TW201423625A - Transaction system for entity shopping through virtual account balance, and transaction method using for the same - Google Patents

Abstract

A transaction system includes a third-part payment platform, a card number management server, a bank server and a point of sale (POS) device. User has an account of the platform, and applies the platform for a virtual card number according to an account number and a password of the account. The POS device receives input of the virtual card number during a physical transaction of the user, and sends the virtual card number and consumer information to the bank server. The bank server transmits the virtual card number and the consumer information to the management server, and the management server transmits it to the platform. The platform decrypts the virtual card number to get the account number and password of the account. Therefore, the physical transaction can be established when the platform makes sure the balance of the account is enough for the payment of the physical transaction.

Description

Transaction system for applying virtual account balance to physical shopping and method thereof

The present invention relates to a trading system and a method of trading the same, and more particularly to a trading system that can use the balance of a virtual account for physical shopping and a method of trading the same.

Generally speaking, when consumers consume in a physical store, they mainly use cash transactions as the largest. If the cash on the consumer is insufficient, they must go to a nearby cash machine to withdraw the money. However, if the ATM and the consumer's ATM card do not belong to the same bank, the consumer will be deducted a handling fee when withdrawing money, which is not cost-effective. Moreover, if a foreign consumer makes a cross-border withdrawal, for example, when a mainland merchant withdraws money from a cash machine in Taiwan, the maximum is more likely to be charged a 10% fee by the bank, which is quite expensive.

Therefore, in general, some people will choose to use credit cards as a second means of payment. However, a credit card is mainly a payment method that first enjoys post-payment. If the consumer's restraint is insufficient, a bill that is large and unaffordable may be accumulated. Therefore, some consumers do not like to use credit cards, but if they do not use credit cards, there is no solution when the cash on the consumer is insufficient.

In recent years, third-party payment services have prevailed. The so-called third-party payment means that the consumer first stores the value in a payment website. When the consumer makes a purchase on the Internet, the payment website confirms that the consumer has received the payment. After the goods arrive, the seller will pay the purchase price to the seller with the money pre-stored by the consumer. The advantage of this is that the consumer has stored the value in the payment website in advance, so the seller is not afraid of receiving the money; and the payment website needs to confirm that the consumer has received the goods before paying the purchase price to the seller, thus ensuring the consumer Will not receive the goods, can be described as two birds with one stone.

In view of the above advantages, many consumers have recently become accustomed to pre-stocking a large amount of money in these payment websites for use. In addition, sellers of online auctions may also set their auction proceeds directly into the seller's virtual account on the payment websites, so that a certain amount of balance can be retained in their account so that they can use when shopping. . However, the balance in the existing payment website can only be used in the behavior of online shopping, and cannot be used in the consumption behavior of the physical store, which is a pity.

The main object of the present invention is to provide a transaction system for applying virtual account balance to physical shopping and a method thereof, which can allow a user to use a balance in an account on the network to perform a payment action when conducting a transaction in a physical store. .

To achieve the above objective, the system of the present invention mainly includes a third party payment platform, a card number management server, a bank server, and an endpoint sales device. The user has an account of the third-party payment platform, and can apply for a set of virtual card numbers to the third-party payment platform through the account number and password of the account. When the user conducts a transaction at the physical storefront, the endpoint sales device can accept the input of the virtual card number, and after the discriminating bank is determined according to the virtual card number, the consumption information is transmitted to the bank server. The bank server transmits the consumption information to the card number management server, and then the card number management server transmits the message to the third party payment platform. Therefore, the third-party payment platform can decrypt the virtual card number to obtain the account and password of the account corresponding to the virtual card number. In this way, the third party payment platform can confirm whether the balance in the account is sufficient to pay for the transaction, and the transaction can be established when the balance in the account is sufficient to pay for the transaction.

The effect of the present invention over the prior art is that the user can apply the money stored in the virtual account to the transaction behavior of the entity. As long as the user applies in advance, applying a set of corresponding virtual card numbers with the account number and password of the virtual account, the virtual card number can be used for transaction in the entity transaction, which is quite convenient. Moreover, the balance of the user in the account of the third-party payment platform can be used on both the network and the physical path, thereby effectively increasing the transaction volume of the third-party payment platform and attracting users to store in the third-party payment platform. value.

Furthermore, the virtual card number mainly has a requirement corresponding to the standard credit card number. Therefore, the existing POS device in the physical store does not need to make any soft or hard change, and can directly accept the input of the virtual card number, so that The user uses the virtual card number to conduct the transaction. Therefore, the system and method of the present invention are quite convenient for users, physical stores, third party payment platforms or banks.

DETAILED DESCRIPTION OF THE INVENTION A preferred embodiment of the present invention will be described in detail with reference to the drawings.

Referring first to the first figure, a block diagram of a system in accordance with a first preferred embodiment of the present invention. The present invention discloses a transaction system that can apply a virtual account balance to an entity shopping. In this embodiment, the transaction system mainly includes a third-party payment platform 1 (hereinafter referred to as the payment platform 1 in the specification) , a card number management server 2, a point of sale (POS) device 3 and a bank server 4. The main technical feature of the present invention is that the payment platform 1 is a website that provides stored value and payment services on the network, such as Alipay, PayPal, and GOHAPPY, and is not limited. A user 5 can store money in a virtual account on the payment platform 1 via the Internet and apply it to transactions with physical stores. In this way, when the user 5 consumes in the store, but the cash is insufficient, the account balance in the payment platform 1 can be used for payment. Moreover, the payment platform 1 such as PayPal or GOHAPPY usually gives a certain degree of bonus points according to the operation of the user 5 (for example, 1 point bonus point is paid when the purchase is over 100 yuan), and the user 5 is allowed to make some bonuses. Points are treated as cash (for example, 10 points of bonus points can be deducted for a 1 yuan discount on cash). In the present invention, the user 5 is allowed to apply the money balance of the account on the payment platform 1 and the remaining bonus points to the transaction with the physical store. For convenience of explanation, the following will only illustrate the money balance in the account, but it is not limited.

In this embodiment, the user 5 needs to register an account on the payment platform 1, and then apply for a set of virtual card numbers to the payment platform 1 by using the account information I1 of the account (such as the virtual card number I21 in the second B picture). ). The payment platform 1 records at least one set of encryption and decryption operation functions, and the payment platform 1 can perform encryption operation on the account information I1 according to the encryption and decryption operation function to obtain a corresponding set of card information I2, and The card information I2 is registered in the card number management server 2 (mainly registering the virtual card number I21), and is replied to the user 5 for recognition. In this way, when the user 5 consumes in the physical store, the card information I2 can be input to the POS device 3 in the physical store to make a payment. In this embodiment, the card information I2 may mainly include the virtual card number I21, and a corresponding expiration date I22 and a card password I23, etc., but are not limited. In the following description, the virtual card number I21 will be briefly described. It is worth mentioning that the encryption and decryption operation function can be mainly provided to the payment platform 1 by the operator of the card number management server 2, but is not limited thereto.

In this embodiment, the virtual card number I21 is mainly provided with a credit card number corresponding to the standard. Therefore, the POS device 3 can directly accept the input of the virtual card number I21 without any soft or hard modification. For example, by manually inputting the mode of the card number manually, the store manually inputs the virtual card number I21, the expiration date I22, the card password I23, and the amount of consumption, etc., so that the user 5 can perform the transaction by the virtual card number I21.

As described above, the virtual card number I21 corresponds to the format of a standard credit card, so the POS device 3 can determine, by the virtual card number I21, which bank the acquiring bank is, thereby, the virtual card number I21 and the exchange are generated. A consumption information (for example, a consumption amount) is transmitted to the bank server 4 corresponding to the acquiring bank. In this embodiment, the bank server 4 can recognize that the virtual card number I21 is not the card number of the general credit card, but the virtual card number generated by the payment platform 1 , so the data is transmitted to the card management server 2 for verification. .

After receiving the virtual card number I21, the card number management server 2 first determines whether the virtual card number I21 is registered. If there is a registration, it indicates that the virtual card number I21 is generated by the payment platform 1. Therefore, the card number management server 2 can transmit the virtual card number I21 and the consumption information to the payment platform 1, so that the payment platform 1 can decrypt the virtual card number I21 according to the encryption and decryption operation function. To obtain the account information I1 of the account corresponding to the virtual card number I21. Further, the payment platform 1 can log in to the account according to the account information I1, and confirm whether the balance in the account is sufficient to pay the transaction (for example, the balance of the account can be compared with the amount of consumption in the consumption information) . If the balance in the account is sufficient to pay for the transaction, the account is debited and the payment action is authorized. More specifically, the payment platform 1 mainly records the authorization information to the card number management server 2 and the bank server 4 after the deduction, and the bank server 4 transmits the authorization information to the POS device. 3, in order to enable the entity store to confirm the payment action is successful.

Please refer to FIG. 2A and FIG. 2B respectively, which are schematic diagrams of the card number application pages of the first preferred embodiment and the second preferred embodiment of the present invention. First, as shown in FIG. 2A, if the user 5 has an account on the payment platform 1, the user 5 can operate a computer device 6 to log in to a virtual card number application page 11 of the payment platform 1. The account information I1 is entered in the virtual number application page 11. In this embodiment, an account number I11 and a password I12 of the account are taken as an example for illustration.

Then, as shown in the second B, the payment platform 1 can perform an encryption operation on the account I11 and the password I12 according to the encryption and decryption operation function to obtain a corresponding set of the virtual card number I21, and display the virtual The card number is applied to the page 11 for use by the user 5. More specifically, the payment platform 1 mainly obtains the above-mentioned card information I2 after the encryption operation, and includes the virtual card number I21, the expiration date I22, the card password I23, and the like, but is not limited thereto. In this way, when the user 5 performs the entity transaction using the virtual card number I21, the security of the transaction can be improved by the expiration date I22 and the card password I23.

Referring to the third figure, a flow chart of an account application according to a first preferred embodiment of the present invention is shown. To implement the transaction method of the present invention and to conduct the transaction by the transaction system of the present invention, first, the user 5 needs to apply for an account in the payment platform 1 (step S10), and set the account number I11 of the account and The password I12 (step S12). In this embodiment, the account number I11 is mainly an email mailbox of the user 5, a mobile phone number, or an account of the payment platform 1 custom specification, and may be a group consisting of numbers, characters, and symbols. Account number, but not limited. Finally, the user 5 can store the value in the account by means of a credit card or a transfer payment, etc., to allow the payment platform 1 to make money for payment (step S14).

Continuing to refer to the fourth figure, a flow chart of a virtual card number application according to a first preferred embodiment of the present invention. After the user 5 owns the account in the payment platform 1, the user 5 can apply for the virtual card number I21 to the payment platform 1 by the account number I11 and the password I12 of the account (step S20). More specifically, the user 5 inputs the account number I11 and the password I12 of the account in the virtual card number application page 11 (step S22), whereby the application is made through the virtual card number application page 11. After the payment platform 1 confirms that the account does exist, the account I11 and the password I12 can be encrypted according to the encryption and decryption operation function to obtain the corresponding virtual card number I21 (step S24). And as described above, in addition to the virtual card number I21, the payment platform 1 can simultaneously calculate the expiration date I22 and the card password I23 corresponding to the virtual card number I21 to improve the security of the virtual card number I21. . Moreover, the payment platform 1 can also use the One Time Password (OTP) as the card password I23, but is not limited.

In this embodiment, the encryption and decryption operation function is mainly a Data Encryption Standard (DES) function, and the payment platform 1 can mainly use a time-based one-time password. (One Time Password, OTP), as the encryption and decryption key of the DES function, but is not limited. Both the DES function and the OTP are well-known technologies for data encryption, and are not described here.

After the payment platform 1 calculates the virtual card number I21 (and the expiration date I22 and the card password I23), the virtual card number I21 is first registered in the card number management server 2 (step S26), and finally, The virtual card number I21 is then returned to the user 5 (step S28). More specifically, in the step S28, the payment platform 1 can display the virtual card number I21, the expiration date I22, and the card information I23 and the card information I2 on the virtual main page as shown in the second B. The card number is applied to page 11 to make the user 5 aware.

Referring to the fifth figure, a payment flow chart of a first preferred embodiment of the present invention is shown. When the user 5 applies for the virtual card number I21 in advance on the Internet, the user can perform the consumption in the physical store (step S30), and when the user 5 conducts a transaction with the physical store, the user can mainly The virtual card number I21 is input to the POS device 3 in the physical store (step S32). More specifically, the POS device 3 mainly accepts the input of the card information I2 such as the virtual card number I21, the expiration date I22, and the card password I23 by manually inputting the card number mode. In this embodiment, mainly The virtual card number I21 is taken as an example for illustrative purposes, but is not limited thereto. Moreover, the POS device 3 is more responsive to the input of the consumption information generated by the transaction, such as the amount of consumption, but is not limited.

After the POS device 3 accepts the input of the virtual card number I21, it can determine which bank of the acquiring card of the virtual card number I21 is (step S34), thereby transmitting the virtual card number I21 and the consumption information to the acquiring bank. The corresponding bank server 4 is connected (step S36). In this embodiment, the virtual card number I21 is mainly a set of 16-code credit card numbers composed of numbers of 0-9, for example, "1234-5678-1357-2468", which is the same format as a general credit card number. Therefore, after receiving the virtual card number I21, the POS device 3 can determine, by the first 6 codes of the virtual card number I21, which bank the virtual card number I21 is, thereby transmitting the virtual card number I21 and the consumption information to The correct bank server 4.

More specifically, in the present invention, the operator of the card number management server 2 can mainly negotiate with the acquiring bank, so that all the virtual card numbers calculated by the encryption and decryption operation function have the use of the acquiring bank. The code (ie, the first 6 codes are the same). In this way, the POS device 3 transmits the same card number of the first 6 codes to the acquiring bank, and then the acquiring bank determines whether it is the card number of the general credit card or the virtual card number I21. Moreover, the operator of the card number management server 2 can directly register a new set of numbers with the credit card international organization, whereby as long as the first 6 codes of the set of card numbers are the new number, the group card number is Virtual card number I21. However, the above description is only a preferred embodiment of the present invention, and is not limited thereto.

After the step S36, the bank server 4 can receive a set of card numbers and the consumption information transmitted by the POS device 3, and can determine whether the group card number is the virtual card number I21 (step S38). If the group card number is not the virtual card number I21, it is represented as the card number of the general credit card; otherwise, if it is confirmed that the virtual card number I21 is transmitted from the POS device 3, the bank server 4 further further uses the virtual card number I21 and the consumption. The information is transmitted to the card number management server 2 (step S40). The card number management server 2 determines whether the virtual card number I21 has been registered (step S42). If the card number management server 2 determines that the virtual card number I21 has not been registered, indicating that the virtual card number I21 cannot be used, the card number is not used. The management server 2 replies with a transaction failure message to the bank server 4 and the POS device 3 (step S44).

If the card number management server 2 determines that the virtual card number I21 has been registered, indicating that the virtual card number I21 is indeed generated by the payment platform 1, the card number management server 2 transmits the virtual card number I21 and the consumption information. To the payment platform 1 (step S46). Thereby, the payment platform 1 can perform a decryption operation on the virtual card number I21 according to the encryption and decryption operation function to obtain the corresponding account number I11 and the password I12 of the account (step S48).

More specifically, if the payment platform 1 encrypts and calculates the virtual card number I21 and the card password I23 when the user 5 applies, the POS device 3 needs to accept the virtual card number I21 and the same at the time of transaction. The card password I23 is input, and upon verification, the payment platform 1 decrypts the virtual card number I21 and the card password I23 to obtain the corresponding account number I11 and the password I12 of the account. However, the above description is a preferred embodiment of the present invention, and the payment platform 1 can selectively calculate at least one of the virtual card number I21, the expiration date I22, and the card password I23 according to actual needs. First, for the user to use, but not limited.

After the payment platform 1 calculates the corresponding account number I11 and the password I12 of the account, the payment platform 1 can log into the account and confirm whether the balance in the account is sufficient to pay the amount of the transaction (steps) S50). More specifically, the payment platform 1 mainly compares the balance of the account with the consumption information to confirm whether the balance of the account is sufficient. If the balance in the account is insufficient to pay for the transaction, the payment platform 1 will reply the transaction failure message to the card number management server 2, the bank server 4, and the POS device 3 (step S44). If the balance in the account is sufficient to pay the transaction, the payment platform 1 can debit the account and authorize the payment action for the transaction (step S52), and then reply a transaction success message to the account. The card number management server 2, the bank server 4, and the POS device 3 (step S54).

With the technique of the present invention, as long as the user 5 makes an application to the payment platform 1 in advance, it is equivalent to having an additional credit card available for use. Moreover, as long as the balance or bonus point of the account in the payment platform 1 is sufficient, the user 5 can use the virtual card number I21 to conduct transactions in the domestic and foreign physical stores, which is quite convenient. It is worth mentioning that, in order to prevent the user 5 from forgetting the virtual card number I21 after the application, the payment platform 1 can further create a physical card for the user 5 according to the virtual card number I21. In this way, when the user 5 wants to use the virtual card number I21 to perform the payment operation, as in the case of using a general credit card, the user card may be delivered to the POS device 3 to perform a card swipe operation.

Continuing to refer to the sixth figure, a block diagram of a system according to a second preferred embodiment of the present invention. The difference from the foregoing embodiment is that, in this embodiment, the transaction system further includes a card number generating device 7, wherein the card number generating device 7 records the encryption and decryption operation function used by the payment platform 1, and the present embodiment In the example, the card number generating device 7 is mainly used to replace the payment platform 1 to calculate the virtual card number I21.

The card number generating device 7 can be a portable device authorized by the operator of the payment platform 1, and can be mainly sold to the user 5 or a physical store. In the foregoing embodiment, the user 5 needs to log in to the payment platform 1 in advance and apply to the payment platform 1 for the virtual card number I21. In this embodiment, the user 5 does not have to apply in advance, but when the transaction is required, the card number generating device 7 can immediately acquire the virtual card number I21.

Please refer to FIG. 7A and FIG. 7B simultaneously for the use of the card number generating device of the first preferred embodiment and the second preferred embodiment of the present invention. The card number generating device 7 mainly has a display screen 71 and a keyboard 72, and the keyboard 72 is provided with a numeric input key, a text input key and a symbol input key, and the user 5 can completely input the account number I11 through the keyboard 72. And the password I12. When the user 5 wants to conduct a transaction, the account number I11 and the password I12 of the account can be input into the card number generating device 7 through the keyboard 72, so that the card number generating device 7 can be based on the encryption and decryption operation function. An encryption operation is performed to obtain a corresponding set of the virtual card number I21. Moreover, the card number generating device 7 can further calculate the expiration date I22 and the card password I23 corresponding to the virtual card number I21, but is not limited thereto. Then, after the virtual card number I21 is generated, it is displayed on the display screen 71 to make the user 5 aware.

In this embodiment, the virtual card number I21 is generated immediately, and is not generated online by the payment platform 1, so registration to the card number management server 2 is not required. That is to say, the present embodiment is compared with the foregoing embodiment in terms of security for convenience.

When the user 5 conducts a transaction at the physical store, similar to the foregoing embodiment, the POS device 3 receives the input of the virtual card number I21, and transmits the virtual card number I21 and the consumption information generated by the transaction to The bank server 4 corresponding to the acquiring bank is transmitted by the bank server 4 to the card number management server 2, and finally transmitted by the card number management server 2 to the payment platform 1 for processing. As shown in the foregoing embodiment, the payment platform 1 decrypts the virtual card number I21 according to the encryption and decryption operation function to obtain the corresponding account number I11 and the password I12 of the account, and confirms the account. If the balance is sufficient to pay for the transaction, the result is returned to the card number management server 2, the bank server 4, and the POS device 3.

Referring to the eighth figure, a flow chart for manufacturing a card number generating device according to a first preferred embodiment of the present invention is shown. As described above, the present embodiment mainly generates and generates the virtual card number I21 by the card number generating device 7, so that the manufacturer must cooperate with the payment platform 1 and use the encryption and decryption operation function used by the payment platform 1. The card number generating device 7 is introduced (step S60). Next, the manufacturer can manufacture the corresponding number of the card number generating means 7 according to the demand (step S62), and finally sell the card number generating means 7 on the market (step S64). It is worth mentioning that the card number generating device 7 is mainly sold to the user 5, and is used by the user 5 to generate the virtual card number I21 when needed; otherwise, the card number generating device 7 can also be sold. Sold to a specific physical store, when the user 5 consumes in the physical store and pays through the balance in the account, the card store generating device 7 is provided by the physical store to make the user 5 Generate the virtual card number I21 and use it.

Referring to the ninth figure, a flow chart for generating a virtual card number according to a first preferred embodiment of the present invention is shown. Whether the user 5 owns the card number generating device 7 or uses the card number generating device 7 provided by the physical store, when the user 5 wants to use the balance in the account, the account is required to be The account number I11 and the password I12 are input into the card number generating device 7 (step S70), whereby the card number generating device 7 encrypts the account number I11 and the password I12 according to the encryption and decryption operation function to obtain Corresponding to the virtual card number I21 (step S72). More specifically, the expiration date I22 corresponding to the virtual card number I21 and the card password I23 may be simultaneously generated, but are not limited. Finally, the card number generating means 7 displays the virtual card number I21 (and the expiration date I22 and the card password I23) on the display screen 71 (step S74) to make the user 5 aware.

Next, please refer to the tenth figure, which is a payment flow chart of the second preferred embodiment of the present invention. The payment process of this embodiment is substantially the same as the foregoing embodiment. The main difference is that the virtual card number I21 is generated immediately, and registration is not required in the card number management server 2, so the card number management server 2 does not need to determine the virtual Has the card number I21 been registered, as detailed below.

When the user 5 wants to consume in the physical store (step S80), and the card number generating device 7 has obtained the virtual card number I21 corresponding to the account, the virtual card number I21 needs to be input into the POS device 3. Medium (step S82). After receiving the virtual card number I21, the POS device 3 determines which of the acquiring banks of the virtual card number I21 is from the first 6 codes of the virtual card number I21 (step S84), whereby the virtual card number I21 and the pen are used. The consumption information generated by the exchange is transmitted to the bank server 4 corresponding to the acquiring bank (step S86).

Next, the bank server 4 further determines whether the received card number is the virtual card number I21 (step S88), and if not, indicates that the card number is a card number of a general credit card; if so, the bank server 4 uses the virtual card number I21 and The purchase information is transmitted to the card number management server 2 (step S90), and is further transmitted to the payment platform 1 by the card number management server 2 (step S92). After receiving the virtual card number I21, the payment platform 1 decrypts the virtual card number I21 according to the encryption and decryption operation function to obtain the corresponding account number I11 and the password I12 of the account (step S94). Further, the payment platform 1 is able to log into the account and confirm whether the balance of the account is sufficient to pay for the transaction (step S96). If the balance of the account is insufficient to pay the transaction, the payment platform 1 replies the transaction failure message to the card number management server 2, the bank server 4, and the POS device 3 (step S98), indicating that the transaction cannot be performed. Established. On the other hand, if the balance of the account is sufficient to pay for the transaction, the payment platform 1 debits the account and authorizes the payment action for the transaction (step S100). Finally, the transaction success message is replied to the card number management server 2, the bank server 4 and the POS device 3, indicating that the transaction is established.

With the system and method of the present invention, the user can apply for a set of virtual card numbers corresponding to the account in advance if the user has an account in the payment platform 1 and the account has sufficient balance or bonus points. Or, when you want to make a purchase, apply for a set of virtual card numbers immediately. In this way, the virtual card number can be used to perform a payment action to apply the balance or bonus points in the account on the network to the entity transaction.

The above is only a preferred embodiment of the present invention, and is not intended to limit the scope of the present invention. Therefore, equivalent changes to the scope of the present invention are included in the scope of the present invention. Bright.

1. . . Third-party payment platform

11. . . Virtual card number application page

2. . . Card number management server

3. . . Endpoint sales equipment

4. . . Bank server

5. . . user

6. . . Computer device

7. . . Card number generating device

71. . . Display screen

72. . . keyboard

I1. . . Account information

I11. . . account number

I12. . . password

I2. . . Card information

I21. . . Virtual card number

I22. . . expiry date

I23. . . Card password

S10~S14. . . step

S20~S28. . . step

S30~S54. . . step

S60~S64. . . step

S70~S74. . . step

S80~S102. . . step

The first figure is a system block diagram of a first preferred embodiment of the present invention.

FIG. 2A is a schematic diagram of a card number application page according to a first preferred embodiment of the present invention.

FIG. 2B is a schematic diagram of a card number application page according to a second preferred embodiment of the present invention.

The third figure is a flow chart of an account application according to a first preferred embodiment of the present invention.

The fourth figure is a flow chart of a virtual card number application according to a first preferred embodiment of the present invention.

The fifth figure is a payment flow chart of the first preferred embodiment of the present invention.

Figure 6 is a block diagram of a system in accordance with a second preferred embodiment of the present invention.

Figure 7A is a schematic view showing the use of the card number generating device of the first preferred embodiment of the present invention.

Figure 7B is a schematic view showing the use of the card number generating device of the second preferred embodiment of the present invention.

Figure 8 is a flow chart showing the manufacture of the card number generating device of the first preferred embodiment of the present invention.

Figure 9 is a flow chart showing the generation of a virtual card number in accordance with a first preferred embodiment of the present invention.

The tenth figure is a payment flow chart of a second preferred embodiment of the present invention.

1. . . Third-party payment platform

2. . . Card number management server

3. . . Endpoint sales equipment

4. . . Bank server

5. . . user

I1. . . Account information

I2. . . Card information

Claims (20)

A trading system that applies virtual account balances to physical purchases, including:
A third-party payment platform manages at least one account, the account has an account number and a password, and the third-party payment platform records a encryption and decryption operation function for encrypting the account and the password, and obtaining a correspondence a set of virtual card numbers;
a card number management server, connected to the third party payment platform, accepting the registration of the virtual card number;
a point of sale (POS) device, disposed in a physical store, the terminal selling device accepting the input of the virtual card number when the user performs a transaction, and determining an acquiring bank of the virtual card number; a bank server corresponding to the acquiring bank, the virtual card number and a consumption information are received by the endpoint selling device, and transmitted to the card number management server for verification;
After the card number management server determines that the virtual card number has been registered, the virtual card number and the consumption information are transmitted to the third-party payment platform, and the third-party payment platform performs the virtual card number according to the encryption and decryption operation function. Decrypting the operation to obtain the account number and the password corresponding to the account, and confirming whether the balance in the account is sufficient to pay the transaction, and if the balance in the account is sufficient to pay the transaction, the third-party payment platform The account is debited and authorizes the payment action for the transaction. The transaction system of claim 1, wherein the virtual card number is a set of 16-code credit card numbers, and the endpoint selling device determines the acquiring bank of the virtual card number from the first 6 codes of the virtual card number. The transaction system of claim 2, wherein the account number of the account is a user's email address or mobile number. The transaction system of claim 2, wherein the encryption and decryption operation function is a Data Encryption Standard (DES) function, and the third-party payment platform passes a time-based One Time Password (OTP) is used as the encryption and decryption key of the DES function. The transaction system of claim 4, wherein the third party payment platform sets an expiration date for the virtual card number. The transaction system of claim 4, wherein the third-party payment platform encrypts the account number and the password according to the encryption and decryption operation function, and obtains the corresponding virtual card number and a card password, and the endpoint sales device Accepting the virtual card number and the input of the card password, and the third-party payment platform further decrypts the virtual card number and the card password according to the encryption and decryption operation function to obtain the corresponding account number and the password of the account. . A transaction method used by the transaction system of claim 2, comprising:
a) when the user conducts the transaction, the endpoint selling device accepts the input of the virtual card number;
b) the endpoint selling device determines the acquiring bank of the virtual card number from the first 6 codes of the virtual card number, and transmits the virtual card number and the consumption information to the bank server corresponding to the acquiring bank;
c) the bank server transmits the virtual card number and the consumption information to the card number management server;
d) the card number management server determines whether the virtual card number is registered;
e) if the virtual card number is registered, the card number management server transmits the virtual card number and the consumption information to the third party payment platform;
f) the third-party payment platform decrypts the virtual card number through the encryption and decryption operation function, and obtains the account number and the password corresponding to the account;
g) the third party payment platform confirms whether the balance in the account is sufficient to pay for the transaction; and
h) If the balance in the account is sufficient to pay for the transaction, the third party payment platform debits the account and authorizes the payment action for the transaction. The transaction method of claim 7, wherein the step a further comprises the following steps:
A01) register the account on the third party payment platform;
A02) setting the account number and the password of the account; and
A03) Perform a stored value action on the account. The transaction method of claim 8, wherein the step a further comprises the following steps:
A04) applying a set of virtual card numbers to the third party payment platform with the account number of the account and the password;
A05) the third-party payment platform encrypts the account and the password according to the encryption and decryption operation function to calculate the corresponding virtual card number;
A06) registering the virtual card number to the card number management server; and
A07) Reply to the virtual card number to the user. The transaction method of claim 9, further comprising a step i: if the balance in the account is insufficient to pay the transaction, the third party payment platform replies with a transaction failure message to the card number management server, the bank servo And the endpoint selling device. The transaction method of claim 9, further comprising a step j: if the balance in the account is sufficient to pay the transaction, the third-party payment platform replies with a transaction success message to the card number management server, the bank server And the endpoint sales device. A trading system that applies virtual account balances to physical purchases, including:
a third-party payment platform that manages at least one account, the account has an account number and a password, and the third-party payment platform records an encryption and decryption operation function;
a card number management server that connects to the third party payment platform;
a card number generating device records the encryption and decryption operation function for receiving the account number and the password, and computing a corresponding set of virtual card numbers according to the encryption and decryption operation function;
a point of sale (POS) device, disposed in a physical store, the terminal selling device accepting the input of the virtual card number when the user performs a transaction, and determining an acquiring bank of the virtual card number; a bank server corresponding to the acquiring bank, the virtual card number and a consumption information are received by the endpoint selling device, and transmitted to the card number management server for verification;
The card number management server transmits the virtual card number and the consumption information to the third-party payment platform, and the third-party payment platform decrypts the virtual card number according to the encryption and decryption operation function, and obtains the corresponding account. The account number and the password, and confirm whether the balance in the account is sufficient to pay the transaction. If the balance in the account is sufficient to pay the transaction, the third-party payment platform debits the account and authorizes the transaction. Make a payment action. The transaction system of claim 12, wherein the virtual card number is a 16-code credit card number, and the endpoint selling device determines the acquiring bank of the virtual card number from the first 6 codes of the virtual card number. The transaction system of claim 13, wherein the account number of the account is a user's email address or mobile number. The transaction system of claim 13, wherein the encryption and decryption operation function is a Data Encryption Standard (DES) function, and the third-party payment platform and the card number generation device are based on a time-based A time-based One Time Password (OTP) is used as the encryption and decryption key for the DES function. The transaction system of claim 13, wherein the card number generating device sets an expiration date for the virtual card number. The transaction system of claim 13, wherein the card number generating device encrypts the account number and the password according to the encryption and decryption operation function to obtain a corresponding virtual card number and a card password, and the endpoint selling device The virtual card number and the card password are accepted, and the third party payment platform decrypts the virtual card number and the card password according to the encryption and decryption operation function to obtain the corresponding account number and the password of the account. A transaction method as used in the transaction system of claim 13 comprising:
a) when the user conducts the transaction, the endpoint selling device accepts the input of the virtual card number;
b) the endpoint selling device determines the acquiring bank of the virtual card number from the first 6 codes of the virtual card number, and transmits the virtual card number and the consumption information to the bank server corresponding to the acquiring bank;
c) the bank server transmits the virtual card number and the consumption information to the card number management server, and the card number management server transmits the virtual card number and the consumption information to the third party payment platform;
d) the third-party payment platform decrypts the virtual card number through the encryption and decryption operation function, and obtains the account number and the password corresponding to the account;
e) the third party payment platform confirms whether the balance in the account is sufficient to pay for the transaction; and
f) If the balance in the account is sufficient to pay for the transaction, the third party payment platform debits the account and authorizes the payment action for the transaction. The transaction method of claim 18, wherein the step a further comprises the following steps:
A01) register the account on the third party payment platform;
A02) setting the account number and the password of the account;
A03) Perform a stored value action on the account;
A04) input the account number of the account and the password into the card number generating device; and
A05) The card number generating device performs an encryption operation on the account number and the password according to the encryption and decryption operation function to calculate the corresponding virtual card number. The transaction method of claim 19, further comprising the steps of:
g) if the balance in the account is insufficient to pay for the transaction, the third party payment platform replies with a transaction failure message to the card number management server, the bank server and the endpoint selling device;
h) If the balance in the account is sufficient to pay for the transaction, the third party payment platform replies with a transaction success message to the card number management server, the bank server and the endpoint selling device.