Transfer device and method based on RCS technology

Abstract

The present invention discloses a transfer device and method based on RCS technology. The device comprises: a first mobile number, a communication module, a memory, a screen and one or more processors. The memory stores an application, and the application comprises: an information sending module, an information receiving module and a GUI module. The screen is used to display the graphical user interface of the application and process touch operation events. The one or more processors are connected to the memory and the screen and execute the application. Through the present invention, it is realized that a user can directly use the application to perform agreed bank transfers to multiple different banks.

Description

Technical Field

[0001] The present invention relates to a bank transfer technology on a smart phone, and in particular to a transfer device and method based on RCS (Rich Communication Services) technology on a smart phone. Background Art

[0002] Rich Communication Services (abbreviated as "RCS", also known as Rich Communication Solutions, Rich Communication Service Technology, Rich Communication, Rich Media Communication, Converged Communication, etc.) is a communication technology based on IP Multimedia Subsystem (IMS) applied between mobile communication operators (MobileCarrier). RCS is similar to other existing communication software, such as iMessage on the iOS platform. Users can use RCS to chat with other contacts in real time online, share pictures / videos / geographic locations / emoticons / files, etc. It was originally intended to replace the previous generation of plain text text messages (SMS) or multimedia messages (MMS). The biggest difference from general communication software is that RCS is based on mobile phone numbers rather than email boxes, so it cannot communicate with computers that do not have mobile phone numbers.

[0003] At present, in order to enhance a safer transaction environment, most online banking services only support a few specific versions of browsers and need to download / install specific components (or plug-ins) to strengthen security control. For example, the computer version of the browser only supports IE (Internet Explorer) above a specific version and needs to download and install ActiveX controls developed specifically for specific online banks to manage certificate signatures. However, these computer version browser components do not support browsers on mobile devices (such as smart phones). Therefore, online banking services on mobile devices are provided to users in the form of dedicated online banking applications (hereinafter referred to as APPs, which are the prior art). When a user has accounts in multiple different banks, he needs to download and install multiple different online banking APPs. In addition to the trouble of downloading and installing multiple APPs, each different bank has its own exclusive user interface and operation process. Facing different banks, the user interface and operation process that cannot be unified often discourages novices (new users of smart phones), making users feel inconvenient.

[0004] Due to the limitations of existing technologies, even if users only need a simple transfer service between agreed accounts, they still need to download and install a specific online banking app before they can use it on their smartphones. When there are multiple bank accounts, multiple dedicated online banking apps need to be downloaded and installed. In other words, existing technologies cannot use a single online banking app to allow users to access the transfer services of agreed accounts of different banks, nor can they provide a unified user interface and operation process for users to easily get started (operation). Summary of the invention

[0005] In view of the technical problem that the prior art cannot use a single online banking APP to allow users to access the agreed account transfer services of different banks, and cannot provide a unified user interface and operation process for users to easily operate, the present invention proposes a transfer device and method based on RCS technology to at least solve the above technical problems.

[0006] The present invention provides a transfer device based on RCS technology, the device comprising: a first mobile number; a communication module, used to establish an Internet network connection, send information to a second mobile number with the first mobile number, and receive information sent by the second mobile number to the first mobile number; an information sending module, through the communication module, sending an RCS format message to the second mobile number of one of a plurality of network banking servers, the RCS format message comprising a transfer-out bank account number input by a user, a selected agreed account account number and an amount, wherein the transfer-out bank account number is an account opened for the selected network banking server; an information receiving module, through the communication module, receiving a plurality of prompt messages, a bank RCS channel, an agreed account bank account list and a plurality of function key parameters sent by the second mobile number of the selected network banking server, and receiving a certificate center RCS channel and a certificate; a G A UI module generates an information dialogue view, and displays the corresponding RCS format information and the multiple prompt information in the information dialogue view with multiple dialog boxes, and generates the multiple function keys according to the multiple function key parameters and displays them in the information dialogue view; a memory is used to store an application, the RCS format information, the multiple prompt information and the multiple function key parameters, and the application includes the information sending module and the information receiving module; a screen is used to display the graphical user interface of the application and process touch operation events; one or more processors are connected to the memory and the screen and execute the application; wherein the application prompts the user to input the transfer bank account and the amount respectively according to the multiple prompt information, and prompts the user to select the selected agreed account account in the corresponding agreed account bank account list, and after the multiple information is transmitted to the selected network banking server, the selected network banking server processes the agreed account transfer transaction.

[0007] Optionally, the device further includes: a biometric identification module for registering a biometric identification condition and comparing the biometric identification condition.

[0008] Optionally, when the certificate is uploaded to the online banking server, it includes entering a password for verification.

[0009] Optionally, the RCS format message sent to the selected online banking server for the first time includes a predefined keyword selected from: a bank code, a service code, or any agreed word, number or symbol.

[0010] Optionally, the RCS format message sent to the selected online banking server for the first time may omit a keyword in the message content, and the transfer service can be started by only sending the RCS format message to the second mobile number of the selected online banking server.

[0011] The present invention further proposes a transfer method based on RCS technology, which is applied to a mobile device, the mobile device comprising a first mobile number, a communication module, a memory and a screen, the method comprising: displaying a message dialogue view; in the message dialogue view, transmitting an RCS format message to a second mobile number of one of a plurality of network banking servers through the communication module with the first mobile number; receiving a bank RCS channel, a prompt message and a scheduled transfer button returned by the selected network banking server through the communication module, so as to open a bank RCS channel and display the scheduled transfer button in the message dialogue view ; receiving a click instruction of the agreed transfer button and uploading it to the selected network banking server through the communication module; receiving a list of agreed bank accounts corresponding to the first mobile number and the next prompt information sent back by the selected network banking server through the communication module, updating and displaying the prompt information in the information dialogue view; receiving an input of a transfer-out bank account and uploading it to the selected network banking server through the communication module; reading a certificate and uploading it to the selected network banking server through the communication module; when uploading the certificate fails or the uploaded certificate is determined to be invalid, in the information dialogue view A certificate center RCS channel is opened in the bank, and the certificate is downloaded and stored in the memory through the communication module; when the uploaded certificate is determined to be valid, the next prompt information and the certificate check button sent back by the selected network banking server are received through the communication module, and the prompt information and the certificate check button are updated and displayed in the information dialogue view; a click instruction of the certificate check button is received to compare the certificate; the next prompt information sent back by the selected network banking server is received through the communication module, and one or more corresponding agreed account account buttons are generated according to the agreed account bank account list, and the prompt information and the certificate check button are updated and displayed. The method comprises the steps of: receiving a click instruction of the agreed account number button to upload a corresponding agreed account number clicked to the selected network banking server through the communication module; receiving the next prompt information returned by the selected network banking server through the communication module, updating and displaying the prompt information in the information dialogue view; receiving an input of an amount and uploading it to the selected network banking server through the communication module; and the selected network banking server performs an agreed account transfer transaction according to the transfer-out bank account, the clicked agreed account number and the amount.

[0012] Optionally, the method further comprises: registering a biometric identification condition; and enabling biometric identification, and comparing the credential with the biometric identification condition.

[0013] Optionally, the step of comparing the certificate further includes: entering a password for verification.

[0014] Optionally, the RCS format message sent to the selected online banking server for the first time includes a predefined keyword selected from: a bank code, a service code, or any agreed word, number or symbol.

[0015] Optionally, the RCS format message sent to the selected online banking server for the first time may omit a keyword in the message content, and the transfer service can be started by only sending the RCS format message to the second mobile number of the selected online banking server.

[0016] The present invention also proposes a mobile computing device with a screen, comprising: a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the steps of the above-mentioned RCS-based transfer method when executing the computer program.

[0017] The present invention also proposes a computer-readable storage medium on which a computer program is stored. When the computer program is executed by a processor, the steps of the above-mentioned RCS technology-based transfer method are implemented.

[0018] Through the technical solution of the present invention, a transfer technology based on RCS technology is proposed with resources that work together with hardware and software, which eliminates the need for users to download and install online banking APPs for mobile devices, and enables users to log in to and access the selected online bank and perform agreed account transfer services by directly using RCS APP (that is, using the APP built into the smartphone that supports RCS technology).

[0019] The detailed features and advantages of the present invention are described in detail in the following embodiments, and the contents are sufficient to enable any technician in the field to understand the technical content of the present invention and implement it accordingly. According to the contents disclosed in this specification, the scope of protection of the claims and the drawings, any technician in the field can easily understand the relevant purposes and advantages of the present invention. BRIEF DESCRIPTION OF THE DRAWINGS

[0020] Figure 1 is a system function block diagram of a device according to an embodiment of the present invention;

[0021] Figure 2 A system function block diagram of an application program according to an embodiment of the present invention;

[0022] Figure 3 A schematic diagram of a screen image of a bank RCS channel according to an embodiment of the present invention (I);

[0023] Figure 4 A schematic diagram of a screen image of a bank RCS channel according to an embodiment of the present invention (II);

[0024] Figure 5 A schematic diagram of a screen image of a bank RCS channel according to an embodiment of the present invention (III);

[0025] Figure 6 A schematic diagram of a screen shot of a RCS channel of a certificate center according to an embodiment of the present invention;

[0026] Figure 7 A schematic diagram of a screen image of a bank RCS channel according to an embodiment of the present invention (IV);

[0027] Figure 8 A schematic diagram of a screen image of a bank RCS channel according to an embodiment of the present invention (V);

[0028] Fig. 9 The figure is an operation flow chart of an embodiment of the present invention.

[0029] In the figure:

[0030] 10: Transfer device based on RCS technology; 12: Processor; 14: Memory; 16: Screen; 18: Communication module; 20: Biometric module; 22: Application; 24: Information sending module; 26: Information receiving module; 27: GUI module; 28: Information dialogue view; 30: Prompt message; 32: Information input box; 34: Function button. DETAILED DESCRIPTION

[0031] The present invention is used in smart phones, tablet computers, hand-held stock quoting devices, personal digital assistants (PDAs), etc. Any mobile device that has a mobile number, is equipped with a screen and can execute the application of the present invention (i.e., RCS message APP) can apply the device and method of the present invention.

[0032] See also Figure 1 and Figure 2, a system functional block diagram of a transfer device 10 based on RCS technology of the present invention and a system functional block diagram of an application 22 of an embodiment, the legend only lists the core modules related to a preferred embodiment of the present invention, and the other modules are omitted and not described. The application 22 of this embodiment is executed on the transfer device 10 based on RCS technology of the present invention. In one embodiment of the present invention, the transfer device 10 based on RCS technology of the present invention includes: a first mobile number, one or more processors 12, a memory 14, a screen 16 and a communication module 18; in some embodiments, the device 10 also includes: a biometric recognition module 20. The memory 14 stores an application 22 (i.e., an RCS application, or RCS message APP, RCS APP, message APP); the processor 12 executes a plurality of program instructions contained in the application 22, and implements the following modules in a hardware and software collaborative operation manner: an information sending module 24, an information receiving module 26, and a GUI module 27; the screen 16 is used to display the graphical user interface (Graphical User Interface) of the application 22 and process touch operation events (e.g., receiving a click instruction of a software component, receiving input from a screen virtual keyboard or a handwriting board, etc.); the communication module 18 is used to establish an Internet network connection, such as: wired broadband, WLAN (Wi-Fi, etc.), a mobile communication network (such as 3G, 4G, 5G, etc.), etc., to send information to a second mobile number (the mobile number of the online banking server) with a first mobile number (i.e., the user's mobile number), and receive information sent by the second mobile number to the first mobile number; the biometric recognition module 20 is used to register biometric recognition conditions (e.g., fingerprint recognition and face recognition), and compare the biometric recognition conditions.

[0033] Continue reading Figure 2 , a system function block diagram of an application 22 in an embodiment of the present invention, which includes: a message sending module 24, a message receiving module 26 and a GUI module 27. The legend only lists the core modules related to a preferred embodiment of the present invention, and the remaining modules are omitted (for example: a sticker module, an audio and video module, etc.). In some embodiments, the application 22 is a built-in RCS message APP of the device 10 (for example, a smart phone running an Android operating system), and the user can use the built-in RCS message APP of the mobile phone to transfer the agreed account.

[0034] The information sending module 24 transmits the RCS information to the second mobile number of one of the servers of multiple network banks (set up on the bank side) through the communication module 18. The user can be selected from multiple network banks, and each network bank has its own different second mobile number. Before sending the information to the network bank server, it is actually necessary to establish a network connection through the coordinated operation of multiple servers, including: the server of the sender's communication operator (Mobile Carrier or Mobile Operator, also known as the operator, operator) (for example: the first server), the RCS hub (RCS Hub), the server of the receiver's communication operator (for example: the second server), and the final network bank server, or the network bank middle server (MiddleServer, also known as the intermediary server), which is interfaced with the back-end bank transaction host through the API. When the communication operator server of the sender receives the RCS information, it first confirms that it comes from the RCS Interconnection. After confirmation, it sends a data packet to the RCS hub, and then the RCS hub forwards the data packet to the communication operator server of the receiver (for example, the second server). The data packet is finally transmitted to the network banking server of the bank to establish a connection between the two ends (that is, the two networks are connected through the communication operator). The above-mentioned connection establishment belongs to the prior art. The communication operators of the sender and the receiver can be the same communication operator or different communication operators; the RCS format information sent by the information sending module 24 to the server of the network bank (hereinafter referred to as the network banking server) includes: the mobile number of the device 10 and the bank code entered by the user, the transfer bank account, the selected agreed account account (that is, the agreed account account selected by the user from the agreed account bank account list), the amount (that is, the amount to be transferred) and the voucher (stored in the memory 14). The information sending module 24 may include all the above information in the same message to complete a transfer transaction, or may send all the above information to the online banking server in batches of multiple messages to complete a transfer transaction.

[0035] The information receiving module 26 is used to receive multiple prompt messages, bank RCS channels, agreed bank account lists and multiple function buttons transmitted by the online banking server through the communication module 18, and receive the certificate center RCS channel and certificate. The prompt information is used to prompt the user what data needs to be entered at what step, or to press a button to make a selection. For example: the first prompt message is "Please enter the bank code", the second prompt message is "Please click on the required service", the third prompt message is "Please enter the transfer account", the fourth prompt message is "Please enter the amount", the Nth prompt message is "Please read the certificate"... etc. The above examples are not used to limit the content or sending order of the prompt information of the present invention. The prompt information is generated by the online banking server on the bank side, and is transmitted to the information receiving module 26 through the communication module 18 after being connected to the transfer device 10 based on RCS technology. The so-called RCS channel is the URL of the RCS chat room, for example: the bank RCS channel is the "URL of the online bank RCS chat room", the certificate center RCS channel is the "URL of the certificate center RCS chat room", and opening the RCS channel is "linking to the chat room URL". When the online banking server receives the uploaded mobile number, it can access the bank database to obtain all the agreed bank account numbers corresponding to the mobile number (i.e., corresponding to the user) to generate a list of agreed bank account numbers, and then the information receiving module 26 receives the list of agreed bank account numbers returned by the online banking server of the bank. The so-called function button is "the function button parameter generated by the network banking server to perform a specific task (the function button parameter generated by the server is transmitted to the information receiving module 26 through the communication module 18 in the form of a parameter, flag, mark or specific text representing the button, and finally the GUI module 27 generates a corresponding virtual function button and displays it in the information dialogue view) for the user to click on, for example: the "agreement account number button" generated according to each account in the agreement account bank account list, as well as the "query business address button", "agreement transfer button", "voucher check button"... etc. When the user clicks on the function button, a click instruction is generated to return specific parameters (or / and information) to the network banking server.

[0036] The GUI module 27 generates an information dialog view 28 , and displays the messages sent by the user and the received prompt messages 30 in the information dialog view 28 in a plurality of dialog boxes, and generates function buttons 34 and displays them in the information dialog view 28 .

[0037] See also Figure 3, a screen diagram (I) of a bank RCS channel of an embodiment of the present invention is shown in FIG16, which illustrates a graphical user interface of an application 22 of an embodiment of the present invention displayed on the screen 16. The accompanying drawings of this embodiment are illustrated by taking the screen style of an Android smartphone as an example. The present invention is not limited to smartphones. The present invention can also be used in tablet computers, handheld stock machines, personal digital assistants, etc., which have mobile numbers. The example is that a smartphone (a transfer device 10 based on RCS technology) displays a bank RCS channel of an embodiment (the example is "123 Bank"). In the operation steps before displaying this screen, the user needs to first send an RCS message to the second communication number of "123 Bank", and then receive the bank RCS channel of "123 Bank", which is opened as shown in the example. The so-called bank RCS channel is the information dialogue view 28 (generated by the GUI module 27) of the application 22, and the so-called opening of a bank RCS channel is to enter its RCS chat room. At the bottom of the information dialogue view 28 in the example is the information input box 32. When the information receiving module 26 displays the received prompt information 30 in the bank RCS channel (information dialogue view 28), the user can input the answer to be replied in the information input box 32 according to the prompt, or select the function button 34 in the information dialogue view 28. The example includes two function buttons 34 ("agreement transfer button" and "check business address button") generated by the GUI module 27. When the user clicks the function button, the click instruction of the function button is generated and automatically sent back to the server (i.e., the bank's network banking server) with parameters (or / and information).

[0038] See also Figure 4 , a schematic diagram of the screen 16 of the bank RCS channel of an embodiment of the present invention (II), which illustrates that after the user sees the prompt message 30 "Please select the service you need", he clicks the "Agreed Transfer Button" (one of the function buttons 34). Then, after the information receiving module 26 displays the received prompt message 30 "Please enter the transfer account" (the transfer account refers to the user's payment account) on the bank RCS channel (information dialogue view 28), the user uses the information input box 32 to enter the account "1234567890". In some embodiments, the transfer account does not need to be manually entered by the user, but the bank's network banking server generates a transfer account list (or a total account list) from the user's (using his mobile number to search the database) total account (referring to the same bank account under the name of the same user), and finally the GUI module 27 generates a corresponding function button 34 to display the transfer account in the information dialogue view 28 for the user to select (not shown in the figure). This embodiment can avoid the user's account input error.

[0039] See also Figure 5, a schematic diagram of the screen 16 of the bank RCS channel of an embodiment of the present invention (III), which illustrates that the present invention can check whether the user (i.e., in the memory 14 of the device 10) has a valid certificate even in the chat room of the RCS message APP. If "no", it can be downloaded from the certificate center RCS channel, and if "yes", it can be verified by the "certificate check button" (one of the function buttons 34, generated by the GUI module 27). In some embodiments, the "certificate check button" is replaced by the "upload certificate button" (one of the function buttons 34), which first prompts the user to press the "upload certificate button" to read the certificate in the memory 14 with the prompt message 30 "Please upload the certificate", which is not shown in the figure.

[0040] See also Figure 6 , a schematic diagram of a screen 16 of a Credential Center RCS channel according to an embodiment of the present invention, illustrating that when a valid credential is not stored in the memory 14 of the user's device 10, the Credential Center RCS channel can be directly opened in the application 22, and the credential can be downloaded and stored in the memory 14 after entering data according to the prompt information 30. Opening the Credential Center RCS channel will be described in Fig. 9 Step S108.

[0041] See also Figure 7 , a schematic diagram of the screen 16 of the bank RCS channel of an embodiment of the present invention (IV), which illustrates that according to the agreed account bank account list sent back by the server to the information receiving module 26, the GUI module 27 generates two "agreed account account buttons" (one of the function buttons 34), and the text on the buttons is the account number in the agreed account bank account list. The so-called agreed account bank account is the other party's receiving account (or the target account) that the user has registered with the bank in advance. When there are several account numbers in the agreed account bank account list, the GUI module 27 generates an equal number of "agreed account account buttons" and displays them in the information dialogue view 28 (bank RCS channel).

[0042] See also Figure 8 , a schematic diagram of screen 16 of the bank RCS channel according to an embodiment of the present invention (V), the figure illustrates that when the user inputs the necessary data according to the prompt information 30 and transmits it back to the bank side, the bank side's online banking server can process the agreed account transfer transaction, and after the transaction is completed, report the processing result of the bank side with the prompt information 30 (the figure shows "transfer completed").

[0043] See also Fig. 9 , an operation flow chart of the application 22 of an embodiment of the present invention, a user uses a mobile device (such as a smart phone / tablet computer / stock machine) with a first mobile number to execute the application 22 (RCS message APP) to perform an operation flow of transferring funds to an agreed account after selecting a bank, please also refer to Figure 1 , Figure 2 , Figure 3 , Figure 4 , Figure 5 , Figure 6 , Figure 7 and Figure 8 ,Include:

[0044] Step S101 : Displaying the message conversation view 28 . The user executes the application 22 (RCS message APP) on the device 10 (such as a smartphone / tablet / stock machine). After execution, the GUI module 27 of the application 22 generates the message conversation view 28 and displays it on the screen 16 .

[0045] Step S102: Send RCS information to the online banking server. Assuming that the user already has accounts in certain banks, and wants to transfer money from one of the accounts in one of the banks, no matter which bank the user chooses to transfer money, the same application 22 (i.e., the RCS information APP executed in the previous step) can be used to conduct transfer transactions with any online bank, thereby achieving the purpose of the present invention of "using a single application and a unified user interface to allow users to access the agreed account transfer services of different banks". To achieve the purpose, the user sends an RCS format message to the second mobile number of the selected online banking server in the information dialogue view 28 in this step. The so-called "selected online bank" is the second mobile number of each online bank manually entered by the user, and then the transfer transaction can be conducted with the online bank. For example: if the user wants to conduct a transfer transaction with online bank A, the second mobile number of online bank A is entered in application 22. Similarly, if the user wants to conduct a transfer transaction with online bank B, the second mobile number of online bank B is entered in application 22, and so on, so as to achieve the present invention that users can connect to different online banks and conduct transfer transactions in the same application 22. As for the content of the transmitted information, it can be a keyword that the bank has defined in advance, such as: bank code, service code, or any agreed text / number and symbol. In some embodiments, the first transmitted information can also skip the keyword, and only the second mobile number transmitted to the online bank server in RCS format information can start the transfer service; for example: the content of the RCS format information transmitted by the user for the first time is only the transfer account number, and the online bank server can proceed to the next step after identifying and confirming that it conforms to the RCS format. This operation process is explained by taking the embodiment in which the bank code needs to be transmitted for the first time as an example, and the present invention does not limit the content of the information transmitted for the first time. After the user enters the bank code in this embodiment, the information sending module 24 transmits the bank code to the second mobile number of the online banking server of the bank through the communication module 18 (the first server of the sending communication operator first sends a data packet to the RCS central server, and then forwards the data packet to the second server of the receiving communication operator to connect the networks at both ends). The online banking server then returns the bank RCS channel corresponding to the bank code (i.e., the RCS URL of the bank) to the information receiving module 26 through the communication module 18.

[0046] Step S103: Open the corresponding bank RCS channel and display the agreed transfer button. After the user enters the bank code in the previous step (or clicks on a link, or selects a button), the online banking server returns the bank RCS channel corresponding to the bank code. In some embodiments, the information receiving module 26 automatically opens the bank RCS channel after receiving the returned bank RCS channel through the communication module 18; in some embodiments, after the information receiving module 26 receives the returned bank RCS channel through the communication module 18, the user needs to manually click on a link or button to open the corresponding bank RCS channel. After opening the corresponding bank RCS channel, the information receiving module 26 downloads the prompt information 30 and the default function button parameters from the online banking server of the bank through the communication module 18, and then the GUI module 27 generates a dialog box (corresponding to the prompt information 30) and function buttons 34 and displays them in the information dialogue view 28, as shown. Figure 3 shown.

[0047] Step S104: Receive the click instruction of the agreed transfer button and upload it to the network banking server. Assuming that the user clicks the agreed transfer button (one of the function buttons 34, generated by the GUI module 27 according to the function button parameters) in the previous step, the click instruction of the agreed transfer button is generated when clicking, and the information sending module 24 automatically uploads the parameters representing the agreed transfer to the network banking server of the bank through the communication module 18 according to the click instruction. When the server receives the parameters, it also receives the user's first mobile number (i.e., the first mobile number of the device 10), and the server compares the database with the first mobile number to generate a list of agreed account bank accounts (i.e., all agreed account bank accounts set by the user in the bank). In some embodiments, when the server generates the agreed account bank account list, it can be returned to the device 10 in this step; in some embodiments, when the server generates the agreed account bank account list, it can be returned to the device 10 in other steps later (e.g., step S112).

[0048] Step S105: Receive the input of the transfer-out bank account number and upload it to the network banking server. After the previous step is completed, the information receiving module 26 receives the next prompt information 30 generated and returned by the network banking server through the communication module 18, and the GUI module 27 generates a dialog box to display the prompt information 30 in the information dialogue view 28 (the example is "Please enter the transfer-out account number"). The user then enters the transfer-out account number according to the prompt information 30. Then, the information sending module 24 uploads the transfer-out account number to the network banking server through the communication module 18. In some embodiments, the user uses the information input box 32 to enter the account number to be transferred in this step, such as Figure 4As shown; in some embodiments, the online banking server at the bank side compares the user's mobile number with the database to generate a total account list (i.e., all the bank accounts of the user in the bank), and then generates a corresponding transfer account key parameter (not shown in the figure, one of the function keys 34) based on the total account list to send it back to the information receiving module 26 through the communication module 18, and the GUI module 27 then generates a transfer account key based on the transfer account key parameter and displays it in the information dialogue view 28 (not shown in the figure) for the user to click directly, or the GUI module 27 directly generates a corresponding transfer account key (not shown in the figure, one of the function keys 34) based on the total account list to avoid the user manually entering an incorrect account. Here, the meaning of "receiving the input of the transfer bank account" can be broadly interpreted as including the above two embodiments.

[0049] Step S106: Select the certificate to upload to the online banking server. After the previous step is completed, the information receiving module 26 receives the next prompt information 30 generated and returned by the online banking server through the communication module 18, and the GUI module 27 generates a dialog box to display the prompt information 30 in the information dialogue view 28 (for example, "Please click the check certificate button below"), such as Figure 5 As shown, the user then selects the certificate to upload according to the prompt information 30.

[0050] Step S107: The online banking server checks whether the uploaded certificate is valid. If the certificate is "invalid", jump to step S108; if the certificate is "valid", jump to step S111. Checking whether the certificate is valid is performed on the server side. After the judgment, the server side generates different corresponding prompt information 30 and returns it to the information receiving module 26 through the communication module 18, so that the user can continue to the next step according to the prompt information 30.

[0051] Step S108: Open the RCS channel of the credential center. When step S107 determines that the credential is "invalid", the information receiving module 26 receives the RCS channel of the credential center (i.e., the URL of the credential center) transmitted by the server through the communication module 18. In some embodiments, the information receiving module 26 automatically opens the channel and displays it in the information dialogue view 28 after receiving the RCS channel of the credential center. In some embodiments, after the information receiving module 26 receives the RCS channel of the credential center, the user needs to manually click a link or button to open the RCS channel of the credential center and display it in the information dialogue view 28. After opening the RCS channel of the credential center (a server maintained / managed by the credential issuer), Figure 6As shown in the figure, the illustration only uses simple information (including account information transmitted by the online banking server, birthday information input by the user, and the user's mobile number) to perform identity verification as an illustration, and the certificate can be downloaded. The present invention allows the user to download the certificate in the information dialogue view 28 of the same application 22 when there is no valid certificate, without having to use a third-party software to solve the problem of invalid certificate.

[0052] Step S109: Registering biometric conditions. In some embodiments, the biometric module 20 of the device 10 can be used to add this step, which is not shown in the figure. For example, the biometric module 20 can be used to register fingerprint recognition conditions or face recognition conditions. The biometric module 20 here can be a fingerprint module or an image module. In some embodiments, the user can replace the registration of biometric conditions in this step by setting a password. If the password replaces the biometric, the password input replaces the biometric comparison in step S111.

[0053] Step S110: Download the certificate. After the user verifies his identity, he can click on the certificate download link according to the received prompt information 30, such as Figure 6 As shown, the certificate is downloaded from the RCS channel of the certificate center and stored in the memory 14.

[0054] Step S111: Enable biometrics and compare the credentials with the biometrics conditions. In some embodiments, when the present invention is combined with the biometrics module 20 of the device 10, and the biometrics conditions are registered in step S109, the credentials and the biometrics conditions are compared in this step according to the received prompt information 30; in some embodiments, the biometrics module 20 is not included, and only the credentials are compared in this step according to the received prompt information 30; in some implementations, when the biometrics module 20 is not included, and the biometrics are replaced by setting a password in step S109, after comparing the credentials in this step, the user is prompted to enter the password according to the received prompt information 30 "Credentials confirmed, please enter the password", such as Figure 7 shown.

[0055] Step S112: Generate an agreed account number button. In some embodiments, the agreed account bank account list generated in step S105 can be sent back to the device 10 and stored in the memory 14 at this step; in some embodiments, the agreed account bank account list generated in step S105 can be sent back to the device 10 and stored in the memory 14 at this step. In this step, the GUI module 27 generates an agreed account number button (one of the function buttons 34) based on the agreed account bank account list in the memory 14. At the same time, the information receiving module 26 receives another prompt message 30 from the server "Please select an agreed account below", and the GUI module 27 generates a corresponding dialog box and displays it in the information dialogue view 28, as shown in FIG. Figure 7shown.

[0056] Step S113: Receive the click instruction of the agreed account number button and upload it to the network banking server. After the GUI module 27 generates the agreed account number button in the previous step, the user can click the agreed account number button to generate the click instruction of the agreed account number button, and the information sending module 24 then uploads the parameters represented by the click instruction to the network banking server through the communication module 18.

[0057] Step S114: receiving the input of the amount and uploading it to the online banking server. After the previous step is completed, the information receiving module 26 receives another prompt message 30 "Please enter the amount to be transferred" from the server through the communication module 18, and the GUI module 27 generates a corresponding dialog box and displays it in the information dialogue view 28, such as Figure 8 As shown, the information sending module 24 then uploads the input amount to the online banking server through the communication module 18.

[0058] Step S115: The online banking server performs the agreed account transfer transaction. After the transfer-out bank account number, the selected agreed account account number and the amount entered / selected in the aforementioned steps S105, S113 and S114 are uploaded to the online banking server, the server can perform the agreed account transfer transaction.

[0059] It is understood that the program instructions executed by the computer can implement each block in the flowchart, the combination of blocks in the flowchart, and the steps in each embodiment. The program instructions are provided to a processor to generate a machine or to generate resources for hardware and software to work together, whereby when the instructions are executed on the processor, components for implementing the actions or technical effects specified in the flowchart blocks will be generated. Different sets of program instructions can also make at least some of the operation steps displayed in the flowchart blocks to be performed in parallel, and the technical content expressed by each program instruction of an application may be different according to different embodiments. Furthermore, some of these steps can also be performed on more than one processor, such as the situation where the microprocessor and the peripheral interface processor in the device of the present invention work together. In addition, without departing from the scope or spirit of the present invention, one or more blocks or combinations of blocks in the flowchart can also be performed simultaneously with other blocks or combinations of blocks, or even in a different order than that shown.

[0060] Therefore, the blocks of the flow chart of the present invention support the combination of components for performing the specified actions or technical effects, the combination of steps for performing the specified actions or technical effects, and the program instruction components for performing the specified actions or technical effects. It is also understood that these specified actions or technical effects are implemented by the special-purpose hardware system or the special-purpose hardware and program instructions in coordination to implement each block of the flow chart of the present invention and the block combination of the flow chart.

[0061] In summary, the present invention proposes a transfer technology based on RCS technology, which solves the problem that the existing technology cannot meet the user's demand of "using the same APP (RCS information APP) to complete the transfer of agreed accounts of different banks", and also solves the problem that the existing technology cannot "unify the transfer interfaces and operation procedures of agreed accounts of different banks". Through the present invention, users can transfer agreed accounts without downloading and installing the online banking APPs of different banks, which makes up for the shortcomings of the existing technology.

[0062] Although the technical contents of the present invention have been disclosed as above in the form of preferred embodiments, they are not intended to limit the present invention. Any slight changes and modifications made by any technician in the field without departing from the spirit of the present invention should be included in the scope of the present invention. Therefore, the protection scope of the present invention shall be based on the definition of the protection scope of the attached claims.

Claims

1. A transfer device based on RCS technology, the device comprising: First mobile number; A communication module, used to establish an Internet network connection, send information to a second mobile number using the first mobile number, and receive information sent by the second mobile number to the first mobile number; An information sending module transmits RCS format information to the second mobile number of one of the plurality of online banking servers through the communication module, wherein the RCS format information includes a transfer-out bank account number input by the user, a selected agreed account number and an amount, wherein the transfer-out bank account number is an account number opened in the selected online banking server; An information receiving module receives, through the communication module, a plurality of prompt messages, a bank RCS channel, a list of agreed-upon bank account numbers, and a plurality of function key parameters transmitted by the second mobile number of the selected online banking server, and receives a certificate center RCS channel and a certificate; A GUI module generates an information dialogue view, and displays the corresponding RCS format information and the plurality of prompt information in the information dialogue view in a plurality of dialog boxes, and generates the plurality of function buttons according to the plurality of function button parameters and displays them in the information dialogue view; A memory for storing an application, the RCS format information, the plurality of prompt messages and the plurality of function keys, wherein the application comprises the information sending module, the information receiving module and the GUI module; The screen is used to display the graphical user interface of the application and process touch operation events; One or more processors, connected to the memory and the screen and executing the application; The application program prompts the user to input the bank account number and the amount of the transfer according to the plurality of prompt messages, and prompts the user to select the selected agreed account account number in the agreed account bank account list, and then transmits the plurality of prompt messages to the selected network banking server so that the selected network banking server can process the agreed account transfer transaction.

2. The RCS-based transfer device according to claim 1, characterized in that: The device also contains: The biometric identification module is used to register the biometric identification conditions and compare the biometric identification conditions.

3. The RCS technology-based transfer device according to claim 1, characterized in that: When the certificate is uploaded to the selected online banking server, it includes entering a password for verification.

4. The RCS-based transfer device according to claim 1, characterized in that: The RCS format information transmitted to the selected online banking server for the first time contains pre-defined keywords selected from: bank code, service code, or any agreed text, number or symbol.

5. The RCS technology-based transfer device according to claim 1, characterized in that: The RCS format message sent to the selected online banking server for the first time may skip keywords in the message content, and the transfer service can be started by only sending the RCS format message to the second mobile number of the selected online banking server.

6. A transfer method based on RCS technology, applied to a mobile device, the mobile device comprising a first mobile number, a communication module, a memory and a screen, the method comprising: Display the information dialog view; In the message conversation view, transmitting the RCS format message to a second mobile number of one of the plurality of online banking servers through the communication module using the first mobile number; Receiving the selected bank RCS channel, prompt information and agreed transfer button sent back by the online banking server through the communication module, so as to open the bank RCS channel and display the prompt information and the agreed transfer button in the information dialogue view; Receiving the click instruction of the agreed transfer button and uploading it to the selected network banking server through the communication module; Receiving, through the communication module, a list of bank accounts of the selected subscribers corresponding to the first mobile number and the next prompt information sent back by the selected online banking server, and updating and displaying the prompt information in the information dialogue view; Receiving the input of the transfer-out bank account number and uploading it to the selected network banking server through the communication module; receiving the next prompt information sent back by the selected online banking server through the communication module, and updating and displaying the prompt information in the information dialogue view; Read the certificate and upload it to the selected network banking server through the communication module; When uploading the certificate fails, or the uploaded certificate is determined to be invalid, opening the certificate center RCS channel in the information dialogue view, downloading the certificate through the communication module and storing it in the memory; When the uploaded certificate is determined to be valid, the next prompt message and certificate check button sent back by the selected online banking server are received through the communication module, and the prompt message and the certificate check button are updated and displayed in the information dialogue view; receiving a click instruction of the credential check button to compare the credential; Receiving the next prompt message sent back by the selected online banking server through the communication module, generating one or more corresponding agreed account account buttons according to the agreed account bank account list, and updating and displaying the prompt message and the one or more agreed account account buttons in the information dialogue view; Receiving a click instruction of the agreed account number button, so as to upload the corresponding clicked agreed account number to the selected network banking server through the communication module; receiving the next prompt information sent back by the selected online banking server through the communication module, and updating and displaying the prompt information in the information dialogue view; Receiving an input of an amount and uploading it to the selected network banking server through the communication module; as well as, The selected network banking server performs the agreed account transfer transaction according to the transfer-out bank account number, the selected agreed account account number and the amount.

7. The RCS technology-based transfer method according to claim 6, characterized in that: The method also includes: Registering biometric conditions; and, enabling biometrics, comparing the credential with the biometric conditions.

8. The RCS technology-based transfer method according to claim 6, characterized in that: The step of comparing the certificate further includes: inputting a password for verification.

9. The RCS technology-based transfer method according to claim 6, characterized in that: When the communication module transmits the RCS format message to the second mobile number of one of the plurality of online banking servers using the first mobile number, the transmitted message content includes predefined keywords selected from: bank code, service code, or any agreed text, number or symbol.

10. The RCS technology-based transfer method according to claim 6, characterized in that: When the communication module transmits the RCS format message to the second mobile number of one of the multiple network banking servers using the first mobile number, the transmitted information content can skip keywords, and the transfer service can be started by only transmitting the RCS format message to the second mobile number of the selected network banking server.

11. A mobile computing device having a screen, characterized in that: The invention comprises: a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein when the processor executes the computer program, the steps of the RCS technology-based transfer method according to any one of claims 6 to 10 are implemented.

12. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the steps of the RCS technology-based transfer method described in any one of claims 6 to 10 are implemented.

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