TWM557881U - Cross-border transaction device - Google Patents

Abstract

The author of the present invention discloses a cross-border transaction device comprising an overseas transaction website, an overseas server, an intermediary server and a domestic financial server. The offshore trading website conducts transactions with the user device to establish transaction data. The foreign server uses the transaction data to calculate the first code by using the calculation program and the verification parameters. The intermediary server receives the transaction data and the first code, and when the operating program processes the transaction data and the verification parameter to form the first code, triggers the user device to return the transaction verification code, the bank code and the payment account of the corresponding financial card to transmit The payment account, the transaction verification code and the transaction data are given to the domestic financial server corresponding to the bank code, and when it is judged that the transaction verification code is correct, the payment is deducted from the payment account to reduce the development cost of the cross-border payment.

Description

Cross-border trading device

This creation is about a transaction device, especially a cross-border transaction device.

The development of the retail industry has entered the third wave of revolutionary "Mobileization" from "computerization" and "networking". The mobile industry is a brand that connects its own entities, websites and user devices, allowing all online and offline resources to be fully integrated and integrated. In the future, the retail industry will no longer have virtual replacement entities, or entities will replace virtual disputes. They will only be distinguished by "with or without action." Mobile business is not the future, but now, global cross-border online shopping is a retail industry. Revolution.

The current cross-border electronic payment is linked by a single bank and different cross-border payment platforms. As a result, banks and cross-border payment providers need to customize the cross-border payment service when they are connected in tandem. . For example, as shown in FIG. 1, when a user wants to purchase an overseas online product, the user uses the user computer 10 to connect to the overseas transaction website 12 to make a purchase to establish an online order. The overseas transaction website 12 will first transmit the network order to the overseas server 14, and the overseas server 14 transmits it to the domestic bank server 20, and the domestic bank server 20 performs the transfer operation according to the network order to make the overseas transaction website. 12 corresponding accounts get the payment amount. In addition, the user can also use the user computer 10 to connect to another overseas transaction website 16 to purchase a network product to establish another network order, and also transmit it to the domestic bank server 20 by the overseas server 18, by the domestic bank. The server 20 performs a transfer operation according to the network order, so that the account corresponding to the overseas transaction website 16 receives the payment amount. In this example, the same domestic bank server 20 and the different overseas servers 14, 18 perform transaction data transmission, so the setting of the domestic bank server is complicated, and it is difficult for the bank to rapidly expand the cross-border payment service.

Therefore, in order to solve the above problems, the present invention proposes a cross-border transaction device to solve the problems arising from the conventional knowledge.

The main purpose of this creation is to provide a cross-border transaction device that provides an intermediary server to solve the difference between the connection transaction between the bank and the cross-border payment platform, and integrates with the gold flow through the centralized method to reduce the bank and Import development costs and timelines between payment platforms.

To achieve the above objectives, the present invention provides a cross-border transaction device that includes an offshore transaction website, an offshore server, an intermediary server, and a plurality of domestic financial servers. The offshore trading website is connected to a user device, such as a user's computer. The user device conducts a transaction with the overseas transaction website to establish a transaction data including the transaction amount, the store code, the terminal machine code, the platform order number, the handling fee, the transaction date, and the transaction time. The overseas server connects to the overseas transaction website and receives the transaction data, and the overseas server uses a computing program to process the transaction data and a verification parameter to form a first token. The intermediary server is connected to the external server and the user device, and the intermediary server further includes a storage and a processor. The memory stores an operation program and a verification parameter, the processor is connected to the storage, the external server and the user device, and the processor receives the transaction data and the first code from the overseas server. When the processor uses the computing program to process the transaction data and the verification parameter to form the first code, a payment request is sent to the user device to trigger the user device to transmit a transaction verification code, a bank code and a payment account corresponding to one of the financial cards. Give the processor. For example, the payment request is a payment page, the user device enters a payment account and a bank code to a payment page, and transmits a payment page containing the payment account and the bank code to the processor. All domestic financial servers are connected to the processor, and the processor transmits the payment account, the transaction verification code and the transaction data to the domestic financial server corresponding to the bank code. When the domestic financial server corresponding to the bank code determines that the transaction verification code is correct, the payment account is used to pay the transaction amount to the overseas cooperative bank corresponding to the overseas server through the entrusted bank corresponding to the intermediary server.

The financial card stores a verification program, and the user device is connected to a card reader. The user device receives a financial password, a payment account and a bank code to determine the correctness of the financial password by using the verification program, and the financial card is verified by the financial card using the verification program. When it is correct, the verification program uses the financial password to form a transaction verification code.

When the domestic financial server corresponding to the bank code determines that the transaction verification code is correct, an authorization data is transmitted to the processor, and the authorization data includes the special store code, the end machine code, the platform order number, the transaction result, the response code, and the transaction processing response time. . The processor utilizes an arithmetic program to process the authorization data and the verification parameters to form a second code, and transmits the authorization data and the second code to the overseas server. The processor transmits the authorization material to the user device when the processor transmits the authorization data and the second code to the foreign server. Then, when the overseas server forms the second code by using the authorization data and the verification parameter, the authorization data is stored for query.

In order to give your reviewers a better understanding and understanding of the structural features and the efficacies of the creation, please refer to the preferred embodiment diagrams and detailed explanations to illustrate:

In response to the advent of mobile communications and the digital age of the Internet, electronic payment models have become increasingly innovative. With the rapid development of e-commerce, the “Regulations on the Administration of Electronic Payment Institutions” and related sub-laws, the Financial Management Association has approved financial institutions or electronic payment institutions. With regard to the electronic payment business, this creation is based on the “Management Measures for Cross-border Institutions or Assisting Cross-Border Institutions in Conducting E-Payment Institutions in China” to develop the functional planning of the cross-border electronic payment transaction information transfer system.俾 Providing banking and cross-border electronic payment institutions, payment service network system connection, and information transmission and exchange services.

Please refer to Figure 2 and Figure 3 below. The following describes the cross-border transaction device of the present creation, which includes an overseas transaction website 22, an overseas server 24, an intermediary server 26 and a plurality of domestic financial servers 28, wherein the overseas transaction website 22 and the overseas server 24 belong to A special store, the intermediary server 26 is used to ensure the neutrality of the transaction and the confirmation of the third unit. The overseas and domestic systems belong to two different countries. For example, the overseas trading website 22 and the overseas server 24 are located in In mainland China, the intermediary server 26 and the domestic financial server 28 are located in Taiwan. The offshore transaction website 22 is coupled to a user device 30, such as a user computer. The user device 30 conducts a transaction with the overseas transaction website 22 to establish a transaction data T including the transaction amount, the store code, the terminal machine code, the platform order number, the handling fee, the transaction date, and the transaction time. The overseas server 24 connects to the overseas transaction website 22 and receives the transaction data T. The overseas server 24 processes the transaction data T and a verification parameter by using an operation program to form a first code TK1 (token). The intermediary server 26 is connected to the external server 24 and the user device 30. The intermediary server 26 further includes a storage unit 261 and a processor 262. The storage unit 261 stores the operation program and the verification parameters, and the processor 262 connects the storage unit 261, the overseas server 24 and the user device 30, and receives the transaction data T and the first code TK1 from the overseas server 24. When the processor 262 processes the transaction data T and the verification parameter to form the first code TK1 by using the operation program, a payment request is sent to the user device 30 to trigger the user device 30 to transmit a transaction verification code D corresponding to one of the financial cards. Bank code B and a payment account number N are given to processor 262. For example, the payment request is the payment page P, the user device 30 inputs the payment account N and the bank code B to the payment page, and transmits the payment page N carrying the payment account N and the bank code B to the processor 262. In addition, since the intermediary server 26 has the same operation program and verification parameters as the overseas server 24, the transaction code T and the verification parameters can be processed by the operation program to form the same first code TK1, and the verification mechanism of the intermediary server 26 can be It is ensured that the transaction data T is transmitted from the foreign server 24. All domestic financial servers 28 are connected to the processor 262, and the processor 262 transmits the payment account number N, the transaction verification code D and the transaction data T to the domestic financial server 28 corresponding to the bank code B. When the domestic financial server 28 corresponding to the bank code B determines that the transaction verification code D is correct, it pays the transaction amount from the payment account N through the entrusted bank corresponding to the intermediary server 26 to the overseas cooperative bank corresponding to the overseas server 24. The domestic financial server 28 and the financial card are mutually corresponding. For example, when the financial card issued by the Cathay United Bank is used, the corresponding domestic financial server 28 is the server to which the Cathay World Bank belongs; When using the financial card issued by HSBC, the corresponding domestic financial server 28 is the server of HSBC. This creation uses the intermediary server as a bridge between the bank and the cross-border payment platform to solve the difference between the bank and the cross-border payment platform connection transaction, and through the centralized method and the integration with the gold flow, thereby reducing the bank and payment platform. Import development costs and timelines between.

The financial card stores a verification program, and the user device 30 is connected to a card reader 32. The user device 30 receives a financial password F, a payment account number N and a bank code B to determine the correctness of the financial password F by using the verification program. When the card verification program determines that the financial password F is correct, the verification program forms the transaction verification code D using the financial password F.

When the domestic financial machine 28 corresponding to the bank code B determines that the transaction verification code D is correct, an authorization data A is transmitted to the processor 262, and the authorization data A includes the special store code, the end machine code, the platform order number, the transaction result, and the response. Code and transaction processing response time. The processor 262 processes the authorization data A and the verification parameters by using an operation program to form a second code TK2, and transmits the authorization data A and the second code TK2 to the overseas server 24. When the processor 262 transmits the authorization material A and the second code TK2 to the foreign server 24, the processor 262 transmits the authorization material A to the user device 30. Next, when the overseas server 24 forms the second code TK2 using the authorization data A and the verification parameters, the authorization data A is stored for inquiry. Since the overseas server 24 has the same operation program and verification parameters as the intermediary server 26, the processing program can process the authorization data A and the verification parameter to form the same second code TK2, and the verification mechanism of the overseas server 24 can ensure the same. The authorization material A is transmitted from the intermediary server 26.

The following describes the operation process of the cross-border trading device of this creation. Please refer to Figure 2 and Figure 3 at the same time. First, as shown in step S10, the user connects to the overseas transaction website 22 by using the user device 30, and conducts a transaction with the overseas transaction website 22 to establish the transaction data T and send it. The transaction data T includes the transaction amount, the store code, the end machine code, the platform order number, the handling fee, the transaction date and the transaction time. Next, as shown in step S12, the overseas server 24 receives the transaction data T, and the overseas server 24 processes the transaction data T and the verification parameters by using the calculation program to form the first code TK1, and sends the first code TK1 and the transaction data T. Then, as shown in step S14, the processor 262 receives the transaction data T and the first code TK1 from the overseas server 24, and issues a payment when the transaction code T is processed by the operation program to form the same first code TK1 as the verification parameter. Page P is given to user device 30. Then, as shown in step S16, the user inserts the financial card into the card reader 32, and enters the financial password F, the payment account number N and the bank code B at the user device 30 to determine the financial password F using the verification program in the financial card. The correctness, when the financial password F is correct, the verification program forms the transaction verification code D by using the financial password F, and the user device 30 inputs the payment account N and the bank code B to the payment page P, and will carry the payment account N. The payment page P and the transaction verification code D with the bank code B are passed back to the processor 262. After completing step S16, as shown in step S18, the processor 262 transmits the payment account number N, the transaction verification code D, and the transaction data T to the domestic financial server 28 corresponding to the bank code B. Next, as shown in step S20, when the domestic financial server 28 corresponding to the bank code B determines that the transaction verification code D is correct, the payment amount is sent from the payment account N to the overseas server via the entrusted bank corresponding to the intermediary server 26. The corresponding overseas cooperative bank simultaneously transmits the authorization material A to the processor 262. This authorization data A contains the store code, end machine code, platform order number, transaction result, response code and transaction processing response time. After the step S20 is completed, as shown in step S22, when the processor 262 processes the authorization data A and the verification parameter by using the operation program to form the second code TK2, the processor 262 transmits the authorization data A and the second code TK2 to the overseas server. 24. At the same time, the authorization material A is transmitted to the user device 30. Finally, as shown in step S24, when the foreign server 24 forms the same second code TK2 with the authentication parameter using the authorization data A, the authorization data A is stored for inquiry.

In summary, the creation provides an intermediary server to resolve the difference between the domestic financial server and the overseas server connection transaction, and through the centralized method and the combination with the gold flow, to reduce the gap between the domestic financial server and the overseas server. Import development costs and timelines.

The above description is only a preferred embodiment of the present invention, and is not intended to limit the scope of the present invention. Therefore, the shapes, structures, features, and spirits described in the scope of the patent application are equally changed and modified. , should be included in the scope of the patent application of this creation.

10‧‧‧User computer

12‧‧‧Overseas Trading Website

14‧‧‧Overseas server

16‧‧‧Overseas Trading Website

18‧‧‧Overseas server

20‧‧‧ Domestic Bank Server

22‧‧‧Overseas Trading Website

24‧‧‧Overseas server

26‧‧‧Intermediate Server

261‧‧‧Storage

262‧‧‧ processor

28‧‧‧ Domestic financial server

30‧‧‧User device

32‧‧‧ card reader

T‧‧‧ transaction information

TK1‧‧‧ first code

D‧‧‧ transaction verification code

B‧‧‧Bank code

N‧‧‧payment account

P‧‧‧ Payment page

F‧‧‧ financial password

A‧‧‧Authorized information

TK2‧‧‧ second code

1 is a block diagram of a prior art cross-border electronic payment device. Figure 2 is a block diagram of the device of the cross-border transaction device of the creation. Figure 3 is a flow chart of the operation of the cross-border trading device of the creation.

Claims (9)

A cross-border transaction device comprising: an overseas transaction website connected to a user device, the user device transacting with the overseas transaction website to establish a transaction data, the transaction data including a transaction amount; an overseas server Connecting to the overseas transaction website and receiving the transaction data, the overseas server uses a computing program to process the transaction data and a verification parameter to form a first token (token); an intermediary server that connects the foreign server with The user device, the mediation server further includes: a storage device storing the operation program and the verification parameter; and a processor connecting the storage device, the foreign server and the user device, and the foreign device The server receives the transaction data and the first code, and when the processor processes the transaction data and the verification parameter to form the first code, the processor sends a payment request to the user device to trigger the user The device transmits a transaction verification code corresponding to a financial card, a bank code and a payment account to the processor; and a plurality of The domestic financial server is connected to the processor, and the processor transmits the payment account, the transaction verification code and the transaction data to the domestic financial server corresponding to the bank code, and the domestic financial server corresponding to the bank code determines When the transaction verification code is correct, the transaction account is paid by the entrusted bank corresponding to the intermediary server to the overseas cooperative bank corresponding to the overseas server. The cross-border transaction device of claim 1, wherein the domestic financial server corresponding to the bank code uses a check program to determine that the transaction verification code is correct. The cross-border transaction device of claim 1, wherein the financial card stores a verification program, the user device is connected to a card reader, and the user device receives a financial password, the payment account number and the bank code to utilize The verification program determines the correctness of the financial password. When the financial card uses the verification program to determine that the financial password is correct, the verification program uses the financial password to form the transaction verification code. The cross-border transaction device of claim 3, wherein the payment request is a payment page, the user device inputs the payment account and the bank code to the payment page, and the payment account and the bank code are included The payment page is delivered to the processor. The cross-border transaction device of claim 3, wherein the user device is a user computer. The cross-border transaction device of claim 3, wherein when the domestic financial server corresponding to the bank code determines that the transaction verification code is correct, transmitting an authorization data to the processor, the processor uses the operation program, Processing the authorization data and the verification parameter to form a second code, and transmitting the authorization data and the second code to the foreign server, when the foreign server uses the authorization data and the verification parameter to form the second code , store the authorization information for inquiry. The cross-border transaction device of claim 6, wherein the authorization data includes a store code, a terminal code, a platform order number, a transaction result, a response code, and a transaction processing response time. The cross-border transaction device of claim 6, wherein the processor transmits the authorization material to the user device when the processor transmits the authorization data and the second code to the foreign server. The cross-border transaction device of claim 1, wherein the transaction data further includes a store code, a terminal code, a platform order number, a commission, a transaction date, and a transaction time.