TW202101324A - Method for electronic trading examination and system for electronic trading - Google Patents

Abstract

A method for electronic trading examination embodied by an electronic trading system includes: (A) Upon receiving a new account registering request, comparing the new account registering request with warning account data and calculating multiple comparing results which indicate the similarity between the new account registering request and the corresponding warning account data, determining whether approving the new account registering request according to the highest similarity comparing result. (B) Upon receiving an electronic trading request, determining whether approving the electronic trading request by determining whether two trading records corresponding to a payer account and a recipient account conforming to any warning condition.

Description

Electronic transaction checking method and electronic transaction system

The invention relates to an electronic transaction verification method and an electronic transaction system, in particular to an electronic transaction verification method and an electronic transaction system involving network communication technology.

In recent years, businesses such as e-commerce, telecommunications, banks, supermarkets, games and mobile devices have successively launched their own electronic payment tools, and with the vigorous promotion of various businesses, the use of electronic payment tools for electronic transactions has gradually universal.

For users, after registering an electronic payment account for an electronic payment tool, it is usually necessary to bind the electronic payment account with the bank's financial account or credit card, that is, link the electronic payment account with the bank's back-end system . Then, after the binding is completed, the user can enjoy the multiple functions of the electronic payment tool, such as using an electronic payment account to make on-site purchases at a physical store, online shopping at an online store (that is, generating an online order), or Transfer money directly from their electronic payment account, etc.

However, on the other hand, the convenience of electronic payment tools may also be used by interested parties. For example, interested parties may steal other people’s information to register an electronic payment account, and then use their electronic payment account as a tool for fraudulent fraud. Preventing the improper use of electronic payment tools has become the main issue of this case.

Therefore, one of the objectives of the present invention is to provide an electronic transaction verification method that can improve the shortcomings of the prior art.

The electronic transaction checking method of the present invention is implemented by an electronic transaction system that stores a warning account list, multiple transaction record data corresponding to multiple electronic payment accounts, and one or more related transaction records data The warning condition of the warning account list includes one or more warning account data, each warning account data corresponds to a warning electronic payment account and contains multiple reference materials related to the warning electronic payment account; the electronic transaction verification method Contains: (A) When the electronic transaction system receives a new account registration request generated by a user and containing multiple registration data, compare the registration data with the reference data of each alert account data And calculate one or more comparison results respectively corresponding to (etc.) warning account data, and each comparison result indicates the difference between the registration data and the reference data of the warning account data corresponding to the comparison result The electronic transaction system determines whether to establish a new electronic payment account according to the new account registration request based on the comparison result of the target with the highest degree of similarity indicated in the comparison result; (B) When When the electronic transaction system receives an electronic transaction request including a payee account number and a payee account account, it determines that the transaction record data corresponds to the payee’s electronic payment account and the payee’s electronic payment. Whether the two target transaction record data of the account meets any of the warning conditions (etc.), when the electronic transaction system determines that the two target transaction record data does not meet any of the warning conditions (etc.) At this time, the electronic transaction system grants the electronic transaction request to execute an electronic transaction indicated by the electronic transaction request; otherwise, the electronic transaction system does not grant the electronic transaction request and outputs a transaction failure notification.

In some implementation aspects of the electronic transaction verification method of the present invention, in step (A), each comparison result is a numerical value, and when the electronic transaction system determines that the target comparison result is greater than or equal to a first When the threshold value is reached, the electronic transaction system does not grant the new account registration request and outputs a registration failure notification to the user terminal. When the electronic transaction system determines that the target comparison result is less than or equal to a first threshold value lower than the first threshold value At the second threshold, the electronic transaction system grants the new account registration request to establish the new electronic payment account, and the electronic transaction system also generates and stores a pair of account data that should be created for the new electronic payment account. When the electronic transaction system determines When the target comparison result is between the first threshold and the second threshold, the electronic transaction system grants the new account registration request to create the new electronic payment account and generate the account data, and the electronic transaction system The account information is also added to a follow-up tracking list.

In some implementation aspects of the electronic transaction verification method of the present invention, in step (A), the account information includes the registration information of the new account registration request.

In some implementation aspects of the electronic transaction verification method of the present invention, the reference materials of each alert account data are respectively an Internet protocol address and an email address used when the corresponding alert electronic payment account is registered. Address, and a financial account number for refund, and, in step (A), the registration information is another Internet protocol address, another email address, and another financial account for refund Account account number.

Another object of the present invention is to provide an electronic transaction system capable of implementing the electronic transaction verification method.

The electronic transaction system of the present invention includes a transaction server terminal and a verification server terminal electrically connected to the transaction server terminal. The verification server stores a list of alert accounts, multiple transaction record data corresponding to multiple electronic payment accounts, and one or more alert conditions related to the transaction record data. The alert account list contains one or more transactions. Alert account data, each alert account data corresponds to a alert electronic payment account and contains multiple reference data related to the alert electronic payment account. When the electronic transaction system receives a new account registration request that is generated by a user and contains multiple registration data, it compares the registration data with the reference data of each alert account data to calculate an or Multiple comparison results respectively corresponding to (etc.) warning account data, each comparison result indicates the similarity between the registration data and the reference data of the warning account data corresponding to the comparison result, the The electronic transaction system determines whether to establish a new electronic payment account according to the new account registration request according to the target comparison result with the highest degree of similarity indicated in the comparison result(s). When the electronic transaction system receives an electronic transaction request containing a payee account number and a payee account account, it determines that the transaction record data corresponds to the payee’s electronic payment account and the payee’s electronic payment account. Whether the two target transaction record data of the payment account meets any of the warning conditions (etc.), when the electronic transaction system determines that the two target transaction record data does not meet any of the warning conditions (etc.) In case of failure, the electronic transaction system grants the electronic transaction request to execute an electronic transaction indicated by the electronic transaction request; otherwise, the electronic transaction system does not grant the electronic transaction request and outputs a transaction failure notification.

In some embodiments of the electronic transaction system of the present invention, each comparison result is a numerical value, and when the electronic transaction system determines that the target comparison result is greater than or equal to a first threshold value, the electronic transaction system does not Grant the new account registration request and output a registration failure notification to the user end. When the electronic transaction system determines that the target comparison result is less than or equal to a second threshold value lower than the first threshold value, the electronic transaction system The new electronic payment account is established when the new account registration request is granted, and the electronic transaction system also generates and stores a pair of account data that should be created for the new electronic payment account. When the electronic transaction system determines that the target comparison result is between the first When between a threshold value and the second threshold value, the electronic transaction system allows the new account registration request to create the new electronic payment account and generate the account information, and the electronic transaction system also adds the account information to a follow-up tracking List.

In some implementation aspects of the electronic transaction system of the present invention, the account information includes the registration information of the new account registration request.

In some implementations of the electronic transaction system of the present invention, the reference data of each alert account data is an Internet protocol address and an email address used when the corresponding alert electronic payment account is registered. , And a financial account account for refund, and the registration information is another Internet protocol address, another email address, and another financial account account for refund.

The effect of the present invention is that the electronic transaction system can compare the similarity between the registration data and the reference data of each alert account data to generate a specific comparison result, and then compare the target with the highest value. The result of determining whether to allow the new account registration request to create the new electronic payment account, because interested parties may register multiple electronic payment accounts with similar information to commit illegal acts, so the electronic transaction system can compare the new account registration The degree of similarity between the request and the alert account information is used to prevent possible impersonation registration.

Before the present invention is described in detail, it should be noted that the "electrical connection" mentioned in this patent specification refers to a wired electrical connection between multiple electronic devices/devices/components connected through conductive materials, and through wireless communication Technology for radio connection for wireless signal transmission. Moreover, the “electrical connection” mentioned in this patent specification also refers to the “direct electrical connection” formed by the direct connection between two electronic equipment/devices/components, and the “direct electrical connection” between two electronic equipment/devices/components "Indirect electrical connection" formed by connecting other electronic equipment/devices/components.

1, an embodiment of the electronic transaction system 1 of the present invention belongs to a banking institution, for example, and the electronic transaction system 1 includes, for example, a transaction server 11 and a verification server 12 electrically connected to the transaction server 11 .

In this embodiment, the verification server 12 stores a list of alert accounts, multiple transaction record data, and multiple alert conditions related to the transaction record data.

In this embodiment, the alert account list includes multiple alert account data, and each alert account data is, for example, collected by courts, procuratorial units, judicial units, competent authorities of financial institutions, joint credit investigation centers, or credit card processing centers. Provided, and each alert account information corresponds to, for example, an alert electronic payment account with illegal or other bad records (for example, it is registered by a person who intends to conduct illegal activities by impersonation), but it is not limited to this. In more detail, in this embodiment, each alert account data includes, for example, a registration time and three reference data used when the alert electronic payment account was registered. For the convenience of description, the three reference materials are used as a first reference material, a second reference material, and a third reference material. More specifically, in this embodiment, each first reference material is, for example, an Internet protocol address, and for example, an electronic device (for example, a computer or a mobile phone) is used to register the corresponding warning electronic payment The Internet Protocol Address (English: Internet Protocol Address) on the Internet when the account is used. Each second reference material is, for example, an email address used when the corresponding warning electronic payment account is registered. Each third reference material is, for example, a refund financial account account used when the corresponding warning electronic payment account is registered, but it is not limited to this. It is supplemented that, based on the functions of electronic payment and how to use it, the email address and the account number of the financial account for refund are necessary information when registering an electronic payment account.

In this embodiment, each transaction record data includes, for example, one or more transaction records, and each transaction record includes, for example, the account number, location, IP address, time, product, and amount of the transaction according to the type of transaction. , Results, authentication methods and refund records and other information.

In more detail, each transaction record may be, for example, a transfer transaction record or a payment transaction record, and each payment transaction record may be, for example, a counter payment transaction record or an online payment transaction record. In this embodiment, each transfer transaction record includes, for example, a transfer-out account account, a transfer-in account account number, a transfer amount, a transfer time, a transfer-out device IP address, a transfer transaction authentication method, and a transfer Transaction results, etc. On the other hand, each counter payment transaction record includes, for example, a counter payment location, a counter payment product, a counter payment store, a counter payment time, a counter payment amount, and a counter payment result, etc. . On the other hand, each online payment transaction record includes, for example, an online payment order number, an online payment order amount, an online payment order product, an online payment order establishment time, an online order placement device IP address, and an online payment Payment account number, online payment payment amount, online payment payment time, and online payment payment results, etc. In addition, some of these online payment transaction records also include online payment refund application time and online payment Refund amount, a refund credit time and a refund credit account number.

In addition, it is worth noting that part of the transaction record data is, for example, multiple alert account transaction record data, and the alert account transaction record data corresponds to the alert electronic payment account, for example. In other words, the transaction record data of the warning account is the record of the warning electronic payment account being used for various electronic transactions. On the other hand, another part of the transaction record data is, for example, a plurality of normal account transaction record data, and the normal account transaction record data corresponds to a plurality of transactions created by the electronic transaction system 1 and An electronic payment account in normal use, but not limited to this.

In this embodiment, each warning condition is generated by, for example, the checking server 12 in advance summarizes and counts the transaction record data of the warning account according to a transaction pattern induction analysis algorithm, and each warning condition is, for example, It represents the relatively common behavior pattern of such warning electronic payment accounts in transfer or payment transactions. For example, for each transaction record data, a first warning condition among the warning conditions is, for example, "The IP address of the transfer device (or the IP address of the online order device) belongs to the domestic IP address, and the average weekly The number of transfer transactions is greater than or equal to M times, the number of successful transfer transactions is greater than or equal to N times, and there are more than P different transfer-out account accounts (it can also be transfer-in account accounts or online payment-in-account accounts)", A second warning condition in the warning conditions is, for example, "The IP address of the online ordering device belongs to an overseas IP, the average number of payment transactions per week is greater than or equal to X, the number of refunds of online payment transactions is greater than or equal to Y, and the refund The holder of the account account is different from the holder of the electronic payment account used for online payment transactions", and a third warning condition among these warning conditions is, for example, "the average monthly online payment order quantity is greater than or equal to Z , And the total refund amount of the online payment transaction is less than the total payment amount of the online payment transaction", but it is not limited to this.

It is added that, in this embodiment, the transaction server 11 and the verification server 12 are each implemented by a single server. However, in other embodiments, the transaction server 11 and the verification server 12 At least one of the servers 12 can also be implemented, for example, by multiple servers electrically connected to each other. Specifically, the implementation of the transaction server 11 and the verification server 12 can be based on requirements such as cost and computing performance. It is free to adjust, and is not limited to this embodiment. Moreover, in other embodiments, the alert account list may also include only a single alert account data, and the check server 12 may also store only one alert condition, and is not limited to this embodiment.

The following exemplarily describes in detail how the electronic transaction system 1 of this embodiment implements an electronic transaction verification method. In this embodiment, the electronic transaction verification method includes an account registration verification process and a transaction account verification process. Refer to Figure 1 and Figure 2 at the same time, the following first describes the account registration verification process.

First, in step S11, the verification server 12 receives a new account registration request from a user terminal 5 via a communication network. The communication network may be, for example, the Internet, and the user terminal 5 may be, for example, a A computer or a mobile phone, but not limited to this. In this embodiment, the new account registration request is generated by the user terminal 5 according to a user's operation, and the new account registration request includes, for example, three pieces of registration information. For ease of explanation, here are the three registration data as the first registration data corresponding to the first reference data of the alert account data, and the second registration data corresponding to the second reference data of the alert account data. And the third registration data corresponding to the third reference data of the alert account data. More specifically, in this embodiment, the first registration data is, for example, the Internet Protocol address (that is, the IP address) in the communication network when the user terminal 5 outputs the new account registration request. The second registration information is, for example, an email address entered by the user in the user terminal 5 to register an electronic payment account, and the third registration information is, for example, the user enters in the user terminal 5 for use in A financial account account for a refund of an electronic payment account registered, but not limited to this. Then, step S12 is performed.

In step S12, the verification server 12 compares the registration data of the new account registration request with the reference data of each alert account data, and calculates a plurality of comparisons corresponding to the alert account data. The result. More specifically, the check server 12 is the first registration data, the second registration data, and the third registration data included in the new account registration request, respectively, with the first registration data included in each alert account data. A reference data, the second reference data, and the third reference data are compared to generate the comparison results respectively corresponding to the alert account data. In this embodiment, each comparison result is a numerical value, and the numerical value of each comparison result is positively related to the similarity between the registration data of the new account registration request and the reference data of the corresponding warning account data.

More specifically, the method for the verification server 12 to calculate each comparison result is, for example, starting from an initial score and accumulating upward, and the initial score is, for example, 0 in this embodiment, but it is not limited thereto. Taking an exemplary alert account data in the alert account data as an example, the checking server 12 calculates the comparison result corresponding to the exemplary alert account data in the following manner.

First, the verification server 12 determines whether the first registration data matches the first reference data of the exemplary alert account data or meets an IP address similarity condition. In other words, the verification server 12 determines the newly created Whether the two Internet protocol addresses included in the account registration request and the exemplary alert account data match or are similar. In this embodiment, the IP address similarity condition is, for example, that the first three paragraphs of the two Internet Protocol addresses match each other, but it is not limited to this. Moreover, if the verification server 12 determines that the two Internet protocol addresses of the new account registration request and the exemplary alert account data are consistent with each other, the current value of the comparison result is increased by 8. On the other hand, If the check server 12 determines that the two Internet protocol addresses of the new account registration request and the exemplary alert account data do not match each other but meet the similarity condition, then the current value of the comparison result will be added 5, but not limited to this.

Then, the verification server 12 determines whether the second registration data and the second reference data of the exemplary alert account data meet a first similarity condition or a second similarity condition. In other words, the verification server 12 It is determined whether the two email addresses included in the new account registration request and the exemplary warning account data meet the first similar condition or the second similar condition. In this embodiment, the first similarity condition is that the parts of the two email addresses before the "@" symbol completely match each other, and the second similarity condition is that the two email addresses are before the "@" symbol. The parts do not completely match each other, but the characters it has and the sequence of the characters match more than 50%, but it is not limited to this. Moreover, if the verification server 12 determines that the two email addresses of the new account registration request and the exemplary alert account data meet the first similarity condition, the current value of the comparison result is increased by 8, and the other On the other hand, if the verification server 12 determines that the two email addresses of the new account registration request and the exemplary alert account data do not meet the first similarity condition but meet the second similarity condition, the comparison is performed As a result, the current value is increased by 5, but not limited to this.

Next, the verification server 12 determines whether the third registration data matches the third reference data of the exemplary alert account data. In other words, the verification server 12 determines the new account registration request and the exemplary alert Whether the account numbers of the two refunding financial accounts in the account information match. In addition, if the verification server 12 determines that the new account registration request and the exemplary warning account data have the two refund-use financial account accounts consistent with each other, then the current value of the comparison result is increased by 8.

Finally, if the verification server 12 determines in the aforementioned comparison that the first registration data matches the first reference data of the exemplary alert account data or meets the IP address similarity condition, the second registration data is The second reference data of the exemplary alert account data meets the first similar condition or the second similar condition, or the third registration data matches the third reference data of the exemplary alert account data, then the verification server 12 Further calculate an interval length according to the registration time of the exemplary alert account information, and further adjust the current value of the comparison result according to the interval length. Specifically, in this embodiment, the length of the interval represents the difference between the registration time of the exemplary alert account information and the current time, and if the verification server 12 determines that the length of the interval is less than or equal to 30 Day, the current value of the comparison result is increased by 8. On the other hand, if the verification server 12 determines that the interval is between 30 and 90 days, the current value of the comparison result Add 5. On the other hand, if the checking server 12 determines that the interval time is greater than or equal to 90 days, it will add 3 to the current value of the comparison result, but it is not limited to this.

It is supplemented that the method for the verification server 12 to calculate the comparison results can be freely adjusted according to practical requirements, and is not limited to this embodiment.

After the verification server 12 calculates the comparison results, it then proceeds to step S13.

In step S13, the verification server 12 generates a registration verification result based on a target comparison result with the highest value (that is, the highest degree of similarity indicated) among the comparison results, and checks the registration The result and the new account registration request are sent to the transaction server 11. In this embodiment, the verification server 12 compares the target comparison result with a first threshold value and a second threshold value lower than the first threshold value, and generates the target comparison result according to the comparison result. Registration check result. In more detail, if the electronic transaction system 1 determines that the target comparison result is greater than or equal to a first threshold, the verification server 12 will generate a registration verification result indicating that the verification fails. On the other hand, if the electronic transaction system 1 determines that the target comparison result is less than or equal to the second threshold value, the verification server 12 will generate a registration verification result indicating that the verification is passed. On the other hand, if the electronic transaction system 1 determines that the target comparison result is between the first threshold value and the second threshold value, the verification server 12 will generate an instruction to indicate that the verification is passed but the follow-up is required Tracked registration verification results. In addition, in this embodiment, the first threshold is implemented as twenty-five, and the second threshold is implemented as twenty, but it is not limited to this. Next, step S14 is performed.

In step S14, when the transaction server 11 receives the registration verification result and the new account registration request from the verification server 12, the transaction server 11 determines whether according to the registration verification result according to the new account registration request. Account registration requests the establishment of a new electronic payment account. Specifically, if the registration check result indicates that the check is not passed, the transaction server 11 does not approve the new account registration request, and generates and outputs a registration failure notification to the client 5 for the client 5 Output. On the other hand, if the registration check result indicates that the check is passed, the transaction server 11 grants the new account registration request to establish a new electronic payment account according to the new account registration request, and generates and stores a corresponding new electronic payment account. The account information of the payment account, and the account information includes the registration information of the new account registration request (that is, the Internet protocol address, the email address, and the refund request included in the new account registration request) Financial account number). On the other hand, if the registration check result indicates that the check is passed but follow-up tracking is required, the transaction server 11 grants the new account registration request to establish a new electronic payment account according to the new account registration request, and generates and stores the pair The account information of the new electronic payment account should be created, and it is worth noting that the transaction server 11 also adds the account information to a follow-up tracking list, so that the banking institution can follow-up the new electronic payment account.

The above is the account registration verification process of this embodiment. Next, referring to FIGS. 1 and 3 at the same time, the transaction account verification process will be described below.

First, in step S21, the verification server 12 receives an electronic transaction request via the communication network. In this embodiment, the electronic transaction request may, for example, indicate a transfer electronic transaction and, for example, come from another user terminal (not shown in the figure) different from the user terminal 5, and the electronic transaction request includes, for example, a The payee account number, a payee account account number, and a desired transfer amount. The payee account account number and the payee account account number respectively correspond to one of the electronic payment accounts that are in normal use, for example. Party electronic payment account and a payee electronic payment account. It is supplemented that, in other embodiments, the electronic transaction request may also indicate an online payment electronic transaction, and is not limited to this embodiment. Next, step S22 is performed.

In step S22, the check server 12 determines whether the two target transaction record data corresponding to the payee’s electronic payment account and the payee’s electronic payment account in the normal account transaction record data respectively have any of them Who meets any of these warning conditions. If the judgment result of the verification server 12 is yes, then step S23 is performed. On the other hand, if the judgment result of the verification server 12 is no, then step S24 is continued.

In step S23 following step S22, when the verification server 12 determines that any of the two target transaction record data meets any of the warning conditions, the verification server 12 A transaction check result indicating that the check is not passed is generated, and the transaction check result and the electronic transaction request are sent to the transaction server 11. Then, step S24 is performed.

In step S24, when the transaction server 11 receives the transaction verification result and the electronic transaction request from the verification server 12 indicating that the verification is not passed, the transaction server 11 checks according to the transaction. The verification result determines that the electronic transaction request is not allowed, and a transaction failure notification corresponding to the electronic transaction request is generated and transmitted to the user terminal 5 for output by the user terminal 5.

In step S25 following step S22, when the electronic transaction system 1 determines that the two target transaction record data do not meet any of the warning conditions, the check server 12 generates an instruction to check out The transaction verification result that has passed the verification is verified, and the transaction verification result indicating that the verification passed and the electronic transaction request are transmitted to the transaction server 11. Next, step S26 is performed.

In step S26, when the transaction server 11 receives the transaction verification result and the electronic transaction request from the verification server 12 and indicates that the verification is passed, the transaction server 11 verifies according to the transaction As a result, the electronic transaction request is approved, and the electronic transaction for transfer indicated by the electronic transaction request is executed according to the electronic transaction request.

In summary, by executing the account registration check process, the electronic transaction system 1 of this embodiment can compare the registration data and the reference data of each alert account data to generate a comparison. According to the target comparison result with the highest value, it is determined whether the new account registration request is allowed to establish the new electronic payment account. It is worth mentioning that interested parties may register multiple electronic payment accounts with similar information. Payment accounts are used to conduct illegal activities, and the electronic transaction system 1 can compare the degree of similarity between the new account registration request and the warning account information, and thereby prevent possible impersonation registration behaviors in advance. In addition, by executing the transaction account verification process, the electronic transaction system 1 of this embodiment can select the two target transaction record data according to the payee account account number and the payee account number of the electronic transaction request The transaction record data of the two targets are checked to determine whether the transaction record data of either party meets any warning condition, and to prevent electronic transactions that have a higher risk of illegality in advance, so the invention can indeed be achieved The purpose.

However, the above are only examples of the present invention. When the scope of implementation of the present invention cannot be limited by this, all simple equivalent changes and modifications made in accordance with the scope of the patent application of the present invention and the content of the patent specification still belong to This invention patent covers the scope.

1: Electronic trading system 11: Transaction server 12: Check the server 5: Use side S11~S14: steps S21~S26: steps

Other features and effects of the present invention will be clearly presented in the embodiments with reference to the drawings, in which: Figure 1 is a block diagram of an embodiment of the electronic transaction system of the present invention; Figure 2 is a flow chart illustrating how the embodiment implements an account registration verification process in an electronic transaction verification method; and Fig. 3 is another flowchart illustrating how the embodiment implements a transaction account verification process in the electronic transaction verification method.

S11~S14: steps

Claims (8)

An electronic transaction verification method implemented by an electronic transaction system that stores a list of alert accounts, multiple transaction record data corresponding to multiple electronic payment accounts, and one or more data related to the transaction records The warning condition of the warning account list includes one or more warning account data, each warning account data corresponds to a warning electronic payment account and contains multiple reference materials related to the warning electronic payment account; the electronic transaction verification method contain: (A) When the electronic transaction system receives a new account registration request that is generated by a user and contains multiple registration data, the registration data is compared with the reference data of each alert account data to calculate One or more comparison results corresponding to (etc.) warning account data respectively, each comparison result indicates the similarity between the registration data and the reference data of the warning account data corresponding to the comparison result The electronic transaction system determines whether to establish a new electronic payment account according to the new account registration request based on the target comparison result with the highest similarity indicated in the comparison result(s); and (B) When the electronic transaction system receives an electronic transaction request containing a payee account number and a payee account number, it is determined that the transaction record data corresponds to the payee’s electronic payment account and the payee account. Whether the two target transaction record data of the payee’s electronic payment account meets any of the warning conditions(s), when the electronic transaction system determines that the two target transaction record data does not meet the warning condition(s) In either case, the electronic transaction system grants the electronic transaction request to execute an electronic transaction indicated by the electronic transaction request; otherwise, the electronic transaction system does not grant the electronic transaction request and outputs a transaction failure notification. The electronic transaction verification method of claim 1, wherein in step (A), each comparison result is a numerical value, and when the electronic transaction system determines that the target comparison result is greater than or equal to a first When the threshold value is reached, the electronic transaction system does not grant the new account registration request and outputs a registration failure notification to the user terminal. When the electronic transaction system determines that the target comparison result is less than or equal to a first threshold value lower than the first threshold value At the second threshold, the electronic transaction system grants the new account registration request to establish the new electronic payment account, and the electronic transaction system also generates and stores a pair of account data that should be created for the new electronic payment account. When the electronic transaction system determines When the target comparison result is between the first threshold and the second threshold, the electronic transaction system grants the new account registration request to create the new electronic payment account and generate the account data, and the electronic transaction system The account information is also added to a follow-up tracking list. The electronic transaction verification method according to claim 2, wherein, in step (A), the account information includes the registration information of the new account registration request. The electronic transaction verification method according to claim 1, wherein the reference materials of each alert account data are respectively an Internet protocol address and an email address used when the corresponding alert electronic payment account is registered Address, and a financial account number for refund, and, in step (A), the registration information is another Internet protocol address, another email address, and another financial account for refund Account account number. An electronic transaction system, including: A transaction server; and A verification server, electrically connected to the transaction server, and stores a list of alert accounts, multiple transaction record data corresponding to multiple electronic payment accounts, and one or more alert conditions related to the transaction record data. The alert account list contains one or more alert account data, and each alert account data corresponds to an alert electronic payment account and contains multiple reference data related to the alert electronic payment account; When the electronic transaction system receives a new account registration request that is generated by a user and contains multiple registration data, it compares the registration data with the reference data of each alert account data to calculate an or Multiple comparison results respectively corresponding to (etc.) warning account data, each comparison result indicates the similarity between the registration data and the reference data of the warning account data corresponding to the comparison result, the The electronic transaction system determines whether to establish a new electronic payment account according to the new account registration request according to the comparison result of the target with the highest degree of similarity indicated in the comparison result(s); When the electronic transaction system receives an electronic transaction request containing a payee account number and a payee account account, it determines that the transaction record data corresponds to the payee’s electronic payment account and the payee’s electronic payment account. Whether the two target transaction record data of the payment account meets any of the warning conditions (etc.), when the electronic transaction system determines that the two target transaction record data does not meet any of the warning conditions (etc.) In case of failure, the electronic transaction system grants the electronic transaction request to execute an electronic transaction indicated by the electronic transaction request; otherwise, the electronic transaction system does not grant the electronic transaction request and outputs a transaction failure notification. The electronic transaction system of claim 5, wherein each comparison result is a numerical value, and when the electronic transaction system determines that the target comparison result is greater than or equal to a first threshold value, the electronic transaction system does not Grant the new account registration request and output a registration failure notification to the user end. When the electronic transaction system determines that the target comparison result is less than or equal to a second threshold value lower than the first threshold value, the electronic transaction system The new electronic payment account is established when the new account registration request is granted, and the electronic transaction system also generates and stores a pair of account data that should be created for the new electronic payment account. When the electronic transaction system determines that the target comparison result is between the first When between a threshold value and the second threshold value, the electronic transaction system allows the new account registration request to create the new electronic payment account and generate the account information, and the electronic transaction system also adds the account information to a follow-up tracking List. The electronic transaction system according to claim 6, wherein the account information includes the registration information of the new account registration request. The electronic transaction system according to claim 5, wherein the reference materials of each alert account data are respectively an Internet protocol address and an email address used when the corresponding alert electronic payment account is registered , And a financial account account for refund, and the registration information is another Internet protocol address, another email address, and another financial account account for refund.

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