TWI697853B - Method and system for instant notification of transaction result - Google Patents

Abstract

The present invention relates to a method and system for real-time notification of transaction results. The notification platform integrates transaction record information, such as transaction product information and amount information. Then it is sent to the payment platform, and the payment platform simultaneously sends the transaction information to the client corresponding to the mobile device and the receiving end connected to the payment receiving server. To improve: 1. The original transmission standards of instant consumer newsletters are different. 2. APP promotion will cause insufficient convenience due to usage habits and card holding of multiple banks. 3. Both parties who are not the transaction will receive a notification, and the receiving end must still check the transaction records to learn about the transaction results.

Description

Method and system for instant notification of transaction results

The present invention relates to a method for notifying transaction results, in particular to a method and system for notifying transaction results immediately.

As transaction habits change, credit cards are becoming more popular. However, credit card fraud has become increasingly rampant.

According to statistics from the United Credit Card Processing Center, the amount of stolen credit cards in 2016 was as high as 1.27 billion yuan, an increase of 55% from the 820 million yuan in the previous year. Among them, the amount of stolen credit cards such as online shopping, TV shopping, and App transactions accounted for approximately 88.7%.

For example, a credit card owner was brutally stolen and swiped several times and spent nearly 100,000 yuan. And this kind of small amount stolen credit card is often received a credit card bill, only to find that the credit card has been stolen. Due to the general small amount of card swiping, the bank will not notify the cardholder immediately. Therefore, the thieves can succeed through small amount stealing.

The convenience of credit card payment has two sides. Often people who are interested can complete the checkout as long as they obtain the card number, expiration date and security code. At present, banks generally divide three preventive measures against credit card fraud, including 1. Send instant consumption newsletters, E- Mail and App push and broadcast instant consumption notifications. 2. Regarding cardholders’ abnormal consumption behaviors, including transactions on foreign websites, card swiping at special times, high unit price shopping, etc., the cardholders will be confirmed through text messages or by calling directly. 3. Online card swiping is confirmed with dynamic password (OTP password lock), but not all shopping websites have this security requirement.

Compared with E-mail and App push notifications, instant consumption newsletters are the most convenient and the easiest for abnormal consumption to be detected by cardholders in the first time, thereby protecting the rights of cardholders and avoiding the expansion of monetary losses.

However, most banks currently have a consumption threshold for notifications of consumption newsletters. Only when the consumption threshold is reached will the newsletters be sent, such as different consumption thresholds such as 1,000 yuan, 3,000 yuan or 5,000 yuan. Some banks provide this service only if they hold a designated card, and some banks only send consumer SMS notifications for abnormal transactions. The above-mentioned various regulations have caused the current situation of different transmission standards of instant consumer newsletters.

In addition, consumer newsletters are also a huge cost for banks. According to the observation of the largest newsletter information industry in Taiwan, the number of consumer newsletters sent has increased from 30 million per month in 2013 to 100 million today. seal.

Therefore, in order to save costs, some banks have begun to use APP to push notifications. It's just that once cardholders change their mobile phones, do not have the Internet, or do not have the habit of frequently opening apps, they are most likely to miss the consumer push of the APP, so it is too late to stop the fraudulent use.

In addition, nowadays, the general public does not only hold credit cards from one bank, which causes multiple cardholders to download the APP of each bank at the same time, which will cause trouble for cardholders and reduce the willingness of cardholders to download APP.

Furthermore, whether it is an instant consumption newsletter or an APP push, it is often only provided to consumers (that is, cardholders) of their consumption notifications, and the other end of their transactions (sales end) still has to check the transaction records through the terminal device. If you know the transaction result, you need to log in to the online bank through the Internet for self-inquiry, which is not instant in terms of efficiency.

From the above, we can see that there are still shortcomings in the notification of current payment transactions. The shortcomings are: 1. The original transmission standards of instant consumer newsletters are different. 2. APP promotion will cause insufficient convenience due to usage habits and card holding of multiple banks. 3. Both parties (cardholder and sales end) who are not conducting the transaction will be notified of the transaction result, and the sales end must still check the transaction record to know the transaction result.

Therefore, how to improve the notification of the transaction results so that the transaction results can be transmitted to both parties in real time and at the same time is still an issue for those skilled in the relevant field to overcome.

The main purpose of the present invention is to provide a method and system for real-time notification of transaction results. The notification platform integrates information of transaction records, such as transaction product information and amount information. Repost It is sent to the payment platform, and the payment platform simultaneously sends the transaction information to the client corresponding to the mobile device and the receiving end connected to the payment receiving server.

In order to achieve the above objectives and effects, the present invention discloses a method for real-time notification of transaction results. The steps include: a mobile device at a client terminal receives a payment certificate sent by a payment platform; the mobile device uses the payment certificate and a receipt A payment receiving server of the payment terminal performs a transaction; the payment receiving server transmits a transaction record of the transaction to a receiving financial institution; the receiving financial institution transmits the transaction record to a paying financial institution through an intermediary; When the payment financial institution conducts transactions based on the transaction record, the payment financial institution transmits transaction information to the intermediary institution; the intermediary institution transmits the transaction information to a notification platform; the notification platform transmits the transaction information to the payment platform; and The payment platform transmits the transaction information to the client and the receiving terminal respectively.

The present invention also discloses a method for real-time notification of transaction results. The steps include: a payment receiving server at a receiving terminal receives a payment certificate sent by a payment platform; the payment receiving server communicates with a client through the payment certificate A mobile device performs a transaction; the payment receiving server transmits a transaction record of the transaction to a receiving financial institution; the receiving financial institution transmits the transaction record to a paying financial institution through an intermediary; the paying financial institution When performing a transaction based on the transaction record, the payment financial institution transmits a transaction information to the intermediary institution; the intermediary institution transmits the transaction information to a notification platform; the notification platform transmits the transaction information to the payment platform; and the payment platform respectively Send the transaction information to the client and the receiving end.

The present invention provides an embodiment, the content of which is a method for real-time notification of transaction results, wherein the transaction information further includes transaction product information in the transaction record and amount information in the transaction record.

The present invention provides an embodiment, the content of which is a method for instant notification of transaction results, wherein the receiving financial institution and the paying financial institution are set up in the same financial institution or different financial institutions.

Furthermore, the present invention discloses a system for real-time notification of transaction results, which includes: a payment platform; a mobile device connected to the payment platform, the payment platform transmitting a payment certificate to the mobile device; a payment receiving server, which A transaction is made with the mobile device based on the payment certificate; A receiving financial institution, which connects to the payment receiving server, and receives a transaction record of the transaction; an intermediary institution, which connects to the receiving financial institution, and receives the transaction record sent by the receiving financial institution; A financial institution that connects to the intermediary institution and receives the transaction record sent by the intermediary institution. When the paying financial institution conducts transactions based on the transaction record, the payment financial institution sends transaction information to the intermediary institution; and a notification platform, It connects the intermediary agency with the payment platform, and receives the transaction information sent by the intermediary agency, the transaction information corresponds to the transaction record, the notification platform sends the transaction information to the payment platform, and the payment platform simultaneously sends the transaction information The transaction information is sent to a client corresponding to the mobile device and a receiving terminal connected to the payment receiving server.

Moreover, the present invention further discloses a system for real-time notification of transaction results, which includes: a payment platform; a mobile device; and a payment receiving server connected to the payment platform, and the payment platform sends a payment certificate to the payment receiving server , The payment receiving server performs a transaction with the mobile device based on the payment certificate; a receiving financial institution is connected to the payment receiving server and receives a transaction record of the transaction; an intermediary is connected to the receiving financial institution When a payment financial institution receives the transaction record transmitted by the receiving financial institution; a payment financial institution connects to the intermediary institution and receives the transaction record transmitted by the intermediary institution. When the payment financial institution conducts transactions based on the transaction record , The payment financial institution transmits a transaction information to the intermediary institution; and a notification platform which connects the intermediary institution and the payment platform and receives the transaction information transmitted by the intermediary institution. The transaction information corresponds to the transaction record. The notification platform transmits the transaction information to the payment platform, and the payment platform simultaneously transmits the transaction information to a client corresponding to the mobile device and a receiving terminal connected to the payment receiving server.

The present invention provides an embodiment, the content of which is a system for real-time notification of transaction results, wherein the transaction information further includes transaction product information in the transaction record and amount information in the transaction record.

The present invention provides an embodiment, the content of which is a system for real-time notification of transaction results, wherein the receiving financial institution and the paying financial institution are set up in the same financial institution or different financial institutions.

1: mobile device

11: User side

2: Payment receiving server

21: Receiving terminal

3: Receiving financial institution

4: Intermediary

5: Payment financial institution

6: Notification platform

7: Payment platform

71: payment voucher

8: Transaction records

9: Transaction Information

S1-S16: Step process

Figure 1A: It is a flow chart of an embodiment of the present invention; Figure 1B: It is a system schematic diagram of an embodiment of the present invention; Figure 2A: It is a flow chart of another embodiment of the present invention; and Figure 2B: It is a system diagram of another embodiment of the present invention.

In order to enable your reviewer to have a better understanding and understanding of the features of the present invention and the effects achieved, I would like to provide examples and accompanying explanations. The explanation is as follows: In view of the different transmission thresholds of traditional transaction information and the combination of the receiving end The transaction information will not be received in real time and the transaction result cannot be confirmed in real time. Accordingly, the present invention proposes a method and system for notifying the transaction result in real time to solve the problems caused by the conventional technology.

Hereinafter, a method for real-time notification of transaction results and the features included in the system, the associated structure and the method thereof of the present invention will be further explained: please refer to Figure 1A, which is a flowchart of an embodiment of the present invention. As shown in Figure 1A, a method for real-time notification of transaction results of the present invention includes the following steps: S1: the mobile device on the client side receives the payment certificate sent by the payment platform; S3: the mobile device makes payment through the payment certificate and the receiving terminal The receiving server performs the transaction; S5: The payment receiving server sends the transaction record of the transaction to the receiving financial institution; S7: The receiving financial institution sends the transaction record to the paying financial institution through the intermediary; S9: The paying financial institution performs the transaction based on the transaction record When, the payment financial institution sends transaction information to the intermediary; S11: the intermediary sends the transaction information to the notification platform; S13: the notification platform sends the transaction information to the payment platform; and S15: the payment platform sends the transaction information to the client and the receiving end respectively .

Please also refer to FIG. 1B, which is a system schematic diagram of an embodiment of the present invention. As shown in Figure 1B, a system for instant notification of transaction results includes: a payment platform 7; an action Device 1, which is connected to the payment platform 7, and the payment platform 7 sends a payment certificate 71 to the mobile device 1; a payment receiving server 2, which performs a transaction with the mobile device 1 according to the payment certificate 71; The payment financial institution 3 is connected to the payment receiving server 2 and receives a transaction record 8 of the transaction; an intermediary institution 4 is connected to the receiving financial institution 3 and receives the transaction sent by the receiving financial institution 3 Record 8; a payment financial institution 5, which is connected to the intermediary institution 4, and receives the transaction record 8 sent by the intermediary institution 4. When the payment financial institution 5 conducts transactions based on the transaction record 8, the payment financial institution 5 transmits a Transaction information 9 to the intermediary 4; and a notification platform 6, which connects the intermediary 4 and the payment platform 6, and receives the transaction information 9 sent by the intermediary 4, the transaction information 9 corresponding to the transaction record 8 , The notification platform 6 transmits the transaction information 9 to the payment platform 7, and the payment platform 7 simultaneously transmits the transaction information 9 to the mobile device 1 corresponding to a client 11 connected to the payment receiving server 2 One receiving terminal 21.

As shown in step S1, the mobile device 1 of the client 11 receives the payment certificate 71 sent by the payment platform 7, and as shown in step S3, the mobile device 1 communicates with the receiving terminal 21 via the payment certificate 71 The payment receiving server 2 performs the transaction. The mobile device 1 is a smart phone, a tablet computer, or a handheld electronic device, etc., and the payment terminal 21 is located in a store or a seller. The payment voucher 71 can be a code, a QR code, or a code.

Then, as shown in step S5, the payment receiving server 2 transmits the transaction record 8 of the transaction to the receiving financial institution 3, and in step S7, the receiving financial institution 3 transmits through the intermediary 4 The transaction record 8 to the payment financial institution 5. The receiving financial institution 3 and the paying financial institution 5 are located in the same financial institution or different financial institutions.

Continuing, as shown in step S9, when the paying financial institution 5 conducts a transaction based on the transaction record 8 (the transaction can be payment or transfer), the paying financial institution 5 transmits the transaction information 9 to the intermediary institution 4, and then As shown in step S11, the intermediary agency 4 transmits the transaction information 9 to the notification platform 6.

The transaction information 9 further includes transaction product information in the transaction record 8 and amount information in the transaction record 8.

Finally, as shown in step S13, the notification platform 6 transmits the transaction information 9 to the payment platform 7, and the notification platform 6 integrates the transaction information 9 and transmits it. As shown in step S15, the payment platform 7 transmits the transaction information 9 to the client 11 and the payment terminal 21 respectively.

Please also refer to Figure 2A, which is a flowchart of another embodiment of the present invention. As shown in Figure 2A, a method for real-time notification of transaction results of the present invention includes steps: S2: the payment receiving server at the receiving end receives the payment certificate sent by the payment platform; S4: the payment receiving server communicates with the payment certificate through the payment receiving server The mobile device on the user side performs the transaction; S6: the payment receiving server sends the transaction record of the transaction to the receiving financial institution; S8: the receiving financial institution sends the transaction record to the paying financial institution through the intermediary; S10: the paying financial institution according to the transaction record When performing a transaction, the payment financial institution sends transaction information to the intermediary; S12: the intermediary sends the transaction information to the notification platform; S14: the notification platform sends the transaction information to the payment platform; and S16: the payment platform sends transaction information to the client and receipt Section.

Please also refer to FIG. 2B, which is a system diagram of another embodiment of the present invention. As shown in Figure 2B, a system for real-time notification of transaction results includes: a payment platform 7; a mobile device 1; a payment receiving server 2, which is connected to the payment platform 7, and the payment platform 7 transmits a payment certificate 71 at the payment receiving server 2. The payment receiving server 2 performs a transaction with the mobile device 1 according to the payment certificate 71; a receiving financial institution 3 is connected to the payment receiving server 2 and receives the transaction A transaction record 8; an intermediary agency 4, which connects to the receiving financial institution 3, and receives the transaction record 8 sent by the receiving financial institution 3; a payment financial institution 5, which connects to the intermediary agency 4, and receives The transaction record 8 sent by the intermediary agency 4, and when the payment financial institution 5 conducts transactions based on the transaction record 8, the payment financial institution 5 sends transaction information 9 to the intermediary agency 4; and a notification platform 6 connected to the The intermediary agency 4 and the payment platform 7 receive the transaction information 9 sent by the intermediary agency 4, and the transaction information 9 corresponds to the transaction record 8. The notification platform 6 sends the transaction information 9 to the payment platform 7. At the same time, the payment platform 7 transmits the transaction information 9 to a client 11 corresponding to the mobile device 1 and a receiving terminal 21 connected to the payment receiving server 2.

As shown in step S2, the payment receiving server 2 of the receiving terminal 21 receives the payment certificate 71 sent by the payment platform 7, and as shown in step S4, the payment receiving server 2 communicates with the payment certificate 71 The mobile device 1 of the client 11 performs the transaction. The mobile device 1 is a smart phone, a tablet computer, or a handheld electronic device, etc., and the payment terminal 21 is located in a store or a seller. The payment voucher 71 can be a code, a QR code, or a code.

Then, as shown in step S6, the payment receiving server 2 transmits the transaction record 8 of the transaction to the receiving financial institution 3, and as shown in step S8, the receiving financial institution 3 transmits through the intermediary 4 The transaction record 8 to the payment financial institution 5. The receiving financial institution 3 and the paying financial institution 5 are located in the same financial institution or different financial institutions.

Continuing, as shown in step S10, when the payment financial institution 5 conducts a transaction based on the transaction record 8 (the transaction can be a trading transaction or a transfer transaction), the payment financial institution 5 transmits the transaction information 9 to the intermediary institution 4, and Then, as shown in step S12, the intermediary agency 4 transmits the transaction information 9 to the notification platform 6.

The transaction information 9 further includes transaction product information in the transaction record 8 and amount information in the transaction record 8.

Finally, as shown in step S14, the notification platform 6 transmits the transaction information 9 to the payment platform 7, and the notification platform 6 integrates the transaction information 9 and transmits it. As shown in step S16, the payment platform 7 transmits the transaction information 9 to the client 11 and the payment terminal 21 respectively.

The following is a practical application description of an embodiment of the present invention: when the client 11 (consumer) wants to make a transaction with the receiving terminal 21, the mobile device 1 of the client 11 will receive the payment certificate 71 sent by the payment platform 7 (It can be a barcode or QR code or a code), the client 11 uses the payment voucher 71 on the mobile device 1 to conduct a transaction with the payment receiving server 2 of the receiving terminal 21 (this transaction is a trading transaction, a transfer transaction, etc.), and payment is received The server 2 will send the transaction record 8 of this transaction to the receiving financial institution 3 after the transaction. The receiving financial institution 3 will send the transaction record 8 to the paying financial institution 5 through the intermediary 4, where the receiving financial institution 3 and the paying financial institution 5 are located in the same financial institution. Financial institutions or different financial institutions. And let the payment financial institution 5 conduct the transaction based on the transaction record 8, and during the transaction, the payment financial institution 5 transmits transaction information 9 to the intermediary institution 4, the transaction information 9 corresponds to the transaction record 8, and the intermediary institution 4 transmits the transaction information 9 to the notification platform 6 for integration. After that, the notification platform 6 will send transaction information 9 to the payment platform 7, and the payment platform 7 will send transaction information 9 to the client 11 and the payment terminal 21 at the same time, and the transaction information 9 further includes the transaction product information and the transaction record 8 Amount information of transaction record 8.

The continuation is an explanation of the actual operation of another embodiment of the present invention: when the receiving terminal 21 (store or seller) wants to conduct a transaction with the client 11 (consumer), the payment receiving server 2 of the receiving terminal 21 The payment voucher 71 (which can be a barcode or QR code or a code) sent by the payment platform 7 is received, and the payee terminal 21 uses the payment voucher 71 on the payment receiving server 2 to perform a transaction with the mobile device 1 of the client 11 (this transaction For trading transactions, transfer transactions, etc.), the payment receiving server 2 will send the transaction record 8 of this transaction to the receiving financial institution 3 after the transaction. The receiving financial institution 3 transmits the transaction record 8 to the paying financial institution 5 through the intermediary 4, wherein the receiving financial institution 3 and the paying financial institution 5 are transferred to the same financial institution or different financial institutions. And let the payment financial institution 5 conduct the transaction according to the transaction record 8, and during the transaction, the payment financial institution 5 transmits transaction information 9 to the intermediary institution 4, the transaction information 9 corresponds to the transaction record 8, and the intermediary institution 4 transmits the transaction information 9 to the notification platform 6 for integration. After that, the notification platform 6 will send transaction information 9 to the payment platform 7, and the payment platform 7 will send transaction information 9 to the client 11 and the payment terminal 21 at the same time, and the transaction information 9 further includes the transaction product information of the transaction record 8 and Amount information of transaction record 8.

Therefore, the present invention is really novel, progressive, and available for industrial use. It should meet the patent application requirements of my country's patent law. Undoubtedly, I filed an invention patent application in accordance with the law. I pray that the Bureau will grant the patent as soon as possible.

However, the above are only the preferred embodiments of the present invention, and are not used to limit the scope of implementation of the present invention. For example, the shapes, structures, features and spirits described in the scope of the patent application of the present invention are equally changed and modified. , Should be included in the scope of patent application of the present invention.

S1-S15: Step process

Claims (6)

A method for real-time notification of transaction results, the steps comprising: a mobile device at a client terminal receives a payment certificate sent by a payment platform; the mobile device performs a transaction with a payment receiving server at a receiving terminal through the payment certificate The payment receiving server sends a transaction record of the transaction to a receiving financial institution; the receiving financial institution sends the transaction record to a paying financial institution through an intermediary; when the paying financial institution conducts transactions based on the transaction record , The payment financial institution transmits a transaction information to the intermediary; the intermediary transmits the transaction information to a notification platform; the notification platform transmits the transaction information to the payment platform; and the payment platform respectively transmits the transaction information to the user Terminal and the receiving terminal; wherein the transaction information further includes transaction product information in the transaction record and amount information in the transaction record. A method for real-time notification of transaction results, the steps include: a payment receiving server at a receiving end receives a payment certificate sent by a payment platform; the payment receiving server performs processing through the payment certificate with a mobile device at a client end A transaction; the payment receiving server transmits a transaction record of the transaction to a receiving financial institution; the receiving financial institution transmits the transaction record to a paying financial institution through an intermediary; the paying financial institution conducts according to the transaction record During the transaction, the payment financial institution transmits a transaction information to the intermediary institution; the intermediary institution transmits the transaction information to a notification platform; the notification platform transmits the transaction information to the payment platform; and The payment platform transmits the transaction information to the client terminal and the receiving terminal respectively; wherein the transaction information further includes transaction product information in the transaction record and amount information in the transaction record. For example, the method of instant notification of transaction results as described in item 1 or 2 of the scope of patent application, wherein the receiving financial institution and the paying financial institution are set up in the same financial institution or different financial institutions. A system for real-time notification of transaction results, comprising: a payment platform; a mobile device connected to the payment platform, the payment platform transmitting a payment certificate to the mobile device; a payment receiving server based on the payment certificate and The mobile device conducts a transaction; a receiving financial institution connects to the payment receiving server and receives a transaction record of the transaction; an intermediary institution connects to the receiving financial institution and receives transmissions from the receiving financial institution The transaction record; a payment financial institution that connects to the intermediary institution and receives the transaction record transmitted by the intermediary institution. When the payment financial institution conducts transactions based on the transaction record, the payment financial institution transmits a transaction information to the intermediary Institution; and a notification platform that connects the intermediary institution and the payment platform, and receives the transaction information sent by the intermediary institution, the transaction information corresponds to the transaction record, the notification platform sends the transaction information to the payment platform, and The payment platform simultaneously transmits the transaction information to a client corresponding to the mobile device and a receiving terminal connected to the payment receiving server; wherein the transaction information further includes transaction product information of the transaction record and the Amount information of one of the transaction records. A system for real-time notification of transaction results, which includes: A payment platform; a mobile device; a payment receiving server connected to the payment platform, the payment platform sends a payment certificate to the payment receiving server, and the payment receiving server performs a transaction with the mobile device based on the payment certificate Transaction; a receiving financial institution that connects to the payment receiving server and receives a transaction record of the transaction; an intermediary institution that connects to the receiving financial institution and receives the transaction record sent by the receiving financial institution; A payment financial institution that connects to the intermediary institution and receives the transaction record transmitted by the intermediary institution. When the payment financial institution conducts transactions based on the transaction record, the payment financial institution transmits transaction information to the intermediary institution; and a notification A platform that connects the intermediary agency and the payment platform, and receives the transaction information sent by the intermediary agency, the transaction information corresponds to the transaction record, the notification platform sends the transaction information to the payment platform, and the payment platform simultaneously Transmit the transaction information to a receiving terminal connected to a client corresponding to the mobile device and the payment receiving server; wherein the transaction information further includes transaction product information in the transaction record and an amount in the transaction record News. For example, the system for instant notification of transaction results as described in item 4 or 5 of the scope of patent application, wherein the receiving financial institution and the paying financial institution are set up in the same financial institution or different financial institutions.

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