TW201519135A - Merchandise transaction system and method thereof - Google Patents

Abstract

The present invention relates to a merchandise transaction system and a method thereof, which allow a consumer to use a mobile communication device as a medium for payment by having it transmit a purchase message that does not include personal financial account information to a back server in a bank side. The bank then issues a transaction certificate message to the mobile communication device of the consumers for confirmation and to a store transaction device possessed by a store that sells merchandise to inform the store of the conclusion of the transaction. With the present invention, the financial account information of the user is kept in the bank server during the process of transaction and the risk of being stolen and unauthorized use by a third party can be eliminated.

Description

Commodity trading system and method thereof

The present invention relates to a commodity trading system and method thereof, and more particularly to a commodity trading system and method for allowing a consumer's financial account to flow out of a 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, which uses a composite personal identification chip combined with a mobile phone to store credit card information, but this method must be Certain telecommunications operators collaborate to use pre-identified special SIM cards, so consumers may need to switch to their carriers to use them.

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 and its method to assist in not using cash. The electronic trading can get a good development space.

The main object of the present invention is to provide a commodity trading system and a method thereof, which can prevent a consumer's financial account information from flowing out of a bank server, and promote the security of the transaction behavior to have a sufficient guarantee basis, which is beneficial to strengthening Consumer confidence in the use of electronic transactions.

Another object of the present invention is to provide a merchandise transaction system and method thereof, which enable consumers to conveniently use existing portable electronic products to complete the payment of the price, while the collection of the store that sells the merchandise is also It is guaranteed under the operation of the present invention.

Still another object of the present invention is to provide a merchandise transaction system and method thereof that are highly operative in a store that can operate in a physical store, or in a virtual store or a store that conducts sales through a trading platform.

In order to achieve the above object, the present invention discloses a commodity trading system and method thereof, which comprises: a mobile communication device on a hardware structure; and a banking server that transmits and receives messages to the mobile communication device, One of the bank server storage units stores one of the financial account numbers bound by the mobile communication device; wherein the mobile communication device sends a purchase message to the bank server, and the bank server receives the purchase message, Linking the purchase message to the financial account, generating a transaction voucher message, and simultaneously transmitting the transaction voucher message to the mobile communication device and a store transaction device. 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‧‧‧ Purchase message

61‧‧‧Mobile communication device coding

62‧‧‧ commodity amount

63‧‧‧ Quantity of goods

64‧‧‧Store code

65‧‧‧Electronic shopping password

7‧‧‧Transaction voucher message

71‧‧‧Encryption code

S1~S5‧‧‧Steps

The first figure is a schematic diagram of the hardware layout of the present invention;
Second: it is a flow chart of the steps of the method of the present invention;
The third drawing is a schematic diagram of the message transmission of the present invention; and the fourth figure is a schematic diagram of another preferred embodiment of the present invention having a trading platform.

For a better understanding and understanding of the features and advantages of the present invention, the preferred embodiments and the detailed description are described as follows:

First, please refer to the first figure, which discloses the structural layout of the present invention, 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 can be located at the other remote end or adjacent to the consumer terminal, and there is also a message connection with the bank server 2, and the connection path is not limited to wireless transmission or Network transmission.

Based on the hardware structure layout shown in the first figure, please refer to the second figure in the method of operation, which includes the steps:

Step S1: inputting a commodity amount, a product quantity, and a store code in a mobile communication device;

Step S2: the mobile communication device sends a purchase message to a banking server;

Step S3: the bank server confirms one financial account bound to the mobile communication device;

Step S4: the bank server generates a transaction voucher message;

Step S5: The bank server sends the transaction credential message to the mobile communication device and a store transaction device.

In the present invention, the mobile communication device 1 held by the consumer is convenient to carry, and 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 by the present invention plays a role in the consumer's desire to pay the bill, so that the procedure with risk on the transaction can be effectively avoided.

In the operation of the present invention, the consumer obtains the information of the product 4 to be purchased by using the mobile communication device 1 held by the consumer, including the amount of the product of the product 4, and the information such as the store code of the store selling the product 4. Since the mobile communication device 1 has the scanning module 12, it is possible to quickly obtain the desired message by reading the two-dimensional barcode or QR code (Quick Response Code) attached to the product 4. If the product 4 does not provide the barcode, the consumer can manually input the amount of the product, the number of the product, the store code, and the like by using the input module 13 through the micro-app (APP) running on the mobile communication device 1. In place of the aforementioned scanning function.

After the user obtains the information, please refer to the third figure, and then use the related application of the mobile communication device 1 to transmit the purchase message 6 to the remote bank server 2 through the wireless transmission module 11. The purchase message 6 includes a mobile communication device code 61 in addition to the commodity amount 62, the product number 63, and the store code 64 of the pre-purchased item 4, so that the remote bank server 2 can identify who Transfer this purchase message 6.

After receiving the purchase message 6, the bank server 2 will process the corresponding service according to the type of service preset by the consumer and the bank beforehand. 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 in the bank. When the purchase message 6 is received by the bank server 2, the bank server 2 will encode the mobile communication device included in the purchase message 6. View the financial account associated with it as a tag.

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 will use the account balance (such as financial card information, checking account data) or the credit limit (such as credit card information) of the financial account, and the total purchase amount in the received purchase message, that is, the amount of the commodity. Compare with the product of the number of commodities. If the amount of money available for account balance or credit limit is greater than the total purchase amount, which means that the consumer is able to pay for the transaction, a transaction voucher message 7 is generated to confirm that the transaction is established.

The transaction voucher message 7 is confirmed by the bank server 2 to the mobile communication device 1 of the consumer and the store transaction device 3 bound to the store code 64 included in the purchase message 6, and the consumer can use the transaction voucher message. 7 is the evidence of payment, and after the store that sells the target product 4 is checked, the subsequent delivery procedure such as shipment is performed; or the transaction voucher message 7 may directly contain the purchase information of the purchaser, so that the store receives the product. After the transaction voucher message 7, the shipment can be made directly. In addition, the transaction voucher message 7 is also the basis for the store to make a request to the bank.

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 major cause of the invention.

In order to further improve the security of the transaction, the present invention further includes an electronic shopping password 65 in the purchase message 6 when the consumer uses the mobile communication device 1 to send the purchase message 6 to the bank server 2, so that the bank server 2 is in the judgment. When the transaction is established, in addition to confirming the account balance or the credit limit, the electronic shopping password 65 will be compared with the verification lock set by the consumer in advance for the financial account, so that the verification lock is unlocked. The transaction voucher message 7 can be made.

Similarly, when the bank server 2 sends the transaction voucher message 7 to the store transaction device 3, an encryption code 71 can be further added, which is a security mechanism preset by the bank and the store when installing the invention, which allows the store The transaction device 3 decrypts and confirms that the transaction voucher message 7 it received is truly from the bank, and thus confirms that the transaction is 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 fourth figure, the purchase message transmitted by the mobile communication device 1 will be sent to the transaction platform 5 first, and after the transaction platform 5 receives the purchase message, it will be sent to the bank server 2 The deduction process is performed, and then the bank voucher 2 sends a transaction voucher message to the consumer's mobile communication device 1 and the store's store transaction device 3.

In the event that the personal data is leaked and the credit card is stolen due to the purchase of the item through the trading platform, the transaction platform does not handle or contact any financial account under the application of the commodity trading system of the present invention. It is only the intermediary unit of the buyer and the seller that obtains the reward for providing the platform by purchasing the information, which greatly improves the security of shopping through the trading platform.

In summary, the present invention discloses a commodity trading system in detail, 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 Strengthening consumers' confidence in the use of electronic transactions; based on the hardware arrangement and message transmission application disclosed by the present invention, consumers can conveniently use existing portable electronic products to complete the payment of price, and sell the goods of the store. Collections are also guaranteed. In summary, the present invention undoubtedly provides a commodity trading system that fully demonstrates practical value.

The above is only 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 claims of the present invention. All should be included in the scope of the patent application of the present invention.

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 (17)

A commodity trading system comprising:
a mobile communication device; and a banking server that transmits and receives a message to the mobile communication device, wherein the storage unit of the banking server stores a financial account number bound by the mobile communication device; wherein The mobile communication device sends a purchase message to the bank server, and after receiving the purchase message, the bank server connects the purchase message to the financial account, generates a transaction voucher message, and simultaneously sends the transaction voucher message to the mobile communication device. And a store trading device. 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 trading system of claim 1, wherein the mobile communication device comprises a scanning module. The commodity trading system of claim 4, wherein the mobile communication device uses the scanning module to read an item amount before sending the purchase message to the bank server. The commodity trading system of claim 1, wherein the purchase message comprises a mobile communication device code, a commodity amount, a product quantity, and a store code. The commodity trading system of claim 6, wherein the purchase message further comprises an electronic shopping password. The commodity trading system of claim 6, wherein the store code is tied to the store transaction device. 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 purchase message to the transmission path of the bank server, further comprising a transaction platform, after receiving the purchase message, the transaction platform Sent to the bank server. The commodity trading system of claim 1, wherein the one of the transaction voucher information is generated by the financial account having one account balance or one credit amount greater than one of the purchase information and one commodity The product of the quantity. The commodity trading system of claim 11, wherein the generating condition further comprises that the electronic shopping password included in the purchase message conforms to one of the verification keys included in the financial account. The merchandise transaction system of claim 1, wherein the transaction voucher message includes an encryption code, and the store transaction device decrypts the encryption code to confirm that the transaction is established. A method of a commodity trading system comprising the steps of:
a mobile communication device sends a purchase message to a banking server;
The bank server confirms one of the financial account numbers bound to the mobile communication device;
The bank server generates a transaction voucher message; and the bank server sends the transaction voucher message to the mobile communication device and a store transaction device. The method of claim 14, wherein before the step of transmitting the purchase message to the bank server by the mobile communication device, the method further comprises: inputting a commodity amount, a product quantity, and a store code in the Mobile communication device. The method of claim 15, wherein the amount of the item, the quantity of the item, and the store code are entered through a scanning module included in the mobile communication device. The method of claim 14, wherein in the step of the mobile communication device transmitting the purchase message to the bank server, the mobile communication device first sends the purchase message to a transaction platform, and the transaction platform receives After the purchase message, it is sent to the bank server.