 yuan is successfully transferred to the transfer destination bank account, the external bank server 700 transmits a payment confirmation message to the bank transfer system 600.

Next, the bank transfer system 600 proceeds to step 603: receiving a payment confirmation message. The bank transfer system 600 receives the payment confirmation message transmitted by the external banking server 700 and confirms that the transfer was successful.

Next, the bank transfer system 600 proceeds to step 604: transmitting a transfer completion message. The bank transfer system 600 transmits a transfer completion message to the bank server 500 to inform the successful transfer of the message.

Next, as shown in FIG. 1 to FIG. 2, the bank server 500 performs step 503: receiving the transfer completion message and transmitting the transfer completion message. The bank server 500 receives the transfer completion message from the bank transfer system 600 and sends the transfer completion message to the network payment transfer system 1.

Next, the network payment transfer system 1 performs step 106: receiving a transfer completion message. The communication module 10 receives the transfer completion message sent from the bank server 500 and transmits the transfer completion message to the processing module 20.

Next, the network payment transfer system 1 performs step 107: updating the amount information of the database 50 regarding the transfer source source online payment account according to the transfer completion message.

The processing module 20 controls the database 50 to update the related information of the amount information 54 of the MISSAMY by the user account 51 of the transfer source source network payment account 51a according to the transfer completion message. Therefore, Amy's original amount of information details 541 will be updated from the total amount of 20,000 yuan (Figure 4) to 1,000 yuan and become the remaining 19,000 yuan (Figure 5).

Next, the network payment transfer system 1 performs step 108: transmitting a transfer completion notification to the user account whose amount information is updated.

The processing module 20 generates a transfer completion notification according to the transfer completion message and the changed database 50 content. The processing module 20 also searches the database 50 for the electronic mail box 53 whose user account 51 is MISSAMY as P06341@gmail.com, and controls the communication module 10 to transmit the transfer completion notification in the form of email to the user whose amount information is updated. Account 51 is the contact mailbox of MISSAMY.

Next, the electronic device 800 performs step 802: receiving a transfer completion notification. As shown in FIG. 1 and FIG. 6, the electronic device 800 receives the transfer completion notification in the form of an email transmitted by the communication module 10, which displays the relevant information of Amy's transfer success, so that Amy can understand his transfer situation.

Hereinafter, please refer to FIG. 7 to FIG. 10 for a transfer method and system between the online payment account and the bank account of the second embodiment of the present invention. 7 is a flow chart of steps of a method for transferring a network payment account and a bank account according to a second embodiment of the present invention; FIG. 7a is a method for transferring money between a network payment account and a bank account according to the second embodiment of the present invention; FIG. 8 is a schematic diagram of a database of the network payment transfer system of the second embodiment of the present invention; FIG. 9 is an updated data of the network payment transfer system of the second embodiment of the present invention. Schematic diagram of the library; FIG. 10 is a schematic diagram of the transfer completion notice of the second embodiment of the present invention.

As shown in FIG. 7 and FIG. 7a, the second embodiment differs from the first embodiment in that the second embodiment describes the transfer from the external bank to the source bank account to the money transfer to the online payment transfer system 1. The process of entering the transfer amount of the target network payment account. In the second embodiment, if the user Jack of one of the external banking servers 700 wants to transfer the amount of money, from the account (account number is 550055001234), 5,000 yuan is transferred to Amy of the online payment transfer system 1. For the virtual account, Jack can use a bank teller machine to enter Amy's account number 7777-111-555555 in the operation interface of the bank teller machine, enter the bank code 012 to which the bank server 500 belongs, and transfer to The amount of the account is 5,000 yuan. The bank withdrawal opportunity is connected to the external bank server 700, and the external bank server 700 sorts the transfer information into a request for transfer information, and transmits the transfer request message and the transfer amount of 5,000 yuan to the bank transfer. System 600. Since Amy's virtual account number conforms to the format specified by the physical account, bank transfer system 600 can treat Amy's account as a physical account.

Next, the bank transfer system 600 performs step 621 of receiving the request transfer information and the transfer amount. The bank transfer system 600 receives the request transfer information and the transfer amount of 5,000 yuan from the external bank server 700, and analyzes the contents of the transfer account information.

Next, the bank transfer system 600 proceeds to step 622: according to the request transfer account information, the transfer account amount is remitted to the transfer account target network payment account, and the transfer request account information is transmitted. The bank transfer system 600 will analyze that the transfer amount of 5,000 yuan needs to be transferred to the bank 7777-111-555555 account with the code 012, so the bank transfer system 600 will transfer the request transfer information and the transfer amount of 5,000 yuan to Bank server 500.

Next, the bank server 500 performs step 521 of receiving the request transfer information and the transfer amount. The bank server 500 receives the request transfer information and the transfer amount of 5,000 yuan from the bank transfer system 600, and analyzes the contents of the transfer account information.

Next, the bank server 500 performs step 522: the transfer account amount is transferred to the online payment system financial account. After analyzing the content of the transfer request message, the bank server 500 knows that the transfer amount of 5,000 yuan needs to be remitted to the virtual account of 7777-111-555555 in the network payment transfer system 1, and therefore, the bank server 500 will 5,000 yuan is transferred to the online payment system financial account 510, and the online payment system financial account 510 receives and escrows the transfer amount of 5,000 yuan.

Next, the bank server 500 performs step 523 of transmitting the request transfer information. The bank server 500 encrypts the request transfer information and transmits it to the network payment transfer system 1.

Next, the network payment transfer system 1 proceeds to step 121: receiving a request for transfer account information. The communication module 10 of the network payment transfer system 1 receives the encrypted request transfer information transmitted by the bank server 500, and the communication module 10 transmits the request transfer information to the decryption module 30.

Next, the network payment transfer system 1 proceeds to step 122: decrypting the request transfer account information. The decryption module 30 decrypts the request transfer information and transmits the decrypted request transfer information to the processing module 20.

Then, the online payment transfer system 1 proceeds to step 123: through the content of the request transfer account information, to obtain a transfer account target online payment account, a transfer account source bank account, and a transfer account amount to form A transfer message in which the account to which the target network payment account is transferred is one of the plurality of user accounts.

As shown in FIG. 1 and FIG. 8, the processing module 20 cooperates with the database 50 to obtain the transfer destination target online payment account 51b as "7777-111-555555 account" and transfer it by the content of the request transfer information. The account source bank account is "550055001234 account" and the transfer amount is "5000 yuan". According to the four codes before the transfer account network payment account 51b "7777-111-555555 account", the transfer destination account online payment account is one of the multiple user accounts of the online payment transfer system 1 MISSAMY The account, the transfer source bank account "550055001234" is the account of the external bank, and the request for the transfer account message is sent by the bank server 500, so the processing module 20 can judge that the request transfer account message is to be externally The bank transfer is transferred to the online payment transfer system 1, so the processing module 20 will form a transfer message according to the content of the transfer account message: "550055001234 account transfer 5000 yuan to 7777-111-555555 account, the transfer amount is 5000 yuan Received and hosted by the online payment system financial account."

Next, the network payment transfer system 1 proceeds to step 124: according to the transfer message, the amount information of the database 50 regarding the transfer destination online payment account is updated.

The processing module 20 updates the information about the amount information 54 about the transfer destination network payment account 51b (7777-111-555555 account) based on the transfer message. Therefore, among the 7777-111-555555 accounts, the original amount information detail 541 will be increased from the total amount of 19,000 yuan (Figure 8) to 5,000 yuan and will be increased to 24,000 yuan (Figure 9).

Next, the network payment transfer system 1 performs step 125: transmitting a transfer completion notification to the user account whose amount information is updated.

The processing module 20 generates a transfer completion notification according to the transfer message and the changed database 50 content. The processing module 20 also retrieves the e-mail address 53 of the 7777-111-555555 account in the database 50 as P06341@gmail.com, and controls the communication module 10 to transmit the transfer completion notification in the form of email to the 7777- 111-555555 account contact mailbox.

Next, the electronic device 800 performs step 821: receiving a transfer completion notification. As shown in FIG. 1 and FIG. 10, the electronic device 800 receives the transfer completion notification in the form of an email transmitted by the communication module 10, which displays information related to the transfer of the Amy account.

The design of the online payment transfer system 1 and the online payment account and the bank account transfer method allows the user to freely transfer money from the external bank to the virtual account of the online payment transfer system 1, or The money is transferred from the virtual account of the online payment transfer system 1 to the external bank. In addition, since the number of each virtual account is in the format stipulated by the entity account, the existing bank transfer system 600 can transfer the virtual account as a physical account, and the general user can also treat each virtual account as an entity account. And transfer to the virtual account using the traditional transfer method that the average user is used to.

It should be noted that the above is only an embodiment, and is not limited to the embodiment. For example, those who do not deviate from the basic structure of this new model shall be the scope of rights claimed in this patent, and shall be subject to the scope of patent application.

1‧‧‧Internet Payment Transfer System
10‧‧‧Communication module
20‧‧‧Processing module
30‧‧‧Decryption module
40‧‧‧Encryption Module
50‧‧‧Database
51‧‧‧ account
51a‧‧‧Transfer Source Online Payment Account
51b‧‧‧ Transfer to the target network payment account
52‧‧‧Virtual Account
53‧‧‧E-mail
54‧‧‧Amount information
541‧‧‧Amount information details
500‧‧‧Bank server
510‧‧‧Internet Payment System Financial Account
600‧‧‧Bank Transfer System
700‧‧‧External Bank Server
710‧‧‧External bank account
800‧‧‧Electronic devices
A‧‧‧ operation interface
B‧‧‧user account
D‧‧‧Storage Amount
E‧‧‧Transfer account target account filling area
F‧‧‧Bank code filling area
G‧‧‧Transfer amount

1 is a system architecture diagram of a network payment transfer system, a bank server, a bank transfer system, an external bank server, and an electronic device of the first embodiment of the present invention. 2 is a flow chart showing the steps of a method for transferring money between a network payment account and a bank account in the first embodiment of the present invention. Figure 2a is a flow chart showing the steps of another part of the method of transferring money between a network payment account and a bank account in the first embodiment of the present invention. 3 is a schematic diagram of an operation interface of the network payment transfer system of the first embodiment of the present invention. 4 is a schematic diagram of a database of a network payment transfer system of the first embodiment of the present invention. FIG. 5 is a schematic diagram of an updated database of the online payment transfer system of the first embodiment of the present invention. Figure 6 is a schematic diagram of a transfer completion notice of the first embodiment of the present invention. 7 is a flow chart showing the steps of a method for transferring money between a network payment account and a bank account in the second embodiment of the present invention. Figure 7a is a flow chart showing the steps of another part of the method of transferring money between a network payment account and a bank account in the second embodiment of the present invention. 8 is a schematic diagram of a database of a network payment transfer system of a second embodiment of the present invention. 9 is a schematic diagram of an updated database of the online payment transfer system of the second embodiment of the present invention. Figure 10 is a schematic diagram of a transfer completion notification of the second embodiment of the present invention.

Claims (8)

A network payment transfer system electrically connecting a bank server and an electronic device, the network payment transfer system having a corresponding online payment system financial account on the bank server, the network payment transfer system comprising: The communication module is electrically connected to the bank server, and is configured to receive a request for transfer and transfer information transmitted by the electronic device when the account transfer amount is transferred from the transfer source network to the transfer destination bank account; a database for recording a plurality of user accounts, each user account having a virtual account and an amount of information; and a processing module electrically connecting the communication module and the database, the processing module for transmitting the request Transferring the contents of the billing information to obtain the transfer destination bank account, the transfer source source network payment account, and the one-off billing amount to form a roll-out message, wherein the bill-out source network payment account An account of one of the plurality of user accounts; wherein, after the processing module forms the outgoing message, the communication module transmits the outgoing message to the bank servo And causing the bank server to remit the transfer amount from the online payment system financial account to the transfer destination bank account according to the outgoing message; when the transfer amount is transferred to the transfer account After the target bank account is registered, the communication module receives a transfer completion message, and the processing module updates the amount information about the amount of the online payment account of the transfer account according to the transfer completion message. The online payment transfer system of claim 1, wherein the communication module is further configured to receive a request from a transfer account source bank account to a transfer account destination online payment account. Transferring the account information; the processing module is further configured to obtain the transfer destination target online payment account, the transfer account source bank account, and the transfer account amount through the content of the transfer account information to form the transfer account a transfer message, wherein the transfer destination network payment account is an account of one of the plurality of user accounts, and the processing module updates the database regarding the transfer destination network according to the transfer message The amount of information about the payment account. The online payment transfer system of claim 2, wherein each of the virtual accounts is in a format compliant with the entity account. The online payment transfer system of claim 3, wherein the online payment system financial account receives the generation when the transfer amount is transferred from the transfer source bank account to the transfer destination target online payment account. The transfer amount. The network payment transfer system of claim 4, wherein the network payment transfer system further comprises a decryption module, the decryption module is electrically connected to the processing module, and the decryption module is configured to decrypt the Request a rollout message or the request to transfer the account information. The network payment transfer system of claim 5, wherein the network payment transfer system further comprises an encryption module, the encryption module is electrically connected to the processing module, and the encryption module is used to encrypt the Transfer the message. The online payment transfer system of claim 6, wherein the communication module is further configured to transmit a transfer completion notification to the user account whose amount information is updated. The online payment transfer system of claim 7, wherein the bank server is electrically connected to a bank transfer system, and the account transfer amount is transferred from the transfer source source network to the transfer destination bank. In the case of an account, the bank server, based on the outgoing message, transfers the transfer amount from the online payment system financial account to the transfer destination bank account by the bank transfer system; from the transfer account When the source bank account transfer amount is transferred to the transfer destination network payment account, the transfer account source bank account transfers the transfer account amount to the online payment system financial account by the bank transfer system, so that the transfer account amount is transferred to the online payment system financial account The online payment system financial account receives and manages the transfer amount.