TWI695337B - Method of binding a credit card and transaction system - Google Patents

Method of binding a credit card and transaction system Download PDF

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TWI695337B
TWI695337B TW107137728A TW107137728A TWI695337B TW I695337 B TWI695337 B TW I695337B TW 107137728 A TW107137728 A TW 107137728A TW 107137728 A TW107137728 A TW 107137728A TW I695337 B TWI695337 B TW I695337B
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credit card
server
data
target
identification data
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TW107137728A
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TW202016850A (en
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鄭欣怡
林俊慶
洪繹捷
連智凱
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玉山商業銀行股份有限公司
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Abstract

When a first server of a transaction system receives from a user-terminal a credit card binding request which includes identity data, the first server transfers a target wallet user identity data which matches the identity data to a second server of the transaction system. The second server elects target credit card holder data which matches the target wallet user identity data and transfers a bindable credit card list which includes target credit card data corresponding to the target credit card holder data to the user-terminal. The second server transfers the target credit card data to the first server upon receiving a binding command from the user-terminal. The first server generates and storages binding credit card data which includes the target credit card data and is corresponding to the target wallet user identity data.

Description

信用卡綁定方法及交易系統Credit card binding method and transaction system

本發明是有關於一種信用卡綁定方法,特別是指一種涉及網路通訊技術的信用卡綁定方法。本發明還有關於能實施該信用卡綁定方法的一種交易系統。The invention relates to a credit card binding method, in particular to a credit card binding method involving network communication technology. The invention also relates to a transaction system capable of implementing the credit card binding method.

現有的電子錢包通常會提供信用卡綁定功能,若使用者將其所持有的一信用卡綁定於一電子錢包帳戶,則往後若使用該電子錢包帳戶消費,即等同於使用綁定在該電子錢包帳戶的該信用卡消費。然而,在將信用卡綁定至電子錢包帳戶時,通常需要輸入該信用卡的卡號、有效年月以及安全檢查碼等資料,若使用者沒有將信用卡的卡號、有效年月以及安全檢查碼資料背起來,而信用卡又剛好不在手邊,則使用者便需特地先將信用卡找出來才能繼續進行綁定作業,而使得現有技術仍存在不便。Existing e-wallets usually provide a credit card binding function. If a user binds a credit card held by them to an e-wallet account, if they use the e-wallet account for consumption in the future, it is equivalent to using the The credit card consumption of the e-wallet account. However, when binding a credit card to an e-wallet account, it is usually necessary to enter the card number, valid year and month, and security check code of the credit card. If the user does not memorize the credit card number, valid year, month, and security check code data , And the credit card is just not at hand, the user needs to find the credit card to continue the binding operation, which makes the existing technology inconvenient.

因此,本發明之其中一目的,在於提供一種能改善現有技術之不便的信用卡綁定方法。Therefore, one of the objects of the present invention is to provide a credit card binding method that can improve the inconvenience of the prior art.

於是,本發明信用卡綁定方法由一交易系統實施,該交易系統適用於供一使用端電連接且包含一第一伺服器及一第二伺服器,該第一伺服器儲存多筆分別對應於多個電子錢包帳戶的錢包用戶識別資料,該第二伺服器儲存多筆信用卡資料及多筆分別對應該等信用卡資料的卡戶識別資料,該信用卡綁定方法包含下列步驟:(A)該第一伺服器於接收到一來自該使用端且包含一身分資料的信用卡綁定請求,且判斷出該等錢包用戶識別資料中存在與該身分資料相符的一目標錢包用戶識別資料時,將該目標錢包用戶識別資料傳送至該第二伺服器;(B)該第二伺服器於接收到來自該第一伺服器的該目標錢包用戶識別資料,且判斷出該等卡戶識別資料中存在與該目標錢包用戶識別資料相符的一目標卡戶識別資料後,產生並傳送一可綁定信用卡清單至該使用端,該可綁定信用卡清單包含該等信用卡資料中與該目標卡戶識別資料對應而被作為一目標信用卡資料的該信用卡資料;(C)該第二伺服器於接收到一來自該使用端且指示出該目標信用卡資料的綁定指令後,將該目標信用卡資料傳送至該第一伺服器;(D)該第一伺服器於接收到來自該第二伺服器的該目標信用卡資料時,產生並儲存一包含該目標信用卡資料且對應該目標錢包用戶識別資料的綁定信用卡資料。Therefore, the credit card binding method of the present invention is implemented by a transaction system, which is suitable for a user terminal to be electrically connected and includes a first server and a second server, where the first server stores multiple records corresponding to The wallet user identification data of multiple e-wallet accounts. The second server stores multiple credit card data and multiple card account identification data corresponding to the credit card data. The credit card binding method includes the following steps: (A) the first When a server receives a credit card binding request from the user end and contains an identity data, and determines that there is a target wallet user identification data in the wallet user identification data that matches the identity data, the server uses the target Wallet user identification data is sent to the second server; (B) The second server receives the target wallet user identification data from the first server and determines that the cardholder identification data exists with the After a target card account identification data that matches the target wallet user identification data, a binding credit card list is generated and transmitted to the user terminal, and the binding card list includes the credit card information corresponding to the target card account identification data. The credit card data as a target credit card data; (C) after receiving a binding instruction from the user terminal indicating the target credit card data, the second server transmits the target credit card data to the first credit card data Server; (D) When the first server receives the target credit card data from the second server, it generates and stores a bound credit card data containing the target credit card data and corresponding to the target wallet user identification data.

在本發明信用卡綁定方法的一些實施態樣中,每一筆卡戶識別資料至少包含一對應於一行動裝置的通訊資料,在步驟(B)中,該第二伺服器判斷出該等卡戶識別資料中存在該目標卡戶識別資料時,還先產生一單次性密碼,並根據該目標卡戶識別資料所包含的該通訊資料將該單次性密碼傳送至對應的該行動裝置,該第二伺服器並於接收到一來自該使用端的驗證密碼且判斷出該驗證密碼與該單次性密碼相符時,產生並傳送該可綁定信用卡清單至該使用端。In some embodiments of the credit card binding method of the present invention, each card user identification data includes at least one communication data corresponding to a mobile device. In step (B), the second server determines the card users When the target cardholder identification data exists in the identification data, a one-time password is first generated, and according to the communication data contained in the target cardholder identification data, the one-time password is transmitted to the corresponding mobile device, the The second server generates and transmits the list of bindable credit cards to the user terminal when it receives a verification password from the user terminal and determines that the verification password is consistent with the one-time password.

在本發明信用卡綁定方法的一些實施態樣中,在步驟(B)中:當第二伺服器判斷出該等卡戶識別資料中不存在該目標卡戶識別資料時,控制該第一伺服器產生並傳送一第一警示通知至該使用端;當該第二伺服器接收到該驗證密碼且判斷出該驗證密碼與該單次性密碼不相符時,產生並傳送一相關於該驗證密碼的第二警示通知至該使用端;當該第二伺服器判斷出其接收到該驗證密碼且判斷出該驗證密碼與該單次性密碼不相符的次數到達一預定次數時,產生並傳送一相關於該驗證密碼的第三警示通知至該使用端。In some embodiments of the credit card binding method of the present invention, in step (B): when the second server determines that the target card account identification data does not exist in the card account identification data, the first server is controlled The device generates and sends a first warning notification to the user end; when the second server receives the verification password and determines that the verification password does not match the one-time password, generates and sends a verification password related to the verification password A second warning notification to the user end; when the second server determines that it receives the verification password and determines that the verification password does not match the one-time password a predetermined number of times, it generates and transmits a The third warning notification related to the verification password is notified to the user terminal.

在步驟(C)中,當該第二伺服器接收到該綁定指令,且判斷出該目標信用卡資料是處於未通過一信用卡開卡程序且未被允許於該特定電子錢包應用程式中被用來進行消費的狀態時,該第二伺服器還將該目標信用卡資料設定為未通過該信用卡開卡程序但被允許於該特定電子錢包應用程式中被用來進行消費的狀態。In step (C), when the second server receives the binding instruction, and determines that the target credit card data is not passed a credit card opening procedure and is not allowed to be used in the specific electronic wallet application In the state of consumption, the second server also sets the target credit card data to a state that has not passed the credit card opening procedure but is allowed to be used for consumption in the specific electronic wallet application.

在本發明信用卡綁定方法的一些實施態樣中,在步驟(A)中,當該第一伺服器判斷出該等錢包用戶識別資料中不存在該目標錢包用戶識別資料時,該第一伺服器產生並傳送一身分辨識失敗通知至該使用端。In some embodiments of the credit card binding method of the present invention, in step (A), when the first server determines that the target wallet user identification data does not exist in the wallet user identification data, the first server The device generates and sends an identification failure notification to the user end.

本發明之另一目的,在於提供能實施該信用卡綁定方法的一種交易系統。Another object of the present invention is to provide a transaction system that can implement the credit card binding method.

本發明交易系統適用於供一使用端電連接,該交易系統包含一第一伺服器及一第二伺服器,該第一伺服器儲存多筆分別對應於多個電子錢包帳戶的錢包用戶識別資料,該第二伺服器電連接該第一伺服器,並儲存多筆信用卡資料及多筆分別對應該等信用卡資料的卡戶識別資料。該第一伺服器於接收到一來自該使用端且包含一身分資料的信用卡綁定請求,且判斷出該等錢包用戶識別資料中存在與該身分資料相符的一目標錢包用戶識別資料時,將該目標錢包用戶識別資料傳送至該第二伺服器。該第二伺服器於接收到來自該第一伺服器的該目標錢包用戶識別資料,且判斷出該等卡戶識別資料中存在與該目標錢包用戶識別資料相符的一目標卡戶識別資料後,產生並傳送一可綁定信用卡清單至該使用端,該可綁定信用卡清單包含該等信用卡資料中與該目標卡戶識別資料對應而被作為一目標信用卡資料的該信用卡資料。該第二伺服器於接收到一來自該使用端且指示出該目標信用卡資料的綁定指令後,將該目標信用卡資料傳送至該第一伺服器。該第一伺服器於接收到來自該第二伺服器的該目標信用卡資料時,產生並儲存一包含該目標信用卡資料且對應該目標錢包用戶識別資料的綁定信用卡資料。The transaction system of the present invention is suitable for a user terminal to be electrically connected. The transaction system includes a first server and a second server. The first server stores a plurality of wallet user identification data respectively corresponding to multiple electronic wallet accounts , The second server is electrically connected to the first server, and stores a plurality of credit card data and a plurality of credit card identification data corresponding to the credit card data, respectively. When the first server receives a credit card binding request from the user terminal and contains an identity data, and determines that there is a target wallet user identification data in the wallet user identification data that matches the identity data, it will The target wallet user identification data is sent to the second server. After the second server receives the target wallet user identification data from the first server, and determines that there is a target card account identification data in the card account identification data that matches the target wallet user identification data, A binding credit card list is generated and transmitted to the user terminal. The binding credit card list includes the credit card data corresponding to the target card account identification data in the credit card data and used as a target credit card data. After receiving a binding instruction from the user terminal and indicating the target credit card data, the second server transmits the target credit card data to the first server. When receiving the target credit card data from the second server, the first server generates and stores a bound credit card data containing the target credit card data and corresponding to the target wallet user identification data.

在本發明交易系統的一些實施態樣中,每一筆卡戶識別資料至少包含一對應於一行動裝置的通訊資料,且該第二伺服器判斷出該等卡戶識別資料中存在該目標卡戶識別資料時,還先產生一單次性密碼,並根據該目標卡戶識別資料所包含的該通訊資料將該單次性密碼傳送至對應的該行動裝置,該第二伺服器並於接收到一來自該使用端的驗證密碼且判斷出該驗證密碼與該單次性密碼相符時,產生並傳送該可綁定信用卡清單至該使用端。In some embodiments of the transaction system of the present invention, each cardholder identification data includes at least one communication data corresponding to a mobile device, and the second server determines that the target cardholder exists in the cardholder identification data When identifying data, a one-time password is first generated, and the one-time password is transmitted to the corresponding mobile device according to the communication data included in the target card user identification data, and the second server receives the When a verification password from the user terminal is judged to be consistent with the one-time password, the list of bindable credit cards is generated and transmitted to the user terminal.

在本發明交易系統的一些實施態樣中,當第二伺服器判斷出該等卡戶識別資料中不存在該目標卡戶識別資料時,控制該第一伺服器產生並傳送一第一警示通知至該使用端;當該第二伺服器接收到該驗證密碼且判斷出該驗證密碼與該單次性密碼不相符時,產生並傳送一相關於該驗證密碼的第二警示通知至該使用端;當該第二伺服器判斷出其接收到該驗證密碼且判斷出該驗證密碼與該單次性密碼不相符的次數到達一預定次數時,產生並傳送一相關於該驗證密碼的第三警示通知至該使用端。In some implementations of the transaction system of the present invention, when the second server determines that the target cardholder identification data does not exist in the cardholder identification data, the first server is controlled to generate and send a first warning notification To the user end; when the second server receives the verification password and determines that the verification password does not match the one-time password, generates and sends a second alert notification related to the verification password to the user end ; When the second server determines that it has received the verification password and determines that the number of times the verification password does not match the one-time password reaches a predetermined number of times, it generates and transmits a third alert related to the verification password Notify the user.

在本發明交易系統的一些實施態樣中,當該第二伺服器接收到該綁定指令,且判斷出該目標信用卡資料是處於未通過一信用卡開卡程序且未被允許於該特定電子錢包應用程式中被用來進行消費的狀態時,該第二伺服器還將該目標信用卡資料設定為未通過該信用卡開卡程序但被允許於該特定電子錢包應用程式中被用來進行消費的狀態。In some embodiments of the transaction system of the present invention, when the second server receives the binding instruction, and determines that the target credit card information is not through a credit card opening procedure and is not allowed in the specific electronic wallet When the application is used for consumption, the second server also sets the target credit card data to a state that has not passed the credit card opening procedure but is allowed to be used for consumption in the specific electronic wallet application .

在本發明交易系統的一些實施態樣中,當該第一伺服器判斷出該等錢包用戶識別資料中不存在該目標錢包用戶識別資料時,該第一伺服器產生並傳送一身分辨識失敗通知至該使用端。In some embodiments of the transaction system of the present invention, when the first server determines that the target wallet user identification data does not exist in the wallet user identification data, the first server generates and sends a body identification failure notification To the end of use.

本發明之功效在於:當使用者欲將其所持有的一信用卡綁定於電子錢包帳戶時,僅需藉由該使用端傳送包含該身分資料的該信用卡綁定請求至該第一伺服器,該第一伺服器即會將與該身分資料相符的該目標錢包用戶識別資料傳送至該第二伺服器,從而使該第二伺服器選出與該目標錢包用戶識別資料相符的該目標卡戶識別資料,並回傳包含與該目標卡戶識別資料對應之該目標信用卡資料的該可綁定信用卡清單至該使用端,如此一來,使用者僅需藉由該使用端選擇所欲綁定的信用卡,並傳送指示出該目標信用卡資料的該綁定指令至該第二伺服器,便能使該第二伺服器將該目標信用卡資料傳送至該第一伺服器,從而使該第一伺服器儲存包含該目標信用卡資料且對應該目標錢包用戶識別資料的該綁定信用卡資料,以完成信用卡與電子錢包帳戶之間的綁定,如此一來,使用者無需再輸入信用卡的卡號、有效年月以及安全檢查碼等資料便能方便快速地完成綁定,而完全克服現有技術使用上之不便。The effect of the present invention is that when a user wants to bind a credit card he holds to an electronic wallet account, he only needs to send the credit card binding request including the identity data to the first server through the user terminal , The first server sends the target wallet user identification data that matches the identity data to the second server, so that the second server selects the target card account that matches the target wallet user identification data Identify the data, and return the list of bindable credit cards containing the target credit card data corresponding to the target card account identification data to the user end, so that the user only needs to select the desired binding by the user end Credit card and send the binding instruction indicating the target credit card data to the second server, so that the second server can transmit the target credit card data to the first server, thereby enabling the first server The device stores the bound credit card data containing the target credit card data and corresponding to the target wallet user identification data to complete the binding between the credit card and the e-wallet account, so that the user does not need to enter the credit card number and expiration year The data such as the month and the security check code can easily and quickly complete the binding, and completely overcome the inconvenience of using the existing technology.

在本發明被詳細描述之前應當注意,本專利說明書中所指的「電連接」是泛指電子設備/裝置/元件之間經由導體相連而達成的有線電連接,以及經由無線通訊進行資料傳輸的無線電連接。Before the present invention is described in detail, it should be noted that the "electrical connection" in this patent specification refers to the wired electrical connection between electronic devices/devices/elements connected by a conductor, and the data transmission through wireless communication. Radio connection.

參閱圖1,本發明交易系統1之一實施例例如是由一銀行單位所管理,且該交易系統1適用於供多個使用端5(圖1中僅示出一者)透過網際網路電連接。為了便於理解,以下僅以圖1中所示出的該使用端5進行說明,該使用端5可例如為一智慧型手機、一平板電腦、一筆記型電腦或者一桌上型電腦,但不以此為限。Referring to FIG. 1, an embodiment of the transaction system 1 of the present invention is managed by a banking unit, for example, and the transaction system 1 is suitable for multiple users 5 (only one shown in FIG. 1) via the Internet. connection. For ease of understanding, the following uses only the user terminal 5 shown in FIG. 1 as an example. The user terminal 5 may be, for example, a smartphone, a tablet computer, a notebook computer, or a desktop computer, but not This is the limit.

該交易系統1包含一第一伺服器11,以及一電連接於該第一伺服器11的第二伺服器12。在本實施例中,該第一伺服器11例如被實施為一相關於一特定種類電子錢包的電子錢包交易伺服器,並且儲存多筆錢包用戶識別資料,以及多個分別對應該等錢包用戶識別資料的電子錢包帳戶。The transaction system 1 includes a first server 11 and a second server 12 electrically connected to the first server 11. In this embodiment, the first server 11 is, for example, implemented as an electronic wallet transaction server related to a specific type of electronic wallet, and stores multiple wallet user identification data, and multiple corresponding user IDs of the wallets respectively E-wallet account of information.

在本實施例中,該等錢包用戶識別資料及該等電子錢包帳戶是分別對應於多個使用者。以該使用端5舉例來說,假設該使用端5是由該等使用者中的一使用者A所持有,則該使用端5能根據所受到的操作安裝一例如由該銀行單位所發行且對應該特定種類電子錢包的特定電子錢包應用程式,並以對應於該使用者A的該電子錢包帳戶透過該特定電子錢包應用程式連線並登入該第一伺服器11,並例用該特定種類電子錢包進行消費,但不以此為限。在本實施例中,每一筆錢包用戶識別資料例如是對應之該使用者申辦電子錢包帳戶時所提供的身分資訊,具體而言,該錢包用戶識別資料例如包含對應之該使用者的一身分證字號、一出生日期及一通訊資料,且該通訊資料例如是對應之該使用者所持有之一行動裝置的行動電話號碼,但不以此為限。補充說明的是,在另一實施例中,該交易系統1也可以是包含多個第一伺服器11(亦即包含多個電子錢包交易伺服器),該等第一伺服器11例如分別相關於多個不同的特定種類電子錢包,且每一第一伺服器11皆電連接於該第二伺服器12,而不以本實施例為限。In this embodiment, the wallet user identification data and the electronic wallet accounts correspond to multiple users, respectively. Taking the user terminal 5 as an example, assuming that the user terminal 5 is held by a user A among the users, the user terminal 5 can be installed according to the operation received, for example, issued by the banking unit And a specific electronic wallet application corresponding to a specific type of electronic wallet, and using the electronic wallet account corresponding to the user A to connect through the specific electronic wallet application and log in to the first server 11, and use the specific Kinds of electronic wallets for consumption, but not limited to this. In this embodiment, each wallet user identification data is, for example, the identity information provided by the corresponding user when applying for an e-wallet account. Specifically, the wallet user identification data includes, for example, an identity card of the corresponding user Font size, a date of birth, and a communication data, and the communication data is, for example, the mobile phone number of a mobile device held by the user, but not limited to this. It is added that in another embodiment, the transaction system 1 may also include multiple first servers 11 (that is, multiple electronic wallet transaction servers), and the first servers 11 are related to each other, for example. In multiple different specific types of electronic wallets, and each first server 11 is electrically connected to the second server 12, not limited to this embodiment.

該第二伺服器12例如被實施為一信用卡帳務伺服器,並且儲存多筆信用卡資料以及多筆分別對應該等信用卡資料的卡戶識別資料。The second server 12 is implemented as a credit card accounting server, for example, and stores a plurality of credit card data and a plurality of credit card identification data corresponding to the credit card data, respectively.

在本實施例中,每一筆信用卡資料是對應於一張已通過該銀行單位審核的信用卡,且該信用卡資料例如包含一信用卡號碼及一有效年月份,但並不以此為限。每一筆信用卡資料所對應的該卡戶識別資料例如是一使用者申辦信用卡時提供給該銀行單位的身分資訊,具體而言,在本實施例中,每一筆卡戶識別資料例如包含一身分證字號、一出生日期及一通訊資料,但不以此為限。In this embodiment, each credit card data corresponds to a credit card that has been verified by the bank unit, and the credit card data includes, for example, a credit card number and a valid year and month, but not limited to this. The card account identification data corresponding to each piece of credit card data is, for example, identity information provided to the banking unit by a user when applying for a credit card. Specifically, in this embodiment, each card account identification data includes, for example, an identity card Font size, a date of birth and a communication data, but not limited to this.

特別說明的是,對於每一筆信用卡資料來說,在該信用卡資料剛被建立並儲存於該第二伺服器12時(亦即該信用卡資料所對應的該信用卡剛通過該銀行單位的審核時),該信用卡資料是被預設為一第一狀態,並且,該信用卡資料還能被該第二伺服器12設定為一第二狀態、一第三狀態或者一第四狀態。具體而言,在本實施例中,該第一狀態代表該信用卡資料尚未通過一信用卡開卡程序,且未被允許於該特定電子錢包應用程式中被用來進行消費。該第二狀態代表該信用卡資料已經通過該信用卡開卡程序,但未被允許於該特定電子錢包應用程式中被用來進行消費。該第三狀態代表該信用卡資料雖尚未通過該信用卡開卡程序,但已被允許於該特定電子錢包應用程式中被用來進行消費。該第四狀態則代表該信用卡資料已經通過該信用卡開卡程序,且也已被允許於該特定電子錢包應用程式中被用來進行消費。補充說明的是,前述的該信用卡開卡程序是泛指使用者收到由銀行單位新核發的信用卡的實體後,至少根據印刷於信用卡上的信用卡資料透過銀行單位所建置的語音或網路系統進行登錄開卡的程序,而能為本發明技術領域中具有通常者所理解,故在此不詳述其細節。In particular, for each credit card data, when the credit card data has just been created and stored in the second server 12 (that is, when the credit card corresponding to the credit card data has just passed the review by the bank unit) The credit card data is preset to a first state, and the credit card data can also be set to a second state, a third state, or a fourth state by the second server 12. Specifically, in this embodiment, the first state indicates that the credit card data has not passed a credit card opening procedure and is not allowed to be used for consumption in the specific electronic wallet application. The second state indicates that the credit card information has passed the credit card opening procedure, but is not allowed to be used for consumption in the specific electronic wallet application. The third state indicates that although the credit card information has not passed the credit card opening procedure, it has been allowed to be used for consumption in the specific electronic wallet application. The fourth state indicates that the credit card information has passed the credit card opening procedure and has also been allowed to be used for consumption in the specific electronic wallet application. It is added that the aforementioned credit card issuance procedure refers to the entity that the user receives the newly issued credit card issued by the bank unit, at least according to the credit card information printed on the credit card through the voice or network built by the bank unit The system performs the procedure of login and card opening, which can be understood by those of ordinary skill in the technical field of the present invention, so the details are not described here.

特別說明的是,在本實施例中,每一錢包用戶識別資料及每一卡戶識別資料都各包含對應之該使用者的身分證字號、出生日期及通訊資料。因此,以前述的該使用者A為例,若該使用者A擁有電子錢包帳戶也持有該銀行單位所核發的信用卡,則該第一伺服器11所儲存的該等錢包用戶識別資料中會存在其中一筆對應該使用者A的錢包用戶識別資料,且該第二伺服器12所儲存的該等卡戶識別資料中也會存在其中一筆對應該使用者A的卡戶識別資料,而且,對應該使用者A的該錢包用戶識別資料會與對應該使用者A的該卡戶識別資料彼此相符。In particular, in this embodiment, each wallet user identification data and each card account identification data each contain the corresponding user ID number, date of birth, and communication data. Therefore, taking the aforementioned user A as an example, if the user A has an e-wallet account and also holds a credit card issued by the banking unit, the wallet user identification data stored in the first server 11 will There is one piece of wallet user identification data corresponding to user A, and there is also one piece of card account identification data corresponding to user A among the card identification data stored in the second server 12, and The wallet user identification data corresponding to user A and the card user identification data corresponding to user A will match each other.

同時參閱圖1及圖2(圖2a及圖2b),以下示例性地說明本實施例的該交易系統1如何實施一信用卡綁定方法。Referring to FIGS. 1 and 2 (FIG. 2a and FIG. 2b) at the same time, the following exemplarily illustrates how the transaction system 1 of this embodiment implements a credit card binding method.

首先,進行步驟S1。該第一伺服器11於接收到一來自該使用端5且包含一身分資料的信用卡綁定請求時,判斷其所儲存的該等錢包用戶識別資料中,是否存在與該身分資料相符的一目標錢包用戶識別資料。當該第一伺服器11的判斷結果為否時,接著進行步驟S2,當該第一伺服器11的判斷結果為是時,接著進行步驟S3。補充說明的是,在本實施例中,該信用卡綁定請求例如是該使用端5於登入該第一伺服器11的狀態下根據使用者的操作而產生,但不以此為限。First, proceed to step S1. When the first server 11 receives a credit card binding request from the user terminal 5 and contains an identity data, it determines whether there is a target in the wallet user identification data stored that matches the identity data Wallet user identification information. When the judgment result of the first server 11 is NO, then proceed to step S2, and when the judgment result of the first server 11 is YES, then proceed to step S3. It is added that in this embodiment, the credit card binding request is generated by the user terminal 5 according to the user's operation in the state of logging in the first server 11, but not limited to this.

在步驟S2中,當該第一伺服器11判斷出該等錢包用戶識別資料中不存在該目標錢包用戶識別資料(亦即不存在任一與該身分資料相符的錢包用戶識別資料)時,該第一伺服器11產生並傳送一身分辨識失敗通知至該使用端5,以供該使用端5將該身分辨識失敗通知輸出。在本實施例中,該身分辨識失敗可例如指示出「用戶識別資料輸入錯誤」,但不以此為限。In step S2, when the first server 11 determines that the target wallet user identification data does not exist in the wallet user identification data (that is, there is no wallet user identification data that matches the identity data), the The first server 11 generates and transmits a body identification failure notification to the user terminal 5 for the user terminal 5 to output the body identification failure notification. In this embodiment, the failure of the body identification may indicate, for example, "user identification data input error", but not limited to this.

在步驟S3中,當該第一伺服器11判斷出該等錢包用戶識別資料中存在與該身分資料相符的該目標錢包用戶識別資料時,將該目標錢包用戶識別資料傳送至該第二伺服器12。接著,進行步驟S4。In step S3, when the first server 11 determines that there is the target wallet user identification data matching the identity data in the wallet user identification data, the target wallet user identification data is sent to the second server 12. Next, step S4 is performed.

在步驟S4中,當該第二伺服器12接收到來自該第一伺服器11的該目標錢包用戶識別資料時,判斷其所儲存的該等卡戶識別資料中,是否存在與該目標錢包用戶識別資料相符的一目標卡戶識別資料。當該第二伺服器12的判斷結果為否時,接著進行步驟S5,當該第二伺服器12的判斷結果為是時,接著進行步驟S6。In step S4, when the second server 12 receives the target wallet user identification data from the first server 11, it determines whether the stored card user identification data exists with the target wallet user A target cardholder identification data that matches the identification data. When the judgment result of the second server 12 is NO, then proceed to step S5, and when the judgment result of the second server 12 is YES, then proceed to step S6.

在步驟S5中,當第二伺服器12於判斷出該等卡戶識別資料中不存在該目標卡戶識別資料(亦即不存在任一與該目標錢包用戶識別資料相符的卡戶識別資料)時,產生並傳送一對應的第一指令至該第一伺服器11,以控制該第一伺服器11根據該第一指令產生並傳送一對應的第一警示通知至該使用端5輸出。在本實施例中,該第一警示通知可例如指示出「查無信用卡持有/申辦資料」,但不以此為限。In step S5, when the second server 12 determines that the target cardholder identification data does not exist in the cardholder identification data (that is, there is no cardholder identification data that matches the target wallet user identification data) At this time, a corresponding first command is generated and sent to the first server 11 to control the first server 11 to generate and send a corresponding first warning notification to the user terminal 5 according to the first command. In this embodiment, the first warning notice may indicate, for example, "check no credit card holding/application information", but it is not limited to this.

在步驟S6中,當該第二伺服器12判斷出該等卡戶識別資料中存在與該目標錢包用戶識別資料相符的該目標卡戶識別資料時,該第二伺服器12產生一個單次性密碼(One Time Password,簡稱OTP),並根據該目標卡戶識別資料所包含的該通訊資料將該單次性密碼以簡訊的形式傳送至通訊資料所對應的該行動裝置(圖未示出)。以前述的該使用者A舉例而言,假設在步驟S3中所述的該目標錢包用戶識別資料是對應於該使用者A的該錢包用戶識別資料,則在本步驟S6中所述的該目標卡戶識別資料就是對應於該使用者A的該卡戶識別資料。補充說明的是,用於接收該單次性密碼的該行動裝置可例如就是該使用端5本身,或者也可以是不同於該使用端5的另一智慧型手機。該第二伺服器12將該單次性密碼傳送至該行動裝置後,接著進行步驟S7。In step S6, when the second server 12 determines that the target cardholder identification data that matches the target wallet user identification data exists in the cardholder identification data, the second server 12 generates a single Password (One Time Password, OTP for short), and send the one-time password to the mobile device corresponding to the communication data in the form of a short message according to the communication data contained in the target cardholder identification data (not shown) . Taking the aforementioned user A as an example, assuming that the target wallet user identification data described in step S3 is the wallet user identification data corresponding to the user A, the target described in step S6 The cardholder identification data is the cardholder identification data corresponding to the user A. It is added that the mobile device for receiving the one-time password may be, for example, the user terminal 5 itself, or may be another smart phone different from the user terminal 5. After transmitting the one-time password to the mobile device, the second server 12 proceeds to step S7.

在步驟S7中,當該第二伺服器12接收到一來自該使用端5的驗證密碼時,判斷該驗證密碼是否與該單次性密碼符合。當該第二伺服器12的判斷結果為否時,接著進行步驟S8,當該第二伺服器12的判斷結果為是時,接著進行步驟S11(示於圖2b)。In step S7, when the second server 12 receives a verification password from the user terminal 5, it is determined whether the verification password is consistent with the one-time password. When the judgment result of the second server 12 is NO, then proceed to step S8, and when the judgment result of the second server 12 is YES, then proceed to step S11 (shown in FIG. 2b).

在步驟S8中,當該第二伺服器12判斷出該驗證密碼未與該單次性密碼符合時,該第二伺服器12進一步判斷其本身接收到該驗證密碼且判斷出該驗證密碼與該單次性密碼不相符的次數是否到達一預定次數。在本實施中,該預定次數可例如為三次,但不以此為限。當該第二伺服器12的判斷結果為否時,接著執行步驟S9。當該第二伺服器12的判斷結果為是時,接著進行步驟S10。In step S8, when the second server 12 determines that the verification password does not match the one-time password, the second server 12 further determines that it has received the verification password and determines that the verification password and the Whether the number of times the one-time password does not match reaches a predetermined number of times. In this implementation, the predetermined number of times may be three times, but not limited thereto. When the judgment result of the second server 12 is NO, then step S9 is executed. When the judgment result of the second server 12 is YES, step S10 follows.

在步驟S9中,當該第二伺服器12判斷出其接收到與該單次性密碼不符之該驗證密碼的次數未到達該預定次數時,產生並傳送一相關於該驗證密碼的第二警示通知至該使用端5輸出。在本實施例中,該第二警示通知可例如指示出「驗證密碼輸入錯誤」,但不以此為限。接著,再次進行步驟S7。In step S9, when the second server 12 determines that the number of times it has received the verification password that does not match the one-time password has not reached the predetermined number of times, it generates and transmits a second alert related to the verification password The notification is output to the user terminal 5. In this embodiment, the second warning notification may indicate, for example, "verification password input error", but not limited to this. Then, step S7 is performed again.

在步驟S10中,當該第二伺服器12判斷出其本身接收到與該單次性密碼不符之該驗證密碼的次數已達到該預定次數時,產生並傳送一相關於該驗證密碼的第三警示通知至該使用端5輸出,且該信用卡綁定方法結束。在本實施例中,該第三警示通知可例如指示出「驗證密碼錯誤次數已達上限,請重新操作」,但不以此為限。In step S10, when the second server 12 determines that the number of times it has received the verification password that does not match the one-time password has reached the predetermined number of times, it generates and transmits a third related to the verification password The warning notice is output to the user terminal 5, and the credit card binding method ends. In this embodiment, the third warning notification may indicate, for example, "The number of incorrect password verification has reached the upper limit, please try again", but not limited to this.

在接續於步驟S7之後的步驟S11(示於圖2b)中,該第二伺服器12進一步判斷該等信用卡資料中與該目標卡戶識別資料對應的一目標信用卡資料是否處於該第一狀態或該第二狀態,也就是判斷該目標信用卡資料是否處於未被允許於該特定電子錢包應用程式中被用來進行消費的一未綁定狀態。當該第二伺服器12的判斷結果為否時,接著進行步驟S12,當該第二伺服器12的判斷結果為是時,接著進行步驟S13。In step S11 (shown in FIG. 2b) following step S7, the second server 12 further determines whether a target credit card data corresponding to the target card user identification data in the credit card data is in the first state or The second state is to determine whether the target credit card data is in an unbound state that is not allowed to be used for consumption in the specific electronic wallet application. When the judgment result of the second server 12 is NO, then proceed to step S12, and when the judgment result of the second server 12 is YES, then proceed to step S13.

在步驟S12中,當該第二伺服器12判斷出該目標信用卡資料並非處於該第一狀態也非處於該第二狀態(亦即非處於該未綁定狀態),而是處於該第三狀態或該第四狀態時(亦即處於已被允許於該特定電子錢包應用程式中被用來進行消費的一已綁定狀態時),產生並傳送一第二指令至該第一伺服器11,以使該第一伺服器11根據該第二指令產生一對應的第四警示通知至該使用端5輸出。在本實施例中,該第四警示通知可例如指示出「您的信用卡皆已綁定」,但不以此為限。In step S12, when the second server 12 determines that the target credit card information is not in the first state or the second state (that is, not in the unbound state), but in the third state Or in the fourth state (that is, in a bound state that has been allowed to be used for consumption in the specific electronic wallet application), generate and send a second command to the first server 11, Therefore, the first server 11 generates a corresponding fourth warning notification to the user terminal 5 according to the second command. In this embodiment, the fourth warning notice may indicate, for example, "Your credit cards are all bound", but not limited to this.

在接續於步驟S11之後的步驟S13中,當該第二伺服器12判斷出該目標信用卡資料處於該第一狀態或該第二狀態時(亦即判斷出該目標信用卡資料處於該未綁定狀態時),該第二伺服器12產生一包含該目標信用卡資料的可綁定信用卡清單,並將該可綁定信用卡清單傳送至該使用端5輸出。接著,進行步驟S14。In step S13 following step S11, when the second server 12 determines that the target credit card data is in the first state or the second state (that is, the target credit card data is in the unbound state ), the second server 12 generates a list of bindable credit cards containing the target credit card information, and sends the list of bindable credit cards to the user terminal 5 for output. Next, step S14 is performed.

在步驟S14中,該第二伺服器12於接收到一來自該使用端5且指示出該目標信用卡資料的綁定指令時,將該目標信用卡資料設定為該第三狀態或該第四狀態(亦即該目標信用卡資料設定為該已綁定狀態),以允許該目標信用卡資料所對應的該信用卡能在該特定電子錢包應用程式中被用來進行消費,並且,該第二伺服器12還產生並傳送一包含該目標信用卡資料的綁定請求至該第一伺服器11。具體而言,若該第二伺服器12在步驟S11中判斷出該目標信用卡資料是處於該第一狀態,則該第二伺服器12在本步驟中會將該目標信用卡資料設定為該第三狀態,另一方面,若該第二伺服器12在步驟S11中判斷出該目標信用卡資料是處於該第二狀態,則該第二伺服器12在本步驟中會將該目標信用卡資料設定為該第四狀態。補充說明的是,該綁定指令例如是該使用端5根據使用者對該可綁定信用卡清單進行的操作而產生。接著,進行步驟S15。In step S14, when receiving a binding instruction from the user terminal 5 indicating the target credit card data, the second server 12 sets the target credit card data to the third state or the fourth state ( That is, the target credit card data is set to the bound state) to allow the credit card corresponding to the target credit card data to be used for consumption in the specific electronic wallet application, and the second server 12 also Generate and send a binding request containing the target credit card information to the first server 11. Specifically, if the second server 12 determines in step S11 that the target credit card data is in the first state, the second server 12 will set the target credit card data as the third in this step On the other hand, if the second server 12 determines in step S11 that the target credit card data is in the second state, the second server 12 will set the target credit card data as the The fourth state. It is added that the binding instruction is generated by the user terminal 5 according to the user's operation on the list of bindable credit cards, for example. Next, step S15 is performed.

在步驟S15中,該第一伺服器11於接收到來自該第二伺服器12的該綁定請求時,根據該綁定請求產生並儲存一包含該目標信用卡資料且對應該目標錢包用戶識別資料的綁定信用卡資料,藉此,該第一伺服器11相當於將該目標信用卡資料綁定於該目標錢包用戶識別資料所對應的該電子錢包帳戶,從而使該目標信用卡資料能被該目標錢包用戶識別資料所對應的該電子錢包帳戶用來進行消費。接著,進行步驟S16。In step S15, when receiving the binding request from the second server 12, the first server 11 generates and stores a target wallet user identification data containing the target credit card information according to the binding request Binding credit card data, the first server 11 is equivalent to binding the target credit card data to the e-wallet account corresponding to the target wallet user identification data, so that the target credit card data can be used by the target wallet The electronic wallet account corresponding to the user identification data is used for consumption. Next, step S16 is performed.

在步驟S16中,該第一伺服器11產生並傳送一對應該綁定信用卡資料的綁定成功通知至該使用端5,以供該使用端5將該綁定成功通知輸出。In step S16, the first server 11 generates and transmits a pair of binding success notifications that should be bound to the credit card information to the user terminal 5 for the user terminal 5 to output the binding success notification.

補充說明的是,該銀行單位在核准使用者所申辦的信用卡後,會將實體的信用卡以郵寄的方式寄送給使用者。由於郵寄的過程需要時間,因此從銀行單位核發信用卡到使用者實際收到信用卡之間可能會相隔數天的時間,也就是說,使用者無法在銀行單位核卡的第一時間內就開始使用信用卡。It is added that after approving the credit card applied by the user, the bank unit will send the physical credit card to the user by post. Since the mailing process takes time, there may be several days between the time a bank unit issues a credit card and the user actually receives the credit card, that is, the user cannot start using the bank unit within the first time. credit card.

但是,本實施例的該交易系統1能夠解決前述之不便。承前述的該使用者A舉例來說,在步驟S11中,若該目標信用卡資料處於該第一狀態(亦即尚未通過該信用卡開卡程序且未被允許於該特定電子錢包應用程式中被用來進行消費的狀態),可能代表該使用者A尚未收到該目標信用卡資料所對應的該信用卡,而無法對該信用卡進行該信用卡開卡程序。然而,在步驟S14中,藉由該第二伺服器12將該目標信用卡資料設定為該第三狀態(亦即尚未通過該信用卡開卡程序但被允許於該特定電子錢包應用程式中被用來進行消費的狀態),便能使得該目標信用卡資料能夠在該特定電子錢包應用程式中被用來進行消費,因此,在步驟S15中,該第一伺服器11在產生並儲存該綁定信用卡資料後,即使該使用者A尚未收到該目標信用卡資料所對應的該信用卡而無法進行該信用卡開卡程序,也仍能以該目標信用卡資料於該特定電子錢包應用程式中進行消費,因此,本實施例的該交易系統1能讓使用者在信用卡被銀行單位核准的第一時間內就開始透過該特定電子錢包應用程式使用信用卡。However, the transaction system 1 of this embodiment can solve the aforementioned inconvenience. According to the aforementioned user A, for example, in step S11, if the target credit card data is in the first state (that is, has not passed the credit card opening procedure and is not allowed to be used in the specific electronic wallet application The status of the purchase) may mean that the user A has not received the credit card corresponding to the target credit card information, and cannot open the credit card opening procedure for the credit card. However, in step S14, the target credit card data is set to the third state by the second server 12 (that is, it has not passed the credit card opening procedure but is allowed to be used in the specific electronic wallet application State of consumption), the target credit card data can be used for consumption in the specific electronic wallet application, therefore, in step S15, the first server 11 generates and stores the bound credit card data After that, even if the user A has not received the credit card corresponding to the target credit card data and cannot perform the credit card opening procedure, he can still consume the target credit card data in the specific e-wallet application. Therefore, this The transaction system 1 of the embodiment allows the user to start using the credit card through the specific electronic wallet application within the first time the credit card is approved by the bank.

綜上所述,本實施例的該交易系統1藉由實施該信用卡綁定方法,能令使用者無需輸入信用卡的卡號、有效年月以及安全檢查碼等資料也能方便快速地完成信用卡與電子錢包帳戶之間的綁定,而完全克服現有技術之不便。除此之外,本實施例的該交易系統1還能供使用者在收到核准的信用卡之前就能透過該特定電子錢包應用程式將該信用卡綁定電子錢包帳戶並進行消費,故確實能達成本發明之目的。In summary, by implementing the credit card binding method, the transaction system 1 of this embodiment can enable the user to complete credit card and electronic conveniently and quickly without entering the credit card number, valid year and month, and security check code. The binding between wallet accounts completely overcomes the inconvenience of the existing technology. In addition, the transaction system 1 of this embodiment can also allow users to bind the credit card to the e-wallet account and consume through the specific e-wallet application before receiving the approved credit card, so it can indeed be achieved The purpose of the invention.

惟以上所述者,僅為本發明之實施例而已,當不能以此限定本發明實施之範圍,凡是依本發明申請專利範圍及專利說明書內容所作之簡單的等效變化與修飾,皆仍屬本發明專利涵蓋之範圍內。However, the above are only examples of the present invention, and should not be used to limit the scope of the present invention. Any simple equivalent changes and modifications made according to the scope of the patent application of the present invention and the content of the patent specification are still classified as This invention covers the patent.

  1········ 交易系統 11······· 第一伺服器 12······· 第二伺服器 5········ 使用端 S1~S16········· 步驟 1······················································································································S1~S16·· ········Steps

本發明之其他的特徵及功效,將於參照圖式的實施方式中清楚地呈現,其中: 圖1是本發明交易系統之一實施例與一使用端配合連接的一硬體方塊示意圖;及 圖2(由圖2a及圖2b組成)是一流程圖,示例性地說明該實施例如何實施一信用卡綁定方法。Other features and functions of the present invention will be clearly presented in the embodiment with reference to the drawings, in which: FIG. 1 is a schematic diagram of a hardware block in which an embodiment of the trading system of the present invention is connected to a user terminal; and 2 (composed of Fig. 2a and Fig. 2b) is a flow chart exemplarily illustrating how this embodiment implements a credit card binding method.

  1········ 交易系統 11······· 第一伺服器 12······· 第二伺服器 5········ 使用端 1································· First server 12················· Second server 5···········

Claims (8)

一種信用卡綁定方法,由一交易系統實施,該交易系統適用於供一使用端電連接且包含一第一伺服器及一第二伺服器,該第一伺服器儲存多筆分別對應於多個電子錢包帳戶的錢包用戶識別資料,該第二伺服器儲存多筆信用卡資料及多筆分別對應該等信用卡資料的卡戶識別資料,該信用卡綁定方法包含下列步驟:(A)該第一伺服器於接收到一來自該使用端且包含一身分資料的信用卡綁定請求,且判斷出該等錢包用戶識別資料中存在與該身分資料相符的一目標錢包用戶識別資料時,將該目標錢包用戶識別資料傳送至該第二伺服器;(B)該第二伺服器於接收到來自該第一伺服器的該目標錢包用戶識別資料,且判斷出該等卡戶識別資料中存在與該目標錢包用戶識別資料相符的一目標卡戶識別資料後,產生並傳送一可綁定信用卡清單至該使用端,該可綁定信用卡清單包含該等信用卡資料中與該目標卡戶識別資料對應而被作為一目標信用卡資料的該信用卡資料;(C)該第二伺服器於接收到一來自該使用端且指示出該目標信用卡資料的綁定指令後,將該目標信用卡資料傳送至該第一伺服器;及(D)該第一伺服器於接收到來自該第二伺服器的該目標信用卡資料時,產生並儲存一包含該目標信用卡資料且對應該目標錢包用戶識別資料的綁定信用卡資料;其中,在步驟(C)中,當該第二伺服器接收到該綁定 指令,且判斷出該目標信用卡資料是處於未通過一信用卡開卡程序且未被允許於該特定電子錢包應用程式中被用來進行消費的狀態時,該第二伺服器還將該目標信用卡資料設定為未通過該信用卡開卡程序但被允許於該特定電子錢包應用程式中被用來進行消費的狀態。 A credit card binding method is implemented by a transaction system, which is suitable for a user terminal to be electrically connected and includes a first server and a second server, where the first server stores multiple pens corresponding to multiple Wallet user identification data of an electronic wallet account. The second server stores multiple credit card data and multiple card account identification data corresponding to the credit card data. The credit card binding method includes the following steps: (A) the first server When the device receives a credit card binding request from the user terminal and contains an identity data, and determines that there is a target wallet user identification data in the wallet user identification data that matches the identity data, the target wallet user The identification data is sent to the second server; (B) The second server receives the target wallet user identification data from the first server, and determines that the cardholder identification data exists with the target wallet After a target card account identification data matching the user identification data, a binding credit card list is generated and transmitted to the user end, and the binding card list contains the credit card information corresponding to the target card account identification data and is used as The credit card data of a target credit card data; (C) after receiving a binding instruction from the user terminal indicating the target credit card data, the second server transmits the target credit card data to the first server And (D) when the first server receives the target credit card data from the second server, it generates and stores a bound credit card data containing the target credit card data and corresponding to the target wallet user identification data; , In step (C), when the second server receives the binding Command, and it is determined that the target credit card data is in a state where it has not passed a credit card opening procedure and is not allowed to be used for consumption in the specific electronic wallet application, the second server also uses the target credit card data It is set to a state where it has not passed the credit card opening procedure but is allowed to be used for consumption in the specific electronic wallet application. 如請求項1所述的信用卡綁定方法,其中,每一筆卡戶識別資料至少包含一對應於一行動裝置的通訊資料,在步驟(B)中,該第二伺服器判斷出該等卡戶識別資料中存在該目標卡戶識別資料時,還先產生一單次性密碼,並根據該目標卡戶識別資料所包含的該通訊資料將該單次性密碼傳送至對應的該行動裝置,該第二伺服器並於接收到一來自該使用端的驗證密碼且判斷出該驗證密碼與該單次性密碼相符時,產生並傳送該可綁定信用卡清單至該使用端。 The credit card binding method according to claim 1, wherein each card user identification data includes at least one communication data corresponding to a mobile device, and in step (B), the second server determines the card users When the target cardholder identification data exists in the identification data, a one-time password is first generated, and according to the communication data contained in the target cardholder identification data, the one-time password is transmitted to the corresponding mobile device, the The second server generates and transmits the list of bindable credit cards to the user terminal when it receives a verification password from the user terminal and determines that the verification password is consistent with the one-time password. 如請求項2所述的信用卡綁定方法,其中,在步驟(B)中:當第二伺服器判斷出該等卡戶識別資料中不存在該目標卡戶識別資料時,控制該第一伺服器產生並傳送一第一警示通知至該使用端;當該第二伺服器接收到該驗證密碼且判斷出該驗證密碼與該單次性密碼不相符時,產生並傳送一相關於該驗證密碼的第二警示通知至該使用端;當該第二伺服器判斷出其接收到該驗證密碼且判斷出該驗證密碼與該單次性密碼不相符的次數到達一預定次數時,產生並傳送一相關於該驗證密碼的第三警示通知 至該使用端。 The credit card binding method according to claim 2, wherein in step (B): when the second server determines that the target card account identification data does not exist in the card account identification data, the first server is controlled The device generates and sends a first warning notification to the user end; when the second server receives the verification password and determines that the verification password does not match the one-time password, generates and sends a verification password related to the verification password A second warning notification to the user end; when the second server determines that it receives the verification password and determines that the verification password does not match the one-time password a predetermined number of times, it generates and transmits a Third warning notice related to the verification password To the end of use. 如請求項1所述的信用卡綁定方法,其中,在步驟(A)中,當該第一伺服器判斷出該等錢包用戶識別資料中不存在該目標錢包用戶識別資料時,該第一伺服器產生並傳送一身分辨識失敗通知至該使用端。 The credit card binding method according to claim 1, wherein, in step (A), when the first server determines that the target wallet user identification data does not exist in the wallet user identification data, the first server The device generates and sends an identification failure notification to the user end. 一種交易系統,適用於供一使用端電連接,該交易系統包含:一第一伺服器,儲存多筆分別對應於多個電子錢包帳戶的錢包用戶識別資料;及一第二伺服器,電連接該第一伺服器,並儲存多筆信用卡資料及多筆分別對應該等信用卡資料的卡戶識別資料;其中,該第一伺服器於接收到一來自該使用端且包含一身分資料的信用卡綁定請求,且判斷出該等錢包用戶識別資料中存在與該身分資料相符的一目標錢包用戶識別資料時,將該目標錢包用戶識別資料傳送至該第二伺服器;該第二伺服器於接收到來自該第一伺服器的該目標錢包用戶識別資料,且判斷出該等卡戶識別資料中存在與該目標錢包用戶識別資料相符的一目標卡戶識別資料後,產生並傳送一可綁定信用卡清單至該使用端,該可綁定信用卡清單包含該等信用卡資料中與該目標卡戶識別資料對應而被作為一目標信用卡資料的該信用卡資料;該第二伺服器於接收到一來自該使用端且指示出該 目標信用卡資料的綁定指令後,將該目標信用卡資料傳送至該第一伺服器;該第一伺服器於接收到來自該第二伺服器的該目標信用卡資料時,產生並儲存一包含該目標信用卡資料且對應該目標錢包用戶識別資料的綁定信用卡資料;其中,當該第二伺服器接收到該綁定指令,且判斷出該目標信用卡資料是處於未通過一信用卡開卡程序且未被允許於該特定電子錢包應用程式中被用來進行消費的狀態時,該第二伺服器還將該目標信用卡資料設定為未通過該信用卡開卡程序但被允許於該特定電子錢包應用程式中被用來進行消費的狀態。 A transaction system suitable for an electrical connection of a user terminal. The transaction system includes: a first server storing a plurality of wallet user identification data corresponding to multiple electronic wallet accounts; and a second server electrically connecting The first server, and stores a plurality of credit card data and a plurality of credit card identification data corresponding to the credit card data; wherein, the first server receives a credit card binding from the user terminal and contains an identity data If a certain request is made and it is determined that there is a target wallet user identification data in the wallet user identification data that matches the identity data, the target wallet user identification data is sent to the second server; the second server receives After reaching the target wallet user identification data from the first server, and judging that there is a target card account identification data in the card account identification data that matches the target wallet user identification data, a bindable is generated and transmitted A credit card list to the user end, the bindable credit card list contains the credit card data corresponding to the target card account identification data in the credit card data and used as a target credit card data; the second server receives a Use the end and indicate the After the binding instruction of the target credit card data, the target credit card data is sent to the first server; when receiving the target credit card data from the second server, the first server generates and stores a file containing the target Credit card data and the bound credit card data corresponding to the target wallet user identification data; wherein, when the second server receives the binding instruction, and determines that the target credit card data is not passed a credit card opening procedure and is not When allowed to be used for consumption in the specific electronic wallet application, the second server also sets the target credit card data as not passing through the credit card opening procedure but being allowed to be used in the specific electronic wallet application The state used for consumption. 如請求項5所述的交易系統,其中,每一筆卡戶識別資料至少包含一對應於一行動裝置的通訊資料,且該第二伺服器判斷出該等卡戶識別資料中存在該目標卡戶識別資料時,還先產生一單次性密碼,並根據該目標卡戶識別資料所包含的該通訊資料將該單次性密碼傳送至對應的該行動裝置,該第二伺服器並於接收到一來自該使用端的驗證密碼且判斷出該驗證密碼與該單次性密碼相符時,產生並傳送該可綁定信用卡清單至該使用端。 The transaction system according to claim 5, wherein each cardholder identification data includes at least one communication data corresponding to a mobile device, and the second server determines that the target cardholder exists in the cardholder identification data When identifying data, a one-time password is first generated, and the one-time password is transmitted to the corresponding mobile device according to the communication data included in the target card user identification data, and the second server receives the When a verification password from the user terminal is judged to be consistent with the one-time password, the list of bindable credit cards is generated and transmitted to the user terminal. 如請求項6所述的交易系統,其中:當第二伺服器判斷出該等卡戶識別資料中不存在該目標卡戶識別資料時,控制該第一伺服器產生並傳送一第一警示通知至該使用端;當該第二伺服器接收到該驗證密碼且判斷出該驗證 密碼與該單次性密碼不相符時,產生並傳送一相關於該驗證密碼的第二警示通知至該使用端;當該第二伺服器判斷出其接收到該驗證密碼且判斷出該驗證密碼與該單次性密碼不相符的次數到達一預定次數時,產生並傳送一相關於該驗證密碼的第三警示通知至該使用端。 The transaction system according to claim 6, wherein: when the second server determines that the target cardholder identification data does not exist in the cardholder identification data, the first server is controlled to generate and send a first warning notification To the user end; when the second server receives the verification password and determines the verification When the password does not match the one-time password, a second warning notification related to the verification password is generated and sent to the user end; when the second server determines that it receives the verification password and determines the verification password When the number of times that does not match the one-time password reaches a predetermined number of times, a third warning notification related to the verification password is generated and transmitted to the user terminal. 如請求項5所述的交易系統,其中,當該第一伺服器判斷出該等錢包用戶識別資料中不存在該目標錢包用戶識別資料時,該第一伺服器產生並傳送一身分辨識失敗通知至該使用端。 The transaction system according to claim 5, wherein when the first server determines that the target wallet user identification data does not exist in the wallet user identification data, the first server generates and sends a body identification failure notification To the end of use.
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