TW202422455A - Cardless transaction system and method - Google Patents
Cardless transaction system and method Download PDFInfo
- Publication number
- TW202422455A TW202422455A TW111144749A TW111144749A TW202422455A TW 202422455 A TW202422455 A TW 202422455A TW 111144749 A TW111144749 A TW 111144749A TW 111144749 A TW111144749 A TW 111144749A TW 202422455 A TW202422455 A TW 202422455A
- Authority
- TW
- Taiwan
- Prior art keywords
- card
- transaction
- serial number
- present
- communication device
- Prior art date
Links
- 238000000034 method Methods 0.000 title claims description 29
- 238000012795 verification Methods 0.000 claims abstract description 108
- 238000004891 communication Methods 0.000 claims abstract description 83
- 238000012545 processing Methods 0.000 claims abstract description 46
- 238000010586 diagram Methods 0.000 description 14
- 101100012902 Saccharomyces cerevisiae (strain ATCC 204508 / S288c) FIG2 gene Proteins 0.000 description 4
- 230000001815 facial effect Effects 0.000 description 4
- 101100233916 Saccharomyces cerevisiae (strain ATCC 204508 / S288c) KAR5 gene Proteins 0.000 description 3
- 101001121408 Homo sapiens L-amino-acid oxidase Proteins 0.000 description 2
- 102100026388 L-amino-acid oxidase Human genes 0.000 description 2
- 238000012546 transfer Methods 0.000 description 2
- 210000003462 vein Anatomy 0.000 description 2
- 238000000151 deposition Methods 0.000 description 1
- 230000002708 enhancing effect Effects 0.000 description 1
- 238000004900 laundering Methods 0.000 description 1
- 239000002184 metal Substances 0.000 description 1
- 238000012986 modification Methods 0.000 description 1
- 230000004048 modification Effects 0.000 description 1
- 238000012954 risk control Methods 0.000 description 1
Images
Abstract
Description
本發明係關於一種交易系統及方法,特別是關於一種無卡交易系統及方法。The present invention relates to a transaction system and method, and more particularly to a card-not-present transaction system and method.
現行少數銀行有提供無卡存款交易功能之自動櫃員機,且基於風險控管原因,大部分銀行目前所提供的一般無卡存款交易僅限於將金額存入自行帳戶而未提供存入他行帳戶的服務。上述跨行存款的風險之一在於難以識別存款人的潛在洗錢風險等。Currently, only a few banks have ATMs that provide cardless deposit transaction functions. For risk control reasons, most banks currently provide general cardless deposit transactions limited to depositing the amount into one's own account and do not provide deposit services into other bank accounts. One of the risks of inter-bank deposits is the potential risk of money laundering due to the difficulty in identifying depositors.
在一些情形下,現行的銀行交易系統可能無法滿足客戶需求。舉例來說,某商家在網路購物平台上僅限以特定銀行的帳戶進行付款交易,此時若客戶的該特定銀行非常用帳戶或甚至未開戶的話,可能無法透過自動櫃員機完成交易而需要臨櫃辦理,造成使用上的不便。In some cases, the current banking transaction system may not be able to meet customer needs. For example, a merchant on an online shopping platform only allows payment transactions with accounts of a specific bank. If the customer does not frequently use the account of the specific bank or does not even have an account, the transaction may not be completed through the ATM and needs to be handled at the bank, causing inconvenience in use.
鑒於上述,本發明提供一種無卡交易系統及方法。In view of the above, the present invention provides a card-not-present transaction system and method.
依據本發明一實施例的無卡交易系統,包含銀行伺服器、通訊裝置、處理控制裝置、生物驗證裝置及自動櫃員機。銀行伺服器用於自第一行動裝置取得身分資料及交易資料,在對所述身分資料執行身分驗證後,根據所述交易資料提供第一無卡交易序號至第一行動裝置並輸出第二無卡交易序號,其中第一無卡交易序號與第二無卡交易序號相符。通訊裝置訊號連接於銀行伺服器,用於自第二行動裝置接收待驗證交易序號,且自銀行伺服器接收第二無卡交易序號。處理控制裝置連接於通訊裝置,用於自通訊裝置接收待驗證交易序號及第二無卡交易序號,並判斷待驗證交易序號是否與第二無卡交易序號相符,以產生第一驗證訊息。生物驗證裝置連接於處理控制裝置,用於接收第一驗證訊息並對一使用者執行生物驗證,以產生第二驗證訊息。自動櫃員機連接於處理控制裝置,用於根據第一無卡交易序號執行一無卡指定交易。A cardless transaction system according to an embodiment of the present invention includes a bank server, a communication device, a processing control device, a biometric verification device, and an ATM. The bank server is used to obtain identity data and transaction data from a first mobile device, and after performing identity verification on the identity data, provides a first cardless transaction serial number to the first mobile device and outputs a second cardless transaction serial number according to the transaction data, wherein the first cardless transaction serial number matches the second cardless transaction serial number. The communication device is signal-connected to the bank server, and is used to receive a transaction serial number to be verified from a second mobile device, and receive a second cardless transaction serial number from the bank server. The processing control device is connected to the communication device, and is used to receive the transaction serial number to be verified and the second card-not-present transaction serial number from the communication device, and determine whether the transaction serial number to be verified matches the second card-not-present transaction serial number to generate a first verification message. The biometric verification device is connected to the processing control device, and is used to receive the first verification message and perform biometric verification on a user to generate a second verification message. The ATM is connected to the processing control device, and is used to perform a card-not-present designated transaction according to the first card-not-present transaction serial number.
依據本發明一實施例的無卡交易方法,包含以銀行伺服器接收來自第一行動裝置的身分資料及交易資料;以銀行伺服器對身分資料執行身分驗證;當身分驗證指示通過時,銀行伺服器根據交易資料提供第一無卡交易序號至第一行動裝置並輸出第二無卡交易序號,其中第一無卡交易序號與第二無卡交易序號相符;以通訊裝置自第二行動裝置接收待驗證交易序號,且自銀行伺服器接收第二無卡交易序號;以處理控制裝置判斷待驗證交易序號是否與第二無卡交易序號相符;當待驗證交易序號與第二無卡交易序號相符時,處理控制裝置產生第一驗證訊息,並將第一驗證訊息傳輸至生物驗證裝置;以生物驗證裝置對一使用者執行生物驗證;當生物驗證指示通過時,生物驗證裝置產生第二驗證訊息並回傳至處理控制裝置;以處理控制裝置將第二無卡交易序號傳輸至自動櫃員機;以及以自動櫃員機根據第二無卡交易序號執行無卡指定交易。A card-not-present transaction method according to an embodiment of the present invention includes receiving identity data and transaction data from a first mobile device by a bank server; performing identity verification on the identity data by the bank server; when the identity verification instruction is passed, the bank server provides a first card-not-present transaction serial number to the first mobile device according to the transaction data and outputs a second card-not-present transaction serial number, wherein the first card-not-present transaction serial number matches the second card-not-present transaction serial number; receiving the transaction serial number to be verified from the second mobile device by a communication device, and receiving the second card-not-present transaction serial number from the bank server; processing the control device Determine whether the transaction serial number to be verified matches the second card-not-present transaction serial number; when the transaction serial number to be verified matches the second card-not-present transaction serial number, the processing control device generates a first verification message and transmits the first verification message to the biometric verification device; performs biometric verification on a user using the biometric verification device; when the biometric verification indication is passed, the biometric verification device generates a second verification message and returns it to the processing control device; transmits the second card-not-present transaction serial number to the ATM using the processing control device; and performs the card-not-present designated transaction according to the second card-not-present transaction serial number using the ATM.
藉由上述結構,本案所揭示的無卡交易系統及方法,可藉由銀行伺服器對使用者的身分資料執行第一次驗證,透過比對兩無卡交易序號進行第二次驗證,再透過生物辨識進行第三次驗證。如此一來,可確保使用者之個人資訊、所使用之行動裝置,以及使用者本人都須符合驗證流程,藉此無須透過金融卡即可完成跨行或跨平台之安全交易。Through the above structure, the cardless transaction system and method disclosed in this case can perform the first verification of the user's identity information through the bank server, perform the second verification by comparing the two cardless transaction serial numbers, and then perform the third verification through biometrics. In this way, it can be ensured that the user's personal information, the mobile device used, and the user himself must comply with the verification process, thereby completing cross-bank or cross-platform secure transactions without using a bank card.
以上之關於本揭露內容之說明及以下之實施方式之說明係用以示範與解釋本發明之精神與原理,並且提供本發明之專利申請範圍更進一步之解釋。The above description of the disclosed content and the following description of the implementation methods are used to demonstrate and explain the spirit and principle of the present invention, and provide a further explanation of the scope of the patent application of the present invention.
以下在實施方式中詳細敘述本發明之詳細特徵以及優點,其內容足以使任何熟習相關技藝者了解本發明之技術內容並據以實施,且根據本說明書所揭露之內容、申請專利範圍及圖式,任何熟習相關技藝者可輕易地理解本發明相關之目的及優點。以下之實施例係進一步詳細說明本發明之觀點,但非以任何觀點限制本發明之範疇。The detailed features and advantages of the present invention are described in detail in the following embodiments, and the contents are sufficient to enable any person skilled in the relevant art to understand the technical contents of the present invention and implement them accordingly. Moreover, according to the contents disclosed in this specification, the scope of the patent application and the drawings, any person skilled in the relevant art can easily understand the relevant purposes and advantages of the present invention. The following embodiments are to further illustrate the viewpoints of the present invention, but are not to limit the scope of the present invention by any viewpoint.
請參考圖1,圖1為依據本發明一實施例所繪示的無卡交易系統的方塊圖。如圖1所示,無卡交易系統1包含銀行伺服器10、通訊裝置20、處理控制裝置30、生物驗證裝置40及自動櫃員機50。銀行伺服器10用於自第一行動裝置取得身分資料及交易資料,在對所述身分資料執行身分驗證後,根據所述交易資料提供第一無卡交易序號至第一行動裝置並輸出第二無卡交易序號,其中第一無卡交易序號與第二無卡交易序號相符。通訊裝置20訊號連接於銀行伺服器10,用於自第二行動裝置接收待驗證交易序號,且自銀行伺服器10接收第二無卡交易序號。處理控制裝置30連接於通訊裝置20,用於自通訊裝置20接收待驗證交易序號及第二無卡交易序號,並判斷待驗證交易序號是否與第二無卡交易序號相符,以產生第一驗證訊息。生物驗證裝置40連接於處理控制裝置30,用於接收第一驗證訊息並對一使用者執行生物驗證,以產生第二驗證訊息。自動櫃員機50連接於處理控制裝置,用於根據第二無卡交易序號執行一無卡指定交易。Please refer to FIG. 1, which is a block diagram of a cardless transaction system according to an embodiment of the present invention. As shown in FIG. 1, the
在本例中,銀行伺服器10可為遠端的銀行網路主機,可透過網路訊號連接於使用者的行動裝置及自動櫃員機50。銀行伺服器10可預先儲存多位使用者的個人資訊,如網路銀行帳號、帳戶資料、個人基本資料等,且銀行伺服器10可與其他多家銀行伺服器串聯,也就是無卡交易系統1可執行各種跨行交易如存款、提款、轉帳或線上付款等。通訊裝置20可例如為藍牙、無線網路(WIFI)或其他無線訊號收發器以透過無線通訊方式連接於銀行伺服器10。處理控制裝置30連接於通訊裝置20、生物驗證裝置40以及自動櫃員機50,具體來說可為中央處理單元、微控制器或各種具有運算及暫存能力的處理器,在此不予限制。生物驗證裝置40可為一種人臉辨識裝置、指靜脈辨識裝置或聲紋辨識裝置等,能夠對於人體的生物特徵進行驗證。除了上述的連接關係之外,通訊裝置20、處理控制裝置30以及生物驗證裝置40可被設置在自動櫃員機50之上或之內。In this example, the
使用者可使用行動裝置透過上述系統完成指定交易而無需使用金融卡。本案的無卡交易方法包含:以銀行伺服器10接收來自第一行動裝置的身分資料及交易資料;以銀行伺服器10對身分資料執行身分驗證;當身分驗證指示通過時,銀行伺服器10根據交易資料提供第一無卡交易序號至第一行動裝置並輸出第二無卡交易序號,其中第一無卡交易序號與第二無卡交易序號相符;以通訊裝置20自第二行動裝置接收待驗證交易序號,且自銀行伺服器10接收第二無卡交易序號;以處理控制裝置30判斷待驗證交易序號是否與第二無卡交易序號相符;當待驗證交易序號與第二無卡交易序號相符時,處理控制裝置30產生第一驗證訊息,並將第一驗證訊息傳輸至生物驗證裝置40;以生物驗證裝置40對一使用者執行生物驗證;當生物驗證指示通過時,生物驗證裝置40產生第二驗證訊息並回傳至處理控制裝置30;以處理控制裝置30將第二無卡交易序號傳輸至自動櫃員機50;以及以自動櫃員機50根據第二無卡交易序號執行無卡指定交易。The user can use the mobile device to complete the designated transaction through the above system without using a bank card. The cardless transaction method of the present case includes: using the
請結合圖1參照圖2,圖2為依據本發明另一實施例所繪示的無卡交易方法的流程圖。如圖2所示,無卡交易方法包含步驟S101至步驟S111。步驟S101:銀行伺服器10可從第一行動裝置取得身分資料及交易資料;步驟S102:銀行伺服器10可對所述身分資料執行身分驗證;步驟S103:當所述身分驗證指示通過時可執行步驟S104,否則執行步驟S111;步驟S104:銀行伺服器10提供的一無卡交易序號至第一行動裝置,並產生第二無卡交易序號;步驟S105:通訊裝置20接收第二行動裝置的待驗證交易序號,以及來自銀行伺服器10的第二無卡交易序號;步驟S106:處理控制裝置30判斷帶驗證交易序號是否與第二無卡交易序號相符,若是則執行步驟S107,否則執行步驟S111;步驟S107:處理控制裝置30產生並傳輸第一驗證訊息至生物驗證裝置40;步驟S108:生物驗證裝置40對一使用者執行生物驗證,若通過則執行步驟S109,否則執行步驟S111;步驟S109:生物驗證裝置40產生第二驗證訊息並傳輸至處理控制裝置30;步驟S110:自動櫃員機50接收來自處理控制裝置30的第二無卡交易序號執行一無卡指定交易;以及步驟S111:停止交易。Please refer to FIG2 in conjunction with FIG1 , which is a flow chart of a card-not-present transaction method according to another embodiment of the present invention. As shown in FIG2 , the card-not-present transaction method includes steps S101 to S111 . Step S101: the
具體來說,在步驟S101中,銀行伺服器10可接收第一行動裝置於網路銀行上的登錄資訊(如網路銀行帳號及密碼),並且搭配驗證碼(如圖形驗證碼)、簡訊驗證碼和/或行動身分證(mobile ID,mid),以進行身分驗證。於另一實施態樣中,對於非本行用戶或是未註冊網路銀行之用戶,銀行伺服器10可透過第一行動裝置接收使用者的個人基本資料、個人資產、個人費用帳單等用於認識客戶(Know your customer,KYC)的資訊,並且接收上傳的使用者的自拍照以進行核對。此外,銀行伺服器10可接收來自第一行動裝置的交易表單,上方可記載使用者期望執行的交易作業,如存款作業、轉帳作業、支付帳單作業或完成線上交易作業等。在步驟S102中,銀行伺服器10可根據預存的使用者資料進行所述身分驗證,其中若身分驗證未通過,則銀行伺服器10會及時停止交易(即步驟S111),令使用者無法透過自動櫃員機50操作無卡交易。於通過身分驗證後的步驟S104中,銀行伺服器10可根據所述交易資料產生彼此相等的第一無卡交易序號及第二無卡交易序號,並將第一無卡交易序號傳輸至第一行動裝置,而將第二無卡交易序號傳輸至通訊裝置20。無卡交易序號可為指向所述交易資料的一種加密資訊,交易資料與無卡交易序號之間的關係可例如為區塊鏈所儲存的資料與其雜湊值之間的關係,在此不詳述。Specifically, in step S101, the
在步驟S105中,通訊裝置20可透過如藍牙通訊或其他無線通訊方式接收來自第二行動裝置的一待驗證交易序號,並將所述待驗證交易序號及第二無卡交易序號傳送至處理控制裝置30。在步驟S106中,處理控制裝置30可判斷待驗證交易序號與第二無卡交易序號是否相同,即判斷待驗證交易序號是否與第一無卡交易序號相同,或第一行動裝置是否與第二行動裝置相同。舉例來說,當一冒名使用者透過方法取得特定使用者的身分資料而通過步驟S103所述的身分驗證時,銀行伺服器10會將第一無卡交易序號傳送至第一行動裝置(即特定使用者的行動裝置如手機),使得冒名使用者在不知道第一無卡交易序號的情況下只能輸入不相符的待驗證交易序號,因此無法通過步驟S106之比對。In step S105, the
在通過無卡交易序號之比對後的步驟S107中,處理控制裝置30可將第一驗證訊息傳送至生物驗證裝置40以促發生物驗證裝置40對使用者進行進一步的操作。在步驟S108中,舉例來說,人臉辨識裝置可拍攝位於自動櫃員機50前方的使用者的面部影像,並從中擷取特定臉部特徵以與預存的使用者的臉部特徵進行比對以運算產生一特徵符合率,當特徵符合率高於一預設閾值時則判定通過所述生物驗證。類似的,生物驗證裝置40也可為基於其他生物特徵的指靜脈辨識裝置或聲紋辨識裝置等,本案不限於此。當判定通過上述生物驗證後,生物驗證裝置可將第二驗證訊息傳送至處理控制裝置30(步驟S109),處理控制裝置30再據此將所述第二無卡交易序號傳送至自動櫃員機50,使得自動櫃員機50可根據對應於第二無卡交易序號的交易資料執行無卡指定交易(步驟S110)。In step S107 after the comparison of the card-not-present transaction serial number, the
請參照圖3,圖3係依據本發明另一實施例所繪示的無卡交易系統的方塊圖。如圖3所示,在本例中,無卡交易系統1’除了包含與圖1相同的銀行伺服器10、通訊裝置20、處理控制裝置30、生物驗證裝置40以及自動櫃員機50以外,更包含屏蔽裝置60。屏蔽裝置60具有容置空間,用於容納所述第二行動裝置及通訊裝置20,且防止第二行動裝置接收一外來訊號。具體來說,屏蔽裝置60可為具有屏蔽電磁波能力的金屬殼體,且具有特定通訊埠及訊號線讓通訊裝置20可訊號連接於銀行伺服器10,其中本例的銀行伺服器10設置於通訊裝置20附近的本地端而非遠端。關於本實施例的無卡交易系統1’的操作流程,請參考圖4A至圖4C,圖4A至圖4C為依據本發明另一實施例所繪示的無卡交易系統的三個操作過程示意圖。如圖4A所示,相對於圖2所示的步驟S101中,銀行伺服器10可從第一行動裝置M1取得身分資料及交易資料。需要注意的是,此時第一行動裝置M1位於屏蔽裝置(圖未示)之外,即第一行動裝置M1可透過4G/5G網路等連接至銀行伺服器10以進行身分驗證。Please refer to FIG. 3, which is a block diagram of a cardless transaction system according to another embodiment of the present invention. As shown in FIG. 3, in this example, the cardless transaction system 1' includes not only the
接著如圖4B所示,相對於圖2所示的步驟S105中,通訊裝置20接收來自銀行伺服器10的第二無卡交易序號。需要注意的是,本例的通訊裝置20是位於屏蔽裝置(圖未示)之內,即通訊裝置20需透過通訊埠及訊號線等訊號連接至銀行伺服器10。接著如圖4C所示,相對於圖2所示的步驟S105中,通訊裝置20接收來自第二行動裝置M2的待驗證交易序號。本例的第二行動裝置M2是位於屏蔽裝置60之內,使得當第二行動裝置M2訊號連接於通訊裝置20時,可不受外來訊號(如詐騙訊息等)之干擾,藉此強化無卡交易過程之交易安全性。Then, as shown in FIG. 4B , relative to step S105 shown in FIG. 2 , the
請參考圖5,圖5為依據本發明又一實施例所繪示的無卡交易系統的方塊圖。如圖5所示,本例的無卡交易系統1”除了包含圖3所示的銀行伺服器10、第一通訊裝置21(即圖3的通訊裝置20)、處理控制裝置30、生物驗證裝置40、自動櫃員機50以及屏蔽裝置60之外,更包含一第二通訊裝置22,設置於屏蔽裝置60外且連接至位於屏蔽裝置60內的第一通訊裝置21,且訊號連接至銀行伺服器10。在本例中,第二通訊裝置22可例如為一端以有線方式連接一訊號收發端且以無線方式通訊連接另一訊號收發端的藍牙、無線網路(WIFI)或其他無線訊號收發器。第二通訊裝置22與位於屏蔽裝置60內的第一通訊裝置21之間可透過通訊埠及訊號線相連接。關於本實施例的無卡交易系統1”的操作流程,請參考如圖2所示的流程圖。相對於步驟S101,本例的銀行伺服器10可透過位於屏蔽裝置60內的第一通訊裝置21及訊號相連於第一通訊裝置21的第二通訊裝置22接收來自位於屏蔽裝置60內的第一行動裝置(圖未示)的身分資料及交易資料。相對於步驟S105,當所述身分驗證指示通過時,銀行伺服器10將第二無卡交易序號透過第二通訊裝置22傳輸至第一通訊裝置21,且於屏蔽裝置60內,以第一通訊裝置21從第二行動裝置接收所述待驗證交易序號。Please refer to FIG5, which is a block diagram of a cardless transaction system according to another embodiment of the present invention. As shown in FIG5, the
請參照圖6,圖6為依據本發明一實施例所繪示的無卡交易系統的方塊示意圖。如圖6所示,無卡交易系統1包含如圖1所示的銀行伺服器10、通訊裝置20、處理控制裝置30、生物驗證裝置40以及自動櫃員機50。在此例中,銀行伺服器10更訊號連接於內政部資料庫I。舉例來說,內政部資料庫I可為遠端的內政部電腦主機。相對於如圖2所示的步驟S102,銀行伺服器10可基於內政部資料庫I提供的多筆用戶身分資料,比對使用者的身分資料及該些筆用戶身分資料,以執行所述身分驗證。此外,上述的第一行動裝置及第二行動裝置於本例為同一行動裝置M,也就是說,相對於如圖2所示的步驟S104及步驟S105而言,接收的一無卡交易序號者即為行動裝置M,且將待驗證交易序號傳輸給通訊裝置20者也為行動裝置M。換言之,通訊裝置20將接收與第二無卡交易序號相符的第一無卡交易序號。需要注意的是,本實施態樣的無卡交易系統1也可替換為如圖3或圖5所示的無卡交易系統。具體來說,銀行伺服器10可先訊號連接於位於屏蔽裝置60外的行動裝置M以接收身分資料及交易資料,之後通訊裝置20再訊號連接於位在屏蔽裝置60內的行動裝置M以接收第一無卡交易序號。相關實施方式可參照圖4A至圖4C,於此不贅述。Please refer to FIG6, which is a block diagram of a cardless transaction system according to an embodiment of the present invention. As shown in FIG6, the
請參照圖7,圖7為依據本發明一實施例所繪示的無卡交易系統的另一方塊示意圖。如圖7所示,無卡交易系統1包含如圖1所示的銀行伺服器10、通訊裝置20、處理控制裝置30、生物驗證裝置40以及自動櫃員機50。然而無卡交易系統1也可替換為如圖3或圖5所示的無卡交易系統,重複且不必要的敘述在此將被省略或帶過。在此例中,銀行伺服器10更訊號連接於購物平台P。舉例來說,購物平台P可為遠端的電商業者的電腦主機。相對於如圖2所示的步驟S101,行動裝置M可將包含購物平台P的交易資訊傳送至銀行伺服器10。銀行伺服器10可根據所述交易資訊比對購物平台P提供的多筆登記交易資料,再比對所述交易資料及該些筆登記交易資料以找出對應者。舉例來說,銀行伺服器10可將對應於該交易資料的付款帳號作為第一無卡交易序號及第二無卡交易序號,並於產生所述第一無卡交易序號及第二無卡交易序號後,將第一無卡交易序號輸出至行動裝置M且將第二無卡交易序號輸出至通訊裝置20。在本實施態樣中,所述第一無卡交易序號及第二無卡交易序號可為一付款序號。Please refer to Figure 7, which is another block diagram of a cardless transaction system according to an embodiment of the present invention. As shown in Figure 7, the
藉由上述結構,本案所揭示的無卡交易系統及方法,可藉由銀行伺服器對使用者的身分資料執行第一次驗證,透過比對兩無卡交易序號進行第二次驗證,再透過生物辨識進行第三次驗證。如此一來,可確保使用者之個人資訊、所使用之行動裝置,以及使用者本人都須符合驗證流程,藉此無須透過金融卡即可完成跨行或跨平台之安全交易。此外,本案更可以透過屏蔽裝置防止行動裝置與通訊裝置之間的通訊遭到介入,也可防止使用者依照詐騙指示進行帳戶的無卡交易作業。Through the above structure, the cardless transaction system and method disclosed in this case can perform the first verification of the user's identity information through the bank server, perform the second verification by comparing the two cardless transaction serial numbers, and then perform the third verification through biometrics. In this way, it can be ensured that the user's personal information, the mobile device used, and the user himself must comply with the verification process, so that cross-bank or cross-platform secure transactions can be completed without using a bank card. In addition, this case can prevent the communication between the mobile device and the communication device from being interfered with through a shielding device, and can also prevent users from performing cardless transactions on their accounts according to fraudulent instructions.
雖然本發明以前述之實施例揭露如上,然其並非用以限定本發明。在不脫離本發明之精神和範圍內,所為之更動與潤飾,均屬本發明之專利保護範圍。關於本發明所界定之保護範圍請參考所附之申請專利範圍。Although the present invention is disclosed as above with the aforementioned embodiments, it is not intended to limit the present invention. Any changes and modifications made within the spirit and scope of the present invention are within the scope of patent protection of the present invention. Please refer to the attached patent application for the scope of protection defined by the present invention.
1,1’,1”:無卡交易系統 10:銀行伺服器 20:通訊裝置 21:第一通訊裝置 22:第二通訊裝置 30:處理控制裝置 40:生物驗證裝置 50:自動櫃員機 60:屏蔽裝置 M:行動裝置 M1:第一行動裝置 M2:第二行動裝置 I:內政部資料庫 P:購物平台 S101~S111:步驟1,1’,1”: Cardless transaction system 10: Bank server 20: Communication device 21: First communication device 22: Second communication device 30: Processing control device 40: Biometric verification device 50: ATM 60: Shielding device M: Mobile device M1: First mobile device M2: Second mobile device I: Ministry of Interior database P: Shopping platform S101~S111: Steps
圖1係依據本發明一實施例所繪示的無卡交易系統的方塊圖。 圖2係依據本發明另一實施例所繪示的無卡交易方法的流程圖。 圖3係依據本發明另一實施例所繪示的無卡交易系統的方塊圖。 圖4A係依據本發明另一實施例所繪示的無卡交易系統的操作過程示意圖。 圖4B係依據本發明另一實施例所繪示的無卡交易系統的另一操作過程示意圖。 圖4C係依據本發明另一實施例所繪示的無卡交易系統的又一操作過程示意圖。 圖5係依據本發明又一實施例所繪示的無卡交易系統的方塊圖。 圖6係依據本發明一實施例所繪示的無卡交易系統的方塊示意圖。 圖7係依據本發明一實施例所繪示的無卡交易系統的另一方塊示意圖。Fig. 1 is a block diagram of a cardless transaction system according to an embodiment of the present invention. Fig. 2 is a flow chart of a cardless transaction method according to another embodiment of the present invention. Fig. 3 is a block diagram of a cardless transaction system according to another embodiment of the present invention. Fig. 4A is a schematic diagram of the operation process of a cardless transaction system according to another embodiment of the present invention. Fig. 4B is another schematic diagram of the operation process of a cardless transaction system according to another embodiment of the present invention. Fig. 4C is another schematic diagram of the operation process of a cardless transaction system according to another embodiment of the present invention. Fig. 5 is a block diagram of a cardless transaction system according to another embodiment of the present invention. Fig. 6 is a block diagram of a cardless transaction system according to an embodiment of the present invention. FIG. 7 is another block diagram of a card-not-present transaction system according to an embodiment of the present invention.
1:無卡交易系統 1: Card-free transaction system
10:銀行伺服器 10: Bank server
20:通訊裝置 20: Communication device
30:處理控制裝置 30: Processing control device
40:生物驗證裝置 40: Biometric verification device
50:自動櫃員機 50: ATM
Claims (10)
Publications (1)
Publication Number | Publication Date |
---|---|
TW202422455A true TW202422455A (en) | 2024-06-01 |
Family
ID=
Similar Documents
Publication | Publication Date | Title |
---|---|---|
US10785212B2 (en) | Automated access data provisioning | |
US11829987B2 (en) | System and method of facilitating cash transactions at an ATM system without an ATM card using mobile | |
US8554685B2 (en) | Method and system using universal ID and biometrics | |
EP2332092B1 (en) | Apparatus and method for preventing unauthorized access to payment application installed in contactless payment device | |
US20130036017A1 (en) | Financial card for online fund transfer and method therefor | |
KR20110096048A (en) | Secure activation before contactless banking smart card transaction | |
EP4004777A1 (en) | Methods and systems for enrollment and use of biometric payment card | |
US11687915B2 (en) | System and method for generation of virtual account-linked card | |
US11961079B2 (en) | Proof-of-age verification in mobile payments | |
US20140052632A1 (en) | Financial card for online fund transfer and method therefor | |
US20230205859A1 (en) | Biometric override for incorrect failed authorization | |
WO2022148392A1 (en) | Face-scanning payment method and apparatus | |
US20140337225A1 (en) | Biometric-based transaction fraud detection | |
Alhothaily et al. | Towards more secure cardholder verification in payment systems | |
EP4020360A1 (en) | Secure contactless credential exchange | |
WO2015167780A4 (en) | Method and system for preventing fraud | |
TW202422455A (en) | Cardless transaction system and method | |
TWM638075U (en) | No card transaction system | |
US11921832B2 (en) | Authentication by a facial biometric | |
US20200226610A1 (en) | Fingerprint Verification System for Financial Transactions | |
WO2010122497A1 (en) | A payment transaction processing and authorization system and method | |
KR20060037204A (en) | Remittance and payment system on the internet using virtual account |