TWM474210U - Trading system of commodity - Google Patents

Description

Commodity trading system

This creation is about a commodity trading system, especially a commodity trading system that allows a consumer's financial account to flow out of the banking server without risk of being stolen.

At present, the risk faced by the electronic trading market is the misappropriation of financial account information such as personal financial cards and credit cards, so that third parties have the opportunity to use the stolen information to make profits, so that consumers suffer losses and reduce consumers' Confidence and trust in trading.

The Republic of China Patent Publication No. TW 200725459, "A method of using a mobile phone to complete a credit card action payment authentication" is a related transaction method, which allows a consumer to first purchase a checkout in an online store, and then the consumer enters the card number on the mobile phone by himself. The effective date, amount, and special store code, and then the payment information is transmitted from the mobile phone to the telecom company's connection server, and then transmitted to the telecommunications operator and the bank's authorized transaction server in the online store room, and finally transmitted to the receiving server. A single bank is used to complete the transaction authorization. This method requires the consumer to input a large amount of credit card information on the narrow micro keyboard of the mobile phone, which is easy to cause input errors and inconvenience, and cannot prevent the consumer from using the stolen credit card information.

The Republic of China Patent Publication No. TW 200803435 "A method of using a mobile phone as an electronic ticket payment and its device" is another related transaction method, using a composite personal identification chip combined with a mobile phone to store credit card information, however, this method A pre-identified special SIM card must be used in cooperation with a particular carrier, so consumers may need to switch to their carrier to use it.

The Republic of China Patent Publication No. TW 200816068 "A Method of Using a Hand-held Communication Device as a Payment Payment Tool" is another related transaction method. When a consumer purchases a checkout, the consumer uses his mobile phone to call a third party. The payment platform provides its identity authentication, purchase amount, and store code or seller's phone number to the payment platform. The payment platform responds to the consumer with a random transaction identification number, and then the consumer informs the store of the transaction identification number, and the store calls to pay. The platform provides the transaction identification number and confirms that the transaction time and amount are correct. Then the store accepts the transaction on its telephone to accept the transaction to complete the transaction. In this way, in addition to the complicated process and wasted time, the consumer must provide it in advance. Credit card information is given to third parties and relies on third parties to complete transactions, but currently consumers mostly do not trust financial operators outside the bank.

Under the existing technology, it is difficult to overcome the balance between security and convenience among consumers, banks and stores. It is necessary to propose a novel commodity trading system to assist electronic transactions without cash. Can get a good development space.

The main purpose of this creation is to provide a commodity trading system that allows consumers' financial account information to not flow out of the banking server, and promotes the security of trading behavior with sufficient guarantee basis, which is conducive to strengthening consumer Confidence in the use of electronic trading.

Another purpose of this creation is to provide a commodity trading system that allows consumers Conveniently use existing portable electronic products to contact with banks, obtain payment vouchers that can be regarded as cash, and provide them to the store to complete the payment of the price, reduce the loss of the consumer's cash, use the credit card and be misled. It is safe and convenient.

A further object of the present invention is to provide a merchandise trading system that is highly operational in a store that can operate in a physical store, or in a virtual store or a store that sells through a trading platform.

In order to achieve the above object, the present invention discloses a commodity trading system comprising: a mobile communication device; and a banking server for transmitting and receiving messages to the mobile communication device, the banking server One of the storage units stores one of the financial account numbers bound by the mobile communication device; wherein the mobile communication device sends a payment request message to the bank server, and the bank server receives the payment request message and connects The payment request message generates a payment voucher message to the financial account, and then sends the payment voucher message to the mobile communication device, so that a store transaction device reads the payment voucher message to complete the transaction. According to the hardware structure layout of the system and the transmission of related information, the overall transaction behavior can be carried out in a safe and convenient mode.

1‧‧‧Mobile communication device

11‧‧‧Wireless transmission module

12‧‧‧ scan module

13‧‧‧Input module

2‧‧‧Bank server

21‧‧‧ storage module

3‧‧‧Store trading device

4‧‧‧ Goods

5‧‧‧ trading platform

6‧‧‧Payment request message

61‧‧‧Mobile communication device coding

62‧‧‧ commodity amount

63‧‧‧ Quantity of goods

64‧‧‧Store code

65‧‧‧Electronic shopping password

7‧‧‧payment voucher message

S1~S5‧‧‧Steps

The first picture is a schematic diagram of the hardware layout of the creation; the second picture is a flow chart of the steps of the method for creating the operation; the third picture is a preferred embodiment of the creation FIG. 4 is a schematic diagram of message transmission according to another preferred embodiment of the present invention; FIG. 5 is a schematic diagram of message transmission according to still another preferred embodiment of the present invention; and a sixth diagram: Is a hardware layout of the preferred embodiment of the transaction platform schematic diagram.

For a better understanding and understanding of the features of the creation and the efficacies achieved, please refer to the preferred examples and detailed explanations as follows:

First, please refer to the first figure, which reveals the structural layout of the present creation, which mainly includes: a mobile communication device 1, a bank server 2, and a store transaction device 3. The mobile communication device 1 is held by the consumer and directly controlled by the consumer, and is located at the consumer end; the bank server 2 is located at the remote end, and the mobile communication device 1 communicates with the mobile communication device 1 to communicate and exchange information. As for the store transaction device 3, it is adjacent to the consumer.

Based on the hardware structure shown in the first figure, in the method of operation, please refer to the second figure, which includes the steps: Step S1: using a mobile communication device to send a payment request message to a banking server; Step S2: the bank server confirms one of the financial account numbers bound to the mobile communication device; step S3: the bank server generates a payment voucher message; step S4: the bank server sends the payment voucher message to the mobile communication device And step S5: a store transaction device reads the payment voucher message displayed by the mobile communication device.

In this creation, the mobile communication device 1 held by the consumer is convenient to carry, and at the same time It also has the function of transmitting information to the outside through the wireless transmission module 11 regardless of time and place. In general, the applicable medium can be a traditional functional mobile phone, or a smart phone, a smart watch or a tablet computer with a wide range of functions.

When consumers want to pay for the goods they want to buy, if they do not trade in cash, they basically need to use a financial card (Debit Card), credit card (Credit Card), etc. to connect with the bank through the credit card machine to complete the price. Payment, or enter the credit card information in the virtual store to complete the payment; however, the above payment method has the possibility that the financial card/credit card information is obtained by the interested person through the way of recording, intercepting or phishing the webpage, perhaps This will result in a loss of property. The commodity trading system disclosed in this creation plays a role in the consumer's desire to pay the bill, so that the procedure with risk in the transaction can be effectively avoided.

When the creation is in operation, please refer to the structure of the first figure and the message transmission path shown in the third figure. After selecting the goods to be purchased, the consumer uses the mobile communication device 1 held by the consumer as the payment. Medium. It uses the related application program of the mobile communication device 1, such as a micro application (APP), to input the payment amount to be requested by the input module 13, that is, the commodity amount 62 multiplied by the number of products 63; or directly The mobile communication device 1 has the scanning module 12 reading the two-dimensional barcode or QR code (Quick Response Code) attached to the product 4, and quickly obtaining the amount to be paid. Next, the mobile communication device 1 transmits the payment request message 6 to the remotely located bank server 2 through the wireless transmission module 11, and the payment request message 6 includes a mobile communication device code in addition to the payment amount. 61, to enable the remote bank server 2 to identify who transmitted the payment request message 6.

After receiving the payment request message 6, the bank server 2 will follow the consumer and the bank in advance. The default service type is handled accordingly. Here, the storage unit 21 of the bank server 2 stores the financial account of the consumer, and the financial account is bound to the mobile communication device 1 of the consumer, and further, the action of the mobile communication device 1 The communication device coding system has previously completed the connection setting with the consumer's financial account at the bank. When the payment request message 6 is received by the bank server 2, the bank server 2 will encode according to the mobile communication device included in the payment request message 6. 61 As a label, view the financial account associated with it.

The financial account mentioned above may be financial card information, credit card information or Checking Account data, but is not limited to this category, as long as it is a financial account that the consumer has to pay for the price of the purchased product. . The bank server 2 compares the account balance (for example, financial card information, checking account information) or credit limit (such as credit card information) of the financial account with the payment amount in the received payment request message 6. If the amount of available money such as account balance or credit limit is greater than the payment amount, it means that the payment request message 6 of the consumer is allowable, so that a payment voucher message 7 is generated and transmitted back to the mobile communication device 1 of the consumer.

The payment voucher message 7 is sent by the bank server 2 to the mobile communication device 1 of the consumer, who can use the payment voucher message 7 as a substitute for cash. The payment voucher message 7 itself may be a string of specific message codes, QR codes, account cipher sets, or any similar digital message content, which is sent by the bank server 2 on behalf of a certain amount of money, and is used by the bank For guarantee. After the consumer obtains the payment voucher message 7, it can be provided to the store as a payment fulfillment, and the store selling the product can use the store transaction device 3 installed therein to read and record the payment voucher message 7 as The act of collecting money.

In the present invention, a preferred embodiment is that the store transaction device 3 can be associated with the bank server 2, and after the store transaction device 3 reads and records the payment voucher message 7, the bank server 2 knows the payment voucher message 7 Has been read by the specific store transaction device 3, and sent a confirmation message to the store transaction device 3 to notify the payment voucher message 7 to be valid, and will not accept the collection behavior of the other store transaction device 3 pairs. To avoid repeated use of the same payment voucher message 7.

Another preferred embodiment of the present invention is that the payment voucher message 7 contains restrictions. Please refer to the fourth figure. For example, the payment voucher message 7 includes a store code 64 so that only the specific store transaction device 3 can read and The payment voucher message 7 is recorded as an act of collecting money. This store code 64 is provided by the consumer when initially sending the payment request message 6.

In a further preferred embodiment of the present invention, only the message as shown in FIG. 5 is sent, wherein the payment voucher message 7 is not limited to correspond to a specific commodity amount, but the consumer is used to use the mobile communication device 1 As an electronic wallet, a plurality of store transaction devices 3 can read and record the payment voucher message 7 multiple times to complete a plurality of transactions. In this embodiment, the payment request message 6 sent by the consumer to the bank server 2 directly requests a higher amount of payment, so that the payment voucher message 7 returned by the bank server 2 forms the payment with the higher amount. The virtual stored value card is used for further consumption by consumers, which is more flexible for scheduling and providing convenience.

The content read and recorded by the store transaction device 3 is the basis for the store to request the bank, and can be designed as an instant payment or a daily settlement or a monthly payment according to the agreement between the store and the bank. Moreover, this creation does not limit the pre-signing of the store and the bank, and only allows the bank to identify and authenticate the payment voucher message 7 to ensure that the store can obtain the transaction price.

In the above transaction process, the consumer's private financial information, such as his credit card number, will not flow out of the bank server 2, blocking the possibility of the person who is interested in stealing and stealing his credit card during the transmission process. Make the security of the transaction greatly improved, which is beneficial to the three parties involved in the transaction, such as consumers, banks and stores. It can reduce the operational losses caused by data theft because of the reduction of transaction risk. This is also the introduction of the industry. A big incentive for this creation.

In order to further improve the security of the transaction, when the consumer uses the mobile communication device 1 to send the payment request message 6 to the bank server 2, the payment request message 6 further includes an electronic shopping password 65 for the bank server 2 to In addition to the confirmation of the account balance or the credit limit, the electronic shopping password 65 is also matched with the verification lock set by the consumer in advance for the financial account, and the verification lock is unlocked. Can be established.

With the existing commercial transaction structure, consumers may not directly consume in physical storefronts, but through virtual large-scale trading platforms, such as Yahoo! Super Mall or PChome shopping street. In the virtual shopping mall consumption, the user does not directly contact the store, but accepts the media of the trading platform on the trading platforms and purchases the products of the virtual store. Under the commercial transaction architecture, please refer to the sixth figure, the payment request message transmitted by the mobile communication device 1 is first sent to the transaction platform 5, and after the transaction platform 5 receives the payment request message, it is sent to the bank server. 2 processing, and then the bank server 2 sends a payment voucher message to the mobile communication device 1 of the consumer.

Due to the fact that the personal data is leaked and the credit card has been stolen due to the purchase of goods through the trading platform, the trading platform does not handle any financial account under the application of the commodity trading system of this creation. Only as an intermediary order between buyers and sellers In order to obtain the reward for providing the platform through the payment request message, the security of shopping through the trading platform is greatly improved.

In summary, this creation reveals in detail a commodity trading system, which is characterized in that the financial account information of the consumer does not flow out of the bank server, and the security of the transaction behavior has a sufficient guarantee basis, which is beneficial to Enhance consumer confidence in the use of electronic transactions; based on the hardware layout and messaging applications revealed by this creation, consumers can conveniently use existing portable electronic products to complete the payment of price, the store that sells goods Collections are also guaranteed. In summary, this creation undoubtedly provides a commodity trading system that fully demonstrates practical value.

However, the above description is only for the preferred embodiment of the present invention, and is not intended to limit the scope of the present invention, and the variations, modifications, and modifications of the shapes, structures, features, and spirits described in the scope of the patent application. , should be included in the scope of the patent application of this creation.

1‧‧‧Mobile communication device

11‧‧‧Wireless transmission module

12‧‧‧ scan module

13‧‧‧Input module

2‧‧‧Bank server

21‧‧‧ storage module

3‧‧‧Store trading device

4‧‧‧ Goods

Claims (12)

A commodity trading system comprising: a mobile communication device; and a banking server for transmitting and receiving messages to the mobile communication device, wherein the storage unit of the banking server stores the binding of the mobile communication device (binding) a financial account; wherein the mobile communication device sends a payment request message to the bank server, and after receiving the payment request message, the banking server connects the payment request message to the financial account to generate a payment voucher message. The payment voucher message is sent to the mobile communication device, so that a store transaction device reads the payment voucher message to complete the transaction. The commodity trading system of claim 1, wherein the mobile communication device is a functional mobile phone, a smart phone, a smart watch or a tablet computer. The commodity trading system of claim 1, wherein the mobile communication device comprises a wireless transmission module. The commodity transaction system of claim 1, wherein the payment request message further comprises an electronic shopping password. The commodity transaction system of claim 1, wherein the financial account number is a financial card information, a credit card information or a checking account data. The commodity transaction system of claim 1, wherein the mobile communication device sends the payment request message to the transmission path of the bank server, further comprising a transaction platform, the transaction platform receiving the payment request message And then sent to the bank server. The commodity trading system of claim 1, wherein the one of the payment voucher messages is generated by the financial account having one account balance or one credit amount greater than one of the payment request messages and one The product of the number of items. The commodity trading system of claim 7, wherein the generating condition further comprises that the electronic shopping password included in the payment request message conforms to one of the verification keys included in the financial account. The commodity transaction system of claim 1, wherein the payment request message includes a mobile communication device code, an item amount, and a quantity of the item. The commodity transaction system of claim 1, wherein the payment request message further comprises an item amount and a quantity of the item. The merchandise transaction system of claim 1, wherein the payment request message further comprises a store code corresponding to one of the store transaction devices. The commodity trading system of claim 11, wherein the payment voucher message includes the store code.