TW202221605A - Authorization system and authorization method - Google Patents

Abstract

An authorization system and an authorization method are provided. The authorization system includes a client terminal, an initiator terminal, an electronic direct debit authorization (EDDA) server, and a debit bank terminal. The initiator terminal is communicatively coupled to the client terminal, wherein the initiator terminal receives authorization application data from the client terminal. The EDDA server is communicatively coupled to the initiator terminal. The debit bank terminal is communicatively coupled to the EDDA server, wherein the EDDA server transmits authorization data associated with the authorization application data and card input data to the debit bank terminal, wherein the debit bank terminal generates an authorization result corresponding to the client terminal according to the authorization data and stores the authorization result.

Description

Authorization system and authorization method

The present disclosure relates to an authorization system and an authorization method.

When the applicant applies to the debiting bank for a specific transaction with the operator, the applicant or operator needs to complete the identity verification with the debiting bank to obtain the authorization of the transaction. Traditionally, applicants can apply to authorize transactions using a paper power of attorney. However, applicants are required to deliver a paper Power of Attorney over the counter or by post. In this way, it takes a lot of time for the applicant. In addition, the debiting bank needs to manually check the paper power of attorney, and the manpower or time required to review the authorization manually is far greater than the manpower or time required to review the authorization with an automated system. On the other hand, with the paper authorization method, neither the applicant nor the operator can confirm the authorization result immediately. Based on this, it is necessary to propose an improved authorization system and authorization method.

The present disclosure provides an authorization system and an authorization method, which can utilize an electronic authorization deduction server to decode card input data to complete financial transactions requiring card authorization.

The authorization system of the present disclosure includes a client terminal, an initiator terminal, an electronic authorization deduction server, and a debit bank terminal. The initiator terminal is communicatively connected to the client terminal, wherein the initiator terminal receives authorization application data from the client terminal. The electronic authorization debit server is communicatively connected to the initiator terminal. The terminal of the debit bank is connected to the electronic authorization deduction server, wherein the electronic authorization deduction server transmits the authorization data associated with the authorization application data and the card input data to the debit bank terminal, and the debit bank terminal generates corresponding correspondence according to the authorization data. The authorization result of the client terminal is stored, and the authorization result is stored.

In an embodiment of the present disclosure, the initiator terminal of the above-mentioned authorization system transmits the authorization application data to the electronic authorization debit server, wherein the electronic authorization debit server decodes the card input data to obtain the card data, and according to the authorization application data And card data to generate authorization data.

In an embodiment of the present disclosure, the electronic authorization deduction server of the above-mentioned authorization system decodes the card input data to obtain the card data, and transmits the card data to the initiator terminal, wherein the initiator terminal according to the authorization application data and card data to generate authorization data, and transmit the authorization data to the electronic authorization debit server.

In an embodiment of the present disclosure, the debiting bank terminal of the above-mentioned authorization system transmits an authorization reply to the electronic authorization debit server, wherein the authorization reply includes an authorization result, and the electronic authorization debit server transmits the authorization reply to the initiator. terminal, wherein the initiator terminal transmits the authorization reply to the client terminal.

In an embodiment of the present disclosure, the client terminal of the above-mentioned authorization system communicates with the terminal of the debiting bank according to the authorization result to use the financial deduction service or the identity verification service provided by the terminal of the debiting bank.

In an embodiment of the present disclosure, the electronic authorization deduction server of the above-mentioned authorization system is communicatively connected to the client terminal, wherein the electronic authorization debit server sends an instruction message to the client terminal in response to receiving the authorization application data, wherein the instruction The message instructs the client terminal to provide the card input data to the electronic authorization debit server.

In an embodiment of the present disclosure, the initiator terminal of the above-mentioned authorization system transmits a request message to the electronic authorization debit server in response to receiving the authorization application data, wherein the electronic authorization debit server is communicatively connected to the client terminal, wherein The electronic authorization debit server sends an instruction message to the client terminal in response to receiving the request message, wherein the instruction message instructs the client terminal to provide card input data to the electronic authorization debit server.

The authorization method of the present disclosure is applicable to an authorization system including a client terminal, an initiator terminal, an electronic authorization deduction server, and a debit bank terminal, wherein the authorization method includes: the initiator terminal receives authorization application materials from the client terminal; The authorization debit server transmits authorization data associated with the authorization application data and the card input data to the debit bank terminal; and the debit bank terminal generates an authorization result corresponding to the client terminal according to the authorization data, and stores the authorization result.

Based on the above, the authorization system and authorization method of the present disclosure can utilize the electronic authorization deduction server to decode the card input data provided by the client terminal, and transmit the authorization data associated with the authorization application data and the card input data to the debit bank terminal.

In order to make the above-mentioned features and advantages of the present disclosure more obvious and easy to understand, the following embodiments are given and described in detail in conjunction with the accompanying drawings as follows.

FIG. 1 is a schematic diagram illustrating an authorization system 100 according to an embodiment of the present disclosure. Referring to FIG. 1 , the authorization system 100 may include a client terminal 110 , an initiator terminal 120 , an electronic direct debit authorization (EDDA) server 130 and a debit bank terminal 140 .

The client terminal 110 is, for example, an electronic device with computing capability commonly used by customers, including a smart phone, a tablet computer, or a personal computer. The client terminal 110 may also include a card reading device (eg, a contact card reader or a contactless card reader) to read the card input data of the client's card, including, for example, an ID card, an insurance card, a natural person Certificates, debit cards or credit cards, etc., this disclosure is not limited to this. The client terminal 110 may have input and output elements (such as but not limited to: a display, a touch screen, a keyboard or a mouse), a processing unit (such as a processor but not limited to), a communication unit (such as various communication chips, mobile Communication chip, bluetooth chip or WiFi chip, etc. but not limited to this) and storage unit (for example: removable random access memory, flash memory or hard disk, etc., but not limited to) and other necessary components to run the client terminal 110 .

The initiator terminal 120 may be communicatively connected to the client terminal 110 . The initiator terminal 120 is, for example, an electronic device having computing capability. For example, the initiator terminal 120 may be a terminal device of a store selling items or a server in a bank. The initiator terminal 120 may have input and output elements (such as but not limited to: a display, a touch screen, a keyboard or a mouse), a processing unit (such as a processor but not limited thereto), a communication unit (such as various communication chips) , mobile communication chip, bluetooth chip or WiFi chip, etc. but not limited to this) and storage units (such as: removable random access memory, flash memory or hard disk, etc., but not limited to) and other running initiator terminals 120 necessary components.

The electronic authorization debit server 130 may be communicatively connected to the initiator terminal 120 or the client terminal 110 . The electronic authorization debit server 130 is, for example, an electronic device with computing capability. The electronic authorization debit server 130 may have input and output elements (such as but not limited to: a display, a touch screen, a keyboard or a mouse), a processing unit (such as a processor but not limited thereto), a communication unit (such as various types of Communication chip, mobile communication chip, Bluetooth chip or WiFi chip, etc. but not limited to this) and storage unit (such as: removable random access memory, flash memory or hard disk, etc., but not limited to) and other operating electronic authorization Necessary components of the debit server 130 . The electronic authorization debit server 130 may be a server capable of decoding card input data to obtain card data. For example, the electronic authorization debit server 130 may provide a card reading element. The card reading element has the function of decoding the card input data. After the customer inserts the card into the card reader of the client terminal 110, the electronic authorization deduction server 130 can obtain the card input data from the client terminal 110 and decode the card input data through the card reading element, so as to obtain the card data from the card input data .

The debiting bank terminal 140 may be communicatively connected to the electronic authorization debiting server 130 , the initiator terminal 120 or the client terminal 110 . The debit bank terminal 140 is, for example, an electronic device with computing capability. The debiting bank terminal 140 may be a terminal device of a bank where the customer has an account. The debit terminal 140 may have input and output elements (such as but not limited to: a display, a touch screen, a keyboard or a mouse), a processing unit (such as but not limited to a processor), a communication unit (such as various communication chips) , mobile communication chip, bluetooth chip or WiFi chip, etc. but not limited to this) and storage units (such as: removable random access memory, flash memory or hard disk, etc., but not limited to) and other running initiator terminals 120 necessary components.

In this embodiment, the customer may obtain authorization from the debit bank terminal 140 through the client terminal 110 to use a specific financial debit service or identity verification service. The method for obtaining the authorization result will be described below with an embodiment.

FIG. 2 is a flowchart illustrating an authorization result according to an embodiment of the present disclosure. In step S201 , the client can use the client terminal 110 to transmit the authorization application data (or the identity confirmation application data) to the initiator terminal 120 . The authorization application information can be the information required to apply to the bank for debiting (for example, debiting from the account opened by the customer with the bank), such as the bank's branch code or account number. The authorization application data may also include transaction information, such as (but not limited to) the transaction code for authorized debiting, the user number for authorized debiting and other information.

In step S202 , the initiator terminal 120 may transmit the authorization application data to the electronic authorization deduction server 130 .

In step S203 , the electronic authorization debit server 130 may transmit an instruction message to the client terminal 110 in response to receiving the authorization application data, wherein the instruction message may instruct the client terminal 110 to provide the card input data to the electronic authorization debit server 130 . For example, after the electronic authorization debit server 130 receives the authorization application data (such as the customer's bank account number and transaction information), the electronic authorization debit server 130 may send an instruction message to the client terminal 110 to request the customer to use the client terminal 110 reads the customer's card to obtain the card input data, and provides the card input data to the electronic authorization debit server 130 . The client terminal 110 may display a reminder message on the display requesting the client to insert the card into the card reader of the client terminal 110 .

In step S204, the client terminal 110 may read the client's card to obtain the card input data.

In step S205 , the client terminal 110 may transmit the card input data to the electronic authorization debit server 130 .

In step S206, the electronic authorization debit server 130 can decode the card input data to obtain the card data. For example, the electronic authorization debit server 130 can decode the card input data through the card reading element pre-stored in the electronic authorization debit server 130 to obtain the card data. The electronic authorization debit server 130 can also generate authorization data according to the authorization application data and the card data. For example, the electronic authorization debit server 130 may generate authorization data (or identity confirmation data) according to authorization application data (such as the customer's bank account number or transaction information) and card data (such as the transaction verification code in the card, the card transaction serial number) .

In step S207 , the electronic authorization debit server 130 may transmit the authorization data (related to the authorization application data and the card input data) to the debit bank terminal 140 .

In step S208, the debiting bank terminal 140 may generate an authorization result (or an identity confirmation result) corresponding to the client terminal 110 according to the authorization data, and store the authorization result. For example, the debiting bank terminal 140 may pre-store customer information related to the customer of the customer terminal 110 . The debiting bank terminal 140 can compare customer information and authorization data. If the debiting bank terminal 140 confirms that the authorization data matches the customer information, the debiting bank terminal 140 may generate an authorization result instructing the client terminal 110 to obtain authorization.

In step S209 , the debiting bank terminal 140 may transmit the authorization reply (or the identity confirmation reply) (including the authorization result) to the electronic authorization debiting server 130 . The electronic authorization debit server 130 may transmit an authorization reply to the initiator terminal 120 . Initiator terminal 120 may transmit the authorization reply to client terminal 110 .

FIG. 3 is a flowchart illustrating an authorization result according to another embodiment of the present disclosure. In step S301 , the client can use the client terminal 110 to transmit the authorization application data (or the identity confirmation application data) to the initiator terminal 120 . The authorization application information can be the information required to apply to the bank for debiting (for example, debiting from the account opened by the customer with the bank), such as the bank's branch code or account number. The authorization application data may also include transaction information, such as (but not limited to) the commodity name, commodity number or commodity price of the commodity purchased by the customer.

In step S302, the initiator terminal 120 may send a request message to the electronic authorization debit server 130 in response to receiving the authorization application data, and the request message may be used to request the electronic authorization debit server 130 to start the electronic authorization process or the electronic identity verification. process.

In step S303 , the electronic payment authorization server 130 may transmit an instruction message to the client terminal 110 in response to receiving the request message, wherein the instruction message may instruct the client terminal 110 to provide the card input data to the electronic authorization debit server 130 . The client terminal 110 may display a reminder message on the display requesting the client to insert the card into the card reader of the client terminal 110 .

In step S304, the client terminal 110 may read the client's card to obtain the card input data.

In step S305 , the client terminal 110 may transmit the card input data to the electronic authorization debit server 130 .

In step S306, the electronic authorization debit server 130 may decode the card input data to obtain card data (eg, the transaction verification code in the card, the card transaction serial number). For example, the electronic authorization debit server 130 can decode the card input data through the card reading element pre-stored in the electronic authorization debit server 130 to obtain the card data.

In step S307 , the electronic authorization debit server 130 may transmit the card data to the initiator terminal 120 .

In step S308, the initiator terminal 120 may generate authorization data (or identity confirmation data) according to the authorization application data (eg, the customer's bank account number) and card data (eg, the transaction verification code in the card, the card transaction serial number).

In step S309 , the initiator terminal 120 may transmit the authorization data to the electronic authorization debit server 130 .

In step S310 , the electronic authorization debit server 130 may transmit the authorization data (related to the authorization application data and the card input data) to the debit bank terminal 140 .

In step S311, the debiting bank terminal 140 may generate an authorization result (or an identity confirmation result) corresponding to the client terminal 110 according to the authorization data, and store the authorization result. For example, the debiting bank terminal 140 may pre-store customer information related to the customer of the customer terminal 110 . The debiting bank terminal 140 can compare customer information and authorization data. If the debiting bank terminal 140 confirms that the authorization data matches the customer information, the debiting bank terminal 140 may generate an authorization result instructing the client terminal 110 to obtain authorization.

In step S312 , the debiting bank terminal 140 may transmit the authorization reply (or the identity confirmation reply) (including the authorization result) to the electronic authorization debiting server 130 . The electronic authorization debit server 130 may transmit an authorization reply to the initiator terminal 120 . Initiator terminal 120 may transmit the authorization reply to client terminal 110 .

After receiving the authorization reply, the client terminal 110 may communicate directly or indirectly (eg, through the initiator terminal 120 ) with the debit bank terminal 140 to use the debit bank terminal 140 according to the authorization result contained in the authorization reply. Financial debit services or identity verification services. For example, if the authorization result in the authorization reply received by the client terminal 110 indicates that the client terminal 110 is authorized, the client terminal 110 may communicate with the debiting bank terminal 140 to use the financial debiting service or identity provided by the debiting bank terminal 140 Confirm service. Financial deduction services may include but are not limited to: electronic payment, digital account transfer, insurance premium payment, credit card loan, auto loan, housing loan, consumer loan, school loan, telecommunication fee payment, gas fee payment, water fee payment, delivery Account, sub-account deposit, trust fund transaction, securities purchase, delivery account or margin payment.

FIG. 4 is a flowchart illustrating an authorization method according to an embodiment of the present disclosure, wherein the authorization method 400 can be implemented by the authorization system 100 shown in FIG. 1 . In step S401, the initiator terminal receives authorization application data (or identity confirmation application data) from the client terminal. In step S403 , the authorization data (or identity confirmation data) associated with the authorization application data and the card input data is sent by the electronic authorization debit server to the terminal of the debit bank. In step S405, the terminal of the debiting bank generates an authorization result (or an identity confirmation result) corresponding to the client terminal according to the authorization data, and stores the authorization result.

To sum up, the authorization system and authorization method of the present disclosure can utilize the electronic authorization deduction server to decode the card input data provided by the client terminal, and transmit the information related to the authorization application data (or the identity confirmation application data) and the card input data. Authorize the data to the terminal of the debiting bank. In this way, even if the initiator terminal has not developed a card reading element for its customers, the debit bank terminal can obtain the authorization data (or identity confirmation data) related to the card input data through the electronic authorization debit server.

Although the present disclosure has been disclosed above with examples, it is not intended to limit the present disclosure. Anyone with ordinary knowledge in the technical field may make some changes and modifications without departing from the spirit and scope of the present disclosure. The scope of protection of the present disclosure shall be determined by the scope of the appended patent application.

100: Authorization System 110: Client Terminal 120: Initiator Terminal 130: Electronic Authorization Deduction Server 140: Debit bank terminal 400: Method Steps

FIG. 1 is a schematic diagram illustrating an authorization system according to an embodiment of the present disclosure. FIG. 2 is a flowchart illustrating an authorization result according to an embodiment of the present disclosure. FIG. 3 is a flowchart illustrating an authorization result according to another embodiment of the present disclosure. FIG. 4 is a flowchart illustrating an authorization method according to an embodiment of the present disclosure.

100: Authorization System

110: Client Terminal

120: Initiator Terminal

130: Electronic Authorization Deduction Server

140: Debit bank terminal

Claims (8)

An authorization system including: client terminal; an initiator terminal, communicatively connected to the client terminal, wherein the initiator terminal receives authorization application data from the client terminal; an electronic authorization debit server, communicatively connected to the initiator terminal; and The debiting bank terminal is connected to the electronic authorization debiting server in communication, wherein The electronic authorization deduction server transmits authorization data associated with the authorization application data and card input data to the debit bank terminal, wherein The debiting bank terminal generates an authorization result corresponding to the client terminal according to the authorization data, and stores the authorization result. The authorization system of claim 1, wherein The initiator terminal transmits the authorization application data to the electronic authorization deduction server, wherein The electronic authorization debiting server decodes the card input data to obtain card data, and generates the authorization data according to the authorization application data and the card data. The authorization system of claim 1, wherein The electronic authorization debit server decodes the card input data to obtain card data, and transmits the card data to the initiator terminal, wherein The initiator terminal generates the authorization data according to the authorization application data and the card data, and transmits the authorization data to the electronic authorization deduction server. The authorization system of claim 1, wherein The debiting bank terminal transmits an authorization reply to the electronic authorization debit server, wherein the authorization reply includes the authorization result, wherein The electronic authorization debit server transmits the authorization reply to the initiator terminal, wherein The initiator terminal transmits the authorization reply to the client terminal. The authorization system of claim 1, wherein the client terminal communicates with the debit bank terminal according to the authorization result to use the financial debit service or identity confirmation service provided by the debit bank terminal. The authorization system of claim 2, wherein The electronic authorization debit server is communicatively connected to the client terminal, wherein The electronic authorization debit server sends an instruction message to the client terminal in response to receiving the authorization application data, wherein the instruction message instructs the client terminal to provide the card input data to the electronic authorization debit server. The authorization system of claim 3, wherein The initiator terminal transmits a request message to the electronic authorization debit server in response to receiving the authorization application data, wherein The electronic authorization debit server is communicatively connected to the client terminal, wherein The electronic authorization debit server sends an instruction message to the client terminal in response to receiving the request message, wherein the instruction message instructs the client terminal to provide the card input data to the electronic authorization debit server device. An authorization method is applicable to an authorization system including a client terminal, an initiator terminal, an electronic authorization deduction server and a debit bank terminal, wherein the authorization method includes: receiving authorization application data from the client terminal by the initiator terminal; sending authorization data associated with the authorization application data and card input data to the debit bank terminal by the electronic authorization debit server; and An authorization result corresponding to the client terminal is generated by the debit bank terminal according to the authorization data, and the authorization result is stored.

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