TWI654579B - Cross-border trading system - Google Patents

Abstract

The invention discloses a cross-border transaction system, which comprises an overseas transaction website, an overseas server, an intermediary agency and a domestic card issuing financial institution. The offshore trading website conducts transactions with the user device to establish transaction data. The foreign server receives the transaction data and forms the first code using the calculation program and the verification parameters. The intermediary institution receives the transaction data and the first code, and when the operating program is used to process the transaction data and the verification parameter to form the first code, triggering the user device to return the transaction verification code, the bank code and the payment account of the corresponding financial card to transmit the payment. The account number, transaction verification code and transaction data are given to the domestic card issuing financial institution corresponding to the bank code, and when it judges that the transaction verification code is correct, the payment is deducted from the payment account to reduce the development cost of the cross-border payment.

Description

Cross-border trading system

The present invention relates to a trading system, and in particular to a cross-border trading system.

The development of the retail industry has entered the third wave of revolutionary "Mobileization" from "computerization" and "networking". The mobile industry is a brand that connects its own entities, websites and user devices, allowing all online and offline resources to be fully integrated and integrated. In the future, the retail industry will no longer have virtual replacement entities, or entities will replace virtual disputes. They will only be distinguished by "with or without action." Mobile business is not the future, but now, global cross-border online shopping is a retail industry. Revolution.

The current cross-border electronic payment is linked by a single bank and different cross-border payment platforms. As a result, banks and cross-border payment providers need to customize the cross-border payment service when they are connected in tandem. . For example, as shown in FIG. 1, when a user wants to purchase an overseas online product, the user uses the user computer 10 to connect to the overseas transaction website 12 to make a purchase to establish an online order. The overseas transaction website 12 will first transmit the network order to the overseas server 14, and the overseas server 14 transmits it to the domestic bank server 20, and the domestic bank server 20 performs the transfer operation according to the network order to make the overseas transaction website. 12 corresponding accounts get the payment amount. In addition, the user can also use the user computer 10 to connect to another overseas transaction website 16 to purchase a network product to establish another network order, and also transmit it to the domestic bank server 20 by the overseas server 18, by the domestic bank. The server 20 performs a transfer operation according to the network order, so that the account corresponding to the overseas transaction website 16 receives the payment amount. In this example, the same domestic bank server 20 and the different overseas servers 14, 18 perform transaction data transmission, so the setting of the domestic bank server is complicated, and it is difficult for the bank to rapidly expand the cross-border payment service.

Accordingly, the present invention has been made in view of the above-mentioned problems, and proposes a cross-border transaction system to solve the problems arising from the prior art.

The main object of the present invention is to provide a cross-border transaction system, which provides an intermediary mechanism for solving the difference between the connection transaction between the bank and the cross-border payment platform, and reduces the bank and payment through the centralized method and the combination with the gold flow. Import development costs and timelines between platforms.

To achieve the above objective, the present invention provides a cross-border transaction system, which comprises an overseas transaction website, an overseas server, an intermediary institution and a plurality of domestic card issuing financial institutions, wherein the domestic card issuing financial institution is, for example, a card issuing bank. The offshore trading website is connected to a user device, such as a user's computer. The user device conducts a transaction with the overseas transaction website to establish a transaction data including the transaction amount, the store code, the terminal machine code, the platform order number, the handling fee, the transaction date, and the transaction time. The overseas server connects to the overseas transaction website and receives the transaction data, and the overseas server uses a computing program to process the transaction data and a verification parameter to form a first token. The intermediary connects the foreign server and the user device, and receives the transaction data and the first code from the overseas server. When the intermediary uses the computing program to process the transaction data and the verification parameters to form the first code, a payment request is sent to the user device to trigger the user device to transmit a transaction verification code, a bank code and a payment account corresponding to one of the financial cards. To the agency. For example, the payment request is a payment page, the user device enters the payment account and the bank code to the payment page, and transmits the payment page containing the payment account and the bank code to the intermediary. All domestic card issuing financial institutions are connected to the intermediary agency, and the intermediary agency transmits the payment account, transaction verification code and transaction information to the domestic card issuing financial institution corresponding to the bank code. When the issuing card financial institution corresponding to the bank code determines that the transaction verification code is correct, it pays the transaction amount from the payment account to the overseas cooperative bank corresponding to the overseas server through the entrusted bank corresponding to the intermediary institution.

The financial card stores a verification program, and the user device is connected to a card reader, and the user device Receiving a financial password, payment account and bank code to determine the correctness of the financial password by using the verification program. When the financial card uses the verification program to determine that the financial password is correct, the verification program uses the financial password to form a transaction verification code.

When the issuing financial institution corresponding to the bank code determines that the transaction verification code is correct, an authorization data is transmitted to the intermediary institution, and the authorization data includes the special store code, the terminal machine code, the platform order number, the transaction result, the response code, and the transaction processing response time. . The intermediary uses the computing program to process the authorization data and the verification parameters to form a second code, and transmits the authorization data and the second code to the overseas server. When the intermediary transmits the authorization data and the second code to the overseas server, the intermediary transmits the authorization information to the user device. Then, when the overseas server forms the second code by using the authorization data and the verification parameter, the authorization data is stored for query.

In order to give your review board members a better understanding and understanding of the structural features and efficacies of the present invention, the following is a description of the preferred embodiment and the detailed description.

10‧‧‧User computer

12‧‧‧Overseas Trading Website

14‧‧‧Overseas server

16‧‧‧Overseas Trading Website

18‧‧‧Overseas server

20‧‧‧ Domestic Bank Server

22‧‧‧Overseas Trading Website

24‧‧‧Overseas server

26‧‧‧Intermediary agencies

28‧‧‧ Domestic card issuing financial institutions

30‧‧‧User device

32‧‧‧ card reader

T‧‧‧ transaction information

TK1‧‧‧ first code

D‧‧‧ transaction verification code

B‧‧‧Bank code

N‧‧‧payment account

P‧‧‧ Payment page

F‧‧‧ financial password

A‧‧‧Authorized information

TK2‧‧‧ second code

Figure 1 is a system block diagram of a prior art cross-border electronic payment system.

Figure 2 is a block diagram of the system of the cross-border transaction system of the present invention.

Figure 3 is a flow chart showing the operation of the cross-border trading system of the present invention.

In response to the advent of mobile communications and the digital age of the Internet, electronic payment models have become increasingly innovative. With the rapid development of e-commerce, the “Regulations on the Administration of Electronic Payment Institutions” and related sub-laws, the Financial Management Association has approved financial institutions or electronic payment institutions. With regard to electronic payment services, the present invention is based on "cooperation with cross-border institutions or assisting cross-border institutions in the conduct of electronic payment agency business related operations in China" The method is to develop a functional information transfer system for cross-border electronic payment, and to provide banking and cross-border electronic payment institutions, payment service network system connection and information transmission and exchange services.

Please refer to Figure 2 and Figure 3 below. The following describes the cross-border transaction system of the present invention, which includes an overseas transaction website 22, an overseas server 24, an intermediary agency 26, and a plurality of domestic card issuing financial institutions 28, wherein the overseas transaction website 22 and the overseas server 24 belong to one. The special store, the agency 26 is used to ensure the neutrality of the transaction and the confirmation of the third unit. The domestic card issuing financial institution 28 is, for example, a card issuing bank, and the domestic card issuing financial institution 28 and the intermediary agency 26 respectively have a financial server and an intermediary servo. To transfer data to each other. The overseas and domestic departments belong to two different countries. For example, the overseas trading website 22 and the overseas server 24 are located in mainland China, and the intermediary agency 26 and the domestic card issuing financial institution 28 are located in Taiwan. The offshore transaction website 22 is coupled to a user device 30, such as a user computer. The user device 30 conducts a transaction with the overseas transaction website 22 to establish a transaction data T including the transaction amount, the store code, the terminal machine code, the platform order number, the handling fee, the transaction date, and the transaction time. The overseas server 24 connects to the overseas transaction website 22 and receives the transaction data T. The overseas server 24 processes the transaction data T and a verification parameter by using an operation program to form a first code TK1 (token). The intermediary 26 connects the foreign server 24 with the user device 30 and receives the transaction data T and the first code TK1 from the foreign server 24. When the intermediary device 26 processes the transaction data T and the verification parameter to form the first code TK1 by using the calculation program, a payment request is sent to the user device 30 to trigger the user device 30 to transmit a transaction verification code D corresponding to one of the financial cards. Bank code B and a payment account number N are given to the agency 26. For example, the payment request is the payment page P, the user device 30 inputs the payment account N and the bank code B to the payment page, and transmits the payment page N carrying the payment account N and the bank code B to the intermediary agency 26. In addition, since the intermediary mechanism 26 has the same operation program and verification parameters as the overseas server 24, the transaction data T and the verification parameters can be processed by the operation program to form the same first code TK1, and the verification mechanism of the intermediary mechanism 26 can ensure the transaction. The data T is transmitted from the foreign server 24. All domestic card issuing financial institutions 28 are connected to the agency 26, and the agency 26 transmits the payment account number N, the transaction verification code D and the transaction data T to the bank representative. The domestic card issuing financial institution corresponding to code B 28 . When the domestic card issuing financial institution 28 corresponding to the bank code B determines that the transaction verification code D is correct, it pays the transaction amount from the payment account N through the entrusted bank corresponding to the intermediary institution 26 to the overseas cooperative bank corresponding to the overseas server 24. The domestic card issuing financial institution 28 and the financial card correspond to each other. For example, when using the financial card issued by Cathay United Bank, the corresponding domestic card issuing financial institution 28 is Cathay World Bank; when using HSBC When the issued financial card is paid, at this time, its corresponding domestic card issuing financial institution 28 is HSBC. The invention utilizes the intermediary mechanism as a bridge between the bank and the cross-border payment platform to solve the difference between the bank and the cross-border payment platform connection transaction, and integrates with the gold flow through the centralized method, thereby reducing the bank and the payment platform. Import development costs and time intervals.

The financial card stores a verification program, and the user device 30 is connected to a card reader 32. The user device 30 receives a financial password F, a payment account number N and a bank code B to determine the correctness of the financial password F by using the verification program. When the card verification program determines that the financial password F is correct, the verification program forms the transaction verification code D using the financial password F.

When the domestic card issuing financial institution 28 corresponding to the bank code B determines that the transaction verification code D is correct, an authorization data A is transmitted to the intermediary agency 26, and the authorization material A includes the special store code, the terminal machine code, the platform order number, the transaction result, Response code and transaction processing response time. The intermediary mechanism 26 uses the computing program to process the authorization data A and the verification parameters to form a second code TK2, and transmits the authorization data A and the second code TK2 to the overseas server 24. When the intermediary 26 transmits the authorization material A and the second code TK2 to the foreign server 24, the intermediary 26 transmits the authorization material A to the user device 30. Next, when the overseas server 24 forms the second code TK2 using the authorization data A and the verification parameters, the authorization data A is stored for inquiry. Since the overseas server 24 is provided with the same calculation program and verification parameters as the intermediary mechanism 26, the authorization program A and the verification parameter can be processed by the operation program to form the same second code TK2, and the verification mechanism of the overseas server 24 can ensure authorization. Data A is transmitted from the agency 26.

The following describes the operation process of the cross-border trading system of the present invention, please refer to FIG. 2 at the same time. With Figure 3. First, as shown in step S10, the user connects to the overseas transaction website 22 by using the user device 30, and conducts a transaction with the overseas transaction website 22 to establish the transaction data T and send it. The transaction data T includes the transaction amount, the store code, the end machine code, the platform order number, the handling fee, the transaction date and the transaction time. Next, as shown in step S12, the overseas server 24 receives the transaction data T, and the overseas server 24 processes the transaction data T and the verification parameters by using the calculation program to form the first code TK1, and sends the first code TK1 and the transaction data T. Then, as shown in step S14, the intermediary mechanism 26 receives the transaction data T and the first code TK1 from the overseas server 24, and issues a payment when the transaction code T is processed by the operation program to form the same first code TK1 as the verification parameter. Page P is given to user device 30. Then, as shown in step S16, the user inserts the financial card into the card reader 32, and enters the financial password F, the payment account number N and the bank code B at the user device 30 to determine the financial password F using the verification program in the financial card. The correctness, when the financial password F is correct, the verification program forms the transaction verification code D by using the financial password F, and the user device 30 inputs the payment account N and the bank code B to the payment page P, and will carry the payment account N. The payment page P and the transaction verification code D with the bank code B are transmitted back to the agency 26. After completing step S16, as shown in step S18, the intermediary mechanism 26 transmits the payment account number N, the transaction verification code D, and the transaction information T to the domestic card issuing financial institution 28 corresponding to the bank code B. Next, as shown in step S20, when the domestic card issuing financial institution 28 corresponding to the bank code B determines that the transaction verification code D is correct, the payment account number N is transmitted from the payment account N through the entrusted bank corresponding to the intermediary institution 26 to the overseas server 24. The overseas cooperative bank also transmits the authorization data A to the agency. This authorization data A contains the store code, end machine code, platform order number, transaction result, response code and transaction processing response time. After the step S20 is completed, as shown in step S22, when the intermediary device 26 processes the authorization data A and the verification parameters by using the calculation program to form the second code TK2, the intermediary mechanism 26 transmits the authorization data A and the second code TK2 to the overseas server. 24. At the same time, the authorization material A is transmitted to the user device 30. Finally, as shown in step S24, when the foreign server 24 forms the same second code TK2 with the authentication parameter using the authorization data A, the authorization data A is stored for inquiry.

In summary, the present invention provides an intermediary agency to resolve domestic card issuing financial institutions and overseas The difference in server connection transactions is combined with the gold flow through centralized methods to reduce the import development cost and time schedule between domestic card issuing financial institutions and overseas servers.

The above is only a preferred embodiment of the present invention, and is not intended to limit the scope of the present invention, so that the shapes, structures, features, and spirits described in the claims of the present invention are equally varied and modified. All should be included in the scope of the patent application of the present invention.

Claims (9)

A cross-border transaction system includes: an overseas transaction website connected to a user device, the user device transacting with the overseas transaction website to establish a transaction data, the transaction data including a transaction amount, a special store code, End-end machine code, platform order number, handling fee, transaction date and transaction time; an overseas server connecting the overseas transaction website and receiving the transaction data, the overseas server processing the transaction data and a verification parameter by using an operation program Forming a first token (token); an intermediary mechanism connecting the foreign server and the user device, and receiving the transaction data and the first code from the foreign server, and processing the program by the intermediary device When the transaction data and the verification parameter form the first code, a payment request is sent to the user device to trigger the user device to transmit a transaction verification code corresponding to a financial card, a bank code and a payment account number. The intermediary agency; and a number of domestic card issuing financial institutions, connected to the intermediary agency, the intermediary agency transmits the payment The account number, the transaction verification code and the transaction information to the domestic card issuing financial institution corresponding to the bank code, when the domestic card issuing financial institution corresponding to the bank code determines that the transaction verification code is correct, the payment account is transmitted through the account The entrusted bank corresponding to the intermediary agency pays the transaction amount to the overseas cooperative bank corresponding to the overseas server. The cross-border transaction system of claim 1, wherein the domestic card issuing financial institution corresponding to the bank code uses a check program to determine that the transaction verification code is correct. The cross-border transaction system of claim 1, wherein the financial card stores a verification program, the user device is connected to a card reader, and the user device receives a financial password, the payment account number and the bank code to utilize The verification program determines that the financial password is correct And when the financial card uses the verification program to determine that the financial password is correct, the verification program uses the financial password to form the transaction verification code. The cross-border transaction system of claim 3, wherein the payment request is a payment page, the user device inputs the payment account and the bank code to the payment page, and the payment account and the bank code are included The payment page is sent to the agency. The cross-border transaction system of claim 3, wherein the user device is a user computer. The cross-border transaction system of claim 3, wherein when the domestic card issuing financial institution corresponding to the bank code determines that the transaction verification code is correct, transmitting an authorization data to the intermediary institution, the intermediary institution uses the operation program, Processing the authorization data and the verification parameter to form a second code, and transmitting the authorization data and the second code to the foreign server, when the foreign server uses the authorization data and the verification parameter to form the second code , store the authorization information for inquiry. The cross-border transaction system of claim 6, wherein the authorization data includes a store code, a terminal code, a platform order number, a transaction result, a response code, and a transaction processing response time. The cross-border transaction system of claim 6, wherein when the intermediary transmits the authorization data and the second code to the foreign server, the intermediary transmits the authorization material to the user device. The cross-border transaction system of claim 1, wherein the domestic card issuing financial institution is a card issuing bank.