TWM555517U - Financial card trading system using mobile device - Google Patents

Abstract

The present invention provides a system for performing financial card transactions by using a mobile device, installing a digital wallet in a mobile device, setting a financial card list, selecting a transfer mode or a balance inquiry mode after entering the digital wallet; from the financial card list Select the financial card and enter a password to be verified by a digital wallet; the digital wallet sends out transaction information including transaction information and financial card information for transfer operation or balance inquiry; transaction data through a backend server , an acquiring institution and an authorized transfer center are transmitted to a card issuing institution. After the card issuing institution verifies the financial card card information, it provides a service corresponding to the transfer mode or the balance inquiry mode, and returns a transaction detail notice to the digital wallet. . Therefore, the user can easily complete the transfer and balance inquiry on the mobile device without the need of a counter or a card reader, thereby greatly saving time.

Description

System for financial card transactions using mobile devices

The present invention relates to a financial transaction system for applying a mobile device, and more particularly to a system for using a mobile device for financial card transactions.

With the development of technology, smart devices such as smart phones and tablets are lighter and more portable, and at the same time, the functions on smart devices are more perfect, in addition to basic functions such as making calls, sending text messages, surfing the Internet, taking photos, etc. In addition, you can also use virtual credit cards, debit cards, leisure cards and other cards to carry out transactions, without the need to bring a variety of cards on the body, greatly reducing the thickness and weight of the wallet, without the wallet to go out, travel, food, shopping.

However, as far as the financial card is concerned, since the smart device does not have an external card reader, it cannot support various transactions of the financial card, such as transfer, balance inquiry, etc., so the user needs to insert the card into the ATM before the transfer transaction, or Connect the computer to the card reader, insert the financial card into the card reader and use the online ATM to work online. In this way, the user can only choose to go out and look for the ATM or purchase the card reader, which is time consuming and laborious, and even more expensive. If the user only checks the balance, the ATM of any bank can be queried free of charge, but if the transfer is required, the ATM of the issuing bank of the financial card must be found, otherwise the fee for inter-bank transfer will be incurred.

Therefore, this creation proposes a system for using financial devices to conduct financial card transactions, which can effectively solve the above problems. The specific architecture and its implementation will be detailed below:

The main purpose of this creation is to provide a system for financial card transactions using mobile devices, which installs a digital wallet application in a mobile device, and downloads financial card data into a digital wallet, using a digital wallet. You can transfer funds online or check your balance without having to insert a card, saving you the cost of buying a card reader and eliminating the need to travel to the ATM.

Another object of the present invention is to provide a system for using a mobile device for financial card transactions, which integrates financial cards of different card issuers into the same digital wallet, and uses the backend server and the authorized transfer center to provide financial card information. Transfer to the correct card issuer.

A further object of the present invention is to provide a system for using a mobile device for financial card transactions, wherein if a transfer failure occurs, the financial card can be re-selected in the transfer mode, and the card needs to be withdrawn before the ATM, Reinserting another card is quicker and easier.

To achieve the above objective, the present invention provides a system for performing a financial card transaction by using a mobile device, comprising: a mobile device, wherein a digital wallet is installed, and a financial card list including at least one financial card is set in the digital wallet. The card information of the financial card includes a financial card number of the financial card, after entering the digital wallet, selecting a transfer mode or a balance inquiry mode, and selecting the financial card from the financial card list, and inputting one of the financial cards After the password, the transfer operation or the balance inquiry operation is sent, and the transaction information including the transaction information and the financial card card information is sent; a back-end server is the application server of the digital wallet, and is connected with the digital wallet signal to receive the The transaction data transmitted by the digital wallet; at least one acquiring institution, connected to the backend server signal, receiving the transaction data transmitted by the backend server; an authorized transfer center, and the acquiring institution signal Connecting, receiving the transaction data sent by the acquiring institution; and at least one card issuing institution, connecting with the authorized transfer center signal, receiving Authorizing the transfer information sent by the transfer center, verifying the financial card information and confirming the correctness, providing the service corresponding to the transfer mode or the balance inquiry mode, and through the authorized transfer center, the acquirer and the latter The end server returns a transaction detail notification to the digital wallet.

Wherein, the transfer mode of the digital wallet is input into the digital wallet and a transfer account number and a transfer amount are transmitted to the card issuer through the acquirer and the authorized transfer center to receive the financial relationship with the card issuer. The card number corresponding to one of the financial accounts transfers the transferred amount to the transferred account.

The balance inquiry mode of the digital wallet is provided by the card issuing institution to query one of the financial accounts corresponding to the financial card number, and return the balance of the deposit to the digital wallet service.

When the transfer account and the financial card are different card issuers, the financial card number, the transferred account number and the transferred amount are transmitted to the other card issuing bank to which the transferred account belongs through the authorized transfer center.

The digital wallet transfer mode further includes a list of commonly used accounts.

The digital wallet transfer mode further includes a bank list, and after selecting a designated bank, the financial card list is filtered, so that the financial statement list only displays the financial card of the designated bank.

The backend server further provides a verification code to the digital wallet, and the correct verification code is input in the digital wallet to perform the transfer operation or the balance inquiry operation. This verification code can be a dynamic verification code.

The mobile device is a smart phone or tablet.

This creation provides a system for financial card transactions using mobile devices, using digital wallets installed on mobile devices for transfer and balance inquiry operations. Please refer to Figure 1, which is a block diagram of the system for creating financial card transactions using mobile devices.

The system for utilizing the mobile device to perform the financial card transaction includes a mobile device 10, a backend server 20, at least one acquiring mechanism 22, an authorized transfer center 24, and at least one card issuing mechanism 26, wherein the mobile device 10 is A smart phone or tablet that installs a digital wallet 12 application, and sets a financial card list containing at least one financial card in the digital wallet 12, and the card information of the financial card includes one financial card number of the financial card. The digital wallet 12 includes a transfer mode and a balance inquiry mode. After selecting the mode and the financial card, the financial card password is input for verification, and the transaction information including the transaction information and the financial card information is sent, and the transaction information includes The transaction time of the back end server 20 is the application server of the digital wallet 12, and is connected with the digital wallet 12 signal to receive the transaction data transmitted by the digital wallet 12; the acquiring mechanism 22 is connected with the signal of the back end server 20. Receiving transaction data transmitted by the backend server 20; the authorized transfer center 24 is connected to the acquirer 22 signal, and receives the transaction data sent by the acquirer 22. The card issuing institution 26 is a financial institution that issues the financial card, and is connected with the authorized transfer center 24 signal, receives the transaction data sent by the authorized transfer center 24, and verifies the financial card card information to determine whether the financial card card information is correct. After the verification is passed, the service corresponding to the transfer mode or the balance inquiry mode is provided, and a transaction detail notification is sent back to the digital wallet 12 through the authorized transfer center 24, the acquirer 22 and the backend server 20.

Figure 2 is a flow chart of the method for creating a financial card transaction using a mobile device. Please refer to Figure 1. As described in steps S10-S12, a digital wallet 12 is installed in the mobile device 10, wherein a financial card list including at least one financial card is set, and the card information of the financial card includes one financial card number of the financial card, and enters After the digital wallet 12, a transfer mode or a balance inquiry mode is selected; in step S14, a financial card is selected from the financial card list, and a password of the financial card is input, and the wallet is verified by a digital wallet, but steps S12 and S14 are also performed. Interchangeable, first select the financial card and then select the transfer mode or the balance inquiry mode; in step S16, the digital wallet 12 sends out the transaction information including the transaction information and the financial card card information to perform the transfer operation or the balance inquiry operation; in step S18 The transaction data is transmitted to the card issuer 26 through the backend server 20, the acquirer 22, and the authorized transfer center 24; in step S20, the card issuer 26 receives the transaction data and verifies and confirms the financial card information contained therein. Whether the financial card card information is correct; after the financial card card information is verified, in step S22, the card issuing institution 26 provides a corresponding transfer mode. Balance inquiry mode of service, and through authorized switching center 24, the acquirer 22 and 20 back-end server return a notification to the transaction detail digital wallet 12 in step S24. The transaction details can include information such as transaction date and time, transfer account number, transfer account number and transaction amount.

In the digital wallet, the flow chart of selecting the transfer mode is as shown in FIG. 3, step S30 enters the digital wallet and selects the transfer mode, and then in step S32, a transfer account and a transfer amount are required, and from the financial In the card list, select a financial card to be used for transfer, enter the password of the financial card, and verify by a digital wallet. In step S32, the financial card may be selected first and then the transfer mode is selected; in step S34, the digital wallet is selected. Transmitting the transaction information including the transaction information and the financial card card information to perform the transfer operation; in step S36, the transaction data is transmitted to the card issuer through the backend server, the acquirer and the authorized transfer center; in step S38, the card issuer receives Transaction data, and verify the financial card card information contained therein to determine whether the financial card card information is correct; when the financial card card information is verified, in step S40, the card issuing institution provides a service corresponding to the transfer mode, from the financial The card number corresponding to one of the financial accounts is transferred to the transferred account, and in step S42, the authorized transfer center is passed. The acquirer and the back-end server return a transaction detail notification to the digital wallet.

When the transfer account and the financial card are different card issuers, as described in step S44, the financial card number, the transferred account number, and the payment amount are transmitted to the other card issuing bank to which the transfer account belongs by using the authorized transfer center. For example, if you want to use the financial card of Bank A and transfer 200 yuan from the bank account of Bank A to the account of Bank B, then in step S42, Bank A will transfer the date and time of the transaction, transfer the account number, transfer the account number and The transaction schedule of the transaction amount of 200 yuan and other information is given to the wallet. At the same time, if the bank transfer is notified to the bank B through the authorized transfer center in step S44, there is a bank A's financial account to transfer 200 yuan to the transfer account of the bank B.

The acquirer that cooperates with the back-end server can include multiple. For example, banks A, B, C, and D all cooperate with the back-end server, so if the user selects the financial card of the bank A, B, C or D, For example, the financial card of Bank C, the back-end server will automatically select C Bank as the acquiring institution of the transaction, then the acquiring institution is equal to the card issuing institution; if the user chooses the financial card of E Bank, due to E Bank There is no cooperation with the backend server, so the backend server will select either the A, B, C or D bank as the acquirer, and transfer the transaction data to the issuer E bank through the authorized transfer center.

In addition, in the digital wallet, if the balance inquiry mode is selected, the flowchart is as shown in FIG. 4, step S50 enters the digital wallet and selects the balance inquiry mode, and then selects one from the financial card list in step S52. Inquiring the financial card, inputting the password of the financial card, and verifying by the digital wallet; in step S54, the digital wallet sends out the transaction information including the transaction information and the financial card card information to perform the transfer operation; in step S56, the transaction The data is transmitted to the card issuing institution through the backend server, the acquiring institution and the authorized transfer center; in step S58, the card issuing institution receives the transaction data, and verifies the financial card card information contained therein, and determines whether the financial card card information is correct; After the financial card card information is verified, in step S60, the card issuing institution provides a service corresponding to the balance inquiry mode, and queries the deposit balance of one of the financial accounts corresponding to the financial card number, and in step S62, through the authorized transfer center, The acquirer and the backend server return a transaction detail notification containing one of the deposit balances to the digital wallet.

In the above embodiment, if the card issuing institution fails to verify the financial card card information, or the financial account balance corresponding to the financial card number is less than the transferred amount, the failure message is transmitted to the digital wallet. The user can re-enter or select another financial card.

Figure 5 is a schematic diagram of an operation interface of a system for creating a financial card transaction using a mobile device. In the operation interface of the transfer mode, a common account list 122, a bank list 123, a transfer account entry field 124, a transfer amount input field 126, a financial card selection key 128, a password input field 130 and a Verification code input field 132. The common account list 122 and the bank list 123 can be a pull-down menu, respectively listing all the common accounts set by the user and the names and codes of all financial institutions in the country; transferring to the account input field 124 and the transfer amount input field. 126 Fill in the transfer account number and the transfer amount separately. The financial card selection button 128 can also be a list of financial cards of the pull-down menu, or open the financial card list 134 of FIG. 6. If the financial card list 134 of Figure 6 is jumped out, the single-click selection will return to the fifth. The interface of the figure, and input the password of the selected financial card, the password can be the password of the physical financial card or the password of the deposit; the verification code input field 132 is the verification code provided by the backend server, and then the verification code Entering the same verification code as the one on the input field 132 is correct, and the next step of the transfer operation can be performed. The backend server first verifies that the verification code is correct, and then inputs the information (including transferring the account number, transferring The payment amount, financial card number and password are transmitted to the card issuer.

Figure 7 is a schematic diagram of an embodiment of an operation interface for creating a balance inquiry mode in a system for performing financial card transactions using a mobile device. Compared with the fifth figure, since the interface does not need to be transferred out, the interface includes only one financial card selection key 128, a password input field 130 and a verification code input field 132, and the financial card selection key 128 can also be a pull-down menu. The financial card list, or the financial card list 134 of Figure 6, if it is jumped out of the financial card list 134 of Figure 6, after clicking the button, it will return to the interface of Figure 7 and input the selected financial card. The password has been entered and memorized by the user in the digital wallet, so the financial card password entered at this time is verified by the digital wallet; the verification code input field 132 is the verification code provided by the backend server. The re-verification code input field 132 is the same as the verification code on the left side, and the next step of the balance inquiry operation can be performed, and the financial card number and password are transmitted to the card issuing institution, and the intermediate back-end server first verifies the verification code. is it right or not.

In summary, the system for using the mobile device to conduct financial card transactions provided by the present invention installs a digital wallet in the mobile device, and downloads the information of the financial card card such as the issuing bank and the card number into the digital wallet, so that You can use the digital wallet to transfer money or check the balance. You don't need a physical financial card, you can save the cost of buying a card reader and avoid the travel time to the ATM. In the event of a transaction failure, it may be that the card number or password is entered incorrectly, and you can choose to re-enter or select another financial card, without the cumbersome steps of exiting the card and re-inserting another card before the ATM. Faster and more convenient.

The above description is only for the preferred embodiment of the present invention and is not intended to limit the scope of the present invention. Therefore, any change or modification of the characteristics and spirit described in the scope of this application shall be included in the scope of the patent application for this creation.

10‧‧‧Mobile devices

12‧‧‧ digital wallets

122‧‧‧Common account list

123‧‧‧Bank list

124‧‧‧ Transfer to account entry field

126‧‧‧ Transfer amount input field

128‧‧‧Financial Card Selection Button

130‧‧‧password input field

132‧‧‧Verification code input field

134‧‧‧Financial Card List

20‧‧‧Backend server

22‧‧ ‧ acquiring institution

24‧‧‧Authorized Transfer Center

26‧‧‧ card issuer

Figure 1 is a block diagram of a system for creating a financial card transaction using a mobile device. Figure 2 is a flow chart of the system for creating a financial card transaction using a mobile device. Figure 3 is a flow chart of the transfer mode in the system for creating a financial card transaction using a mobile device. Figure 4 is a flow chart showing the balance inquiry mode in the system for creating a financial card transaction using a mobile device. Figure 5 is a schematic diagram of an embodiment of an operation interface for creating a transfer mode in a system for financial card transactions using a mobile device. Figure 6 is a schematic diagram of a list of financial cards in a system for creating financial card transactions using mobile devices. Figure 7 is a schematic diagram of an embodiment of an operation interface for creating a balance inquiry mode in a system for performing financial card transactions using a mobile device.

10‧‧‧Mobile devices

12‧‧‧ digital wallets

20‧‧‧Backend server

22‧‧ ‧ acquiring institution

24‧‧‧Authorized Transfer Center

26‧‧‧ card issuer

Claims (9)

A system for performing a financial card transaction by using a mobile device, comprising: a mobile device, wherein a digital wallet is disposed, and a financial card list including at least one financial card is set in the digital wallet, and the card information of the financial card includes the A financial card number of the financial card, the digital wallet includes at least two transaction modes, such as a transfer mode and a balance inquiry mode, selecting the financial card from the financial card list and inputting a password of the financial card, the digit After verifying the password, the wallet performs a transfer operation or a balance inquiry operation, and sends a transaction data, which includes at least one transaction information and the financial card card information; and a backend server, which is an application server of the digital wallet, Connected to the digital wallet signal to receive the transaction data transmitted by the digital wallet; at least one acquiring institution is connected to the backend server signal to receive the transaction data transmitted by the backend server; The transfer center is connected to the acquirer signal to receive the transaction information sent by the acquirer; and at least one card issuer, The right transfer center signal connection, receiving the transaction data sent by the authorized transfer center, for verifying the financial card card information, and providing the service corresponding to the transfer mode or the balance inquiry mode, and then through the authorized transfer center The acquirer and the backend server return a transaction detail notification to the digital wallet. The system for performing a financial card transaction by using a mobile device according to claim 1, wherein the transfer mode of the digital wallet is input into an account number and a transfer amount in the digital wallet, through the acquirer, The authorized transfer center transmits to the card issuing institution to transfer the transferred amount to the transferred account from a financial account corresponding to the financial card number. The system for processing a financial card by using a mobile device according to claim 1, wherein the balance inquiry mode of the digital wallet is provided by the card issuing institution to query a deposit balance of one of the financial accounts corresponding to the financial card number. And return the balance of the deposit to the digital wallet service. The system for claiming a financial card transaction by using a mobile device, wherein the transfer account number and the financial card are different card issuers, the financial card number, the transferred account number, and the transfer amount are transmitted through the authorization The transfer center transfers to another card issuing bank to which the transfer account belongs. The system for claiming a financial card transaction by using the mobile device, wherein the digital wallet transfer mode further includes a list of commonly used accounts, and lists a common account set by the user. The system of claim 1, wherein the digital wallet transfer mode further includes a bank list listing the names and codes of all financial institutions. The system for claiming a financial card transaction by using the mobile device, wherein the backend server further provides a verification code to the digital wallet, and the correct verification code is input in the digital wallet to transfer the data. Job or balance inquiry job. A system for conducting a financial card transaction using a mobile device as claimed in claim 7, wherein the verification code is a dynamic verification code. The system of claim 1, wherein the mobile device is a smart phone or a tablet.