Remittance verification equipment and bank-side verification host

Abstract

A remittance verification device and a bank-end verification host are electrically connected between the remittance device and an electronic device. The bank server, acting as the target bank's server, is electrically connected to an accounting server. Based on the remittance confirmation signal, a transaction confirmation signal is generated. The verification server generates a verification signal based on the transaction confirmation signal, causing the electronic device to generate a response signal based on the verification signal. The response signal indicates confirmation or rejection. When the response signal indicates rejection, the verification server generates a rejection transaction signal. The bank server generates a rejection remittance signal to the accounting server based on the rejection transaction signal. The accounting server then returns the remittance amount to the bank account corresponding to the remitter's information based on the rejection remittance signal, effectively preventing the recipient's bank accounts from being frozen by the current fraud prevention mechanism simply because they received a small remittance.

Claims

1. A remittance verification device electrically connected between a remittance terminal device and an electronic device, the remittance terminal device transmitting a remittance instruction having remittance information, a payee information, and a remittance amount, and the remittance verification device comprising: an accounting server electrically connected to the remittance terminal device to receive the remittance instruction, generate a remittance confirmation signal based on the remittance instruction, and transmit the remittance confirmation signal to a target bank corresponding to the payee information; and a bank-side verification host including a bank server and a verification server, the bank server serving as the target bank being electrically connected to the accounting server to receive the remittance confirmation signal, and generate a transaction confirmation signal based on the remittance confirmation signal. The verification server is electrically connected between the bank server and the electronic device to receive the transaction confirmation signal and generate a verification signal based on the transaction confirmation signal. The verification signal is transmitted to the electronic device, causing the electronic device to generate a response signal based on the verification signal. The response signal indicates either confirmation or rejection. When the response signal indicates rejection, the verification server generates a rejection transaction signal to the bank server, and the bank server generates a refund signal to the accounting server based on the rejection transaction signal. The accounting server then refunds the refund amount to the bank account corresponding to the remitter's information based on the refund signal.

2. As described in claim 1, when the response signal indicates confirmation, the verification server generates a confirmation transaction signal to the bank server, the bank server generates a confirmation remittance signal to the accounting server based on the confirmation transaction signal, and the accounting server remits the remittance amount to the bank account corresponding to the payee information based on the confirmation remittance signal.

3. The remittance verification device as described in claim 1, wherein, When the remitter's information and the recipient's information belong to different banks, the accounting server is a financial server used for information exchange, transfer, and clearing between different banks.

4. The remittance verification device as described in claim 1, wherein, When the remitter's information and the recipient's information belong to the same bank, the accounting server is an internal bank transfer server used for transfer processing.

5. The remittance verification device as described in claim 1, wherein, The signal to be verified is an email message.

6. The remittance verification device as described in claim 1, wherein, The signal to be verified is a push notification from a mobile application.

7. The remittance verification device as described in claim 1, wherein, The verification server includes a processor and a communication device electrically connected to the bank server and the processor. The processor generates a verification signal based on the payee information of the transaction confirmation signal, and the communication device transmits the verification signal to the electronic device.

8. A bank-side verification host includes a bank server serving as a target bank corresponding to a payee's information, electrically connected to an accounting server to receive a remittance confirmation signal and generate a transaction confirmation signal based on the remittance confirmation signal; a verification server electrically connected between the bank server and an electronic device to receive the transaction confirmation signal and generate a verification signal based on the transaction confirmation signal, the verification signal being transmitted to the electronic device to cause the electronic device to generate a response signal based on the verification signal, the response signal indicating either confirmation or rejection; when the response signal indicates rejection, the verification server generates a rejection transaction signal to the bank server, the bank server generates a rejection remittance signal to the accounting server based on the rejection transaction signal, and the accounting server returns a remittance amount to a bank account corresponding to a remitter's information based on the rejection remittance signal.

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