TWM596934U - Virtual account verification system - Google Patents

Abstract

A virtual account verification system includes a seller device, a buyer device, a transaction system and a server host. The seller device is suitable for entering order information. The buyer device is suitable for entering a transaction information. The transaction system is communicatively connected to the buyer device and receives the transaction information. The servo host is connected to the seller device and the transaction system by communication. The servo host receives the order information and transaction information, converts it into a virtual account code and transaction code, and compares the virtual account code and transaction code. The comparison result is sent to the Trading System. If the comparison result is consistent, the transaction system executes the transaction based on the transaction information. If the comparison result is inconsistent, the transaction system suspends the transaction and generates a warning message and transmits the seller device and the buyer device.

Description

Virtual account verification system

A verification system, especially a virtual account verification system.

In recent years, e-commerce has developed rapidly, making it easier for buyers to pay sellers through various electronic transactions, such as online remittance, credit card, and third-party payment. Among them, online remittance is a commonly used method. However, for sellers with a large number of customers, it is quite difficult to manage payment by a single account, so most of them will apply for a virtual account with the bank unit to manage the payment status through one transaction and one account, and usually banks can also Giving discounts reduces seller costs, so virtual accounts are a commonly used service in e-commerce. However, in practice, virtual accounts are easily used by those who are interested and become tools of fraud. For example, buyer A places an order with seller B and obtains a virtual account provided by seller B. After that, buyer A pretends to sell goods to buyer C, provides seller B with a virtual account to buyer C, and buyer C remits money to In this virtual account, seller B thought that the payment would be shipped to buyer A, resulting in a fraud in which buyer C was deceived and paid for buyer A, but buyer C did not receive any goods. Therefore, how to prevent the above-mentioned fraud cases from the bank side is worth considering by those with ordinary knowledge in the field.

This creation provides a virtual account verification system and method, which can verify the virtual account number when the buyer pays, and instantly confirm whether the virtual account number has been misappropriated. This creation provides a virtual account verification system, including a seller device, a buyer device, a transaction system and a server host. The seller device is suitable for entering order information. The buyer device is suitable for entering a transaction information. The transaction system is communicatively connected to the buyer device and receives the transaction information. The servo host is communicatively connected to the seller device and the transaction system. The servo host includes a first encoding module, a second encoding module and a comparison module. The first coding module is adapted to receive the order information, and convert the order information into a virtual account code according to a sequence number table, and return it to the seller device. The second encoding module is adapted to receive the transaction information and convert the transaction information into a transaction code according to the sequence number table. The comparison module is adapted to compare the virtual account code with the transaction code and generate a comparison result, which is transmitted to the transaction system. Wherein, the transaction system receives the comparison result, and if the comparison result is consistent, the transaction system executes the transaction according to the transaction information. Wherein, the transaction system receives the comparison result, and if the comparison result is inconsistent, the transaction system suspends the transaction and generates a warning message and transmits the seller device and the buyer device. In the above virtual account verification system, the order information and the transaction information include multiple commodity type information, multiple transaction member information, and multiple transaction amount information. In the above virtual account verification system, the serial number table includes a plurality of sequence numbers corresponding to the commodity type information, the transaction member information and the transaction amount. In the above virtual account verification system, the first encoding module is to arrange a plurality of sequences corresponding to the commodity type information, the transaction member information and the transaction amount in the order information to generate the virtual account code. In the above virtual account verification system, the second encoding module is to arrange a plurality of sequences corresponding to the commodity type information, the transaction member information and the transaction amount in the transaction information to generate the transaction code.

This creation provides a virtual account verification system. By encoding order information and transaction information, and comparing the encoding results to confirm whether the transaction content is correct, to achieve the effect of preventing fraud. Please refer to FIG. 1, which depicts a virtual account verification system for this creation. The created virtual account verification system 100 includes a seller device 110, a buyer device 120, a transaction system 130, and a server host 140. The seller device 110 refers to a device used by the seller, which may be a personal computer or a smart phone. The seller device 110 is adapted to input order information, and the order information includes multiple commodity type information, multiple transaction member information, and multiple transaction amount information. Furthermore, when the sale between the seller and the buyer is established, the seller can create an order through the seller device 110 at this time, and input information such as the type of commodity, transaction member, amount, etc. into the seller device 110. The entered order information will be sent to the server host 140, that is, the seller may apply to the server host 140 for a virtual account by sending the order information for the transaction. The buyer device 120 is a device used by a buyer, especially a device used to perform a payment transaction. Depending on the form of the transaction, the buyer device 120 may be a different type of device. For example, it is a smart phone (online bank APP transfer), a personal computer (online ATM transfer) or an automated teller machine (physical ATM transfer). The buyer device 120 is adapted to input a transaction information, the transaction information includes multiple commodity type information, multiple transaction member information and multiple transaction amount information, wherein the transaction information also includes the corresponding virtual account code, that is, payment Object. The content of the transaction information is similar to the content of the order information. In this embodiment, when a buyer performs a payment transaction through the buyer device 120, in addition to knowing the transaction members and transaction amounts that need to be input, it is also necessary to enter the commodity type data. The transaction information is sent to the transaction system 120. The transaction system 130 is a system in which a bank unit executes transactions, such as a system for confirming transfers for transactions. The transaction system 130 is communicatively connected to the buyer device 120 and receives transaction information. After receiving the transaction information, the transaction system 130 forwards the transaction information to the server host 140 for confirmation. The servo host 140 is communicatively connected to the seller device 110 and the transaction system 130, and receives order information and transaction information, respectively. The servo host 140 includes a first encoding module 141, a second encoding module 142, and a comparison module 143. The first encoding module 141 is adapted to receive the order information from the seller device 110, and convert the order information into a virtual account code according to a sequence number table, and send it back to the seller device 110. That is, the seller provides the order information to the server host 140, and the server host 140 generates a virtual account to provide to the seller according to the content of the order, so that the seller can use the virtual account to conduct transactions with the buyer. In this embodiment, the serial number table includes a plurality of series, these series correspond to the commodity type, transaction member and transaction amount, and the first encoding module 141 corresponds to the commodity type, transaction member and transaction amount The number sequence is arranged to generate a virtual account code. For example, the number corresponding to the transaction member is the seller number 502212. The commodity type is food, and the corresponding number series is 33051. The transaction amount is 1,000 yuan, and the corresponding number is 00012. Arrange the above three numbers to get the 16-code virtual account code of 5022123305100012. In one embodiment, the virtual account code also includes a logic code, and the series of corresponding commodity types, transaction members and transaction amounts are all 5 codes. The logic code is the arrangement of the corresponding series, for example, the series corresponding to the transaction member is the seller number 50221. The commodity type is food, and the corresponding number series is 33051. The transaction amount is 1,000 yuan, and the corresponding number is 00012. 5022133051000121 is obtained in a positive arrangement, the 16th 1 is a logic code, and the corresponding arrangement is a positive arrangement. The second encoding module 142 of the servo host 140 is adapted to receive the transaction information from the transaction system 130 and convert the transaction information into a transaction code according to the sequence number table. In other words, the transaction information provided by the buyer is transmitted to the server host 140 via the transaction system 130. The servo host 140 converts the transaction information into a transaction code. The second encoding module 142 converts the transaction information in the same way as the first encoding module 141. It arranges the corresponding sequence and obtains the transaction code according to the commodity type, transaction members and transaction amount in the transaction information. The comparison module 143 is suitable for comparing the virtual account code and the transaction code, and generates a comparison result, and the comparison result is sent to the transaction system 130. In this embodiment, the comparison module 143 compares the virtual account code in the transaction information and the transaction code generated by the second encoding module 142 according to the transaction information. The result of the comparison is that the virtual account code matches or does not match the transaction code. After the transaction system 130 receives the comparison result, if the comparison result is consistent, the transaction system executes the transaction according to the transaction information. If the comparison result is inconsistent, the transaction system generates a warning message and sends it to the seller device 110 and the buyer device 120. In one embodiment, the comparison module 143 can obtain information such as the virtual account code, product type, transaction member, and transaction amount from the transaction information. At this time, the second encoding module 142 obtains the sequence corresponding to the commodity type, the transaction member and the transaction amount, and obtains the logic code from the virtual account code, and further arranges the sequence obtained from the second encoding module 142 according to the logic code to obtain Transaction code. Next, you can compare the virtual account code with the transaction code Because the virtual account code and transaction code are generated through the serial number table. Therefore, the virtual account code and the transaction code match, indicating that the corresponding order information and transaction information are consistent, which further indicates that the virtual account code provided by the seller has not been used for other purposes. On the contrary, the virtual account code does not match the transaction code, which means that the virtual account code may be used for other purposes. Therefore, the seller and the seller device 110 are warned by sending a warning message to the seller device 110 and the buyer device 120. For example, when the seller and the first buyer reach a sale agreement, the seller applies the order information to the server host 140 through the seller device 110 to obtain the virtual account code. The seller provides the virtual account code to the first buyer, and the first buyer makes the transfer payment. The first buyer and the second buyer reach a sale agreement, and the seller’s virtual account code is provided to the second buyer. When the second buyer enters transaction information through the buyer device 120 to make a payment, the first buyer The sales agreement between the home and the second buyer is different from the seller and the first buyer, so the transaction code generated by the transaction information does not match the virtual account code. At this time, the transaction system 130 will send a warning message to the seller device 110 and the buyer device 120 to notify the seller and the second buyer, so that the seller and the second buyer can avoid losses. Please refer to FIG. 2, which illustrates a method for authenticating a virtual account for creation. First, provide an order information (step S10), which is the seller's order information, and the order information includes product type information, transaction member information and transaction amount information. Next, the order information is converted into a virtual account code according to the serial number table (step S20). In this embodiment, the serial number table includes a plurality of sequence numbers corresponding to the commodity type information, transaction member information, and transaction amount information. You can obtain the virtual account code by arranging these numbers. After that, provide a transaction information (step S30), the transaction information will be provided by the buyer. The transaction information includes information such as commodity type information, transaction member information and transaction amount information. Next, the transaction information is converted into a transaction code according to the sequence number table (step S40). In step S40, the method of converting transaction information is equivalent to step S20. After obtaining the virtual account code and the transaction code, after comparing the virtual account code and the transaction code (step S50), in step S50, it is compared whether the virtual account code and the transaction code are consistent. In this embodiment, the virtual account code and the transaction code are both The digital string composed of 14-16 codes, step S50 identifies whether the digital string in the virtual account code and the transaction code match. If the virtual account code does not match the transaction code, a warning message is generated (step S60). The order information provided by the seller and the transaction information of the buyer should have the same content, and the encoded virtual account code and transaction code should also be the same. Therefore, if the virtual account code is different from the transaction code, it means that the seller's virtual account code has been misappropriated, and there is a possibility of fraud. Therefore, through the above virtual account verification system and method, it can be verified whether the virtual account code matches the transaction code. Further verify the virtual account code and transaction code when the buyer pays (provides transaction information), and sends a warning message to warn the buyer and seller to achieve the effect of immediate prevention. This creation is described above with examples, but it is not intended to limit the scope of patent rights claimed in this creation. The scope of patent protection depends on the scope of the attached patent application and its equivalent fields. Anyone with ordinary knowledge in this field who makes changes or retouching without departing from the spirit or scope of this patent belongs to the equivalent change or design completed under the spirit disclosed in this creation, and shall be included in the scope of the following patent application Inside.

100: Virtual account verification system 110: Seller device 120: Buyer device 130: Trading system 140: servo host 141: The first encoding module 142: Second encoding module 143: Comparison module S10~S60: Flow chart of the method

Figure 1 depicts a virtual account verification system for this creation. FIG. 2 illustrates a method for authenticating a virtual account for creation.

100: Virtual account verification system

110: Seller device

120: Buyer device

130: Trading system

140: servo host

141: The first encoding module

142: Second encoding module

143: Comparison module

Claims (5)

A virtual account verification system, including: A seller device, suitable for entering an order information; A buyer device, suitable for entering a transaction information; A transaction system, the communication is connected to the buyer device, and receives the transaction information; and A servo host, which is communicatively connected to the seller device and the transaction system. The servo host includes: A first encoding module, adapted to receive the order information, and convert the order information into a virtual account code according to a sequence number table, and return it to the seller device; A second encoding module adapted to receive the transaction information and convert the transaction information into a transaction code according to the sequence number table; and A comparison module, suitable for comparing the virtual account code with the transaction code, and generating a comparison result, the comparison result is transmitted to the trading system; Wherein, the transaction system receives the comparison result, and if the comparison result is consistent, the transaction system executes the transaction according to the transaction information; Wherein, the transaction system receives the comparison result, and if the comparison result is inconsistent, the transaction system suspends the transaction and generates a warning message and transmits the seller device and the buyer device. The virtual account verification system as described in item 1 of the patent application scope, wherein the order information and the transaction information include multiple commodity type information, multiple transaction member information and multiple transaction amount information. The virtual account verification system as described in item 2 of the patent application scope, wherein the serial number table includes a plurality of sequence numbers corresponding to the commodity type information, the transaction member information and the transaction amount. The virtual account verification system as described in item 3 of the patent application scope, wherein the first encoding module is to arrange a plurality of sequences corresponding to the commodity type information, the transaction member information and the transaction amount in the order information To generate the virtual account code. The virtual account verification system as described in item 3 of the patent application scope, wherein the second encoding module is to arrange a plurality of sequences corresponding to the commodity type information, the transaction member information and the transaction amount in the transaction information To generate the transaction code.

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