TW201933258A - Transaction system without card readers and method for operating transaction system without card readers - Google Patents

Abstract

A transaction system without card readers includes a transaction control device, an intermediate server, and a transaction receiving server. The transaction control device scans a barcode to derive transaction information and an internet address of the intermediate server, and transmits a connection message to the internet address of the intermediate server according to the transaction information. The intermediate server receives the connection message to build a connection to the transaction control device, obtains a transaction token and a transaction amount from the transaction control device through the connection, and transmits a transaction message according to the transaction token and the transaction amount. The transaction receiving server receives the transaction message to build a connection to the intermediate server, and transmits a transaction confirmation message to the intermediate server according to the transaction message after the transaction token is verified.

Description

Card-free transaction system and method for operating card-free transaction system

The invention relates to a card-free transaction system, in particular to a card-free transaction system that can use an intermediary server to simplify the hardware required by the client.

Although the paperless transaction mode provides consumers with a convenient choice, for many merchants, in order to provide a variety of paperless transactions, such as credit cards, smart cards (yo-yo cards) or mobile payment ... etc., often Different electronic devices need to be used to connect with financial providers that provide services. Because the equipment needs to bear additional costs and need to apply to the financial industry, it causes inconvenience to the merchant.

For example, in the prior art, in order to provide mobile payment services, such as Apple Pay provided by Apple and Samsung Pay provided by Samsung, merchants must additionally set up authorized card readers to read user storage The transaction code (token) in the mobile phone. In other words, the merchant must use a specific card reader to make transaction requests and verify with the remote financial server, so it is less flexible in use.

An embodiment of the present invention provides a card-free transaction system. The card-free transaction system includes a transaction control device, an intermediary server, and an acquiring server.

The transaction control device scans the barcode to obtain transaction information and the URL of the intermediary server, and sends a connection message to the URL of the intermediary server according to the transaction information. The intermediary server receives the connection message to establish a connection with the transaction control device, obtains the transaction code and transaction amount of the transaction control device through the connection, and sends the transaction message according to the transaction code and transaction amount. The acquiring server receives the transaction message to establish a connection with the intermediary server, and after the transaction code verification is completed, generates a transaction confirmation message according to the transaction message to the intermediary server.

Another embodiment of the present invention provides a method of operating a card-free transaction system. The card-free transaction system includes a transaction control device, an intermediary server and an acquiring server.

The method for operating the card-free transaction system includes the transaction control device scanning barcodes to obtain transaction information and the intermediary server URL. The transaction control device sends a connection message to the intermediary server URL based on the transaction information, and the intermediary server receives the connection message to create The connection with the transaction control device, the intermediary server obtains the transaction code and transaction amount of the transaction control device through the connection, the intermediary server sends out the transaction message according to the transaction code and the transaction amount, and the acquiring server receives the transaction message to establish the intermediary server After the transaction code is verified, the acquiring server generates a transaction confirmation message to the intermediary server according to the transaction message.

FIG. 1 is a schematic diagram of a card-free transaction system 100 according to an embodiment of the invention. The card-free transaction system 100 includes a transaction control device 110, an intermediary server 120, and an order acquisition server 130.

In some embodiments of the present invention, the transaction control device 110 may be a smart phone or a tablet computer. When the user wants to use the transaction control device 110 to make an online payment, the transaction control device 110 can be used to scan the barcode provided by the merchant to obtain the transaction information and the intermediary server URL. The information sends a connection message M1 to the intermediary server URL. In some embodiments of the present invention, the barcode provided by the merchant may be, for example, a one-dimensional barcode or a two-dimensional barcode.

After receiving the connection message M1, the intermediary server 120 may further establish a connection with the transaction control device 110, and obtain the transaction code (token) and transaction amount of the transaction control device 110 through the connection. In some embodiments of the invention, the transaction code corresponds to the credit card number bound by the user. For example, the card-free transaction system 100 can use a specific code service technology to convert a credit card number into a corresponding transaction code, and the transaction code can be, for example, a virtual digital account number or a code that can be safely stored in a mobile device. The companies currently providing this code service technology include VISA International or Mastercard International. In other words, after the user binds the credit card to the transaction control device 110, the user can connect to the intermediary server 120 through the network to execute the transaction.

After obtaining the transaction code and transaction amount, the intermediary server 120 may send the transaction message M2 to the acquiring server 130 according to the transaction code and transaction amount. The acquiring server 130 can receive the transaction message M2 to establish a connection with the intermediary server 120, and after the transaction code verification is completed, generate a transaction confirmation message M3 to the intermediary server 120 according to the transaction message M2.

In some embodiments of the present invention, the acquiring server 130 may be established by a company that provides mobile payment services, such as Apple Inc., which provides Apple Pay, or Samsung, which provides Samsung Pay. In the prior art, the merchant will use a card reader to read the transaction code corresponding to the bound credit card in the mobile phone by Near Field Communication (NFC), and the card reader will connect to the acquiring server 130 for subsequent transactions. In order to ensure the security of the transaction, the communication between the acquiring server 130 and the card reader will require specific information and be performed in a specific format. In this embodiment, after obtaining the transaction code and transaction amount, the intermediary server 120 can simulate the behavior of the card reader to establish a connection with the acquiring server 130, that is, the intermediary server 120 actually The transaction format of the card reader transmits the transaction code to the acquiring server 130.

Through the intermediary server 120, the merchant does not need to additionally set up a card reader in order to provide the mobile payment function, so it can simplify the required hardware equipment. In addition, the intermediary server 120 may also include a memory to store the transaction message M2 for users to query and confirm in the future.

In the embodiment of FIG. 1, in order to complete the verification of the transaction code, the card-free transaction system 100 may further include a code analysis server 140, a credit card transaction server 150 and a credit card center server 160. The credit card center server 160 may be set up by, for example, a domestic credit card organization, such as a joint credit card center. The credit card center server 160 may transmit the transaction code TKN transmitted from the order receiving server 130 to the code analysis server 140.

The code analysis server 140 can parse the transaction code TKN to obtain the credit card number CN. For example, the code parsing server 140 can be set up by a company or organization that provides code service technology, so the transaction code TKN can be restored back to the corresponding credit card number CN. Then, the code parsing server 140 can return the credit card number CN to the credit card center server 160, and the credit card center server 160 sends the credit card number CN to the corresponding credit card transaction server 150 for verification.

In other words, the credit card center server 160 can know the issuing company of the credit card based on the credit card number CN, and transmit the credit card number CN to the credit card transaction server 150 established by the credit card issuing company. In this way, the credit card transaction server 150 can verify the credit card issued by itself, and after the verification of the credit card number CN is completed, process the transaction corresponding to the transaction message M2.

In addition, in some embodiments of the present invention, the credit card center server 160 may also send the credit card number CN to the code resolution server 140, and the code resolution server 140 will re-encode the credit card number CN into the transaction code TKN, and The transaction code TKN is transmitted to the credit card center server 160. Then, the credit card center server 160 can send the transaction code TKN to the acquiring server 130 to confirm the completion of the transaction. As a result, neither the acquiring server 130 nor the merchant can obtain the real credit card number CN, so the mobile payment process can be made more secure.

FIG. 2 is a flowchart of a method 200 for operating a card-free transaction system 100 according to an embodiment of the invention. The method 200 includes steps S210 to S270.

S210: The transaction control device 110 scans the barcode to obtain transaction information and the URL of the intermediary server;

S220: The transaction control device 110 sends a connection message M1 to the intermediary server URL according to the transaction information;

S230: The intermediary server 120 receives the connection message M1 to establish a connection with the transaction control device 110;

S240: The intermediary server 120 obtains the transaction code and transaction amount of the transaction control device 110 through a connection;

S250: The intermediary server 120 sends a transaction message M2 according to the transaction code and transaction amount;

S260: The acquiring server 130 receives the transaction message M2 to establish a connection with the intermediary server 120;

S270: After the verification of the transaction code TKN is completed, the acquiring server 130 generates a transaction confirmation message M3 to the intermediary server 120 according to the transaction message M2.

Through the method 200, the merchant does not need to additionally set up a card reader in order to provide a mobile payment function, so it can simplify the required hardware equipment and increase the flexibility of providing services.

FIG. 3 is a flowchart of steps for verifying the transaction code TKN in the method of operating the card-free transaction system 100. In FIG. 3, the verification transaction code TKN may include steps S310 to S390.

S310: The credit card center server 160 transmits the transaction code TKN transmitted from the acquiring server 130 to the code analysis server 140;

S320: The code analysis server 140 parses the transaction code TKN to obtain the credit card number CN;

S330: The credit card center server 160 transmits the credit card number CN to the credit card transaction server 150;

S340: The credit card transaction server 150 verifies the credit card number CN;

S350: The credit card transaction server 150 processes the transaction corresponding to the transaction message M2;

S360: The credit card center server 160 transmits the credit card number CN to the code analysis server 140;

S370: The code analysis server 140 encodes the credit card number CN into the transaction code TKN;

S380: The code analysis server 140 transmits the transaction code TKN to the credit card center server 160;

S390: The credit card center server 160 transmits the transaction code TKN to the acquiring server 130 to confirm the transaction.

Through steps S310 to S390, the card-free transaction system 100 can verify the transaction code TKN online, and at the same time, it can prevent the merchant from obtaining the credit card number CN and the information of the credit card person and increase the security of mobile payment.

In summary, the card-free transaction system and the method for operating the card-free transaction system provided by the embodiments of the present invention can use an intermediary server to replace the card reader, so that the merchant does not need to additionally set up a card reader. It can still provide mobile payment services, simplify hardware devices, and increase service flexibility.
The above are only the preferred embodiments of the present invention, and all changes and modifications made within the scope of the patent application of the present invention shall fall within the scope of the present invention.

100‧‧‧Card-free transaction system

110‧‧‧Transaction control device

120‧‧‧Mediation server

130‧‧‧Acquisition server

140‧‧‧Code analysis server

150‧‧‧Credit card transaction server

160‧‧‧Credit card server

M1‧‧‧Connect message

M2‧‧‧Transaction information

M3‧‧‧ Transaction confirmation message

TKN‧‧‧Transaction code

CN‧‧‧Credit card number

200‧‧‧Method

S210 to S270, S310 to S390 ‧‧‧ steps

FIG. 1 is a schematic diagram of a card-free transaction system according to an embodiment of the invention.

FIG. 2 is a flowchart of a method of operating the card-free transaction system of FIG. 1 according to an embodiment of the invention.

Figure 3 is a flowchart of the steps of verifying the transaction code in the method of Figure 2.

Claims (12)

A card-free transaction system, including: A transaction control device, used to scan a code to obtain a transaction information and an intermediary server URL, and send a connection message to the intermediary server URL based on the transaction information; An intermediary server for receiving the connection message to establish a connection with the transaction control device, obtaining a transaction code and a transaction amount of the transaction control device through the connection, and according to the transaction code and the transaction A transaction message for the amount; and An acquiring server is used to receive the transaction message to establish a connection with one of the intermediary servers. After verification of the transaction code is completed, a transaction confirmation message is generated according to the transaction message to the intermediary server. The card-free transaction system according to claim 1, wherein the transaction control device is a smart phone or a tablet computer. The card-free transaction system as described in claim 1, wherein the intermediary server further includes a memory for storing the transaction information. The card-free transaction system as described in claim 1, wherein the transaction code corresponds to a credit card number. The card-free transaction system described in claim 4 additionally includes: A code parsing server for parsing the transaction code to obtain the credit card number; A credit card transaction server for verifying the credit card number and processing a transaction corresponding to the transaction message; and A credit card center server for transmitting the transaction code transmitted from the acquiring server to the code parsing server, and transmitting the credit card number to the credit card transaction server for verification. The card-free transaction system as described in claim 5, wherein: The credit card center server is also used to send the credit card number to the code resolution server; The code parsing server is also used to encode the credit card number into the transaction code, and transmit the transaction code to the credit card center server; and The credit card center server transmits the transaction code to the acquiring server to confirm the transaction. The card-free transaction system as described in claim 1, wherein: The intermediary server transmits the transaction code to the acquiring server according to a card reader communication format. A method for operating a card-free transaction system. The card-free transaction system includes a transaction control device, an intermediary server, and an acquiring server. The method includes: The transaction control device scans a bar code to obtain a transaction information and an intermediary server URL; The transaction control device sends a connection message to the intermediary server URL according to the transaction information; The intermediary server receives the connection message to establish a connection with one of the transaction control devices; The intermediary server obtains a transaction code and a transaction amount of the transaction control device through the connection; The intermediary server sends a transaction message according to the transaction code and a transaction amount; The acquiring server receives the transaction message to establish a connection with one of the intermediary servers; and After the verification of the transaction code is completed, the acquiring server generates a transaction confirmation message to the intermediary server according to the transaction message. The method according to claim 8, wherein the transaction code corresponds to a credit card number. The method according to claim 9, wherein the card-free transaction system further includes a code analysis server, a credit card transaction server, and a credit card center server, the method further includes: The credit card center server transmits the transaction code transmitted from the acquiring server to the code analysis server; The code analysis server parses the transaction code to obtain the credit card number; The credit card center server transmits the credit card number to the credit card transaction server; The credit card transaction server verifies the credit card number; and The credit card transaction server processes a transaction corresponding to the transaction message. The method as described in claim 10 additionally includes: The credit card center server sends the credit card number to the code resolution server; The code parsing server encodes the credit card number into the transaction code; The code parsing server transmits the transaction code to the credit card center server; and The credit card center server transmits the transaction code to the acquiring server to confirm the transaction. The method according to claim 8, wherein the intermediary server sends the transaction message according to the transaction code and the transaction amount, the intermediary server sends the transaction code to the acquiring server according to a card reader communication format.