TWI662493B - Debit authorization method and system - Google Patents

Abstract

A debit authorization system includes an ATM belonging to a bank and storing a first bank code, and a bank server storing at least a plurality of first customer data. The ATM reads a chip card issued by a target bank and corresponds to a user, obtains at least a target bank code, and manually generates an authorization request, and determines that the target bank code matches the first bank code. When a bank code is transmitted, the authorization request is transmitted to the bank's server and a prompt message is output related to the content of the authorization application that has been submitted to the bank. The bank server generates and stores an authorization result according to the authorization request, and transmits the authorization result to a user end corresponding to the user for display, and transmits the authorization result to an enterprise server to For its storage.

Description

Debit authorization method and system

The present invention relates to an authorization method and system, and particularly to a debit authorization method and system.

The payer can choose to let the payee pay the periodic payable expenses, such as insurance premium, telecommunication fee, loan, cable TV fee, government agency-related fees, etc. by debiting the bank account authorized by the payer.

The current debit authorization method is that the payer uses a personal computer to connect to the corporate server, and uses a card reader connected to the personal computer to read the card information, and then connects to the electronic clearinghouse of the clearing house through the corporate server. System (Electronic Direct Debit Authorisation, eDDA) to transmit the card information and authorized subject matter (such as insurance premiums) to the electronic authorization system via the corporate server, so that the electronic authorization system is transmitted to the bank to which the payer belongs The server end, after receiving the card information, the bank server will send an approved message through the electronic authorization system and the enterprise server to the personal computer in order until it is determined that the card information is legitimate. It shows that the user can know that the authorization is successful.

However, this debit authorization method has at least the following disadvantages:

(1) Each time this authorization method is executed, the data must be processed by the corporate server, and the confidential data must be transmitted between the corporate server and the bank server via the electronic authorization system of the clearing house. The number of nodes is relatively large and time-consuming, and the hardware performance of the server end of each enterprise is inconsistent, and the performance is difficult to stabilize, which makes the operation process very verbose, with an average waiting time of 1.5 minutes;

(2) The enterprise server only provides one official website entrance, and only a certain number of personal computers can be connected at the same time to perform the authorization process; and

(3) The website provided by the corporate server is an open environment, and the personal computers and card readers operated by the payers are of inconsistent quality, so there is a risk of data leakage.

Therefore, an object of the present invention is to provide a debit authorization method that can overcome at least one defect of the prior art.

Therefore, a debit authorization method of the present invention is executed by a system including a user end corresponding to a user, an automatic teller machine belonging to a first bank, and a plurality of corresponding to a plurality of different enterprises, respectively. An enterprise server and a service end of the bank belonging to the first bank and capable of communicating with the user terminal, the automatic teller machine, and the enterprise server, the automatic teller machine stores a first bank corresponding to the first bank Code, the bank's server stores a comparison table and a number of first customer data. The comparison table contains multiple enterprise identification information, multiple identification numbers, and multiple authorized objects corresponding to these companies. The enterprise identification information corresponds to at least one of the identity codes and each identity code corresponds to at least one of the authorized subjects. Each first customer data has a corresponding one issued to the first bank by the first bank. Card identification information of a customer's chip card of the first bank, a bank account number issued to the customer by the first bank, and a unique identity corresponding to the customer Do code, the method comprising:

(A) Through the ATM, read a chip card issued by a target bank and corresponding to the user, and obtain a target card identification information corresponding to the chip card, a target corresponding to the target bank A bank code and a target bank account number issued by the target bank and corresponding to the user;

(B) Through the ATM, a request for authorization subject is generated by human operation, and the request for authorization subject is transmitted to the Bank's server. The request for authorization subject includes a target identity code and a unique identifier corresponding to the user. A target company identification information that uniquely corresponds to one of the target companies of the companies;

(C) The Bank's server responds to the request of the authorized subject according to the target identification code, the target enterprise identification information contained in the request of the authorized subject, and the comparison table stored by the Bank's server And transmitting an authorized subject data to the ATM for output by the automatic teller machine, the authorized subject data includes at least one reference authorized subject among the authorized subjects included in the comparison table, and the at least one reference authorized subject corresponds to the The enterprise identification information and the identity identification code respectively correspond to the target enterprise identification information included in the authorization target request and the target identity identification code included in the authorization target request;

(D) using the automatic teller machine to artificially operate one of the at least one reference authorization target as a target authorization target, and generate a target enterprise identification information including the target authorization target, the target identity identification code, the Authorization request for the target bank account number and the identification information of the target card;

(E) using the ATM to transmit the authorization request to the Bank's server when it is determined that the target bank code matches the first bank code stored by itself; and

(F) Using the Bank's server to respond to the authorization request, determine whether the target identification code, the target card identification information, and the target bank account number included in the authorization request match the bank's server. The card identification information, the bank account number, and the identification code possessed by one of the first customer data of the, and an authorization result indicating the determination result is generated and stored according to the determination result, and the authorization is The result is transmitted to the user terminal for display, and the authorization result is transmitted to the enterprise server corresponding to the target enterprise identification information for storage according to the target enterprise identification information.

In some implementation aspects of the debit authorization method, in step (E), by using the ATM, when determining that the target bank code matches the first bank code stored in itself, not only the authorization request It is sent to the bank's server, and a first prompt message is also output. The first prompt message at least contains the content related to the application for authorization to the first bank.

In some implementation forms of the debit authorization method, the authorization request further includes a communication data corresponding to the user terminal, and the service end of the bank transmits the authorization result to the user terminal according to the communication data.

In some implementation forms of the debit authorization method, the system further includes a ticket exchange server capable of communicating with the bank's server and a plurality of other banks' server ends respectively belonging to a plurality of second banks. A server of another bank stores a plurality of second customer data, and each of the second client data has a chip card corresponding to a chip card issued to the second bank by the second bank owned by the server of the other bank. Card identification information, a bank account number issued to the customer by the second bank, and an identification code unique to the customer, and the ATM also stores a plurality of second Bank code, where the method also includes:

(G) With the ATM, when it is determined that the target bank code matches one of the second bank codes, the authorization request is transmitted to the server of the clearing house so that the server of the clearing house Transmitting the authorization request received from the ATM according to the target bank code to one of the other server servers corresponding to the target server server of the target bank code;

(H) Using the target server to respond to the authorization request, determine whether the target identity code, target card identification information, and target bank account number included in the authorization request match the target server The card identification information, the bank account number, and the identification code possessed by one of the stored second customer data, and an authorization result indicating the determination result is generated and stored according to the determination result, and The authorization result is transmitted to the Bank's server; and

(I) With the service end of the bank, when receiving the authorization result from the server end of the target bank, the authorization result is transmitted to the user terminal for display, and the authorization result is based on the target enterprise. The identification information is transmitted to the enterprise server corresponding to the target enterprise identification information for storage.

In some implementation forms of the debit authorization method, in step (G), when the ATM determines that the target bank code matches one of the second bank codes, it not only authorizes the debit The request is transmitted to the server of the clearing house, and a second prompt message is also output. The second prompt message at least contains the content related to the application for authorization to the second bank corresponding to the target bank code.

In some implementations of the debit authorization method, the ATM is connected to the bank's server via an internal network.

Therefore, another object of the present invention is to provide a debit authorization method, which can overcome at least one defect of the prior art.

A debit authorization method is executed by a system including a user terminal corresponding to a user, an ATM belonging to a first bank, a plurality of enterprise server terminals corresponding to a plurality of different enterprises, and A service end of the bank belonging to the first bank and capable of communicating with the user terminal, the ATM, and the enterprise server, the ATM stores a first bank code corresponding to the first bank and a comparison Table, the comparison table contains a plurality of enterprise identification information, a plurality of identity identifiers, and a plurality of authorized targets respectively corresponding to the enterprises, each enterprise identification information corresponds to at least one of the identity identifiers and each The identity code corresponds to at least one of the authorized subjects. The bank's server stores multiple pieces of first customer information, and each piece of first customer information has a correspondence to the first bank issued by the first bank. Card identification information of a customer ’s chip card, a bank account number issued to the customer by the first bank, and an identification code unique to the customer, the party It includes:

(A) Through the ATM, read a chip card issued by a target bank and corresponding to the user, and obtain a target card identification information corresponding to the chip card, a target corresponding to the target bank A bank code and a target bank account number issued by the target bank and corresponding to the user;

(B) through the ATM, a request for authorization is generated manually, the authorization request includes a target identity uniquely corresponding to the user and a target enterprise uniquely corresponding to one of the target enterprises of the enterprises Identification information

(C) using the ATM to output an authorized subject data, the authorized subject data according to the target identity code, the target business identification information included in the request of the authorized subject, and the comparison table stored by the ATM. Containing at least one of the authorized objects in the comparison table that refers to the authorized object, and the corresponding enterprise identification information and the identity code of the at least one reference authorized object respectively match the target included in the authorized object request Business identification information and the target identification number;

(D) using the automatic teller machine to artificially operate one of the at least one reference authorization target as a target authorization target, and generate a target enterprise identification information including the target authorization target, the target identity identification code, the Authorization request for the target bank account number and the identification information of the target card;

(E) using the ATM to transmit the authorization request to the Bank's server when it is determined that the target bank code matches the first bank code stored by itself; and

(F) Using the Bank's server to respond to the authorization request, determine whether the target identification code, the target card identification information, and the target bank account number included in the authorization request match the bank's server. The card identification information, the bank account number, and the identification code possessed by one of the first customer data of the, and an authorization result indicating the determination result is generated and stored according to the determination result, and according to a corresponding The communication data at the user terminal transmits the authorization result to the user terminal for display, and transmits the authorization result according to the target enterprise identification information to the enterprise server corresponding to the target enterprise identification information for its Save.

Another object of the present invention is to provide a debit authorization system, which can overcome at least one defect of the prior art.

Therefore, a debit authorization system of the present invention is adapted to communicate with a user terminal corresponding to a user and a plurality of enterprise server terminals corresponding to different enterprises via a first communication network. The system includes an automatic ATM and a bank server. The ATM belongs to a first bank, has a user input-output interface, and stores a first bank code corresponding to the first bank. The server of the bank communicates with the ATM via a second communication network, and communicates with the server of the enterprises via the first communication network, and stores a comparison table and a plurality of first customer data. The comparison table contains multiple Corresponding to the enterprise identification information, multiple identification codes, and multiple authorized objects of the enterprises, each enterprise identification information corresponds to at least one of the identification codes and each identification code corresponds to the At least one of the authorized subjects, each first customer data has a card identification information corresponding to a chip card issued by the first bank to a customer of the first bank, and one issued by the first bank to the customer Bank account number and a unique identification number corresponding to the customer;

The ATM reads a chip card issued by a target bank and corresponds to the user, and obtains a target card identification information corresponding to the chip card, a target bank code corresponding to the target bank, and a The target bank account issued by the target bank and corresponding to the user;

The ATM manually generates an authorization target request and transmits the request of the authorization target to the bank's server. The authorization target request includes a target identity uniquely corresponding to the user and a uniquely corresponding to the enterprises. Target company identification information of one of the target companies;

The Bank's server responds to the request of the authorized subject, and transmits an authorized subject data according to the target identification number, the target enterprise identification information contained in the request of the authorized subject, and the comparison table stored by the Bank's server. To the automatic teller machine for output by the automatic teller machine, the authorized subject information includes at least one reference authorized subject among the authorized subjects included in the comparison table, and each reference authorized subject has a corresponding identification table with the enterprise identification The information and the identity identification code respectively correspond to the target enterprise identification information and the target identity identification code included in the request of the authorized subject;

The automatic teller machine uses the at least one reference authorization target as a target authorization target by human operation, and generates a target authorization target, the target enterprise identification information, the target identity identification code, the target bank account number, and the target card identification. Information authorization request;

When the ATM determines that the target bank code matches the first bank code stored in itself, it sends the authorization request to the bank's server;

The Bank's server responds to the authorization request to determine whether the target identification number, the target card identification information, and the target bank account number included in the authorization request match the first customers stored in the Bank's server The card identification information, the bank account number, and the identification code possessed by one of the data are generated, and an authorization result indicating the determination result is generated and stored according to the determination result, and the authorization result is transmitted to the user Display it, and send the authorization result according to the target enterprise identification information to the enterprise server corresponding to the target enterprise identification information for storage.

In some implementation aspects of the debit authorization system, when the ATM determines that the target bank code matches the first bank code stored in itself, it not only transmits the authorization request to the bank's server, but also A first prompt message is output, and the first prompt message includes at least content related to an authorization application that has been submitted to the first bank.

In some implementation forms of the debit authorization system, the authorization request further includes a communication data corresponding to the user, and the service end of the bank transmits the authorization result to the user end according to the communication data.

In some implementations of the debit authorization system, the bank's server is also adapted to communicate with the server of a clearing house and a plurality of servers of other banks respectively belonging to a plurality of second banks via the first communication network. Communication, each other's server stores multiple pieces of second customer data, each second customer data has a corresponding to a second bank issued by the second bank to which the other server belongs The card identification information of the chip card, a bank account number issued to the customer by the second bank, and an identification code unique to the customer, wherein:

The ATM further includes a plurality of second bank codes respectively corresponding to the second banks;

When the ATM determines that the target bank code matches one of the second bank codes, it transmits the authorization request to the server of the clearing house, so that the server of the clearing house will receive according to the target bank code. The authorization request from the ATM is transmitted to one of the other server servers corresponding to the target server code of the target bank code, and a second prompt message is output. The second prompt message includes at least the The content of the authorization application filed by the second bank corresponding to the target bank code;

The target server responds to the authorization request, and judges whether the target identification code, the target card identification information, and the target bank account number included in the authorization request match the first stored in the target server. Two pieces of customer information: the card identification information, the bank account number, and the identification code, and an authorization result indicating the determination result is generated and stored according to the determination result, and the authorization result is transmitted to the Our server; and

When the server of the bank receives the authorization result from the server of the target bank, it transmits the authorization result to the user terminal for display, and transmits the authorization result to the corresponding enterprise based on the target enterprise identification information. The target server identifies the enterprise server of the information for storage.

In some implementations of the debit authorization system, when the ATM determines that the target bank code matches the second bank code stored in itself, it not only transmits the authorization request to the server of the ticket exchange, but also A second prompt message is further output, and the second prompt message includes at least content related to the application for authorization to the second bank corresponding to the target bank code.

In some implementations of the debit authorization system, the second communication network is an internal network.

In some implementations of the debit authorization system, the comparison table stored by the Bank's server also has multiple authorization category items, each authorization category item corresponding to at least one of the enterprise identification information.

Another object of the present invention is to provide a debit authorization system that can overcome at least one defect of the prior art.

A debit authorization system is adapted to communicate with a user terminal corresponding to a user and a plurality of enterprise server terminals corresponding to different enterprises through a first communication network. The system includes an automatic teller machine and a computer. OK server. The ATM belongs to a first bank, has a user input and output interface, and stores a first bank code corresponding to the first bank and a comparison table. The comparison table includes a plurality of For enterprise identification information, multiple identification numbers, and multiple authorized objects, each enterprise identification information corresponds to at least one of the identification numbers and each identification number corresponds to at least one of the authorized objects . The server of the Bank communicates with the ATM via a second communication network, and communicates with the server of the enterprise via the first communication network, and stores a plurality of first customer data, each of which has one Card identification information corresponding to a chip card issued by the first bank to a customer of the first bank, a bank account number issued to the customer by the first bank, and an identification code unique to the customer ;

The ATM reads a chip card issued by a target bank and corresponds to the user, and obtains a target card identification information corresponding to the chip card, a target bank code corresponding to the target bank, and a The target bank account issued by the target bank and corresponding to the user;

The ATM artificially generates a request for authorization subject, the authorization subject request includes a target identity uniquely corresponding to the user and a target enterprise identification information uniquely corresponding to one of the target enterprises of the enterprises;

The ATM outputs an authorized subject data according to the target identity identification code, the target business identification information included in the request according to the authorized subject, and the comparison table stored by the Bank's server, and the authorized subject data includes the comparison If at least one of the authorization targets in the table refers to the authorization target, the corresponding identification table of the reference authorization table corresponding to each of the reference authorization targets respectively matches the target included in the authorization target request. Business identification information and the target identification number;

The automatic teller machine uses the at least one reference authorization target as a target authorization target by human operation, and generates a target authorization target, the target enterprise identification information, the target identity identification code, the target bank account number, and the target card identification. Information authorization request;

When the ATM determines that the target bank code matches the first bank code stored in itself, it sends the authorization request to the bank's server;

The Bank's server responds to the authorization request to determine whether the target identification number, the target card identification information, and the target bank account number included in the authorization request match the first customers stored in the Bank's server The card identification information, the bank account number, and the identification code possessed by one of the data are generated, and an authorization result including the determination result is generated and stored according to the determination result, and the authorization result is corresponding to the use according to a The communication data of the client end is transmitted to the user end for display, and the authorization result is transmitted to the enterprise server end corresponding to the target enterprise identification information for storage according to the target enterprise identification information.

The effect of the present invention is that in this embodiment, the process of transmitting data through the server and other servers of the ticket exchange can be selectively omitted, which is relatively time-saving and stable in performance, and the average waiting time is only about 30 seconds.

Before the present invention is described in detail, it should be noted that in the following description, similar elements are represented by the same numbers.

Referring to FIG. 1 and FIG. 2, an embodiment of the debit authorization system 100 of the present invention includes a plurality of ATMs belonging to a first bank and a first bank belonging to the first bank and communicating with the automatic bank via a second communication network 32. The Bank's server 2 communicating with ATM 1. In this embodiment, the second communication network 32 is an internal network belonging to the first bank.

The ATM 1 has a user input / output interface 11 including, for example, a display screen, an operation keyboard, and a printing module, and stores a first bank code P ₁ corresponding to the first bank and a plurality of corresponding banks. The second bank code P ₂ of the second banks which are different from each other. For example, the first bank is, for example, Bank A, and the second banks are, for example, Bank B and Bank C.

The server 2 of the bank stores a comparison table T and a plurality of first customer data D ₁ . The comparison table T includes a plurality of authorization category items T ₁ , a plurality of enterprise identification information T ₂ corresponding to a plurality of different enterprises, a plurality of identity identification codes T ₃ , and a plurality of authorization targets T ₄ . In this embodiment, the authorized category items T ₁ include authorized subjects such as “telecommunications fee”, “credit card fee”, and “gas fee”, but are not limited thereto. The enterprise identification information T ₂ includes, for example, enterprise identification information corresponding to enterprises A, B telecommunication, C telecommunication, Dingdian power, and E credit card companies. In this embodiment, each enterprise identification information T ₂ For example, it is stored in the form of an identification code, but is not limited thereto. Each identity identification code T _{3 is,} for example, an identity card number.

In this embodiment, each authorized category item T ₁ corresponds to at least one of the enterprise identification information T _2. For example, the authorized category item T ₁ corresponding to “telecommunications fee” corresponds to A telecommunication enterprise, B telecommunication Enterprise identification information T _{2 for} enterprises and C telecommunications enterprises. In this embodiment, each enterprise identification information T ₂ corresponds to at least one of the identity identification codes T _3. For example, the telecommunication enterprise's enterprise identification information T ₂ corresponds to the identity identification codes T ₃ For example, there are hundreds of thousands of identification numbers including Wang Xiaoming's ID number "T123144354" and other ID numbers belonging to telecommunication company A. Each identity identification code T ₃ correspond to those authorized target T ₄ in which at least one, for example, corresponds to Xiaoming identity identifier T ₃ ( "T123144354") authorized the subject of T ₄ contains, for example Xiaoming registered in Chunghwa Telecom Three sets of phone numbers "0911111111", "0922222222" and "0933333333".

Each first customer data D ₁ has a card identification information D ₁₁ corresponding to a chip card issued by the first bank to a customer of the first bank, and a bank account number issued by the first bank to the customer. D ₁₂ and an identification code D ₁₃ uniquely corresponding to the customer. For example, one of the first customer data D ₁ corresponds to Wang Xiaoming, which means that Wang Xiaoming is a customer of the First Bank, so the identity identification code D13 of the first customer data D _{1 is} the identity of Wang Xiaoming. Certificate number "T123456789".

In this embodiment, the service end 2 of the bank is adapted to pass through a first communication network 31 and a user end 200 corresponding to a user, such as a smart phone, and a plurality of The enterprise server 300, for example, the clearing house server 400 attributable to the Taiwan Clearing House, and a plurality of other server servers 500 attributable to the second banks, respectively. In this embodiment, the first communication network 31 is, for example, an external network that does not belong to the first bank. Each other server 500 stores a plurality of second customer data D ₂ , and each second customer data D ₂ has a correspondence to the second bank issued by the second bank to which the other server 500 belongs. Card identification information D ₂₁ of a customer's chip card, a bank account D ₂₂ issued to the customer by the second bank, and an identification code D ₂₃ uniquely corresponding to the customer. Each instance of the second customer profile D ₂ is similar to the instance of the first customer profile D ₁ and will not be repeated here.

In this embodiment, the chip card is, for example, a financial card, and each card identification information D ₁₁ (D ₂₁ ) is, for example, a card number of a financial card, an IC transaction serial number, or a signature data TAC, and is not limited thereto.

The following describes, in conjunction with FIG. 1 to FIG. 4, how this embodiment implements an embodiment of the debit authorization method of the present invention.

First, in step S1, one of the ATMs 1 (hereinafter referred to as the ATM 1) reads a chip card issued by a target bank and corresponding to the user, and obtains a chip card corresponding to the chip card. Target card identification information, a target bank code corresponding to the target bank, and a target bank account number issued by the target bank and corresponding to the user.

Then, in step S2, the ATM 1 generates a request for authorization subject to manual operation. The authorization subject request includes a target identity uniquely corresponding to the user and a target enterprise identification information uniquely corresponding to one of the target enterprises of the enterprises. For example, following the previous example, the ATM 1 reads a financial card inserted by Wang Xiaoming and issued by Bank A (the target bank), and then manipulates by Wang Xiaoming to transfer an identity card number containing Wang Xiaoming (that is, the target (Identity identification code) and the enterprise identification code (target enterprise identification information) corresponding to the telecommunications company A are transmitted to the bank's server 2.

Then, in step S3, the server 2 of the bank responds to the request of the authorized subject, according to the target identity identifier, the target enterprise identification information included in the request of the authorized subject, and the stored in the server 2 of the bank The comparison table T is selected from the comparison table T for at least one of the authorization targets T ₄ of the comparison table T that refers to the authorization target, and each of the reference authorization targets corresponds to the enterprise included in the comparison table T. The identification information T ₂ and the identity identification code T ₃ respectively correspond to the target enterprise identification information and the target identity identification code included in the request of the authorized subject, so as to generate an authorized subject data and transmit the authorized subject data to the ATM 1 for the ATM 1 to display. Continuing the previous example, the ATM 1 displays three sets of telephone numbers "0911111111" and "0922222222" corresponding to the corporate identification number of the telecommunications company A and the identity of Wang Xiaoming, based on the data of the authorized subject received from the bank's server 2 "And" 0933333333 "(i.e., three reference authorized subjects).

Then, in step S4, the ATM 1 manually uses the at least one reference authorization target as a target authorization target, and generates a target authorization target, the target enterprise identification information, the target identity identification code, and the target bank. The account number, the target card identification information, and an authorization request corresponding to a user's communication data. Continuing the previous example, the ATM 1 is operated by Wang Xiaoming and uses "0911111111" as the target authorization target, and uses Wang Xiaoming's mobile phone number as the communication information. In other implementation aspects, the communication information is not limited to a mobile phone number, for example, it may be an email address and the like.

It is added that in other embodiments, the comparison table T can also be stored in the ATM 1, so that the ATM 1 can generate and display the comparison table T according to the authorized target and the stored comparison table T itself. Authorize the subject information without sending a request for authorizing the subject to the Bank's server 2.

Next, in step S5, the ATM 1 determines whether the target bank code matches the first bank code P ₁ stored in itself. When the ATM 1 determines that the target bank code matches the first bank code P ₁ stored in itself, the flow proceeds to step S6, and the system executes a bank authorization procedure. Continuation of the previous example, the automated teller machine 1 is judged from _one and the same obtained Xiaoming inserted by the object code that the bank A chip card issued by the bank and the first bank code P, so the flow proceeds to step S6.

Referring to FIG. 3, in the authorization procedure of the Bank, first, in step S61, the ATM 1 transmits the authorization request to the Bank's server 2 and outputs a first prompt message, such as at least Contains content related to an authorization application that has been filed with the first bank. Continuing the previous example, the first prompt message printed or displayed on the ATM 1 includes, for example, the target bank account number, "0911111111" (that is, the subject of authorization), "Bank A" (that is, the first bank), and "deduction" The authorization application for this paragraph has been completed, and the authorization result will be notified by text message.

Next, in step S62, the server 2 of the bank responds to the authorization request to determine (verify) whether the target identity identification code, the target card identification information, and the target bank account number included in the authorization request match the bank. The card identification information, the bank account number, and the identification code possessed by one of the first client data D ₁ stored in the server 2. Then, in step S63, the server 2 of the bank generates and stores an authorization result indicating the determination result according to the determination result. Then, in step S64, the server 2 of the bank transmits the authorization result to the user terminal 200 for display according to the communication data, and transmits the authorization result to the target enterprise corresponding to the target enterprise identification information according to the communication information. The enterprise server 300 is identified for storage. Continuing the previous example, the authorization result indicates that the authorization was successful, and the Bank's server 2 (that is, the server belonging to Bank A) and the server corresponding to the telecommunications company A (and the enterprise server of the target enterprise identification information) 300) The authorization result is stored, so that the server end of the telecommunication company A can send a request for deduction of the telecommunication fee corresponding to the mobile phone number of "0911111111" to the computer at a predetermined time according to the authorization result. The server 2 is used for debiting. In addition, the user terminal 200 held by Wang Xiaoming displays, for example, "Bank A has successfully (or unsuccessfully) authorized the automatic deduction of your mobile phone door number 0911111111" and other text content.

It is worth noting that this method can execute the first authorization procedure without using the server 400 of the clearing house and the server 500 of other banks. Compared with the prior art, the number of nodes is relatively small, so it is relatively economical. Advantages.

On the other hand, when the ATM 1 judges that the target bank code does not match the first bank code P ₁ stored in itself, as in step S7, the ATM 1 judges whether the target bank code matches the second banks. One of the codes P ₂ . When the ATM 1 determines that the target bank code matches one of the second bank codes P ₂ , the process proceeds to step S8, and the system executes a combination of the ticket server server 400 and the other server servers 500 Authorization procedures. Referring to FIG. 3, in the authorization procedure of the other bank, first, in step S81, the ATM 1 transmits the authorization request to the server 300 of the clearing house and outputs a second prompt message. The second prompt message includes at least It is related to the content that the debit authorization application has been filed with the second bank corresponding to the target bank code. In this embodiment, the second prompt message also includes text content similar to the first prompt message, which will not be repeated here.

Then, in step S82, the clearinghouse server 400 transmits the authorization request received from the ATM 1 to the other banks' server 500 according to the target bank code, and one of the servers corresponds to the target bank's target bank. The server.

Then, in step S83, the target server responds to the authorization request, and determines whether the target identity identification code, the target card identification information, and the target bank account number included in the authorization request match the target server. The stored card identification information D ₂₁ , the bank account number D ₂₂ , and the identity identification code D ₂₃ that one of the stored second customer data D ₂ has. Then, in step S84, the target server generates and stores an authorization result indicating the determination result according to the determination result. Then, in step S85, the server of the target bank transmits the authorization result to the server 2 of the bank.

Finally, in step S86, when the bank server 2 receives the authorization result from the server of the target bank, it transmits the authorization result to the user terminal 200 for display according to the communication data, and displays the authorization result. The authorization result is transmitted to the enterprise server 300 corresponding to the target enterprise identification information for storage according to the target enterprise identification information.

It is worth noting that the user sees the first or second prompt message displayed or printed by the ATM 1 to know that the authorization application has been completed. After that, even if the user leaves the ATM 1, it can be displayed via the user terminal 200. The authorization result tells whether the authorization was successful. In other words, the user does not need to wait for the part of steps S62 to S64 in the authorization process of the bank or part of steps S82 to S86 in the authorization process of the other bank before the ATM 1, compared to In the prior art, the user needs to wait for the authorization result in front of the personal computer, which has the advantage of being relatively convenient.

It is added that, in this embodiment, the communication data is input by the user when the ATM 1 generates the request of the authorized subject through the user operation (step S2), but is not limited thereto. In other implementations, each first customer data D ₁ and each second customer data D ₂ further have a corresponding communication data. In this way, the request for authorization subject need not include the communication data, but in the In the authorization process of the Bank, the server 2 of the Bank may transmit the authorization result to the user terminal 200 for display according to the communication information contained in the first customer data D ₁ corresponding to the target identity code. On the other hand, in the authorization process of the other bank, the server 500 of the other bank may include the communication information included in the second customer data D ₂ corresponding to the target identity code in the authorization result, so as to This enables the server 2 of the bank to transmit the authorization result to the user terminal 200 for display according to the communication data included in the authorization result.

In summary, in this embodiment, the process of transmitting data through the server 400 of the ticket exchange and the server 500 of other banks can be selectively omitted, which is relatively time-saving and stable in performance. The average waiting time is only about 30 seconds. . Furthermore, the ATM 1 can display a message that a debit authorization application has been filed (ie, the first / second prompt message) when transmitting the authorization request, thereby reminding the user that the debit authorization application has been completed, After that, the user can obtain the authorization result through the user terminal 200 of the user without waiting in front of the ATM 1, which is relatively convenient to use. In addition, the ATM 1 and the Bank's server 2 communicate with each other via an internal network, and the security of personal data protection is relatively high.

However, the above are only examples of the present invention. When the scope of implementation of the present invention cannot be limited in this way, any simple equivalent changes and modifications made in accordance with the scope of the patent application and the content of the patent specification of the present invention are still Within the scope of the invention patent.

100‧‧‧ debit authorization system

1‧‧‧ ATM

11‧‧‧User input and output interface

2‧‧‧ Bank's server

31‧‧‧First communication network

32‧‧‧Second communication network

200‧‧‧user

300‧‧‧Enterprise server

400‧‧‧ Ticket Exchange Server

500‧‧‧ other server

P ₁ ‧‧‧First Bank Code

P ₂ ‧‧‧Second bank code

T‧‧‧ Comparison Table

T ₁ ‧‧‧ Authorized category item

T ₂ ‧‧‧Enterprise identification information

T ₃ ‧‧‧ID

T ₄ ‧‧‧ authorized subject

D ₁ ‧‧‧First Customer Information

D ₁₁ ‧‧‧Card Identification Information

D ₁₂ ‧‧‧Bank Account

D ₁₃ ‧‧‧Identity ID

D ₂ ‧‧‧Second Client Information

D ₂₁ ‧‧‧Card Identification Information

D ₂₂ ‧‧‧Bank Account

D ₂₃ ‧‧‧Identity ID

S1 ~ S8‧‧‧ steps

S61 ~ S64‧‧‧step

S81 ~ S86‧‧‧step

Other features and effects of the present invention will be clearly presented in the embodiment with reference to the drawings, in which: FIG. 1 is a block diagram illustrating an embodiment of the debit authorization system of the present invention; FIG. 2 is a flowchart, An embodiment of the debit authorization method of the present invention is described; FIG. 3 is a flowchart illustrating step S6 of FIG. 2; and FIG. 4 is a flowchart illustrating step S8 of FIG. 2.

Claims (15)

A debit authorization method is executed by a system including a user terminal corresponding to a user, an ATM belonging to a first bank, a plurality of enterprise server terminals corresponding to a plurality of different enterprises, and A service end of the bank belonging to the first bank and capable of communicating with the user terminal, the ATM, and the enterprise server end, the ATM stores a first bank code corresponding to the first bank, and this book The bank server stores a comparison table and a plurality of first customer data. The comparison table contains a plurality of enterprise identification information, multiple identification codes, and multiple authorized objects corresponding to these enterprises. Each enterprise identification information corresponds to At least one of the identity codes and each identity code corresponds to at least one of the authorized subjects, each first customer profile has a correspondence corresponding to the one issued by the first bank to the first bank. Card identification information of a customer ’s chip card, a bank account number issued to the customer by the first bank, and an identification code unique to the customer, the party Including: (A) through the ATM, read a chip card issued by a target bank and corresponding to the user, and obtain a target card identification information corresponding to the chip card, a corresponding to the target bank The target bank code issued by the target bank and a target bank account number corresponding to the user issued by the target bank; (B) through the automatic teller machine, a request for authorization subject is generated by human operation, and the request for authorization subject is transmitted to In the Bank's server, the authorization subject request includes a target identity uniquely corresponding to the user and a target enterprise identification information uniquely corresponding to one of the target enterprises of these enterprises; (C) through the Bank's services In response to the request of the authorized subject, according to the target identification code, the target enterprise identification information and the comparison table stored in the Bank's server, the authorized subject sends the authorized subject data to the automatic target. A teller machine for output by the ATM, the authorized subject information includes at least one of the authorized subjects in the comparison table The authorized subject is tested, and the corresponding enterprise identification information and the identification code corresponding to the at least one reference authorized subject respectively match the target enterprise identification information and the target identity included in the request of the authorized object; (D) by The automated teller machine uses the one of the at least one reference authorization target as a target authorization target through manual operation, and generates a target authorization target, the target enterprise identification information, the target identity identification code, the target bank account number, and Authorization request for the target card identification information; (E) using the ATM to transmit the authorization request to the Bank's server when it is determined that the target bank code matches the first bank code stored by itself; and (F) Using the Bank's server to respond to the authorization request, determine whether the target identification code, the target card identification information, and the target bank account number included in the authorization request match the bank's server. The card identification information, the bank account number, and the identity identification possessed by one of the first customer data of Code, and generate and store an authorization result indicating the determination result according to the determination result, and transmit the authorization result to the user end for display by the communication data corresponding to the user end, and the authorization The result is transmitted to the enterprise server corresponding to the target enterprise identification information for storage according to the target enterprise identification information. The debit authorization method according to claim 1, wherein, in step (E), when the automatic teller machine determines that the target bank code matches the first bank code stored in itself, not only the authorization The request is transmitted to the service end of the bank, and a first prompt message is further output. The first prompt message at least contains content related to the application for authorization to the first bank. The debit authorization method according to claim 1, wherein the authorization request further includes the communication information corresponding to the user terminal, and the service end of the bank transmits the authorization result to the user terminal according to the communication information. The debit authorization method according to any one of claims 1 to 3, wherein the system further includes a ticket exchange server capable of communicating with the bank's server and a plurality of second banks respectively belonging to a plurality of second banks. The other server's server end, each other server's server stores multiple pieces of second customer data, each second customer data has a corresponding to the second bank issued by the other server to the second bank Card identification information of a customer ’s chip card, a bank account number issued to the customer by the second bank, and an identification code unique to the customer, and the ATM also stores a plurality of The second bank code of the second bank, the method further comprising: (G) using the ATM to transmit the authorization request to the second bank code when it is determined that the target bank code matches one of the second bank codes The server of the clearinghouse, so that the server of the clearinghouse transmits the authorization request received from the ATM to the other bank server corresponding to the target bank of the target bank code according to the target bank code The server, and output a second prompt message, the second prompt message at least contains the content related to the authorization application has been submitted to the second bank corresponding to the target bank code; (H) through the target other server , In response to the authorization request, determine whether the target identity identification code, the target card identification information, and the target bank account number included in the authorization request match one of the second customer data stored on the server of the target bank The card identification information, the bank account number, and the identification code possessed by the owner, and an authorization result indicating the determination result is generated and stored according to the determination result, and the authorization result is transmitted to the Bank's server; And (I) through the server of the bank, when receiving the authorization result from the server of the target bank, the authorization result is transmitted to the user terminal for display, and the authorization result is based on the target The enterprise identification information is transmitted to the enterprise server corresponding to the target enterprise identification information for storage. The debit authorization method according to claim 4, wherein, in step (G), when the ATM determines that the target bank code matches one of the second bank codes, it not only requests the authorization It is transmitted to the server of the ticket exchange, and a second prompt message is further output. The second prompt message at least contains the content related to the application for authorization to the second bank corresponding to the target bank code. The debit authorization method according to claim 1, wherein the ATM is connected to the bank's server via an internal network. A debit authorization method is executed by a system including a user terminal corresponding to a user, an ATM belonging to a first bank, a plurality of enterprise server terminals corresponding to a plurality of different enterprises, and A service end of the bank belonging to the first bank and capable of communicating with the user terminal, the ATM, and the enterprise server, the ATM stores a first bank code corresponding to the first bank and a comparison Table, the comparison table contains a plurality of enterprise identification information, a plurality of identity identifiers, and a plurality of authorized targets respectively corresponding to the enterprises, each enterprise identification information corresponds to at least one of the identity identifiers and each The identity code corresponds to at least one of the authorized subjects. The bank's server stores multiple pieces of first customer information, and each piece of first customer information has a correspondence to the first bank issued by the first bank. Card identification information of a customer ’s chip card, a bank account number issued to the customer by the first bank, and an identification code unique to the customer, the party Including: (A) through the ATM, read a chip card issued by a target bank and corresponding to the user, and obtain a target card identification information corresponding to the chip card, a corresponding to the target bank The target bank code issued by the target bank and a target bank account number corresponding to the user issued by the target bank; (B) through the automatic teller machine, a request to authorize the subject is generated by human operation, and the request for the authorised subject contains a unique correspondence The target identification number of the user and a target enterprise identification information that uniquely corresponds to one of the target enterprises of the enterprise; (C) using the ATM, according to the target identification code included in the request of the authorized subject, The target enterprise identification information and the comparison table stored in the ATM output an authorized subject data, the authorized subject data includes at least one of the authorized subjects in the comparison table that refers to the authorized subject, and the at least one The corresponding enterprise identification information and the identity identification code corresponding to the authorized subject refer to the authorized subject Seeking the target enterprise identification information and the target identity identification code included; (D) using the ATM to manually manipulate one of the at least one reference authorization target as a target authorization target, and generating a target including the target Authorization request of the authorized subject, the target enterprise identification information, the target identity identification code, the target bank account number, and the target card identification information; (E) using the ATM to determine that the target bank code is consistent with its own storage The first bank code, the authorization request is transmitted to the Bank's server; and (F) the Bank's server responds to the authorization request to determine the target identity code included in the authorization request , Whether the target card identification information and the target bank account number match the card identification information, the bank account number, and the identification code of one of the first customer data stored in the Bank's server, and An authorization result indicating the determination result is generated and stored according to the determination result, and according to a communication data corresponding to the user end The authorization result is transmitted to the user terminal for display, and the authorization result is transmitted to the enterprise server corresponding to the target enterprise identification information for storage according to the target enterprise identification information. A debit authorization system is adapted to communicate with a user terminal corresponding to a user and a plurality of enterprise server terminals corresponding to different enterprises through a first communication network. The system includes: an automatic teller machine, belonging to A first bank has a user input-output interface and stores a first bank code corresponding to the first bank; and a bank server communicates with the ATM via a second communication network, and Communicates with the servers of the enterprises via the first communication network, and stores a comparison table and a plurality of first customer data, the comparison table contains a plurality of enterprise identification information, a plurality of identity codes, And multiple authorized targets, each enterprise identification information corresponds to at least one of the identification codes and each identification code corresponds to at least one of the authorized targets, and each first customer data has a corresponding Card identification information for a chip card issued by the first bank to a customer of the first bank, and a bank account number issued to the customer by the first bank And a unique identification code corresponding to the customer; wherein the ATM reads a chip card issued by a target bank and corresponds to the user, and obtains target card identification information corresponding to the chip card, A target bank code corresponding to the target bank, and a target bank account number issued by the target bank and corresponding to the user; wherein the automatic teller machine artificially generates a request for authorization, and sends the request for authorization to the target The server of the Bank is transmitted, and the request of the authorized subject includes a target identity uniquely corresponding to the user and a target enterprise identification information uniquely corresponding to one of the target enterprises of the enterprises; wherein the Bank's server responds At the request of the authorized subject, according to the target identification code, the target enterprise identification information and the comparison table stored in the Bank's server, the authorized subject data is sent to the ATM for the ATM. The ATM output, the authorized subject information includes the authorizations in the comparison table If at least one of the tokens refers to the authorized object, the corresponding identification table of each reference authorized object has the enterprise identification information and the identity code that respectively match the target enterprise identification information and the target included in the authorization object request Identity identification code; wherein, the ATM machine uses the at least one reference authorization target as a target authorization target through manual operation, and generates a target enterprise identification information, the target identity identification code, and the target bank account number including the target authorization target. And the authorization request for the identification information of the target card; wherein, when the ATM determines that the target bank code matches the first bank code stored in the ATM, the authorization request is transmitted to the bank's server; wherein, the The Bank's server responds to the authorization request to determine whether the target identification code, the target card identification information, and the target bank account number included in the authorization request match the first customer information stored in the Bank's server One of the card identification information, the bank account number, and the body An identification code, and generates and stores an authorization result including the determination result according to the determination result, and transmits the authorization result to the user end for display according to a communication data corresponding to the user end, and the authorization is displayed The result is transmitted to the enterprise server corresponding to the target enterprise identification information for storage according to the target enterprise identification information. The debit authorization system according to claim 8, wherein when the ATM determines that the target bank code matches the first bank code stored in itself, it not only transmits the authorization request to the bank's server, but also A first prompt message is further output. The first prompt message includes at least content related to an authorization application that has been submitted to the first bank. The debit authorization system according to claim 8, wherein the authorization request further includes the communication information corresponding to the user, and the service end of the bank transmits the authorization result to the user end according to the communication information. According to the debit authorization system described in any one of claims 8 to 10, the bank's server is further adapted to communicate with the server of a clearing house via the first communication network and a plurality of second banks respectively belonging to a plurality of second banks. Other server communication, each server stores multiple second customer data, each second customer data has a correspondence to the second bank issued by the second bank to which the other server belongs Card identification information of a customer ’s chip card, a bank account number issued to the customer by the second bank, and an identification code unique to the customer, wherein: the ATM further includes a plurality of Wait for the second bank code of the second bank; when the ATM determines that the target bank code matches one of the second bank codes, the authorization request is transmitted to the server of the ticket exchange so that the ticket is paid The server sends the authorization request received from the ATM to the other server's server corresponding to the target bank's server according to the target bank code; the target's other bank The server responds to the authorization request, and determines whether the target identity identification code, the target card identification information, and the target bank account number included in the authorization request match the second customer information stored on the server of the target. One has the card identification information, the bank account number, and the identification code, and generates and stores an authorization result indicating the determination result according to the determination result, and transmits the authorization result to the Bank's server ; And when the server of the bank receives the authorization result from the server of the target bank, it transmits the authorization result to the user terminal for display, and transmits the authorization result to the target enterprise identification information to The enterprise server corresponding to the target enterprise identification information is provided for storage. The debit authorization system according to claim 11, wherein when the ATM determines that the target bank code matches the second bank code stored in itself, it not only transmits the authorization request to the server of the ticket exchange, A second prompt message is further output, and the second prompt message includes at least content related to the application for authorization to the second bank corresponding to the target bank code. The debit authorization system according to claim 8, wherein the second communication network is an internal network. The debit authorization system according to claim 8, wherein the comparison table stored by the bank's server also has multiple authorization category items, and each authorization category item corresponds to at least one of the enterprise identification information. A debit authorization system is adapted to communicate with a user terminal corresponding to a user and a plurality of enterprise server terminals corresponding to different enterprises through a first communication network. The system includes: an automatic teller machine, belonging to A first bank has a user input and output interface, and stores a first bank code corresponding to the first bank and a comparison table, the comparison table contains a plurality of enterprise identification information corresponding to the enterprises , Multiple identification numbers, and multiple authorized targets, each enterprise identification information corresponds to at least one of the identification numbers and each identification number corresponds to at least one of the authorized targets; and a bank The server communicates with the ATM via a second communication network, and communicates with the enterprise server via the first communication network, and stores a plurality of first customer data, each first customer data has a corresponding Card identification information of a chip card issued by the first bank to a customer of the first bank, and a bank account number issued to the customer by the first bank And a unique identification code corresponding to the customer; wherein the ATM reads a chip card issued by a target bank and corresponds to the user, and obtains target card identification information corresponding to the chip card, A target bank code corresponding to the target bank, and a target bank account number issued by the target bank and corresponding to the user; wherein the automatic teller machine manually generates a request for authorization, and the request for authorization includes A target identity uniquely corresponding to the user and a target enterprise identifying information uniquely corresponding to one of the target enterprises of the enterprises; wherein the ATM is based on the target identity identifier, the target The target company identification information and the comparison table stored by the Bank's server end output an authorized subject data, the authorized subject data includes at least one of the authorized subjects in the comparison table that refers to the authorized subject, each reference The company ’s identification information and The identity identification code is respectively consistent with the target enterprise identification information and the target identity identification code included in the request of the authorization target; wherein the atm machine manually uses the at least one reference authorization target as a target authorization target and generates a Authorization request including the target authorization target, the target enterprise identification information, the target identity identification code, the target bank account number, and the target card identification information; wherein the ATM determines that the target bank code matches the stored in itself When the first bank code, the authorization request is transmitted to the bank's server; wherein, the bank's server responds to the authorization request to determine the target identification code and the target card identification information included in the authorization request 2. Whether the target bank account number matches the card identification information, the bank account number, and the identity identification code possessed by one of the first customer data stored by the Bank's server, and is generated according to the judgment result. An authorization result including the judgment result is stored, and the authorization result is corresponding according to a The end user communication information transmitted to the user terminal for display, and the authorization result based on the identifiable information to the target company corresponding to the business enterprise server end of the target recognition information for its storage.