TWM587315U - Electronic payment service system and credit card service system - Google Patents

Abstract

An electronic payment service system includes a first server, a second server, and a third server. After receiving the credit card application request from a user, the first server generates and transmits a pair of application data corresponding to the credit card application request to the second server. After the second server receives the application data and determines that the application data meets an application approval condition, it generates a piece of credit card information corresponding to the application data and including a credit card number, and the second server also applies the The credit card number is transmitted to the third server. The third server executes a binding process according to at least the credit card number to establish a binding relationship between the credit card number and an electronic wallet account.

Description

Electronic payment service system and credit card service system

The present invention relates to an electronic payment service system, and particularly to an electronic payment service system related to financial services. The present invention also relates to a credit card service system included in the electronic payment service system.

After applying for a credit card from a banking institution, the user must wait for the approval of the banking institution and complete the card opening after receiving the physical credit card before they can start using the credit card for consumption. However, even if the banking institution has passed the verification, it will take some time for the physical credit card to reach the user. As a result, the user cannot immediately open the card and enjoy the credit card service when the verification is passed. Therefore, the existing technology still remains to be seen. Room for improvement.

Therefore, one of the objects of the present invention is to provide an electronic payment service system which can improve the inconvenience of the prior art.

The new electronic payment service system includes a first servo terminal, a second servo terminal for electrically connecting the first servo terminal, and a third servo terminal for electrically connecting the second servo terminal, and the first servo terminal And the second server is included in a credit card service system. After receiving the credit card application request from a user, the first server generates and transmits a pair of application data corresponding to the credit card application request to the second server. After the second server receives the application data and determines that the application data meets an application approval condition, it generates a piece of credit card information corresponding to the application data and including a credit card number, and the second server also applies the The credit card number is transmitted to the third server. The third server executes a binding process according to at least the credit card number to establish a binding relationship between the credit card number and an electronic wallet account.

In some implementation aspects of the new electronic payment service system, when the second server determines that the application data meets the application approval conditions, it first generates and sends an approval notification including an approval serial number to the first server. And, the second server generates the credit card information only when it receives a credit card addition request from the first server and corresponding to the approval notification.

In some embodiments of the new electronic payment service system, the credit card data generated by the second server when receiving the credit card addition request is set to an unopened card state. When the second server end generates the credit card information in the unopened card state, it also generates and sends a card opening notification notice including the approval serial number to the user end. When the second server receives a partial card opening success notification from the first server and related to the credit card information, the credit card information in the unopened state is set to a partial card opening state. The second server sends the credit card number to the third server only after setting the credit card information to the partial card opening state.

In some implementation aspects of the new electronic payment service system, when the first server determines that a partial card issuance success condition related to the credit card information occurs, the partial card issuance notification is generated and transmitted to the second server. The server side, and the partial card issuance success condition of the credit card information includes: the first server side receives a partial card opening request including the approval serial number, and judges that the one-time password verification of the partial card opening request is successful .

In some embodiments of the new electronic payment service system, after setting the credit card information to the partial card opening state, the second server end firstly includes a first part and a second part of the credit card number. Sending to the third server, and after sending the first part and the second part to the third server, when the second server receives a card data request from the third server, Only then send the credit card number to the third server.

In some embodiments of the new electronic payment service system, the first part is the first six digits of the credit card number, and the first part is the last four digits of the credit card number.

In some implementation aspects of the new electronic payment service system, when the third server end receives the first part and the second part from the second server end, it sends a card binding confirmation request to the user end, and , When the third server end receives a card binding confirmation notification from the user end and corresponding to the card binding confirmation request, it sends the card data request to the second server end.

In some implementations of the new electronic payment service system, the credit card information further includes a pair of card number expiration dates corresponding to the credit card number, and the second server also transmits the card number expiration date to The third server.

In some implementation aspects of the new electronic payment service system, after the third server establishes the binding relationship between the credit card number and the electronic wallet account, it also transmits the credit card number to a card issuing organization operating system. Moreover, when the second server and the third server receive a certificate code from the operating system of the card issuing organization and corresponding to the credit card number, the second server and the third server each store the certificate code .

Another object of the present invention is to provide a credit card service system included in the electronic payment service system.

The new credit card service system includes a first server end and a second server end for electrically connecting the first server end. After receiving the credit card application request from a user, the first server generates and transmits a pair of application data corresponding to the credit card application request to the second server. After the second server receives the application data and determines that the application data meets an application approval condition, it generates a piece of credit card information corresponding to the application data and including a credit card number, and the second server also applies the The credit card number is transmitted to a third server for the third server to perform a binding process based on the credit card number to establish a binding relationship between the credit card number and an electronic wallet account.

In some implementations of the new credit card service system, when the second server determines that the application data meets the application approval conditions, it first generates and sends an approval notification including an approval serial number to the first server. In addition, the second server generates the credit card information only when it receives a credit card addition request from the first server corresponding to the approval notification.

In some implementation forms of the new credit card service system, the credit card data generated by the second server when receiving the credit card addition request is set to an unopened card state. When the second server end generates the credit card information in the unopened card state, it also generates and sends a card opening notification notice including the approval serial number to the user end. When the second server receives a partial card opening success notification from the first server and related to the credit card information, the credit card information in the unopened state is set to a partial card opening state. The second server sends the credit card number to the third server only after setting the credit card information to the partial card opening state.

In some implementation aspects of the new credit card service system, when the first server determines that a partial card opening success condition related to the credit card information occurs, it generates and sends the partial card opening success notification to the second server. Moreover, the partial card issuance success condition of the credit card information includes: the first server receives a partial card issuance request including the approval serial number, and determines that a pair of one-time password verifications that should be performed for the partial card issuance is successful.

In some implementations of the new credit card service system, after the second server end sets the credit card information to the partial card opening state, it first transmits a first part and a second part of the credit card number. To the third server, and after transmitting the first part and the second part to the third server, the second server only receives a card data request from the third server, Send the credit card number to the third server.

In some embodiments of the new credit card service system, the first part is the first six digits of the credit card number, and the first part is the last four digits of the credit card number.

In some implementations of the new credit card service system, the credit card information further includes a pair of card number expiration dates corresponding to the credit card number, and the second server also transmits the card number expiration date to the card upon receiving the card information request. Third server.

The effect of the new model is that the electronic payment service system can allow users to use a corresponding credit card number for credit card consumption through an electronic wallet account before receiving a physical credit card, and indeed improves the inconvenience of the prior art.

Before the new model is described in detail, it should be noted that the "electrical connection" described in this patent specification refers to a wired electrical connection between a plurality of electronic devices / devices / components connected through conductive materials, and through wireless communication Technology A radio connection for wireless signal transmission. In addition, the "electrical connection" described in this patent specification also refers to the "direct electrical connection" formed by direct connection between two electronic devices / devices / components, and also through the two electronic devices / devices / components. "Indirect electrical connection" formed by the connection of other electronic equipment / devices / components.

Referring to FIG. 1, an embodiment of the new electronic payment service system 1 is suitable for being electrically connected to multiple users 2 (only one of which is shown in FIG. 1) and a card issuing organization operating system 3. Each user 2 may For example, it is a smart phone or a tablet held by a user, and the card issuing organization operating system 3 is, for example, a credit card issuing organization. In order to facilitate understanding, in the following description, this embodiment is described by using only the use end 2 shown in FIG. 1.

The electronic payment service system 1 includes a first servo terminal 11, a second servo terminal 12 for electrically connecting the first servo terminal 11, and a third servo terminal 13 for electrically connecting the second servo terminal 12. . In this embodiment, the first server end 11, the second server end 12, and the third server end 13 are implemented as, for example, an Internet bank server end 11, a credit card server end 12, and an electronic wallet server end. 13, and the internet banking server 11 and the credit card server 12 are jointly included in a credit card service system 10, for example. The credit card service system 10 is, for example, owned by a banking institution, and the electronic wallet server 13 is, for example, owned by an electronic payment tool provider. However, in other embodiments, the electronic wallet server 13 may also belong to the banking institution together with the credit card service system 10, and is not limited to this embodiment.

It is added that each of the internet banking server 11, the credit card server 12, and the electronic wallet server 13 can be implemented as a single server, or can be implemented as multiple electrical connections to each other. It should be understood that the specific implementation of each of the online bank server end 11, the credit card server end 12, and the electronic wallet server end 13 can be freely adjusted based on the requirements of cost and computing performance. Therefore, this patent specification does not specifically limit its practice.

Referring to FIG. 1 and FIG. 2 (composed of FIG. 2A and FIG. 2B) at the same time, the following exemplarily details how the electronic payment service system 1 of this embodiment implements a credit card application and electronic wallet binding procedure.

First, in step S1, when the online bank server 11 receives a credit card application request from the user 2 and contains an identification data, the online bank server 11 provides a data input form to the user. End 2.

Specifically, the credit card application request is generated, for example, by the user 2 by running an electronic wallet application and according to a user operation (for example, clicking a credit card application link in the electronic wallet application), and the credit card The identification data included in the bid request is, for example, implemented as a universally unique identifier (Universally Unique Identifier, UUID for short), and the identification data indicates, for example, an international mobile corresponding to the user terminal Device identification code (also known as IMEI code), however, in other embodiments, the identification data may also indicate, for example, a SIM card serial number corresponding to the user terminal 2 or a device that is bound to the user terminal The account identification code of the electronic wallet account of 2 is not limited to this embodiment. On the other hand, in this embodiment, the data entry form is, for example, a credit card application form, and the online bank server 11 provides the data entry form as a web page to the user end 2 for display, but does not This is the limit.

After the online bank server 11 provides the data input form to the user 2, it proceeds to step S2.

In step S2, when the online bank server 11 receives an input data from the user 2 and determines that the content of the input data is complete and the format is correct, the online bank server 11 is based on the input The data generates a pair of application data in response to the credit card application request, and transmits the application data to the credit card server 12. Specifically, the input data is, for example, generated by the user terminal 2 according to a user's editing operation on the data input form, and the application data includes, for example, the user ’s name, birthday, and address in this embodiment. And personal information, but not limited to this. Next, step S3 is performed.

In step S3, when the credit card server 12 receives the application data and determines that the application data meets an application approval condition, the credit card server 12 generates an approval notice including an approval serial number, and sends the approval notice Send to the Internet Banking Server 11. In this embodiment, if a piece of customer data that matches the personal information of the application information already exists in the credit card server 12, it means that the user holding the user 2 is an existing customer belonging to the banking institution (for example, Have applied for a financial account or other credit card at the banking institution), in this case, the credit card server 12 judges whether the application data meets the application approval conditions, for example, based on the user's recent credit status and data changes. . On the other hand, if there is no customer data in the credit card server 12 that matches the personal information of the application data, it means that the user holding the user 2 is not an existing customer of the banking institution. In this case, Next, when the credit card server 12 receives a manual review result generated by a manual review process, for example, the credit card server 12 determines whether the application data meets the application approval conditions based on the manual review result. Since the judgment method of the bid approval conditions is not the technical focus of this patent specification, the details are not detailed here, and the explanation when the bid information does not meet the bid approval conditions is omitted.

After the credit card server 12 sends the approval notification to the online bank server 11, step S4 is performed.

In step S4, when the online bank server 11 receives the approval notice from the credit card server 12, temporarily stores the approval serial number included in the approval notice, and sends a pair of credit cards to which the approval notice should be added. The request is made to the credit card server 12, and then step S5 is performed.

In step S5, when the credit card server 12 receives the credit card addition request from the online bank server 11, it generates and stores a credit card information corresponding to the application data according to the credit card addition request, and the credit card The data includes, for example, at least one credit card number, the expiration date of a pair of credit card numbers, and the credit card status parameters of a pair of credit card numbers. In particular, in this step, when the credit card server 12 generates the credit card data, it also sets the parameter value of the credit card status parameter to a first value, and thereby sets the credit card data to a The card is not opened, and in this embodiment, for example, the credit card number representing the credit card information is not allowed to be used for any consumption. Then, step S6 is performed.

In step S6, after generating and storing the credit card information, the credit card server 12 immediately generates a card opening notification including the approval serial number and a card opening website address, and transmits the card opening notification to the user terminal 2. To remind users to open the card online. More specifically, the credit card server 12 in this implementation is, for example, transmitting the card opening reminder notification to the user 2 in the form of a text message, and the card opening reminder notification may indicate, for example, "Hello dear customer , Your credit card has been successfully verified, the approval serial number is 123456, the card limit is OOOO yuan, and the payment deadline is X days of each month. Please go to the bank's website to complete the card opening and binding operations. The card opening URL is as follows ... (omitted ) ", And the card opening URL is, for example, the URL of the card opening webpage stored by the online bank server 11 but is not limited thereto. Next, step S7 is performed.

In step S7, when the online bank server 11 receives a partial card opening request containing the approval serial number and determines that the pair of one-time password verifications that should be performed for the partial card opening request is successful, the online bank server 11 It is determined that a partial card opening success condition related to the credit card information occurs. At this time, the online bank server 11 generates and sends a partial card success notification indicating the credit card information to the credit card server 12.

In this embodiment, the partial card opening success notification may include, for example, the approval serial number, thereby indicating the credit card information. In addition, the partial card opening request may be, for example, from the user terminal 2, but may also be from another electronic device other than the user terminal 2. Specifically, after receiving the card opening notification, the user can choose to use the user terminal 2 or other electronic devices (such as a desktop computer) to perform online card opening operations, so the partial card opening request is not necessarily It is from the user end 2.

In particular, because the online bank server 11 temporarily stored the approval number in the aforementioned step S4, the user only needs to enter the approval number when performing online card opening operation, so that the network can be enabled. The bank server 11 recognizes which piece of credit card information the partial card opening request corresponds to, that is, the user does not need to enter a credit card number when performing an online card opening operation.

On the other hand, the one-time password verification process includes, for example, when the online bank server 11 receives the partial card opening request, it returns a password input request to the electronic device (may For the user terminal 2 itself or other electronic device), and a password notification including a one-time password (One Time Password) is sent to the user terminal 2 by text message, and then, when the online bank server 11 When the electronic device that issued the partial card opening request receives a password to be verified that matches the one-time password, it determines that the one-time password verification is successful.

After the online bank server 11 sends the partial card opening success notification to the credit card server 12, step S8 is performed.

In step S8, when the credit card server 12 receives the partial card opening success notification from the online bank server 11, the credit card server 12 sets the parameter value of the credit card status parameter of the credit card data to A second value different from the first value is used to set the credit card data to a partially opened state. Moreover, in this embodiment, the partial card opening state is, for example, that a credit card number representing the credit card information is only allowed to be used for consumption through the electronic wallet application, but is not limited thereto. Next, step S9 is performed.

In step S9, the credit card server 12 transmits a first part and a second part of the credit card number to the electronic wallet server 13. More specifically, in this embodiment, the first part is, for example, the first six digits of the credit card number, and is, for example, a bank identification code used by the banking institution, and the second part is, for example, the last part of the credit card number. A four-digit code, for example, for the electronic wallet server 13 to use it as a credit card identification number, in other words, the credit card server 12 transmits only a part of the credit card number to the electronic Wallet server 13. Next, step S10 is performed.

In step S10, when the electronic wallet server 13 receives the first part and the second part from the credit card server 12, the electronic wallet server 13 generates and transmits a first part according to the first part and the second part. The card binding confirmation request is output to the user terminal 2 to prompt the user to perform the binding operation between the credit card and the electronic wallet. In this embodiment, the card binding confirmation request may be implemented, for example, as a push notification output on the user terminal 2 through the electronic wallet application, but is not limited thereto. Next, step S11 is performed.

In step S11, when the electronic wallet server 13 receives a card binding confirmation notification from the user 2 and responds to the card confirmation request, the electronic wallet server 13 generates and transmits an instruction indicating the credit card information. The card information is requested to the credit card server 12. In this embodiment, the card information request may include, for example, at least one of the first part and the second part of the credit card number, and thereby indicates the credit card information, but is not limited thereto. Then, step S12 is performed.

In step S12, when the credit card server 12 receives the card data request from the electronic wallet server 13, the credit card server 12 transmits the credit card number and the expiration date of the credit card information to the electronic wallet server.端 13. Next, step S13 is performed.

In step S13, when the electronic wallet server 13 receives the credit card number and the valid period of the card number from the credit card server 12, the electronic wallet server 13 executes a binding procedure according to the credit card number and the valid period of the card number To establish a binding relationship between the credit card number and an e-wallet account. Specifically, the e-wallet server 13 stores, for example, a plurality of e-wallet account data, and the manner in which the e-wallet server 13 executes the binding process is, for example, adding the credit card number and the expiration date of the card number to the An item in the Wallet account data corresponding to the Wallet account, but not limited to this. Next, step S14 is performed.

In step S14, after the execution of the binding procedure is completed, the electronic wallet server 13 then transmits the credit card number to the card issuing organization operating system 3 for the card issuing organization operating system 3 to generate and return according to the credit card number. A pair of certificate code (also called a token) corresponding to the credit card number is passed, and when the electronic wallet server 13 receives the certificate code from the card issuing organization operating system 3, the certificate code is stored. It is added that the card issuing organization operating system 3 will also transmit the certificate code to the credit card server 12, and when the credit card server 12 receives the certificate code, the certificate code will also be stored. With the credit card server 12 and the electronic wallet server 13 storing the voucher code separately, when the user wants to checkout through the electronic wallet account, he can choose to use the credit card number bound to the electronic wallet account Swipe online.

It is worth mentioning that with the above-mentioned credit card application and e-wallet binding procedures, even if the user has not received a physical credit card when receiving the card opening notification (see step S6), he can still follow the card opening prompt The approval serial number in the notification completes the online card opening operation, and further completes the binding operation between the credit card and the electronic wallet when receiving the card binding confirmation request. In this way, even if the physical credit card has not been received, the user can still When the using terminal 2 logs in to the electronic wallet server 13 with the electronic wallet account, the credit card number is used for credit card consumption.

It is added that after receiving the physical credit card corresponding to the credit card information, the user still needs to perform another physical card opening operation, so that the credit card server 12 sets the parameter value of the credit card status parameter of the credit card information. For a third value different from the second value, the credit card information is set to a complete card opening state, whereby the credit card number can be used in the electronic wallet application under the complete card opening state. And other more channels of consumption.

To sum up, the new electronic payment service system 1 allows users to complete the online card opening operation according to the card opening notification before the physical credit card is received, and then further complete the binding operation between the credit card and the electronic wallet. In this way, even if the user has not received a physical credit card that has been approved for issuance, he can still use the credit card number to make credit card purchases through the electronic wallet account, which indeed improves the inconvenience of the existing technology, so it can be achieved. The purpose of this new model.

However, the above are only examples of the new model. When the scope of implementation of the new model cannot be limited by this, any simple equivalent changes and modifications made in accordance with the scope of the patent application of the new model and the content of the patent specification are still Within the scope of this new patent.

1‧‧‧ electronic payment service system
10‧‧‧Credit card service system
11‧‧‧Internet bank server, first server
12‧‧‧Credit card server, second server
13‧‧‧ E-wallet server, third server
2‧‧‧ end of use
3‧‧‧ Card issuing organization operating system
S1 ~ S14‧‧‧step

Other features and effects of the present invention will be clearly presented in the embodiments with reference to the drawings, among which:
FIG. 1 is a schematic block diagram of an embodiment of the new electronic payment service system in cooperation with a user end and a card issuing organization operation system; and FIG. 2 (composed of FIGS. 2A and 2B) is a flowchart, exemplarily Explain how this embodiment implements a credit card application and e-wallet binding procedure.

Claims (16)

An electronic payment service system includes:
A credit card service system includes a first servo terminal and a second servo terminal for electrically connecting the first servo terminal; and a third servo terminal for electrically connecting the second server terminal;
After receiving the credit card application request from a user, the first server generates and sends a pair of application data corresponding to the credit card application request to the second server;
After the second server receives the application data and determines that the application data meets an application approval condition, it generates a piece of credit card information corresponding to the application data and including a credit card number, and the second server also applies the The credit card number is transmitted to the third server;
The third server executes a binding process according to at least the credit card number to establish a binding relationship between the credit card number and an electronic wallet account. The electronic payment service system according to claim 1, wherein when the second server determines that the application data meets the application approval conditions, it first generates and sends an approval notification including an approval serial number to the first server. And, the second server generates the credit card information only when it receives a credit card addition request from the first server and corresponding to the approval notification. The electronic payment service system according to claim 2, wherein:
The credit card information generated by the second server when receiving the credit card addition request is set to an unopened card state;
When the second server end generates the credit card information in the unopened card state, it also generates and sends a card opening notification notification including the approval serial number to the user end;
When the second server receives a partial card opening success notification from the first server and related to the credit card information, setting the credit card information in the unopened state to a partial card opening state;
The second server sends the credit card number to the third server only after setting the credit card information to the partial card opening state. The electronic payment service system according to claim 3, wherein when the first server determines that a partial card opening success condition related to the credit card information occurs, it generates and sends the partial card opening success notification to the second The server side, and the partial card issuance success condition of the credit card information includes: the first server side receives a partial card opening request including the approval serial number, and judges that the one-time password verification of the partial card opening request is successful . The electronic payment service system according to claim 3, wherein after the second server sets the credit card information to the partial card opening state, it firstly includes a first part and a second part of the credit card number. Sending to the third server, and after sending the first part and the second part to the third server, when the second server receives a card data request from the third server, Only then send the credit card number to the third server. The electronic payment service system according to claim 5, wherein the first part is the first six digits of the credit card number, and the first part is the last four digits of the credit card number. The electronic payment service system according to claim 5, wherein when the third server receives the first part and the second part from the second server, it sends a card binding confirmation request to the user, and , When the third server end receives a card binding confirmation notification from the user end and corresponding to the card binding confirmation request, it sends the card data request to the second server end. The electronic payment service system according to claim 5, wherein the credit card information further includes a card number expiration period corresponding to the credit card number, and the second server also transmits the card number expiration period to The third server. The electronic payment service system according to claim 1, wherein after the third server establishes a binding relationship between the credit card number and the electronic wallet account, the third server further transmits the credit card number to a card issuing organization operating system, Moreover, when the second server and the third server receive a certificate code from the operating system of the card issuing organization and corresponding to the credit card number, the second server and the third server each store the certificate code . A credit card service system including:
A first servo end; and a second servo end for electrically connecting the first servo end;
After receiving the credit card application request from a user, the first server generates and sends a pair of application data corresponding to the credit card application request to the second server;
After the second server receives the application data and determines that the application data meets an application approval condition, it generates a piece of credit card information corresponding to the application data and including a credit card number, and the second server also applies the The credit card number is transmitted to a third server for the third server to perform a binding process based on the credit card number to establish a binding relationship between the credit card number and an electronic wallet account. The credit card service system according to claim 10, wherein when the second server determines that the application data meets the application approval conditions, it first generates and sends an approval notification including an approval serial number to the first server, In addition, the second server generates the credit card information only when it receives a credit card addition request from the first server corresponding to the approval notification. The credit card service system according to claim 11, wherein:
The credit card information generated by the second server when receiving the credit card addition request is set to an unopened card state;
When the second server end generates the credit card information in the unopened card state, it also generates and sends a card opening notification notification including the approval serial number to the user end;
When the second server receives a partial card opening success notification from the first server and related to the credit card information, setting the credit card information in the unopened state to a partial card opening state;
The second server sends the credit card number to the third server only after setting the credit card information to the partial card opening state. The credit card service system according to claim 12, wherein when the first server determines that a partial card opening success condition related to the credit card information occurs, it generates and sends the partial card opening success notification to the second server Moreover, the partial card issuance success condition of the credit card information includes: the first server receives a partial card issuance request including the approval serial number, and determines that a pair of one-time password verifications that should be performed for the partial card issuance is successful. The credit card service system according to claim 12, wherein after the second server sets the credit card information to the partial card opening state, it first transmits a first part and a second part of the credit card number. To the third server, and after transmitting the first part and the second part to the third server, the second server only receives a card data request from the third server, Send the credit card number to the third server. The credit card service system according to claim 14, wherein the first part is the first six digits of the credit card number, and the first part is the last four digits of the credit card number. The credit card service system according to claim 14, wherein the credit card information further includes a valid period of the card number corresponding to the credit card number, and the second server further transmits the valid period of the card number to the card upon receiving the request for the card information Third server.