Digital Account Withholding Authorization Confirmation System

Abstract

A digital account deduction authorization confirmation system is provided, suitable for authorizing and confirming deduction applications for digital deposit accounts. The system includes an application data receiving module, a notification sending module, a customer confirmation processing module, and a result feedback module. The application data receiving module receives deduction application data from the ACH top-up service platform and generates application data to be confirmed. The notification sending module generates a confirmation notification message based on the application data to be confirmed and sends it to the client device. The customer confirmation processing module receives the application data to be confirmed and authorization confirmation related data from the personal online banking system, and generates authorization confirmation result data accordingly. The result feedback module sends the authorization confirmation result data back to the ACH top-up service platform.

Claims

1. A digital account deduction authorization confirmation system, applicable to authorizing and confirming deduction applications for a digital deposit account, the digital account deduction authorization confirmation system comprising a plurality of hardware modules composed of a plurality of hardware circuits, the hardware modules comprising: an application data receiving module configured to receive deduction application data from an ACH top-up service platform, and generate application data to be confirmed based on the deduction application data; and a notification sending module signal-connected to the application data receiving module, configured to receive the application data to be confirmed, and generate a confirmation notification message based on the application data to be confirmed, so as to send the confirmation notification message to a client device; A customer confirmation processing module, signal-connected to the application data receiving module, is configured to receive the application data to be confirmed and authorization confirmation related data from a personal online banking system. The authorization confirmation related data corresponds to an authorization confirmation operation performed on the application data to be confirmed by a customer after logging into the personal online banking system through the client device. The customer confirmation processing module generates an authorization confirmation result based on the application data to be confirmed and the authorization confirmation related data. A result feedback module, signal-connected to the customer confirmation processing module, is configured to receive the authorization confirmation result data and send the authorization confirmation result data back to the ACH top-up service platform.

2. The digital account deduction authorization confirmation system as described in Request 1, wherein the deduction application information includes at least customer identification information, deduction account information and deduction item information.

3. The digital account deduction authorization confirmation system as described in claim 1, wherein the confirmation notification message is sent to the customer via email through a customer message notification system.

4. The digital account deduction authorization confirmation system as described in Request 1, wherein the authorization confirmation information is generated after the customer logs into the personal online banking system through the client device.

5. The digital account deduction authorization confirmation system as described in claim 4, wherein the login is based on verification of a user identification information, a login ID and a password.

6. The digital account deduction authorization confirmation system as described in Request 1, wherein the authorization confirmation information corresponds to the operation result of an authorization confirmation screen displayed by the personal online banking system.

7. The digital account deduction authorization confirmation system as described in Request 1, wherein the authorization confirmation result data includes authorization consent status data.

8. In the digital account deduction authorization confirmation system as described in Request 1, if the authorization confirmation information is not received within a preset period, the result feedback module will not send the authorization confirmation result information back to the ACH top-up service platform.

9. The digital account deduction authorization confirmation system as described in claim 1, wherein the client device is a mobile device, and the customer logs into the personal online banking system through a mobile banking application installed on the mobile device.

10. The digital account deduction authorization confirmation system as described in claim 1, wherein the notification sending module is further configured to include at least a portion of the application information to be confirmed in the confirmation notification message for the customer to confirm on the client device.

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