TWI730282B - Transaction system without card readers and method for operating transaction system without card readers - Google Patents

Transaction system without card readers and method for operating transaction system without card readers Download PDF

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TWI730282B
TWI730282B TW108100544A TW108100544A TWI730282B TW I730282 B TWI730282 B TW I730282B TW 108100544 A TW108100544 A TW 108100544A TW 108100544 A TW108100544 A TW 108100544A TW I730282 B TWI730282 B TW I730282B
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transaction
server
code
credit card
message
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TW108100544A
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TW201933258A (en
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王鏗又
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澧達科技股份有限公司
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Priority to US16/249,872 priority Critical patent/US10929838B2/en
Priority to CN201910043679.5A priority patent/CN110060048B/en
Priority to JP2019006033A priority patent/JP2019128957A/en
Priority to EP19152684.7A priority patent/EP3514747A1/en
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Abstract

A transaction system without card readers includes a transaction control device, an intermediate server, and a transaction receiving server. The transaction control device scans a barcode to derive transaction information and an internet address of the intermediate server, and transmits a connection message to the internet address of the intermediate server according to the transaction information. The intermediate server receives the connection message to build a connection to the transaction control device, obtains a transaction token and a transaction amount from the transaction control device through the connection, and transmits a transaction message according to the transaction token and the transaction amount. The transaction receiving server receives the transaction message to build a connection to the intermediate server, and transmits a transaction confirmation message to the intermediate server according to the transaction message after the transaction token is verified.

Description

免讀卡交易系統及操作免讀卡交易系統的方法 Card-free transaction system and method for operating the card-free transaction system

本發明是有關於一種免讀卡交易系統，特別是指一種能夠利用中介伺服器來簡化用戶端所需硬體的免讀卡交易系統。 The present invention relates to a card-free transaction system, in particular to a card-free transaction system that can use an intermediary server to simplify the hardware required by the client.

無紙化的交易模式雖然為消費者提供了方便的選擇，然而對於許多商家而言，為了提供各種不同的無紙化交易，諸如信用卡、智慧卡(悠遊卡)或行動支付...等等，常需要透過不同的電子設備來與提供服務的金融業者連線。由於設備裝置需要負擔額外的成本，並且需要向金融業者提出申請，因此造成商家的不便。 Although the paperless transaction model provides consumers with a convenient choice, for many merchants, in order to provide a variety of different paperless transactions, such as credit cards, smart cards (youyou cards) or mobile payment... etc. , It is often necessary to connect with the financial industry that provides services through different electronic devices. Because the equipment needs to bear additional costs and needs to apply to the financial industry, it causes inconvenience to the merchants.

舉例來說，在先前技術中，為了提供行動支付的服務，例如蘋果公司所提供的Apple Pay及三星公司所提供的Samsung Pay，商家就必須額外設置經過授權的讀卡機以讀取使用者儲存於手機內的交易代碼(token)。也就是說，商家必須透過特定的讀卡機才能夠與遠端的金融伺服器提出交易請求並進行驗證，因此在使用上較無彈性。 For example, in the prior art, in order to provide mobile payment services, such as Apple Pay provided by Apple and Samsung Pay provided by Samsung, merchants must additionally set up authorized card readers to read user storage The transaction code (token) in the mobile phone. In other words, the merchant must use a specific card reader to make a transaction request and verify the transaction with the remote financial server, so it is less flexible in use.

本發明之一實施例提供一種免讀卡交易系統，免讀卡交易系統包含交易控制裝置、中介伺服器及收單伺服器。 An embodiment of the present invention provides a card-free transaction system. The card-free transaction system includes a transaction control device, an intermediary server, and an acquiring server.

交易控制裝置掃取條碼以取得交易資訊及中介伺服器網址，並根據交易資訊送出連線訊息至中介伺服器網址。中介伺服器接收連線訊息以建立與交易控制裝置之連線，透過連線取得交易控制裝置之交易代碼及交易金額，並根據交易代碼及交易金額送出交易訊息。收單伺服器接收交易訊息以建立與中介伺服器之連線，並在交易代碼驗證完成後，根據交易訊息產生交易確認訊息至中介伺服器。 The transaction control device scans the barcode to obtain transaction information and the URL of the intermediary server, and sends a connection message to the URL of the intermediary server according to the transaction information. The intermediary server receives the connection message to establish a connection with the transaction control device, obtains the transaction code and transaction amount of the transaction control device through the connection, and sends a transaction message according to the transaction code and transaction amount. The acquiring server receives the transaction message to establish a connection with the intermediary server, and after the transaction code verification is completed, it generates a transaction confirmation message to the intermediary server based on the transaction message.

本發明之另一實施例提供一種操作免讀卡交易系統的方法。免讀卡交易系統包含交易控制裝置、中介伺服器及收單伺服器。 Another embodiment of the present invention provides a method of operating a card-free transaction system. The card-free transaction system includes a transaction control device, an intermediary server and an acquiring server.

操作免讀卡交易系統的方法包含交易控制裝置掃取條碼以取得交易資訊及中介伺服器網址，交易控制裝置根據交易資訊送出連線訊息至中介伺服器網址，中介伺服器接收連線訊息以建立與交易控制裝置之連線，中介伺服器透過連線取得交易控制裝置之交易代碼及交易金額，中介伺服器根據交易代碼及交易金額送出交易訊息，收單伺服器接收交易訊息以建立與中介伺服器之連線，及在交易代碼驗證完成後，收單伺服器根據交易訊息產生交易確認訊息至中介伺服器。 The method of operating the card-free transaction system includes scanning the barcode by the transaction control device to obtain transaction information and the URL of the intermediary server. The transaction control device sends a connection message to the URL of the intermediary server according to the transaction information, and the intermediary server receives the connection message to establish For the connection with the transaction control device, the intermediary server obtains the transaction code and transaction amount of the transaction control device through the connection. The intermediary server sends transaction information according to the transaction code and transaction amount, and the acquirer server receives the transaction information to establish and intermediary server After the transaction code verification is completed, the acquiring server generates a transaction confirmation message to the intermediary server based on the transaction message.

100:免讀卡交易系統 100: Card-free transaction system

110:交易控制裝置 110: Transaction Control Device

120:中介伺服器 120: Intermediary server

130:收單伺服器 130: Acquiring server

140:代碼解析伺服器 140: code analysis server

150:信用卡交易伺服器 150: Credit card transaction server

160:信用卡中心伺服器 160: Credit Card Central Server

M1:連線訊息 M1: Connection message

M2:交易訊息 M2: Transaction information

M3:交易確認訊息 M3: Transaction confirmation message

TKN:交易代碼 TKN: Transaction code

CN:信用卡卡號 CN: Credit card number

200:方法 200: method

S210至S270、S310至S390:步驟 S210 to S270, S310 to S390: steps

第1圖為本發明一實施例之免讀卡交易系統的示意圖。 Figure 1 is a schematic diagram of a card-free transaction system according to an embodiment of the present invention.

第2圖為本發明一實施例之操作第1圖之免讀卡交易系統之方法流程圖。 Figure 2 is a flowchart of a method for operating the card-free transaction system shown in Figure 1 according to an embodiment of the present invention.

第3圖為第2圖之方法中，驗證交易代碼的步驟流程圖。 Figure 3 is a flowchart of the steps of verifying the transaction code in the method shown in Figure 2.

第1圖為本發明一實施例之免讀卡交易系統100的示意圖。免讀卡交易系統100包含交易控制裝置110、中介伺服器120及收單伺服器130。 Figure 1 is a schematic diagram of a card-free transaction system 100 according to an embodiment of the present invention. The card-free transaction system 100 includes a transaction control device 110, an intermediary server 120 and an acquiring server 130.

在本發明的部分實施例中，交易控制裝置110可為智慧型手機或平板電腦。當使用者欲利用交易控制裝置110來進行線上付款時，可利用交易控制裝置110掃取商家所提供的條碼以取得交易資訊及中介伺服器網址，此時交易控制裝置110便可根據取得的交易資訊送出連線訊息M1至中介伺服器網址。在本發明的部分實施例中，商家提供的條碼可例如為一維條碼或二維條碼。 In some embodiments of the present invention, the transaction control device 110 may be a smart phone or a tablet computer. When the user wants to use the transaction control device 110 to make online payments, he can use the transaction control device 110 to scan the barcode provided by the merchant to obtain transaction information and the URL of the intermediary server. At this time, the transaction control device 110 can use the acquired transaction The information sends the connection message M1 to the URL of the intermediary server. In some embodiments of the present invention, the barcode provided by the merchant may be, for example, a one-dimensional barcode or a two-dimensional barcode.

中介伺服器120在接收連線訊息M1後可進一步建立與交易控制裝置110的連線，並透過連線取得交易控制裝置110之交易代碼(token)及交易金額。在本發明的部分實施例中，交易代碼會對應至使用者所綁定的信用卡卡號。舉例來說，免讀卡交易系統100可以利用特定的代碼服務技術將信用卡卡號轉換為對應的交易代碼，而交易代碼可例如為虛擬的數位帳號或是可被安全儲存於行動裝置內的代碼。目前提供此代碼服務技術的公司包含VISA國際組織或萬事達卡(Mastercard)國際組織。也就是說，使用者在交易控制裝置110上綁定信用卡之後，便可透過網路連線到中介伺服器120來執行交易。 After receiving the connection message M1, the intermediary server 120 can further establish a connection with the transaction control device 110, and obtain the transaction code (token) and the transaction amount of the transaction control device 110 through the connection. In some embodiments of the present invention, the transaction code corresponds to the credit card number bound to the user. For example, the card-free transaction system 100 can use a specific code service technology to convert a credit card number into a corresponding transaction code, and the transaction code can be, for example, a virtual digital account number or a code that can be safely stored in a mobile device. The companies that currently provide this code service technology include VISA International Organization or Mastercard International Organization. In other words, after the user binds the credit card to the transaction control device 110, he can connect to the intermediary server 120 via the network to perform the transaction.

中介伺服器120在取得交易代碼及交易金額後，可根據交易代碼及交易金額送出交易訊息M2至收單伺服器130。收單伺服器130可接收交易訊息M2以建立與中介伺服器120的連線，並在交易代碼驗證完成後，根據交易訊息M2產生交易確認訊息M3至中介伺服器120。 After obtaining the transaction code and transaction amount, the intermediary server 120 can send a transaction message M2 to the acquiring server 130 according to the transaction code and transaction amount. The acquiring server 130 may receive the transaction message M2 to establish a connection with the intermediary server 120, and after the transaction code verification is completed, generate a transaction confirmation message M3 to the intermediary server 120 according to the transaction message M2.

在本發明的部分實施例中，收單伺服器130可由提供行動支付服務的公司所設立的，例如提供Apple Pay的蘋果公司或提供Samsung Pay的三星公司。在先前技術中，商家會利用讀卡機以近場通訊(Near Field Communication，NFC)的方式讀取手機中綁定信用卡所對應的交易代碼，而讀卡機則會自行連線到收 單伺服器130以進行後續的交易。為了確保交易進行的安全性，收單伺服器130與讀卡機之間的通訊會要求特定的資訊並以特定的格式進行。在此實施例中，中介伺服器120在取得交易代碼及交易金額之後，可模擬讀卡機的行為以建立與收單伺服器130的連線，也就是說，中介伺服器120實際上會根據讀卡機的傳訊格式來傳送交易代碼至收單伺服器130。 In some embodiments of the present invention, the acquiring server 130 may be established by a company that provides mobile payment services, such as Apple that provides Apple Pay or Samsung that provides Samsung Pay. In the prior art, the merchant will use the card reader to read the transaction code corresponding to the credit card bound to the mobile phone by means of Near Field Communication (NFC), and the card reader will connect to the receiver by itself. Single server 130 for subsequent transactions. In order to ensure the security of the transaction, the communication between the acquiring server 130 and the card reader will require specific information and be conducted in a specific format. In this embodiment, after obtaining the transaction code and transaction amount, the intermediary server 120 can simulate the behavior of the card reader to establish a connection with the acquiring server 130, that is, the intermediary server 120 will actually The communication format of the card reader transmits the transaction code to the acquiring server 130.

透過中介伺服器120，商家就無需為了提供行動支付功能而額外設置讀卡機，因此能夠簡化所需的硬體設備。此外，中介伺服器120還可包含記憶體以儲存交易訊息M2，以供使用者日後查詢確認。 Through the intermediary server 120, the merchant does not need to install an additional card reader in order to provide mobile payment functions, so the required hardware equipment can be simplified. In addition, the intermediary server 120 may also include a memory to store the transaction information M2 for the user to check and confirm in the future.

在第1圖的實施例中，為了完成交易代碼的驗證，免讀卡交易系統100還可包含代碼解析伺服器140、信用卡交易伺服器150及信用卡中心伺服器160。信用卡中心伺服器160可例如由國內統整信用卡的組織所設立，例如由聯合信用卡中心設立。信用卡中心伺服器160可將收單伺服器130所傳來之交易代碼TKN傳送至代碼解析伺服器140。 In the embodiment of FIG. 1, in order to complete the verification of the transaction code, the card-free transaction system 100 may further include a code analysis server 140, a credit card transaction server 150, and a credit card center server 160. The credit card center server 160 may be established, for example, by an organization that regulates credit cards in China, such as a United Credit Card Center. The credit card center server 160 may send the transaction code TKN from the acquiring server 130 to the code analysis server 140.

代碼解析伺服器140可解析交易代碼TKN以取得信用卡卡號CN。舉例來說，代碼解析伺服器140可由提供代碼服務技術的公司或組織所設立，因此可將交易代碼TKN還原回對應的信用卡卡號CN。接著，代碼解析伺服器140可以將信用卡卡號CN回傳給信用卡中心伺服器160，而信用卡中心伺服器160則會將信用卡卡號CN傳送至對應的信用卡交易伺服器150以進行驗證。 The code analysis server 140 can parse the transaction code TKN to obtain the credit card number CN. For example, the code analysis server 140 can be set up by a company or organization that provides code service technology, so the transaction code TKN can be restored back to the corresponding credit card number CN. Then, the code analysis server 140 may return the credit card number CN to the credit card center server 160, and the credit card center server 160 will send the credit card number CN to the corresponding credit card transaction server 150 for verification.

換言之，信用卡中心伺服器160可根據信用卡卡號CN得知此信用卡的發行公司，並將信用卡卡號CN傳送到由信用卡發行公司所設立的信用卡交易伺服器150。如此一來，信用卡交易伺服器150就能夠對自身發行的信用卡進行驗證，並在信用卡卡號CN驗證完成後，處理交易訊息M2所對應之交易。 In other words, the credit card center server 160 can know the issuing company of the credit card according to the credit card number CN, and transmit the credit card number CN to the credit card transaction server 150 set up by the credit card issuing company. In this way, the credit card transaction server 150 can verify the credit card issued by itself, and process the transaction corresponding to the transaction message M2 after the verification of the credit card number CN is completed.

此外，在本發明的部分實施例中，信用卡中心伺服器160還可將信用卡卡號CN傳送至代碼解析伺服器140，而代碼解析伺服器140則會將信用卡卡號 CN重新編碼成交易代碼TKN，並將交易代碼TKN傳送至信用卡中心伺服器160。接著，信用卡中心伺服器160便可將交易代碼TKN傳送至收單伺服器130以確認交易完成。如此一來，收單伺服器130和商家都無法取得真實的信用卡卡號CN，因此能夠讓行動支付的流程更加安全。 In addition, in some embodiments of the present invention, the credit card center server 160 may also send the credit card number CN to the code analysis server 140, and the code analysis server 140 may send the credit card number The CN is re-encoded into the transaction code TKN, and the transaction code TKN is transmitted to the credit card center server 160. Then, the credit card center server 160 can send the transaction code TKN to the acquiring server 130 to confirm the completion of the transaction. In this way, neither the acquiring server 130 nor the merchant can obtain the real credit card number CN, so the mobile payment process can be made more secure.

第2圖為本發明一實施例之操作免讀卡交易系統100之方法200的流程圖。方法200包含步驟S210至S270。 FIG. 2 is a flowchart of a method 200 of operating the card-free transaction system 100 according to an embodiment of the present invention. The method 200 includes steps S210 to S270.

S210：交易控制裝置110掃取條碼以取得交易資訊及中介伺服器網址；S220：交易控制裝置110根據交易資訊送出連線訊息M1至中介伺服器網址；S230：中介伺服器120接收連線訊息M1以建立與交易控制裝置110之連線；S240：中介伺服器120透過連線取得交易控制裝置110之交易代碼及交易金額；S250：中介伺服器120根據交易代碼及交易金額送出交易訊息M2；S260：收單伺服器130接收交易訊息M2以建立與中介伺服器120之連線；S270：在交易代碼TKN驗證完成後，收單伺服器130根據交易訊息M2產生交易確認訊息M3至中介伺服器120。 S210: The transaction control device 110 scans the barcode to obtain the transaction information and the intermediary server URL; S220: the transaction control device 110 sends a connection message M1 to the intermediary server URL according to the transaction information; S230: the intermediary server 120 receives the connection message M1 To establish a connection with the transaction control device 110; S240: the intermediary server 120 obtains the transaction code and transaction amount of the transaction control device 110 through the connection; S250: the intermediary server 120 sends a transaction message M2 according to the transaction code and transaction amount; S260 : The acquirer server 130 receives the transaction message M2 to establish a connection with the intermediary server 120; S270: After the transaction code TKN verification is completed, the acquirer server 130 generates a transaction confirmation message M3 to the intermediary server 120 according to the transaction message M2 .

透過方法200，商家就無需為了提供行動支付功能而額外設置讀卡機，因此能夠簡化所需的硬體設備，增加提供服務的彈性。 Through the method 200, the merchant does not need to install an additional card reader in order to provide mobile payment functions, so the required hardware equipment can be simplified, and the flexibility of providing services can be increased.

第3圖為操作免讀卡交易系統100之方法中，驗證交易代碼TKN的步驟流程圖。在第3圖中，驗證交易代碼TKN可包含步驟S310至S390。 Figure 3 is a flow chart of steps for verifying the transaction code TKN in the method of operating the card-free transaction system 100. In Figure 3, verifying the transaction code TKN may include steps S310 to S390.

S310：信用卡中心伺服器160將收單伺服器130所傳來之交易代碼 TKN傳送至代碼解析伺服器140；S320：代碼解析伺服器140解析交易代碼TKN以取得信用卡卡號CN；S330：信用卡中心伺服器160將信用卡卡號CN傳送至信用卡交易伺服器150；S340：信用卡交易伺服器150驗證信用卡卡號CN；S350：信用卡交易伺服器150處理交易訊息M2所對應之交易；S360：信用卡中心伺服器160將信用卡卡號CN傳送至代碼解析伺服器140；S370：代碼解析伺服器140將信用卡卡號CN編碼成交易代碼TKN；S380：代碼解析伺服器140將交易代碼TKN傳送至信用卡中心伺服器160；S390：信用卡中心伺服器160將交易代碼TKN傳送至收單伺服器130以確認交易。 S310: The credit card center server 160 sends the transaction code from the acquiring server 130 TKN is sent to the code analysis server 140; S320: the code analysis server 140 parses the transaction code TKN to obtain the credit card number CN; S330: the credit card center server 160 sends the credit card number CN to the credit card transaction server 150; S340: the credit card transaction server The server 150 verifies the credit card number CN; S350: the credit card transaction server 150 processes the transaction corresponding to the transaction message M2; S360: the credit card center server 160 sends the credit card number CN to the code analysis server 140; S370: the code analysis server 140 will The credit card number CN is encoded into the transaction code TKN; S380: the code analysis server 140 transmits the transaction code TKN to the credit card center server 160; S390: the credit card center server 160 transmits the transaction code TKN to the acquiring server 130 to confirm the transaction.

透過步驟S310至S390，免讀卡交易系統100就能夠在線上進行交易代碼TKN的驗證，同時可以避免商家取得信用卡卡號CN和刷卡人的資訊，增加行動支付的安全性。 Through steps S310 to S390, the card-free transaction system 100 can verify the transaction code TKN online, and at the same time, it can prevent the merchant from obtaining the credit card number CN and the information of the person who swiped the card, thereby increasing the security of mobile payment.

綜上所述，本發明之實施例所提供的免讀卡交易系統及操作免讀卡交易系統的方法可以利用中介伺服器取代讀卡機，讓商家在無需額外設置讀卡機的情況下，仍然能夠提供行動支付的服務，達到簡化硬體設備，增加服務彈性的功效。以上所述僅為本發明之較佳實施例，凡依本發明申請專利範圍所做之均等變化與修飾，皆應屬本發明之涵蓋範圍。 In summary, the card-free transaction system and the method for operating the card-free transaction system provided by the embodiments of the present invention can use an intermediary server to replace the card reader, so that merchants do not need to set up additional card readers. It can still provide mobile payment services to simplify hardware equipment and increase service flexibility. The foregoing descriptions are only preferred embodiments of the present invention, and all equivalent changes and modifications made in accordance with the scope of the patent application of the present invention shall fall within the scope of the present invention.

200:方法 200: method

S210至S270:步驟 S210 to S270: steps

Claims (10)

一種免讀卡交易系統，包含：一交易控制裝置，用以掃取一條碼以取得一交易資訊及一中介伺服器網址，及根據該交易資訊送出一連線訊息至該中介伺服器網址；一中介伺服器，用以接收該連線訊息以建立與該交易控制裝置之一連線，透過該連線取得該交易控制裝置之一交易代碼及一交易金額，及根據該交易代碼及該交易金額送出一交易訊息；及一收單伺服器，用以接收該交易訊息以建立與該中介伺服器之一連線，在該交易代碼驗證完成後，根據該交易訊息產生一交易確認訊息至該中介伺服器；其中該中介伺服器係根據一讀卡機傳訊格式傳送該交易代碼至該收單伺服器。 A card-free transaction system, comprising: a transaction control device for scanning a code to obtain transaction information and an intermediary server URL, and sending a connection message to the intermediary server URL based on the transaction information; The intermediary server is used to receive the connection message to establish a connection with one of the transaction control devices, obtain a transaction code and a transaction amount of the transaction control device through the connection, and according to the transaction code and the transaction amount Send a transaction message; and an acquiring server to receive the transaction message to establish a connection with one of the intermediary servers, and after the transaction code verification is completed, generate a transaction confirmation message to the intermediary based on the transaction message Server; wherein the intermediate server transmits the transaction code to the acquiring server according to a card reader communication format. 如請求項1所述之免讀卡交易系統，其中該交易控制裝置係為一智慧型手機或一平板電腦。 The card-free transaction system according to claim 1, wherein the transaction control device is a smart phone or a tablet computer. 如請求項1所述之免讀卡交易系統，其中該中介伺服器另包含一記憶體，用以儲存該交易訊息。 The card-free transaction system according to claim 1, wherein the intermediary server further includes a memory for storing the transaction information. 如請求項1所述之免讀卡交易系統，其中該交易代碼係對應至一信用卡卡號。 The card-free transaction system according to claim 1, wherein the transaction code corresponds to a credit card number. 如請求項4所述之免讀卡交易系統，另包含：一代碼解析伺服器，用以解析該交易代碼以取得該信用卡卡號； 一信用卡交易伺服器，用以驗證該信用卡卡號，及處理該交易訊息所對應之一交易；及一信用卡中心伺服器，用以將該收單伺服器所傳來之該交易代碼傳送至該代碼解析伺服器，及將該信用卡卡號傳送至該信用卡交易伺服器以進行驗證。 The card-free transaction system described in claim 4 further includes: a code parsing server for parsing the transaction code to obtain the credit card number; A credit card transaction server for verifying the credit card number and processing a transaction corresponding to the transaction message; and a credit card center server for sending the transaction code from the acquiring server to the code Parse the server, and send the credit card number to the credit card transaction server for verification. 如請求項5所述之免讀卡交易系統，其中：該信用卡中心伺服器另用以將該信用卡卡號傳送至代碼解析伺服器；該代碼解析伺服器另用以將該信用卡卡號編碼成該交易代碼，及將該交易代碼傳送至該信用卡中心伺服器；及該信用卡中心伺服器將該交易代碼傳送至該收單伺服器以確認該交易。 The card-free transaction system according to claim 5, wherein: the credit card center server is further used to transmit the credit card number to a code analysis server; the code analysis server is further used to encode the credit card number into the transaction Code, and send the transaction code to the credit card center server; and the credit card center server sends the transaction code to the acquiring server to confirm the transaction. 一種操作免讀卡交易系統的方法，該免讀卡交易系統包含一交易控制裝置、一中介伺服器及一收單伺服器，該方法包含：該交易控制裝置掃取一條碼以取得一交易資訊及一中介伺服器網址；該交易控制裝置根據該交易資訊送出一連線訊息至該中介伺服器網址；該中介伺服器接收該連線訊息以建立與該交易控制裝置之一連線；該中介伺服器透過該連線取得該交易控制裝置之一交易代碼及一交易金額；該中介伺服器根據該交易代碼及一交易金額送出一交易訊息；該收單伺服器接收該交易訊息以建立與該中介伺服器之一連線；及在該交易代碼驗證完成後，該收單伺服器根據該交易訊息產生一交易確認訊息至該中介伺服器； 其中該中介伺服器根據該交易代碼及該交易金額送出該交易訊息係該中介伺服器根據一讀卡機傳訊格式傳送該交易代碼至該收單伺服器。 A method for operating a card-free transaction system. The card-free transaction system includes a transaction control device, an intermediary server, and an acquiring server. The method includes: the transaction control device scans a code to obtain transaction information And an intermediary server URL; the transaction control device sends a connection message to the intermediary server URL based on the transaction information; the intermediary server receives the connection message to establish a connection with one of the transaction control devices; the intermediary The server obtains a transaction code and a transaction amount of the transaction control device through the connection; the intermediary server sends a transaction message according to the transaction code and a transaction amount; the acquiring server receives the transaction message to establish a connection with the transaction control device One of the intermediary servers connects; and after the transaction code verification is completed, the acquiring server generates a transaction confirmation message to the intermediary server according to the transaction message; The intermediary server sending the transaction message according to the transaction code and the transaction amount is the intermediary server sending the transaction code to the acquiring server according to a card reader communication format. 如請求項7所述之方法，其中該交易代碼係對應至一信用卡卡號。 The method according to claim 7, wherein the transaction code corresponds to a credit card number. 如請求項8所述之方法，其中該免讀卡交易系統另包含一代碼解析伺服器、一信用卡交易伺服器及一信用卡中心伺服器，該方法另包含在該收單伺服器接收該交易訊息以建立與該中介伺服器之該連線後：該信用卡中心伺服器將該收單伺服器所傳來之該交易代碼傳送至該代碼解析伺服器；該代碼解析伺服器解析該交易代碼以取得該信用卡卡號；該信用卡中心伺服器將該信用卡卡號傳送至該信用卡交易伺服器；該信用卡交易伺服器驗證該信用卡卡號；及該信用卡交易伺服器處理該交易訊息所對應之一交易。 The method according to claim 8, wherein the card-free transaction system further includes a code analysis server, a credit card transaction server, and a credit card center server, and the method further includes receiving the transaction message at the acquiring server After establishing the connection with the intermediary server: the credit card center server sends the transaction code from the acquiring server to the code analysis server; the code analysis server parses the transaction code to obtain The credit card number; the credit card center server transmits the credit card number to the credit card transaction server; the credit card transaction server verifies the credit card number; and the credit card transaction server processes a transaction corresponding to the transaction message. 如請求項9所述之方法，另包含：該信用卡中心伺服器將該信用卡卡號傳送至代碼解析伺服器；該代碼解析伺服器將該信用卡卡號編碼成該交易代碼；該代碼解析伺服器將該交易代碼傳送至該信用卡中心伺服器；及該信用卡中心伺服器將該交易代碼傳送至該收單伺服器以確認該交易。 The method according to claim 9, further comprising: the credit card center server transmits the credit card number to the code analysis server; the code analysis server encodes the credit card number into the transaction code; the code analysis server sends the code The transaction code is sent to the credit card center server; and the credit card center server sends the transaction code to the acquiring server to confirm the transaction.
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