Transfer limit lock system and method thereof

Abstract

A transfer limit lock system and method are disclosed, which allows users to set a single non-agreed transfer limit via a mobile device, which serves as the single non-agreed transfer limit for the corresponding user account. When the amount of a single transfer exceeds the single non-agreed transfer limit, the mobile device changes the single transfer transaction from an in-process state to a paused state and initiates an enhanced verification process to drive a biometric sensor for verification. Once the verification is successful, the single transfer transaction will automatically resume the in-process state to continue completing the single transfer transaction, thereby achieving the technical effect of improving the security and flexibility of transfer transactions.

Description

Technical Field

[0001] This invention relates to a transfer system and method, particularly a system and method for initiating an enhanced verification procedure when the amount of a single non-contractual transfer exceeds a preset limit. Prior Technology

[0002] In recent years, with the popularization and vigorous development of mobile financial services, various mobile banking applications have sprung up like mushrooms after rain, among which online single-transfer transactions are one of the most commonly used functions.

[0003] Generally, traditional mobile banking transfer transactions typically involve banks setting fixed limits on single or daily transfers (e.g., 50,000 per transaction, 100,000 per day, etc.) for risk management. However, this rigid limit system prevents users from flexibly adjusting it according to their usage habits and security needs, resulting in insufficient security and flexibility for traditional mobile banking transfer transactions.

[0004] In light of this, some manufacturers have proposed security mechanisms to regulate specific high-risk scenarios, such as cross-border locks or nighttime locks. These mechanisms proactively protect account security by locking transactions during specific times or in specific regions. However, this approach does not allow users to set customized transfer limits according to their own needs. Protection against risks caused by incorrect amount input or fraudulent transactions involving specific amounts remains limited, thus failing to adequately address the issues of insufficient security and flexibility in transfer transactions.

[0005] In conclusion, it is clear that previous technologies have long suffered from insufficient security and flexibility in fund transfer transactions. Therefore, it is necessary to propose improved technologies to solve this problem. Summary of the Invention

[0006] This invention discloses a transfer limit lock system and method.

[0007] First, this invention discloses a transfer limit locking system, which includes: a bank-side host and a mobile device. The bank-side host stores multiple user accounts, each user account corresponding to a single non-pre-agreed transfer limit; the mobile device is connected to the bank-side host and includes: a biometric sensor, a touch display element, a non-transitory computer-readable storage medium, and a hardware processor. The biometric sensor senses biometric features; the touch display element displays a graphical user interface (GUI) and allows setting a single non-pre-agreed transfer limit within the GUI; the GUI stores multiple instructions; the hardware processor is connected to the biometric sensor, touch display element, and GUI, and executes instructions to: initially, log in to the bank-side host using one of the multiple user accounts; after the user sets a single non-pre-agreed transfer limit through the GUI, the set limit is... A non-agreed transfer limit is transmitted to the bank's host computer to adjust the single non-agreed transfer limit for the corresponding user account; and when executing a single transfer transaction containing a single transfer amount, it detects whether the single transfer amount exceeds the single non-agreed transfer limit. If so, the single transfer transaction is changed from an executing state to a paused state, and an enhanced verification procedure is initiated. The enhanced verification procedure drives a biometric sensor to sense biometric features and perform verification. After successful verification, the single transfer transaction is automatically changed from a paused state to an executing state to continue completing the single transfer transaction.

[0008] Furthermore, this invention also discloses a method for locking transfer limits, executed by a mobile device connected to a bank's host computer. The host computer stores multiple user accounts, each corresponding to a single non-pre-agreed transfer limit. The mobile device performs the following steps: initially, logging into the host computer using one of the multiple user accounts; displaying a graphical user interface on the mobile device's touchscreen; and after the user sets a single non-pre-agreed transfer limit through the graphical user interface, transmitting the set limit. The system connects to the bank's mainframe to adjust the single non-agreed transfer limit for the corresponding user account. When executing a single transfer transaction containing a single transfer amount, it detects whether the single transfer amount exceeds the single non-agreed transfer limit. If so, it changes the single transfer transaction from an executing state to a paused state and initiates an enhanced verification procedure. The enhanced verification procedure includes driving a biometric sensor to sense biometric features and perform verification. After successful verification, it automatically changes the single transfer transaction from a paused state to an executing state to continue completing the single transfer transaction.

[0009] The system and method disclosed in this invention are as described above. The difference between this invention and the prior art is that this invention allows users to set a single non-agreed transfer limit via a mobile device, which serves as the single non-agreed transfer limit for the corresponding user account. When the single transfer amount exceeds the single non-agreed transfer limit, the mobile device changes the single transfer transaction from an in-process state to a paused state and initiates an enhanced verification process to drive the biometric sensor for verification. Once the verification is successful, the single transfer transaction will automatically resume to the in-process state so that the single transfer transaction can be completed.

[0010] Through the above-mentioned technical means, the present invention can achieve the technical effect of improving the security and flexibility of transfer transactions. Simple Explanation of the Diagram

[0011] Figure 1 is a system block diagram of the transfer limit lock system of the present invention. Figures 2A to 2C are flowcharts of the transfer limit locking method of the present invention. Figures 3A to 3E are schematic diagrams illustrating the application of this invention to set transfer limits and perform single non-contractual transfers. Figure 4 is a schematic diagram of the hardware architecture of the bank terminal host and mobile device of the present invention. Implementation

[0012] The following will describe the implementation of the present invention in detail with reference to the drawings and embodiments, so that the process of how the present invention uses technical means to solve technical problems and achieve technical effects can be fully understood and implemented accordingly.

[0013] Please refer to Figure 1 first. Figure 1 is a system block diagram of the transfer limit lock system of the present invention. This system includes a bank-side host 110 and a mobile device 120. The bank-side host 110 stores multiple user accounts, each user account corresponding to a single non-agreed transfer limit. In practice, the bank-side host 110 can be a server system of a financial institution, which communicates encrypted with the mobile device 120 via a communication network (e.g., the Internet) and is responsible for storing the single non-agreed transfer limit set by the user through the mobile device 120. This limit is bound to the user account and serves as the basis for risk control judgment of subsequent transfer transactions. In addition, the bank-side host 110 may also include a distributed database for different branches to simultaneously access user account and their single non-agreed transfer limit setting information and perform security control. For example, the bank's main unit 110 can automatically adjust and activate the single non-agreed transfer limit in the corresponding user account's data field according to the setting instructions transmitted from the mobile device 120, ensuring the timeliness and accuracy of the settings.

[0014] Mobile device 120 is connected to bank host 110. This mobile device 120 includes: a biometric sensor 121, a touch display element 122, a non-transitory computer-readable storage medium 123, and a hardware processor 124. The biometric sensor 121 is used to sense biometric features. In practice, the biometric sensor 121 can be a face recognition camera, fingerprint sensor, voiceprint sensor, etc., used to sense one or any combination of the user's facial features, fingerprint features, and voiceprint features. These features are digitized feature data, which are compared with pre-stored features in the mobile device 120 during verification. If the comparison matches, verification is considered successful.

[0015] The touch display element 122 is used to display a graphical user interface (GUI) and allows setting a single non-pre-arranged transfer limit within the GUI. For example, the GUI may include an enable switch to turn the transfer limit lock function on or off, and provide multiple preset amount options (e.g., NT$10,000, NT$15,000, NT$20,000) or an input field for entering a custom amount, thereby allowing users to quickly set their personal single non-pre-arranged transfer limit, which will be explained in detail later with illustrations.

[0016] The non-transitory computer-readable storage medium 123 is used to store multiple instructions. In practice, these instructions are multiple program instructions used to implement the functions of the present invention. Furthermore, the non-transitory computer-readable storage medium 123 can be non-volatile memory, a hard disk, a magnetic disk, a magnetic tape, or the like.

[0017] The hardware processor 124 is connected to the biometric sensor 121, the touch display element 122, and the non-transitory computer-readable storage medium 123. The hardware processor 124 executes instructions to achieve the following: initially, logging into the bank's host computer 110 using one of a plurality of user accounts; after the user sets a single non-arranged transfer limit through the graphical user interface, the set single non-arranged transfer limit is transmitted to the bank's host computer 110 to adjust the single non-arranged transfer limit of the corresponding user account; When executing a single transfer transaction containing a single transfer amount, the system detects whether the single transfer amount exceeds the single non-agreed transfer limit. If so, the single transfer transaction is changed from an executing state to a paused state, and an enhanced verification procedure is initiated. The enhanced verification procedure drives the biometric sensor 121 to sense biometric features (such as facial features or fingerprint features) and perform verification. After successful verification, the single transfer transaction is automatically changed from a paused state to an executing state to continue completing the single transfer transaction. In practice, when a single transfer amount exceeds the single non-agreed transfer limit, the enhanced verification procedure can also execute a handwriting recognition function, prompting the user to handwrite the amount on the touch display element 122. If the handwritten amount matches the single transfer amount, the single transfer transaction is completed. Alternatively, the microphone of the mobile device 120 can be driven to receive the voice amount, and then the voice amount can be recognized and compared with the single transfer amount. If the comparison matches, the single transfer transaction is completed. In addition, a single transfer transaction also includes the transfer recipient. The bank's host 110 continuously stores single transfer transactions as historical transfer records. When a single transfer amount exceeds the single non-agreed transfer limit and the transfer recipient is not in the historical transfer records, the mobile device 120 initiates a delayed transfer procedure to replace the enhanced verification procedure, delaying the single transfer transaction for a preset time interval (e.g., 10 minutes), and allowing the user to cancel the single transfer transaction within this preset time interval. In this way, through user-defined limit control and diverse enhanced verification mechanisms, the risk of incorrect amount input or fraudulent transactions can be effectively reduced. Furthermore, it provides a fraud prevention buffer for first-time transfers to unfamiliar accounts, significantly improving the overall security and flexibility of transfer transactions. It should be noted that when mobile device 120 changes a single transfer transaction from an in-process state to a suspended state, it means suspending the request for a single non-contractual transfer transaction to the bank's host 110. Only after the enhanced verification process changes the single transfer transaction from a suspended state to an in-process state will mobile device 120 actually send the request for the single non-contractual transfer transaction to the bank's host 110.Therefore, for the bank's main unit 110, there is no need to change the existing process of a single non-contractual transfer transaction. It only requires adding a transfer limit lock mechanism to the mobile device 120 and providing an additional field on the bank's main unit 110 to store the user-defined single non-contractual transfer limit, thus demonstrating high feasibility.

[0018] In addition, the hardware processor 124 can also perform the following steps to realize the intelligent risk control function: (1) continuously analyze historical transfer records. The dimensions of analysis may include transaction object (whether it is a frequently used contact person), transaction amount (whether it is within the range of historical average and standard deviation), transaction time (whether it is during the user's active period), transaction frequency and geographical location (obtained through the positioning element of the mobile device to determine whether it is in a frequently used location); (2) based on the above multi-dimensional data, use machine learning algorithms (e.g., Isolation Forest iForest or One-Class Support Vector Machine). (3) When a user initiates a single transfer transaction, before entering the transaction verification, the characteristics of the transaction (such as amount, object, time, current geographical location, etc.) are captured in real time so that these real-time characteristics can be compared with the aforementioned "normal transaction behavior model" to calculate a quantitative "real-time risk score" (e.g., 0 to 100 points, the higher the score, the higher the risk); (4) When the amount of a single transfer is less than the user's set single non-agreed transfer limit, but the "real-time risk score" exceeds the preset high-risk threshold (e.g., transfer to an unknown account and login from an overseas IP address), the enhanced verification procedure (e.g., biometric identification, handwriting identification, etc.) will still be actively triggered to make up for the blind spots of the static limit, intercept fraud using small amounts, high frequency or atypical patterns, and significantly improve security; and (5) When the amount of a single transfer is greater than the user's set limit, but the "real-time risk score" is lower than the preset low-risk threshold (e.g., monthly rent transferred to the landlord), the "enhanced verification procedure" can be automatically simplified or exempted. For example, what used to require an enhanced verification process can now be allowed directly, reducing the verification steps users need to take when performing predictable and secure routine large transactions, effectively improving transaction smoothness and user experience.

[0019] It is particularly noted that, in practical implementation, the invention may be implemented partially or completely based on hardware, for example, by hardware processors (Hardware Processors) such as integrated circuit chips, System on Chip (SoC), Complex Programmable Logic Device (CPLD), Field Programmable Gate Array (FPGA), etc. A computer program that implements the invention is executed on the hardware processor, which is stored in a computer-readable storage media, namely: loaded with computer-readable program instructions for enabling the hardware processor to implement various aspects of the invention, the computer-readable storage media may be a tangible device that can hold and store instructions for use by the command-executing device. Computer-readable storage media may be, but are not limited to, electrical storage equipment, magnetic storage equipment, optical storage equipment, electromagnetic storage equipment, semiconductor storage equipment, or any suitable combination of the foregoing. More specific examples of computer-readable storage media (not an exhaustive list) include: hard drives, random access memory, read-only memory, flash memory, optical discs, floppy disks, and any suitable combination of the above. The computer-readable storage media used here is not construed as instantaneous signals themselves, such as radio waves or other freely propagating electromagnetic waves, electromagnetic waves propagated through waveguides or other transmission media (e.g., optical signals via fiber optic cables), or electrical signals transmitted through wires. In addition, the computer-readable program instructions described here can be downloaded from computer-readable storage media to various computing / processing equipment, or to external computer equipment or external storage equipment via a network, such as: Internet, LAN, WAN and / or wireless network. The network can include copper transmission cables, fiber optic transmission, wireless transmission, routers, firewalls, switches, hubs and / or gateways. The network card or network interface in each computing / processing equipment receives computer-readable program instructions from the network and forwards these computer-readable program instructions for storage in the computer-readable storage media in the respective computing / processing equipment. A computer program instruction that performs an operation of the present invention may be a combination language instruction, an instruction set architecture instruction, a machine instruction, a machine-related instruction, a microinstruction, a firmware instruction, or a source code or object code (Object Code) written in any combination of one or more programming languages, including object-oriented programming languages, such as Common Lisp, Python, C++, Objective-C, Smalltalk, Delphi, Java, Swift, C#, Perl, Ruby and PHP, etc., as well as conventional procedural (Procedural) programming languages, such as C language or similar programming languages.The computer program instructions can be executed entirely on the computer, partially on the computer, partially on the client computer and partially on a remote computer, or entirely on a remote computer or server.

[0020] Please refer to Figures 2A and 2B, which are flowcharts of the transfer limit locking method of the present invention. The method is executed by a mobile device 120 connected to a bank host 110. The bank host 110 stores multiple user accounts, each corresponding to a single non-agreed transfer limit. The mobile device 120 performs the following steps: initially, it logs into the bank host 110 using one of the multiple user accounts (step 210); a graphical user interface is displayed on the touch display element 122 of the mobile device 120; and the user sets a single non-agreed transfer limit through the graphical user interface. Then, the set single-transfer limit is transmitted to the bank's host computer 110 to adjust the single-transfer limit of the corresponding user account (step 220); and when executing a single transfer transaction containing a single transfer amount, it is detected whether the single transfer amount exceeds the single-transfer limit. If so, the single transfer transaction is changed from an executing state to a paused state, and an enhanced verification procedure is initiated. The enhanced verification procedure includes driving the biometric sensor 121 to sense biometric features and perform verification, and after successful verification, automatically changing the single transfer transaction from a paused state to an executing state to continue completing the single transfer transaction (step 230). Through the above steps, the user can set a single-transfer limit via the mobile device 120, which serves as the single-transfer limit of the corresponding user account. When the amount of a single transfer exceeds the single non-agreed transfer limit, the mobile device 120 changes the single transfer transaction from the executing state to the paused state and initiates an enhanced verification procedure to drive the biometric sensor 121 to perform verification. Once the verification is successful, the single transfer transaction will automatically return to the executing state so that the single transfer transaction can be completed.

[0021] Alternatively, as shown in Figure 2B, after step 230, a handwriting recognition function can be executed, prompting the user to handwrite input on the touch display element 122 to generate a handwritten amount. When this handwritten amount is the same as the single transfer amount, it is considered to have passed verification and the single transfer transaction is completed (step 231). Alternatively, the microphone of the mobile device 120 can be driven to receive the voice amount, and then the voice amount can be recognized by voice to compare with the single transfer amount. When the comparison matches, it is considered to have passed verification and the single transfer transaction is completed (step 232). In addition, as shown in Figure 2C, if a single transfer transaction includes a transfer recipient, and the bank's host 110 continuously stores the single transfer transaction as a historical transfer record, then after step 230, when the amount of a single transfer exceeds the single non-agreed transfer limit and the transfer recipient is not in the historical transfer record, the mobile device 120 can initiate a delayed transfer procedure to replace the enhanced verification procedure, thereby delaying the single transfer transaction for a preset time interval (e.g., 10 minutes), and allowing the user to cancel the current single transfer transaction within this preset time interval (step 240).

[0022] The following description, in conjunction with Figures 3A to 4, illustrates an embodiment. Please refer to Figures 3A to 3E first, which are schematic diagrams illustrating the application of this invention to set transfer limits and perform single non-contractual transfers. In practice, users can open the mobile banking application via mobile device 120 and enter the security protection service interface 310 as shown in Figure 3A. Initially, the transfer limit lock function is "unlocked," and the limit amount is "not set." When a user wishes to enable this function, they can select the advanced element 311 to enter the setting interface 320. At this time, the user can directly select the amount through the drop-down menu 322, or directly select the preset amount element (323a~323c), and then select the lock switch 321 to enable the transfer limit lock function. Assuming the user selects the preset amount element 323a, the security protection service interface 330, which has been configured, will be displayed. It shows the transfer limit lock as "locked" and the limit amount is set to NT$10,000. It should be noted that if the user wishes to disable the transfer limit lock function, as shown in Figure 3B, a disabling confirmation window 340 will be displayed, requiring the user to enter their ID card number or unified registration number for identity verification. If the verification is successful, the transfer limit lock function will be disabled; otherwise, disabling will not be allowed. The user will be notified immediately via email, instant messaging software, SMS, or similar communication methods.

[0023] Next, after setting the transfer limit, when a user performs a transfer operation in the single non-conventional transfer transaction interface 350, if the amount entered exceeds the aforementioned self-set limit of NT$10,000, the mobile device 120 will pause the single transfer transaction and initiate an enhanced verification procedure. As shown in Figure 3C, in one embodiment, the system will display a verification window 351, notifying the user that "the transfer limit has been exceeded," and explaining that the amount has exceeded the self-set limit of NT$10,000. To continue the transaction, the user needs to enter their ID card number or unified registration number for verification, and can only continue the non-conventional transfer transaction after successful verification. In another preferred embodiment, the enhanced verification procedure can be replaced with biometric identification, and accompanied by a verification window 352 as shown in Figure 3D, explaining that if the transfer is confirmed, biometric identification is required, and providing a fingerprint recognition button 361 and a face recognition button 362 for the user to operate. In another embodiment, the enhanced verification procedure may also employ other verification methods, and be coupled with a verification window 353 as shown in Figure 3E. For example, the verification window 353 may provide a voice recognition button 363 and a handwriting recognition button 364, and indicate that voice or handwriting recognition can be performed to continue the transaction. Regardless of the method used, once verification is successful, the mobile device 120 will automatically change the single transfer transaction from a paused state to an executing state to continue and complete the single transfer transaction. Thus, through diverse verification mechanisms, the true intent of the user to execute a single non-contractual transfer transaction can be effectively confirmed, thereby improving transaction security and flexibility.

[0024] To further clarify, taking the selection of the voice recognition button 363 as an example, the hardware processor 124 of the mobile device 120 will execute the following steps: First, the built-in microphone of the mobile device 120 will be activated, and a dynamic icon indicating that it is listening will be displayed on the graphical user interface, prompting the user to verbally state the transfer amount. After the microphone captures the user's voice, it will be converted into digital audio. Next, the hardware processor 124 will execute a speech-to-text (STT) engine. This engine will first perform noise reduction and acoustic feature extraction on the digital audio, such as extracting Mel-Frequency Cepstral Coefficients (MFCCs). Then, it will map the acoustic features to a phoneme sequence through a pre-trained acoustic model. Finally, using a language model optimized for numerical and monetary units (such as tens, hundreds, thousands, ten thousands, dollars, etc.), it will decode this phoneme sequence into the most probable numerical string. Next, the hardware processor 124 compares the identified numerical string with the original single transfer amount. If the comparison matches, the verification is successful, and the single transfer transaction is completed. In practice, to further enhance security and traceability, when the microphone is activated, the hardware processor 124 also performs hashing / encryption on the complete digital audio message of the voice command to generate evidence. This evidence is then stored simultaneously on non-transitory computer-readable storage medium 123 and transmitted to the bank's host computer 110 for storage, and associated with the transfer transaction record. In this way, not only can the user's intent be confirmed through voice, but an undeniable audio record can also be generated as evidence for future verification, greatly improving the security and reliability of the transaction.

[0025] Additionally, taking the handwriting recognition button 364 as an example, the hardware processor 124 of the mobile device 120 drives the touch display element 122 to render a graphical user interface (hereinafter referred to as a canvas interface) for handwriting input. Then, when the user writes the transfer amount on this canvas interface with their finger or stylus, the touch display element 122 can instantly capture the stroke trajectory, generating vector data containing a series of coordinate points (x, y), pressure values, and timestamps. Subsequently, the hardware processor 124 executes an Optical Character Recognition (OCR) engine, which processes the aforementioned vector data by analyzing the stroke order, direction, relative position, and structural features, converting it into a computer-readable numerical string. Finally, the hardware processor 124 compares whether the recognized numerical string completely matches the single transfer amount originally entered by the user. If the comparison result matches, it is considered that the user has reconfirmed their transfer intention, indicating that the verification is successful, and the single transfer transaction is automatically resumed from the paused state to the executing state; if it does not match, an error message is displayed on the touch display element 122, and the user is allowed to re-enter the handwriting input. This not only confirms the user's true intention, but also effectively prevents the amount input error caused by accidental touch of the numeric keypad.

[0026] As shown in Figure 4, which is a schematic diagram of the hardware architecture of the bank-side host and mobile device of the present invention. In fact, both the bank-side host 110 and the mobile device 120 are electronic devices 400. Within the electronic device 400, there are multiple computer-executable instructions (hereinafter referred to as instructions) used to drive the machine to perform any or more methods discussed in this invention. In other embodiments, the machine can be connected (e.g., network connection) to other machines in a local area network, intranet, extranet, or internet. The machine can run as a server or client in a client-server network environment, or as a peer machine in a peer-to-peer network environment. The machine can also act as a network device, server, router, switch or bridge, event generator, distributed node, centralized system, or any machine capable of executing a set of instructions (whether sequential or otherwise) specifying the actions the machine needs to take. Furthermore, although only one machine is illustrated, the term "machine" should also be considered as including a collection of any machines (e.g., tablet computers) that can execute one or more sets of instructions, individually or in combination, to perform any one or more methods discussed in this invention.

[0027] The electronic device 400, such as a desktop computer, notebook computer, tablet computer, smartphone, server, etc., includes a hardware processor 411, memory 412 (such as read-only memory, flash memory, dynamic random access memory, non-volatile resistive random access memory, embedded flash memory or ferroelectric random access memory (FeRAM), network interface device 413, display device 415, input device 417 and data storage device 418 (which may include fixed or removable computer-readable storage media), and these components communicate via bus 419.

[0028] The hardware processor 411 may be a microprocessor, a central processing unit (CPU), or a similar device. More specifically, the hardware processor 411 may be a Complex Instruction Set Computer (CISC) microprocessor, a Reduced Instruction Set Computer (RISC) microprocessor, a Very Long Instruction Word (VLIW) microprocessor, or a general-purpose instruction set processor implementing other instruction sets, or a general-purpose instruction set processor implementing multiple instruction sets. Furthermore, the hardware processor 411 executes various software elements stored in memory 412 to perform various functions for the electronic device 400. In one embodiment, these software elements include an operating system, compiler elements, and a communication module (or instruction set). The operating system includes various programs, instruction sets, software elements, and / or drivers for controlling and managing general system tasks and facilitating communication between various hardware and software elements. A compiler is a computer program (or set of programs) that converts source code written in a programming language into another computer language (e.g., target language, object code). The communication module can communicate with other devices via network interface device 413. Network interface device 413 is connected to network 414 (e.g., local area network, wide area network, and similar networks) to communicate with other devices.

[0029] The memory 412 may store program code and / or data for use by the hardware processor 411. The memory 412 may be implemented using random access memory (e.g., SRAM, DRAM, DDRAM), ROM, magnetic and / or optical storage devices, flash memory, or any combination thereof. The memory 412 may also include a transmission medium for carrying information bearer signals (which may be modulated signals with or without carrier waveforms) representing instructions or data.

[0030] The display device 415, such as a liquid crystal display (LCD), LED, or cathode ray tube (CRT), is connected to the computer system via a display port and a graphics chipset, and provides a graphical user interface (GUI) 416 for user operation. In practice, the display device 415 can also be a touch screen (such as a touch display element 122) or a similar device that combines input and display functions. Additionally, the input device 417 (e.g., a keyboard, mouse, touchpad, etc.) can provide user input commands and generate trigger signals, or it can be a biometric sensor 121 used to sense biometric features.

[0031] Data storage device 418 may include a machine-readable storage medium (or more specifically, a computer-readable storage medium) storing one or more instruction sets embodying any or more methods or functions described in this invention. The disclosed data storage mechanism may be wholly or at least partially implemented in memory 412. The data storage device 418 and memory 412 disclosed in electronic device 400 may be configured to implement a data storage mechanism for performing the operations and steps discussed in this invention.

[0032] In one example, electronic device 400 is an Internet of Things (IoT) device that can connect (e.g., via a network connection) to other machines in a local area network (LAN), wide area network (WAN), or any network. Electronic device 400 can be a distributed system comprising many interconnected computers. These computers can act as servers or clients in a client-server network environment, or operate as peer machines in a peer-to-peer (or distributed) network environment.

[0033] In summary, the difference between this invention and prior art lies in providing users with the option to set a single non-agreed transfer limit via a mobile device, which serves as the single non-agreed transfer limit for the corresponding user account. When a single transfer amount exceeds the single non-agreed transfer limit, the mobile device changes the single transfer transaction from an in-process state to a paused state and initiates an enhanced verification process to drive the biometric sensor for verification. Once verification is successful, the single transfer transaction will automatically resume the in-process state to continue completing the single transfer transaction. This technical means can solve the problems existing in prior art, thereby achieving the technical effect of improving the security and flexibility of transfer transactions.

[0034] Although the present invention has been disclosed above with reference to the foregoing embodiments, it is not intended to limit the present invention. Anyone skilled in the art can make some modifications and refinements without departing from the spirit and scope of the present invention. Therefore, the scope of patent protection of the present invention shall be determined by the scope of the patent application attached to this specification.

[0035] 110: Bank-side host 120: Mobile Device 121: Biometric Sensor 122: Touch display element 123: Non-transitory computer-readable storage media 124: Hardware Processor 310, 330: Security Protection Service Interface 311: Advanced Components 320: Settings Interface 321: Locking switch 322: Drop-down menu 323a~323c: Preset amount element 340: Disabling Confirmation Window 350: Interface for Single Non-Consensual Transfer Transactions 351, 352, 353: Verification window 361: Fingerprint Recognition Button 362: Face Recognition Button 363: Voice Recognition Button 364: Handwriting Recognition Button 400: Electronic Equipment 411: Hardware Processor 412: Memory 413: Network Interface Device 414: Internet 415: Display device 416: Graphical User Interface 417: Input device 418: Data storage device 419: Busbar Step 210: Initially, log in to the bank's host using one of the multiple user accounts. Step 220: A graphical user interface (GUI) is displayed on a touch screen element of the mobile device. After the user sets a single non-arranged transfer limit through the GUI, the set single non-arranged transfer limit is transmitted to the bank's host computer to adjust the corresponding single non-arranged transfer limit for the user's account. Step 230: When executing a single transfer transaction containing a single transfer amount, detect whether the single transfer amount exceeds the single non-agreed transfer limit. If so, change the single transfer transaction from an executing state to a paused state, and initiate an enhanced verification procedure. The enhanced verification procedure includes driving a biometric sensor to sense a biometric feature and perform verification, and after successful verification, automatically changing the single transfer transaction from the paused state to the executing state to continue completing the single transfer transaction. Step 231: Execute the handwriting recognition function, prompting the user to input handwriting on the touch display element to generate a handwritten amount. When the handwritten amount is the same as the single transfer amount, it is considered to have passed verification and the single transfer transaction is completed. Step 232: Drive a microphone on the mobile device to receive a voice-activated amount, then perform voice recognition on the voice-activated amount to compare it with the single transfer amount. If the comparison matches, it is considered verified and the single transfer transaction is completed. Step 240: The single transfer transaction further includes a transfer recipient. The bank's terminal continuously stores the single transfer transaction as a historical transfer record. When the single transfer amount exceeds the single non-agreed transfer limit and the transfer recipient is not in the historical transfer record, the mobile device initiates a delayed transfer procedure to replace the enhanced verification procedure, thereby delaying the single transfer transaction for a preset time interval and allowing cancellation of the single transfer transaction within the preset time interval.

Claims

1. A transfer limit lock system, comprising: a bank-side host for storing a plurality of user accounts, each user account corresponding to a single non-conventional transfer limit; and a mobile device connected to the bank-side host, the mobile device comprising: a biometric sensor for sensing a biometric feature; a touch display element for displaying a graphical user interface and allowing setting a single non-conventional transfer limit on the graphical user interface; a non-transitory computer-readable storage medium for storing a plurality of instructions; and a hardware processor connected to the biometric sensor, the touch display element and the non-transitory computer-readable storage medium, the hardware processor executing the instructions to: initially, log in to the bank-side host using one of the plurality of user accounts; After a user sets the single non-contractual transfer limit through the graphical user interface, the set single non-contractual transfer limit is transmitted to the bank's host computer to adjust the single non-contractual transfer limit of the corresponding user account. When executing a single transfer transaction containing a single transfer amount, it is detected whether the single transfer amount is greater than the single non-contractual transfer limit. If so, the single transfer transaction is changed from an executing state to a paused state, and an enhanced verification procedure is initiated. The enhanced verification procedure drives the biometric sensor to sense the biometric features and perform verification. After successful verification, the single transfer transaction is automatically changed from the paused state to the executing state to continue completing the single transfer transaction.

2. As in the transfer limit lock system of request item 1, when the amount of a single transfer exceeds the single non-agreed transfer limit, the enhanced verification program is activated to perform handwriting recognition function, prompting the user to handwrite input on the touch display element to generate a handwritten amount, and when the handwritten amount is the same as the amount of the single transfer, the single transfer transaction is completed.

3. As in the transfer limit lock system of request item 1, when the amount of a single transfer exceeds the single non-agreed transfer limit, the enhanced verification procedure is activated to drive a microphone of the mobile device to receive a voice amount, and then the voice amount is recognized by voice recognition to be compared with the single transfer amount. When the comparison matches, the single transfer transaction is completed.

4. As in Request 1, the transfer limit lock system, wherein the single transfer transaction further includes a transfer object, the bank's host continuously stores the single transfer transaction as a historical transfer record, when the single transfer amount exceeds the single non-agreed transfer limit and the transfer object is not in the historical transfer record, the mobile device initiates a delayed transfer procedure to replace the enhanced verification procedure, to delay the single transfer transaction for a preset time interval, and allows the single transfer transaction to be cancelled within the preset time interval.

5. The transfer limit lock system as claimed in claim 1, wherein the biometric sensor includes sensing one or any combination of facial features, fingerprint features, and voiceprint features.

6. A method for locking a transfer limit, executed by a mobile device connected to a bank host, the bank host being used to store a plurality of user accounts, each user account corresponding to a single non-pre-agreed transfer limit, the mobile device performing the following steps: initially, logging into the bank host using one of the plurality of user accounts; A graphical user interface (GUI) is displayed on a touch screen element of the mobile device. After the user sets a single non-contractual transfer limit through the GUI, the set single non-contractual transfer limit is transmitted to the bank's host computer to adjust the single non-contractual transfer limit of the corresponding user account. When executing a single transfer transaction containing a single transfer amount, it is detected whether the single transfer amount is greater than the single non-contractual transfer limit. If so, the single transfer transaction is changed from an in-process state to a paused state, and an enhanced verification procedure is initiated. The enhanced verification procedure includes driving a biometric sensor to sense a biometric feature and perform verification, and after successful verification, automatically changing the single transfer transaction from the paused state to the in-process state to continue completing the single transfer transaction.

7. The transfer limit lock method as described in Request 6, wherein when the enhanced verification procedure is activated, it further includes performing a handwriting recognition function, prompting the user to handwrite input on the touch display element to generate a handwritten amount, and when the handwritten amount is the same as the single transfer amount, it is considered to have passed verification and the single transfer transaction is then completed.

8. The transfer limit lock method of request item 6, wherein when the enhanced verification procedure is activated, it further includes driving a microphone of the mobile device to receive a voice amount, and then performing voice recognition on the voice amount to compare it with the single transfer amount. When the comparison matches, it is considered to have passed the verification and the single transfer transaction is then completed.

9. The transfer limit locking method as described in claim 6, wherein the single transfer transaction further includes a transfer object, the bank's host continuously stores the single transfer transaction as a historical transfer record, and when the single transfer amount exceeds the single non-agreed transfer limit and the transfer object is not in the historical transfer record, the mobile device initiates a delayed transfer procedure to replace the enhanced verification procedure, thereby delaying the single transfer transaction for a preset time interval, and allowing the cancellation of the single transfer transaction within the preset time interval.

10. The transfer limit lock method of claim 6, wherein the biometric sensor includes sensing one or any combination of facial features, fingerprint features and voiceprint features.

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