TWM493715U - Trading system - Google Patents

Description

Trading System

This creation refers to a trading system, especially a trading system that authorizes the trading network to conduct transactions through bank-side data verification.

With the evolution of network technology, consumers are increasingly trading on credit cards through shopping websites, and at the same time, transaction security issues arise. For example, when consumers want to make every transaction, they need to input credit card information on the shopping website, which is very inconvenient. To this end, the transaction website will store the credit card information entered by the consumer, and the consumer will not have to re-enter the next consumption.

However, storing credit card information on a trading website creates new security issues. Since the bank cannot know whether the credit card information sent by the shopping website is operated by the card holder himself, the cardholder will suffer huge financial losses once the credit card information is stolen by the hacker or the shopping website is smashed.

Therefore, how to strengthen the security of online credit transactions has become one of the goals of the industry.

Therefore, the main purpose of this creation is to provide a trading system.

This creation discloses a trading system that includes a verification device, a package The first receiving unit is configured to receive the first application data and the authorization request, where the first application data includes a telephone number of the communication device, and the first storage unit is electrically connected to the first receiving unit for storing the first application data; The first notification unit is electrically connected to the first receiving unit for transmitting the application completion notification to the communication device according to the telephone number; the first verification unit is electrically connected to the first receiving unit, and is configured to compare the first application data with the second Applying information to generate a first verification result; the first transmitting unit is electrically connected to the first verification unit for transmitting the first verification result and the transaction authorization signal; and the authorization unit is configured to generate the transaction authorization signal according to the authorization request; And the application device includes a second receiving unit, configured to receive the second application data, the first verification result, the transaction authorization signal, and the transaction content; the second transmitting unit is electrically connected to the second receiving unit, and is configured to transmit the second Applying the data to the first verification unit; and transmitting the authorization request to the first receiving unit; the combining unit, electrically connecting the second a receiving unit, configured to reorganize the second application data according to the first verification result to generate an authorization request; and the transaction unit is electrically connected to the second receiving unit, and is configured to execute according to the transaction content, the second application data, and the transaction authorization signal transaction.

In an embodiment of the present invention, the application device further includes a second notification unit electrically connected to the second receiving unit, configured to transmit the verification code to the communication device according to the first verification result; and the second verification unit is electrically Connecting a second notification unit, configured to compare the verification code and the return verification code to generate a second verification result; and the second storage unit is electrically connected to the second verification unit, configured to save the second application according to the second verification result Data, wherein the second receiving unit is additionally used to receive the return verification code.

In an embodiment of the present invention, the second notification unit is configured to transmit the verification code to the communication device when the first verification result indicates that the first application data matches the second application data.

In an embodiment of the present invention, the scanner is further configured to scan the application file to generate the first image file when the verification result determines that the user identity is a qualified identity.

In an embodiment of the present invention, the second storage unit is configured to store the second application data when the second verification result display verification code matches the return verification code.

In an embodiment of the present invention, the first application data and the second application data include an ID number, a birthday, a mobile phone number, a credit card number, and a credit card expiration date.

This transaction system compares the user application data of the verification side and the application side, and is more secure than the prior art only to the credit card data.

20‧‧‧ trading system

300‧‧‧Verification device

400‧‧‧Application device

310‧‧‧First receiving unit

320‧‧‧First storage unit

330‧‧‧First notification unit

340‧‧‧First Verification Unit

350‧‧‧First transmission unit

360‧‧‧Authorization unit

410‧‧‧second receiving unit

420‧‧‧Second transfer unit

430‧‧‧ combination unit

440‧‧‧second notification unit

450‧‧‧Second verification unit

460‧‧‧Second storage unit

470‧‧‧transaction unit

APP1‧‧‧First Application Information

APP2‧‧‧Second application materials

AR‧‧‧ Authorization Request

ACK‧‧‧Application completion notice

VR1‧‧‧ first verification result

VR2‧‧‧ second verification result

AU‧‧‧ transaction authorization signal

TC‧‧‧ transaction content

CODE‧‧‧ verification code

CODE-R‧‧‧Return verification code

The above and other objects, features, advantages and embodiments of the present invention can be more clearly understood. The description of the drawings is as follows: FIG. 1 is a schematic diagram of a trading system of the creative embodiment.

In order to make the description of the present invention more detailed and complete, reference is made to the accompanying drawings and the various embodiments described below. On the other hand, well-known elements are not described in the embodiments to avoid unnecessarily limiting the creation.

In the scope of implementation and patent application, it relates to "electrical connection" The description may refer to a component being indirectly electrically connected to another component through other electrical components, or a component may be directly connected to another component without passing through other components.

In the scope of the embodiments and patent applications, unless the context specifically dictates the articles, "a" and "the" may mean a single or plural.

Please refer to FIG. 1 , which is a schematic diagram of the transaction system 20 of the present embodiment. The transaction system 20 includes a verification end device 300 and an application end device 400. For example, the verification device 300 can be set at the bank, and the application device 400 can be set at the shopping website. The verification end device 300 includes a first receiving unit 310, a first storage unit 320, a first notification unit 330, a first verification unit 340, a first transmission unit 350, and an authorization unit 360. The first storage unit 320 is electrically connected to the first receiving unit 310. The first notification unit 330 is electrically connected to the first receiving unit 310. The first verification unit 340 is electrically connected to the first receiving unit 310. The first transmitting unit 350 is electrically connected. The first verification unit 340. The application device 400 includes a second receiving unit 410, a second transmitting unit 420, a combining unit 430, a second notification unit 440, a second verification unit 450, a second storage unit 460, and a transaction unit 470. The second transmitting unit 420 is electrically connected to the second receiving unit 410, the combining unit 430 is electrically connected to the second receiving unit 410, the transaction unit 470 is electrically connected to the second receiving unit 410, and the second notification unit 440 is electrically connected to the second receiving unit. 410. The second verification unit 450 is electrically connected to the second notification unit 440, and the second storage unit 460 is configured by the second verification unit 450. The first receiving unit 310 is configured to receive the first application profile APP1 and the authorization request AR. In an embodiment of the present creation, the first The application profile APP1 contains the telephone number of the communication device. The first storage unit 320 is configured to store the first application profile APP1. The first notification unit 330 is configured to transmit an application completion notification ACK to the communication device according to the telephone number. The first verification unit 340 is configured to compare the first application profile APP1 with the second application profile APP2 to generate a first verification result VR1. The first transmitting unit 350 is configured to transmit the first verification result VR1 and the transaction authorization signal AU. The authorization unit 360 is configured to generate a transaction authorization signal AU according to the authorization request AR. The second receiving unit 410 is configured to receive the second application information APP2, the first verification result VR1, the transaction authorization signal AU, and the transaction content TC. The second transmitting unit 420 is configured to transmit the second application profile APP2 to the first verification unit 340, and transmit the authorization request AR to the first receiving unit 310. The combining unit 430 is configured to reorganize the second application material APP2 according to the first verification result VR1 to generate an authorization request AR. Finally, the transaction unit 470 is configured to execute the transaction based on the transaction content TC, the second application profile APP2, and the transaction authorization signal AU.

Regarding the operation of the transaction system 20, for example, the verification side device 300 is disposed at a bank, and the application device 400 is disposed at a shopping website. The verification device 300 receives the first application profile APP1 of the bank customer, and the application device 400 receives the second application profile APP2 of the shopping website consumer. The first notification unit 330 is configured to transmit a request completion notification ACK to the communication device of the client, such as a mobile phone or a tablet, according to the phone number of the client in the first application profile APP1, and notify the client to input the second application profile APP2 on the shopping website. The first verification unit 340 verifies whether the second application profile APP2 returned by the shopping website matches the first application profile APP1. If the first verification result VR1 shows that the application data matches, the combination unit 430 retrieves the second application data APP2 Some of the items, such as credit card numbers and credit card expiration dates, are used as authorization requests for AR. The authorization unit 360 on the bank side generates the transaction authorization signal AU after receiving the authorization request AR. Finally, after receiving the transaction authorization signal AU, the transaction unit 470 on the shopping website side executes the transaction according to the actual transaction content TC and the consumer information in the second application data APP2.

In the transaction system 20 of the present creation, the consumer submits the first application information APP1 before the bank, and then submits the second application information APP2 on the shopping website, and the bank-side verification first application information APP1 matches the second application information APP2. In order to start a transaction. Compared with the prior art, the bank only authorizes the transaction by the credit card information stored on the shopping website, and the creation greatly enhances the security of the online transaction. For example, in the transaction system 20, even if the shopping website transmits the correct credit card information to the bank, the bank does not authorize the transaction because the comparison procedure between the first application profile APP1 and the second application profile APP2 is not passed.

According to an embodiment of the present creation, in order to further enhance security, the shopping website side may also include a SMS authentication program. To this end, the application device 400 further includes a second notification unit 440, a second verification unit 450, and a second storage unit 460. The second notification unit 440 is configured to transmit the verification code CODE to the communication device of the consumer when the first verification result VR1 indicates that the first application profile APP1 matches the second application profile APP2. The second receiving unit 410 receives the return verification code CODE-R returned by the consumer. The second verification unit 450 is configured to compare the verification code CODE and the return verification code CODE-R to generate a second verification result VR. Finally, the second storage unit 460 is configured to display the verification code CODE and the return verification code CODE-R in the second verification result VR2. When the second application data APP2 is stored. As a result, the security of the second application profile APP2 is further enhanced.

According to an embodiment of the present invention, the first application profile APP1 and the second application profile APP2 include an ID card number, a birthday, a mobile phone number, a credit card number, and a credit card expiration date.

In summary, the transaction system of the creation needs to go through the application process on the verification end (such as the bank) and the application end (such as the shopping website). Only when the application materials at both ends are matched, the verification end will authorize the transaction. This transaction system improves the security flaws of previous technologies that fail to verify the identity of the application user and enhances the security of online transactions.

Although the present invention has been disclosed in the above embodiments, it is not intended to limit the present invention, and any person skilled in the art can make various changes and refinements without departing from the spirit and scope of the present invention. The scope is subject to the definition of the scope of the patent application attached.

20‧‧‧ trading system

300‧‧‧Verification device

400‧‧‧Application device

310‧‧‧First receiving unit

320‧‧‧First storage unit

330‧‧‧First notification unit

340‧‧‧First Verification Unit

350‧‧‧First transmission unit

360‧‧‧Authorization unit

410‧‧‧second receiving unit

420‧‧‧Second transfer unit

430‧‧‧ combination unit

440‧‧‧second notification unit

450‧‧‧Second verification unit

460‧‧‧Second storage unit

470‧‧‧transaction unit

APP1‧‧‧First Application Information

APP2‧‧‧Second application materials

AR‧‧‧ Authorization Request

ACK‧‧‧Application completion notice

VR1‧‧‧ first verification result

VR2‧‧‧ second verification result

AU‧‧‧ transaction authorization signal

TC‧‧‧ transaction content

CODE‧‧‧ verification code

CODE-R‧‧‧Return verification code

Claims (5)

A transaction system includes: a verification device, comprising: a first receiving unit, configured to receive a first application data and an authorization request, wherein the first application data includes a telephone number of a communication device; The first storage unit is electrically connected to the first receiving unit for storing the first application data; a first notification unit is electrically connected to the first receiving unit, and configured to transmit an application completion notification according to the telephone number To the communication device; a first verification unit electrically connected to the first receiving unit for comparing the first application data with a second application data to generate a first verification result; a first transmission unit, The first verification unit is configured to transmit the first verification result and a transaction authorization signal; and an authorization unit is configured to generate the transaction authorization signal according to the authorization request; and an application device, including a second receiving unit, configured to receive the second application data, the first verification result, the transaction authorization signal, and a transaction content; a second transmission unit, electrical Then the second receiving unit, for: transmitting the second data to the first application verification unit; and transmitting the authorization request to the first receiving unit; a combination unit electrically connected to the second receiving unit, configured to recombine the second application data according to the first verification result to generate the authorization request; and a transaction unit electrically connected to the second receiving unit To execute a transaction based on the transaction content, the second application information, and the transaction authorization signal. The transaction system of claim 1, wherein the application device further comprises: a second notification unit electrically connected to the second receiving unit, configured to transmit a verification code to the communication according to the first verification result a second verification unit electrically connected to the second notification unit for comparing the verification code with a return verification code to generate a second verification result; and a second storage unit electrically connected to the first The second verification unit is configured to store the second application data according to the second verification result, where the second receiving unit is further configured to receive the return verification code. The transaction system of claim 2, wherein the second notification unit is configured to transmit the verification code to the communication device when the first verification result indicates that the first application data matches the second application data. The transaction system of claim 2, wherein the second storage unit is configured to display the verification code and the return verification code in the second verification result The second application data is stored. The transaction system of claim 1, wherein the first application data and the second application data include an ID number, a birthday, a mobile phone number, a credit card number, and a credit card expiration date.