TWM572009U - System for cross-border payment using the chip financial card on the Internet - Google Patents

Abstract

The present invention provides a system for using a chip financial card to cross-border payment on the Internet. When a user conducts a transaction on an overseas transaction website server, the user first inserts a card reader into a card reader device electrically connected to a local computer. The chip financial card, the overseas transaction website server sends a set of transaction information; then the user inputs the password of the chip financial card, the chip financial card compares the password with a memory password, and uses the transaction information to generate a set of first verification information; The transaction website server and the local computer respectively transmit the transaction information and the first verification information to an inter-platform platform server, and then the inter-bank platform server transmits the transaction information to a card issuing bank server; the card issuing bank server receives the transaction information and the first After verifying the information, the transaction information is used to calculate a second verification information and the first verification information is compared and verified to confirm that the transaction is legal, and then the authorization is made from the corresponding account of the chip financial card to the overseas transaction website server.

Description

System for cross-border payment using the chip financial card on the Internet

This creation is about a gold flow system, especially a system that uses a chip financial card to make cross-border payments over the Internet.

With the prevalence of online transactions, cross-border transactions are becoming more and more common. Overseas transactions (such as the purchase of foreign goods) are first purchased by others, imported by domestic agents, or purchased by consumers themselves. Now consumers It can be purchased online at a foreign website and then shipped back to China. Even the opening of financial transactions abroad is becoming more and more common.

In the past, when using the Internet to conduct online online transactions on cross-border (national) overseas websites, as shown in Figure 1, the financial card or credit card information will be entered into the local computer 10, and the card information is from overseas. After being received by the website server 12, it is sent out together with the transaction information, and after being received by the acquiring institution 14 in cooperation with the overseas website server 12, it is transferred to the issuing bank 16 for transaction confirmation. If the card information is stolen, it can be exchanged by others on the Internet. Therefore, the risk of cross-border data transmission is high, and the overseas website server 12 of the transaction will retain sensitive information, but if it is leaked It is also a significant risk.

Therefore, this creation proposes a system for using the chip financial card to cross-border payment on the Internet to 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 using the chip financial card to cross-border payment on the Internet. It does not need to transmit the card data to the overseas transaction website server, but directly to the server of the overseas transaction website. The inter-platform platform server avoids the risk of data being stolen by more than one data transmission.

Another purpose of this creation is to provide a system for cross-border payment using a chip financial card on the Internet. The correct transaction verification information generated by the chip financial card will only be generated when the correct card password is entered and the legal card is used. It is not possible to use only the card number or the card expiration date to conduct transactions, which can effectively prevent theft.

Another object of the present invention is to provide a system for using a wafer financial card for cross-border payment on the Internet, which inserts a chip financial card and inputs a password on a local computer reading device, and the chip financial card further utilizes transaction information. The calculation generates verification information and transmits it to the issuing bank for the issuing bank to confirm the transaction information and verify the information is correct, so as to prevent the information from being tampered with during the transmission.

To achieve the above objective, the present invention provides a system for using a wafer financial card to cross-border payment on the Internet, comprising: an overseas transaction website server, when a user conducts a transaction thereon, the overseas transaction website server sends out A set of transaction information; a local computer signal is connected to the overseas transaction website server to receive the transaction information, and the card reading device is electrically connected to the local computer, and the user inserts a chip financial card into the card reading device and inputs the chip financial One of the card passwords, the chip financial card compares the password with one of the memory passwords stored in the chip financial card, and uses the transaction information to generate a set of first verification information; a cross-platform server server signal is connected to the local computer and The overseas trading website server receives the transaction information sent by the overseas trading website server and the first verification information sent by the local computer; and a card issuing bank server, the signal connects to the inter-platform platform server, receives the transaction information and the first a verification information, using the transaction information to calculate a second verification information and entering the first verification information Comparison verification to confirm that the transaction is legitimate, sublicense, grant a wafer from one financial account card to the corresponding foreign trading site server.

According to an embodiment of the present creation, the transaction information includes a transaction code, a transaction date, a transaction time, an account number, a terminal device code, a terminal device check code, and a transaction amount.

According to an embodiment of the present creation, the verification information includes a transaction serial number and a transaction verification code.

According to the embodiment of the present invention, the chip financial card is combined with the transaction information based on the card data such as the bank code and the account number to calculate the transaction verification code. This transaction number is automatically incremented by 1 for each transaction.

In the end, the local computer sends the card information of the chip financial card to the inter-platform platform server, and then transmits it to the issuing bank server through the inter-platform platform server.

According to an embodiment of the present invention, the password is input on the card reading device; or the password is input on a host electrically connected to the card reading device, and transmitted to the chip financial card through the card reading device for comparison.

The present invention provides a system for using a chip financial card to cross-border payment over the Internet, as shown in FIG. 2, which is a block diagram of a system for creating a cross-border payment using a chip financial card on the Internet. The system includes a The local computer 20, a card reading device 202, an overseas transaction website server 22, a cross-platform platform server 24, and a card issuing bank server 26, when a user conducts a transaction on the overseas transaction website server 22, The cross-border network transaction is performed by the chip financial card issued by the domestic card-issuing bank, and the overseas transaction website server 22 sends a set of transaction information, including the transaction code, transaction date, transaction time, account number, end-end device code, and terminal device. Checking the code and transaction amount, etc.; the local computer 20 signal is connected to the overseas transaction website server 22 to receive the transaction information, and the local computer 20 is more electrically connected to the card reading device 202. When the user inserts a chip into the card reading device 202, After the financial card is entered into one of the chip financial cards, the chip financial card will enter the password and one of the memories originally stored in the chip financial card. The password is compared to determine whether the password entered by the user is correct. If correct, the transaction information sent by the overseas transaction website server 22 is used to calculate and generate a set of first verification information; the inter-platform platform server 24 signals are connected to the local computer. 20 and the overseas transaction website server 22, to receive the transaction information sent by the overseas transaction website server 22, and the first verification information sent by the local computer 20 and the card reading device 202; the inter-platform platform server 24 is one of the territory The financial integration platform simultaneously connects the plurality of issuing bank servers in the territory, and the inter-platform platform server 24 receives the transaction information and the first verification information, and then transmits the signal to the issuing bank server 26, and the issuing bank server 26 receives the transaction. After the information and the first verification information, the second verification information is calculated by using the transaction information, and the second verification information is compared with the received first verification information to confirm that the transaction is legal, and then the wafer finance is authorized. One of the cards corresponds to the account in the account to the overseas transaction website server 22.

In one embodiment of the present invention, the card reading device 202 itself has a password for the keyboard to be input into the wafer financial card, so the password is directly input on the card reading device 202. Or, the card reading device 202 does not have a keyboard, so the password is input on a host (not shown) electrically connected to the card reading device 202, and the password is transmitted to the chip financial card through the card reading device 202 to The memory password is compared.

In this creation, the verification information includes a transaction serial number and a transaction verification code. The transaction serial number is automatically added to each transaction, and the transaction verification code is based on the bank code, account number and other card data, combined with the transaction code, transaction date, Several transaction information of transaction time, account number, end device code, end device check code and transaction amount are calculated by using the cryptographic encryption algorithm in the key.

Figure 3 is a flow chart of the method of using the system of the present creation. Please refer to FIG. 2 and FIG. 3 simultaneously. When the user browses an overseas transaction website on the local computer 20 and intends to purchase the goods of the overseas transaction website, the user first reads in step S10. The card device 202 inserts a chip financial card for payment settlement, and performs a transaction on an overseas transaction website server 22 to send a payment request to the overseas transaction website server 22; in step S12, the overseas transaction website servo The device 22 sends a set of transaction information to the local computer 20; then, in step S14, the user inputs a password of the chip financial card, and the local computer 20 receives the transaction information, and transmits the transaction information to the wafer financial card together with the password through the card reading device; step S16 In the middle, the chip financial card compares the password with the memory password originally stored in the chip financial card. If the comparison result is different, the user is required to re-enter the password. Otherwise, if the comparison result is consistent, the chip finance The card uses the transaction information to calculate and generate a set of first verification information; in step S18, the overseas transaction website server 22 transmits the transaction information to a cross-line. The platform server 24, and the local computer 20 also transmits the first verification information to the inter-platform platform server 24; in step S20, after the inter-platform platform server 24 receives the transaction information and the first verification information, the transaction information and The first verification information is uniformly transmitted to a card issuing bank server 26, that is, the issuing bank of the aforementioned chip financial card; in step S22, after the issuing bank server 26 receives the transaction information and the first verification information, the transaction is utilized by the issuing bank server 26 After the transaction information calculates a second verification information, it is compared with the first verification information, and if the two match, the transaction is legal, and then the inter-platform platform server 24 is responded to, and one of the wafer financial cards is authorized. The corresponding account is allocated to the overseas transaction website server 22, and the authorized transaction information is provided to the local computer 20 on the other hand, so that the user knows that the issuing bank has allocated funds to the overseas transaction website server 22, as described in step S24. In addition, the overseas transaction website server 22 also informs the user of the transaction result through the local computer 20; otherwise, if the second verification information is A verification information does not match the information on behalf of trade had been tampered with during transmission, the transaction fails.

In the above step S18, the local computer 20 sends the first verification information to the inter-platform platform server 24, and sends the card information of the chip financial card to the inter-bank server 24, including the bank code, card number, etc., card data. After being transmitted to the third-party platform server, the inter-platform platform server 24 finds the issuing bank according to the bank code, and transmits the transaction information, the verification information and the card data to the issuing bank server 26, and the issuing bank server 26 can find the corresponding according to the card number. account.

A specific embodiment is described. Assume that the memory password of the chip financial card is 1234. When the user inserts the chip financial card and purchases on the overseas A website, the website A will record the transaction code, transaction date, transaction time, account number, and end of the transaction. The transaction information such as the device code, the terminal device check code and the transaction amount is transmitted to the user's client, and the user inputs the password of the chip financial card, and the wafer financial card determines whether it is the same as the memory password 1234. If the same, the transaction information is utilized. An encryption algorithm generates a transaction verification code, and the transaction serial number is automatically incremented by one, and the transaction verification code and the transaction serial number are the first verification information. The website transmits the transaction information to the inter-bank server in the territory. The local computer also transmits the card information and the first verification information to the inter-platform platform server. The inter-platform platform server transmits the transaction information, card information and the first verification information to The bank card server for the chip financial card. After the card issuing bank server receives the transaction information, it will first take out the transaction information, and use the same encryption algorithm to generate another transaction verification code to determine whether the transaction verification code in the first verification information is the same. If they are the same, the transaction is legal. Then, based on the card information, find out the corresponding account for authorization, grant and other follow-up actions. When the transaction is completed, the user will receive the results of the issuance of the bank-issuing server authorization funded by the inter-banking server and the transaction result of the overseas trading website server.

Therefore, the system for using the chip financial card to cross-border payment on the Internet does not need to transmit the card data and verification information to the overseas transaction website server, but directly to the inter-bank platform that cooperates with the overseas transaction website server. The server can avoid the risk of data being stolen due to multiple data transmissions, and it will not leave the card data in the overseas transaction website server, further avoiding the retention of relevant sensitive information outside the country. The risk of being leaked or stolen. In addition, the verification information of the chip financial card is generated in the chip financial card, which ensures that the cross-border network transmission is not falsified and the transaction security is improved.

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‧‧‧Local computer

12‧‧‧Overseas web server

14‧‧ ‧ acquiring institution

16‧‧‧ Issuing Bank

20‧‧‧Local computer

202‧‧‧ card reader

22‧‧‧Overseas Trading Website Server

24‧‧‧Inter-platform platform server

26‧‧‧ Issuing Bank Server

Figure 1 is a schematic diagram of cross-border transactions in the prior art. Figure 2 is a block diagram of a system for creating cross-border payments using a chip financial card over the Internet. Figure 3 is a flow chart of the method of using the system of the present invention.

Claims (8)

A system for using a chip financial card to cross-border payment on the Internet, comprising: an overseas transaction website server, wherein when a user conducts a transaction thereon, the overseas transaction website server sends a set of transaction information; a computer, the signal is connected to the overseas transaction website server to receive the transaction information, and the card reading device is electrically connected to the local computer, the user inserts a wafer financial card into the card reading device, and inputs the chip financial card. a password, the chip financial card compares the password with one of the memory passwords stored in the chip financial card, and uses the transaction information to generate a set of first verification information; an inter-platform platform server, the signal is connected to the local end The computer and the overseas transaction website server receive the transaction information sent by the overseas transaction website server and the first verification information sent by the local computer; and a card issuing bank server, and the signal is connected to the inter-platform platform server Receiving the transaction information and the first verification information, and using the transaction information to calculate a second verification information and the first The verification information is compared and verified to confirm that the transaction is legal, and then authorized to allocate funds from the corresponding account of the chip financial card to the overseas transaction website server. The system of claim 1, wherein the transaction information includes a transaction code, a transaction date, a transaction time, an account number, a terminal device code, a terminal device check code, and a transaction amount. The system of claim 1, wherein the verification information comprises a transaction serial number and a transaction verification code. The system of claim 3, wherein the chip financial card is combined with the transaction information according to a bank code, an account number, and the like to calculate the transaction verification code. A system for inter-network payment using a wafer financial card as claimed in claim 3, wherein the transaction number is automatically incremented by one at each transaction. A system for inter-network payment using a wafer financial card as claimed in claim 1, wherein the password is entered on the card reading device. The system of claim 1, wherein the password is input to a host that is electrically connected to the card reading device, and is transmitted to the chip finance through the local computer. The card is compared. The system of claim 4, wherein the local computer transmits the card information of the chip financial card to the inter-platform platform server, and the inter-platform platform server is used. Then send it to the issuing bank server.