TWM649170U - transaction processing system - Google Patents
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Abstract
一種交易處理系統,其用於:在從一營業方電子裝置接收到一包含一手機門號及一交易金額的交易處理請求之後,將一交易代碼以簡訊形式傳送至一對應於該手機門號的消費方行動裝置;當從該營業方電子裝置接收到一包含一待確認碼的交易確認請求時,判斷該待確認碼是否與該交易代碼相符;在判定該待確認碼與該交易代碼相符的情況下,輸出一包含該交易金額的撥款指示,以使一筆對應於該撥款指示的交易款項被自動轉入一營業方收款帳戶。A transaction processing system, which is used to: after receiving a transaction processing request including a mobile phone number and a transaction amount from an electronic device of a business party, send a transaction code in the form of a text message to a mobile phone number corresponding to the mobile phone number. The consumer's mobile device; when receiving a transaction confirmation request containing a code to be confirmed from the business party's electronic device, determine whether the code to be confirmed is consistent with the transaction code; and after determining that the code to be confirmed is consistent with the transaction code In the case of , output an appropriation instruction containing the transaction amount, so that a transaction amount corresponding to the appropriation instruction is automatically transferred to a business party's collection account.
Description
本新型是有關於一種處理系統,特別是指一種利用簡訊處理交易的交易處理系統。The present invention relates to a processing system, in particular to a transaction processing system that uses text messages to process transactions.
隨著手機與網路的普及,消費者至實體商店消費時的支付方式也愈加多元。舉例來說,若利用手機來進行行動支付或電子支付,消費者購物時便無需攜帶任何現金及實體卡片。With the popularity of mobile phones and the Internet, consumers have become more and more diversified in their payment methods when making purchases in physical stores. For example, if a mobile phone is used for mobile payment or electronic payment, consumers do not need to carry any cash or physical cards when shopping.
然而,現有的行動支付及電子支付工具大多需要消費者在手機上預先安裝特定的應用程式,而且,在結帳時,消費者也需要開啟應用程式並通過身分驗證(例如在應用程式中進行生物辨識或輸入密碼)才能進行支付。因此,對於不熟稔智慧型手機操作的族群而言,此類支付方式反而具有較大的操作負擔而缺乏吸引力。有鑑於此,要如何提供一種能利用行動裝置完成結帳且進一步降低消費者操作負擔的新穎交易模式,便成為本案所欲探討之議題。However, most of the existing mobile payment and electronic payment tools require consumers to pre-install specific applications on their mobile phones. Moreover, when checking out, consumers also need to open the application and pass identity verification (such as biometric verification in the application). Identify or enter password) to make payment. Therefore, for people who are not familiar with smartphone operations, this type of payment method is burdensome and unattractive. In view of this, how to provide a novel transaction model that can use mobile devices to complete checkout and further reduce consumers' operational burden has become an issue to be discussed in this case.
為了對現有技術作出改善,本新型之目的,便在於提供一種能供消費者利用行動裝置結帳且進一步降低其操作負擔的交易處理系統。In order to improve the existing technology, the purpose of the present invention is to provide a transaction processing system that allows consumers to check out using mobile devices and further reduces their operational burden.
本新型交易處理系統適用於與一營業方電子裝置及一消費方行動裝置配合。該交易處理系統包含一適用於與該營業方電子裝置及該消費方行動裝置電連接的處理單元,以及一與該處理單元電連接的儲存單元。其中,該處理單元用於:在該交易處理系統受一營業方電子裝置以一營業方識別帳戶登入的情況下,在接收到一來自於該營業方電子裝置且包含一手機門號及一交易金額的交易處理請求之後,將一交易代碼以簡訊形式傳送至一對應於該手機門號的消費方行動裝置;當接收到一來自於該營業方電子裝置且包含一待確認碼的交易確認請求時,判斷該待確認碼是否與該交易代碼相符;在判定該待確認碼與該交易代碼相符之後,產生並輸出一包含該交易金額及一對應於該營業方識別帳戶之指定收款帳號的撥款指示,以使得一筆對應於該撥款指示且符合該交易金額的交易款項被自動轉入一對應於該指定收款帳號的營業方收款帳戶。The new transaction processing system is suitable for cooperating with a business electronic device and a consumer mobile device. The transaction processing system includes a processing unit adapted to be electrically connected to the merchant's electronic device and the consumer's mobile device, and a storage unit electrically connected to the processing unit. Wherein, the processing unit is used to: when the transaction processing system is logged in by a business party's electronic device with a business party identification account, receive a message from the business party's electronic device and including a mobile phone number and a transaction After the transaction processing request for the amount is made, a transaction code is sent in the form of a text message to a consumer mobile device corresponding to the mobile phone number; when a transaction confirmation request is received from the business electronic device and contains a pending confirmation code When determining whether the code to be confirmed is consistent with the transaction code; after determining that the code to be confirmed is consistent with the transaction code, a message containing the transaction amount and a designated collection account corresponding to the business party identification account is generated and output Appropriation instruction, so that a transaction amount corresponding to the appropriation instruction and matching the transaction amount is automatically transferred to a business party's collection account corresponding to the designated collection account.
在本新型交易處理系統的一些實施態樣中,該儲存單元儲存有多個有效門號,並且,該處理單元在接收到該交易處理請求時,是先判斷該等有效門號中是否存在其中一個與該交易處理請求的手機門號相符的匹配有效門號,並且在判斷結果為是之後,才將該交易代碼傳送至該消費方行動裝置。In some implementations of the new transaction processing system, the storage unit stores multiple valid door numbers, and when receiving the transaction processing request, the processing unit first determines whether one of the valid door numbers exists. A matching valid phone number that matches the mobile phone number of the transaction processing request, and only after the judgment result is yes, the transaction code is transmitted to the consumer's mobile device.
在本新型交易處理系統的一些實施態樣中,該儲存單元還儲存有多筆分別對應於該等有效門號的身分認證資料,且該交易處理請求還包含一待驗證身分碼,並且,該處理單元在判定該等有效門號中存在該匹配有效門號時,還判斷該交易處理請求的待驗證身分碼是否相符於該匹配有效門號所對應的該身分認證資料,並且在判斷結果為是時,才將該交易代碼傳送至該消費方行動裝置。In some implementation aspects of the new transaction processing system, the storage unit also stores multiple pieces of identity authentication information corresponding to the valid door numbers, and the transaction processing request also includes an identity code to be verified, and the When the processing unit determines that the matching valid door number exists among the valid door numbers, it also determines whether the identity code to be verified in the transaction processing request matches the identity authentication data corresponding to the matching valid door number, and when the judgment result is Only then will the transaction code be sent to the consumer's mobile device.
在本新型交易處理系統的一些實施態樣中,該處理單元還適用於與一歸屬於一金融機構的金融伺服端電連接,且該處理單元是將該撥款指示傳送至該金融伺服端,以致該金融伺服端根據該撥款指示自動將該交易款項轉入該營業方收款帳戶。In some implementations of the novel transaction processing system, the processing unit is also adapted to be electrically connected to a financial server belonging to a financial institution, and the processing unit transmits the disbursement instruction to the financial server, so that The financial server automatically transfers the transaction amount to the business party's collection account based on the appropriation instruction.
本新型之功效在於:該交易處理系統提供了讓消費者能以「接收簡訊」來進行結帳的簡訊交易服務,而且,所述的簡訊交易服務不但能應用在智慧型手機上,亦能應用在傳統手機上。進一步地,該交易處理系統對於消費者而言,其僅需操作消費方行動裝置開啟簡訊來讀取交易代碼並告知結帳人員,而不需在消費方行動裝置中預先安裝任何特定應用程式,也不需操作消費方行動裝置進行如登入、開啟條碼或掃描條碼等相對繁雜的步驟,因此,相較於現有技術中利用行動裝置來完成的其他支付模式,該交易處理系統確實能夠進一步降低消費者的操作負擔,而使得不熟稔智慧型裝置操作的族群也能利用行動裝置輕鬆實現無現金、無實體卡片的支付作業,故確實能對現有技術作出改善。The function of this new model is that the transaction processing system provides an SMS transaction service that allows consumers to check out by "receiving SMS". Moreover, the SMS transaction service can not only be applied to smart phones, but also on traditional mobile phones. Further, for the consumer, the transaction processing system only needs to operate the consumer's mobile device to open the SMS to read the transaction code and inform the checkout staff, without pre-installing any specific application in the consumer's mobile device. There is no need to operate the consumer's mobile device to perform relatively complicated steps such as logging in, opening a barcode or scanning a barcode. Therefore, compared with other payment modes that use mobile devices in the prior art, this transaction processing system can indeed further reduce consumption. It reduces the user's operational burden and allows people who are not familiar with smart device operations to use mobile devices to easily implement cashless and physical card-less payment operations. Therefore, it can indeed improve the existing technology.
在本新型被詳細描述之前應當注意:在未特別定義的情況下,本專利說明書中所述的「電連接(electrically connected)」是用來描述電腦硬體(例如電子系統、設備、裝置、單元、元件)之間的「耦接(coupled)」關係,且泛指複數電腦硬體之間透過導體/半導體材料彼此實體相連而實現的「有線電連接」,以及利用無線通訊技術(例如但不限於無線網路、藍芽及電磁感應等)而實現無線資料傳輸的「無線電連接」。另一方面,在未特別定義的情況下,本專利說明書中所述的「電連接」也泛指複數電腦硬體之間彼此直接耦接而實現的「直接電連接」,以及複數電腦硬體之間是透過其他電腦硬體間接耦接而實現的「間接電連接」。Before the present invention is described in detail, it should be noted that, unless otherwise defined, the term "electrically connected" described in this patent specification is used to describe computer hardware (such as electronic systems, equipment, devices, units). , components), and generally refers to the "wired electrical connection" between multiple computer hardware that are physically connected to each other through conductor/semiconductor materials, and the use of wireless communication technologies (such as but not Limited to wireless networks, Bluetooth and electromagnetic induction, etc.) to achieve "radio connection" for wireless data transmission. On the other hand, unless otherwise defined, the "electrical connection" described in this patent specification also generally refers to the "direct electrical connection" achieved by direct coupling between multiple computer hardware components, as well as the "direct electrical connection" between multiple computer hardware components. There is an "indirect electrical connection" achieved through indirect coupling of other computer hardware.
在本新型被詳細描述之前應當注意:本專利說明書中所述的「單元(unit)」是代表電腦硬體而非軟體,舉例來說,「處理單元」是用來代表具備資料處理功能的電腦硬體。另一方面,本專利說明書中所述的「單元」可以是指具備特定功能的單一個電腦硬體,也可以是指具備類似功能的一群電腦硬體,舉例來說,「處理單元」可以是指具備資料處理功能的單一個處理器,但也可以是指一群處理器的集合。Before the present invention is described in detail, it should be noted that the "unit" mentioned in this patent specification represents computer hardware rather than software. For example, "processing unit" is used to represent a computer with data processing functions. Hardware. On the other hand, the "unit" mentioned in this patent specification can refer to a single computer hardware with specific functions, or it can refer to a group of computer hardware with similar functions. For example, a "processing unit" can be It refers to a single processor with data processing functions, but it can also refer to a collection of processors.
參閱圖1,本新型提供了一種交易處理系統1的一實施例,該交易處理系統1用於提供一種簡訊交易服務,而能讓消費者以接收簡訊的方式來進行結帳,並且,該交易處理系統1適合與一營業方電子裝置2、一消費方行動裝置3以及一金融伺服端4配合運作。Referring to Figure 1, the present invention provides an embodiment of a transaction processing system 1. The transaction processing system 1 is used to provide a text message transaction service, allowing consumers to check out by receiving text messages, and the transaction The processing system 1 is suitable for operating in cooperation with a business
在本實施例的應用環境中,該營業方電子裝置2是一台結帳用的電腦,其歸屬於一營業機構(例如一家商店),並且被設置在該營業機構的營業場所,以供營業場所中的一位結帳人員20操作。In the application environment of this embodiment, the business
該消費方行動裝置3是一台便攜且能夠接收簡訊的通訊裝置(例如手機或平板電腦),並且歸屬於一位消費者30。補充說明的是,本實施例中所述的「簡訊」包含但不限於短訊息服務簡訊(Short Message Service,簡稱SMS)、增強型訊息服務簡訊(Enhanced Message Service,簡稱EMS),以及多媒體訊息服務簡訊(Multimedia Messaging service,簡稱MMS)。The consumer
該金融伺服端4是一套歸屬於一金融機構(例如銀行)的金融交易系統,其內部儲存有多筆金融帳戶資料,且用於執行基於金融帳戶的轉帳交易程序。The
補充說明的是,在本實施例的實際應用環境中,該交易處理系統1能夠同時與多個營業方電子裝置及多個消費方行動裝置配合運作,但是,為了便於理解,以下僅以圖1所示出的該營業方電子裝置2及該消費方行動裝置3對本實施例進行說明。It should be added that in the actual application environment of this embodiment, the transaction processing system 1 can cooperate with multiple business electronic devices and multiple consumer mobile devices at the same time. However, for ease of understanding, only Figure 1 is used below. The business
在本實施例中,該交易處理系統1是一台伺服設備,該交易處理系統1包含一處理單元11,以及一電連接該處理單元11的儲存單元12,而且,該處理單元11適用於透過網路與該營業方電子裝置2、該消費方行動裝置3及該金融伺服端4電連接。更具體地說,在本實施例中,該處理單元11為一以積體電路實現且具有資料運算及指令收發功能的處理器,該儲存單元12則為一用於儲存數位資料的資料儲存裝置(例如硬碟,或者是其他種類的電腦可讀取記錄媒體)。但是,在類似的實施態樣中,該處理單元11也可以是一包括有處理器的處理電路,而該儲存單元12也可以是多個相同或相異種類之儲存裝置的集合。進一步地,在其他實施例中,該交易處理系統1也可被實施為多台彼此電連接的伺服設備,在此情況下,該處理單元11可被實施為該等伺服設備所分別具有之多個處理器/處理電路的集合,而該儲存單元12則可被實施為該等伺服設備所分別具有之多個儲存裝置的集合。基於上述,該交易處理系統1在電腦硬體方面的實際實施態樣並不以本實施例為限。In this embodiment, the transaction processing system 1 is a server device. The transaction processing system 1 includes a
在本實施例中,該儲存單元12儲存有多個有效門號D1,以及多筆分別對應於該等有效門號D1的身分認證資料D2。其中,每一個有效門號D1是一個被消費者用來註冊簡訊交易服務的手機門號,而每一筆身分認證資料D2例如是註冊簡訊交易服務之消費者的身分證號碼末五碼,然而,在不同的實施態樣中,每一筆身分認證資料D2也可以是對應之消費者的出生年月日、自定的密碼,或者是其他能用於驗證消費者身分的資料,因此,該等身分認證資料D2的實際態樣並不以本實施例為限。In this embodiment, the
假設持有該消費方行動裝置3的該消費者30正位於設有該營業方電子裝置2的營業場所進行結帳,配合參閱圖2,以下示例性地詳細說明本實施例的該交易處理系統1如何實施一交易處理方法。Assume that the
首先,在步驟S1中,在該交易處理系統1受該營業方電子裝置2以一營業方識別帳戶登入的情況下,該處理單元11接收一來自於該營業方電子裝置2的交易處理請求,其中,該交易處理請求包含一手機門號、一待驗證身分碼及一交易金額。First, in step S1, when the transaction processing system 1 accepts the merchant's
在本實施例中,該營業方識別帳戶例如是由該營業機構針對該交易處理系統1所預先註冊好的商家專用帳戶,藉此,若結帳人員將對應於該營業方識別帳戶的帳號及密碼輸入至該營業方電子裝置2,便能使該營業方電子裝置2以該營業方識別帳戶登入該交易處理系統1。另一方面,該交易處理請求是由該營業方電子裝置2根據該結帳人員20的操作而產生,更具體地說,該結帳人員20例如是先向該消費者30告知結帳金額(等同於該交易金額),並且向該消費者30詢問其手機號碼及身分證號碼末五碼(亦即向該消費者30詢問該手機門號及該待驗證身分碼),接著再依據該消費者30的回答內容對該營業方電子裝置2進行輸入操作,以使該營業方電子裝置2根據該結帳人員20的輸入操作而產生該手機門號、該待驗證身分碼及該交易金額,進而產生並傳送該交易處理請求至該處理單元11。In this embodiment, the business party identification account is, for example, a merchant-specific account pre-registered by the business organization for the transaction processing system 1. Accordingly, if the checkout personnel will use the account number corresponding to the business party identification account and Entering the password into the business party's
在該處理單元11接收到由該營業方電子裝置2所傳送的該交易處理請求之後,流程進行至步驟S2。After the
在步驟S2中,該處理單元11判斷該儲存單元12所儲存的該等有效門號D1中,是否存在其中一個與該交易處理請求的手機門號相符的匹配有效門號D1’( 示例性地示於圖1)。換言之,該處理單元11是判斷該等有效門號D1中是否有其中一者與該交易處理請求所包含的該手機門號相同。若該處理單元11的判斷結果為是,流程進行至步驟S3,另一方面,若該處理單元11的判斷結果為否,流程則進行至步驟S7。In step S2, the
在接續於步驟S2之後的步驟S3中,一旦該處理單元11判定該等有效門號D1中存在該匹配有效門號D1’,該處理單元11接著判斷該交易處理請求的待驗證身分碼是否相符於該匹配有效門號D1’所對應的該身分認證資料D2。若該處理單元11的判斷結果為是,流程進行至步驟S4,另一方面,若該處理單元11的判斷結果為否,流程則進行至步驟S9。In step S3 following step S2, once the processing
在接續於步驟S3之後的步驟S4中,一旦該處理單元11判定該交易處理請求的待驗證身分碼與該匹配有效門號D1’所對應的該身分認證資料D2一致,該處理單元11將一交易代碼以簡訊形式傳送至一對應於該手機門號(亦即對應於該匹配有效門號D1’)的消費方行動裝置,其中,該處理單元11可例如是以隨機的方式即時產生該交易代碼,但並不以此為限。並且,在此假設該匹配有效門號D1’所對應的消費方行動裝置即為圖1中由該消費者30所持有的該消費方行動裝置3,如此一來,該消費者30便能藉由操作該消費方行動裝置3讀取其所接收到的簡訊而得知該交易代碼。In step S4 following step S3, once the processing
在該處理單元11將該交易代碼以簡訊形式傳送至該消費方行動裝置3之後,流程進行至步驟S5。After the
在步驟S5中,當該處理單元11接收到一來自於該營業方電子裝置2且包含一待確認碼的交易確認請求時,該處理單元11判斷該待確認碼是否與被傳送至該消費方行動裝置3的該交易代碼相符。在本實施例中,該交易確認請求例如是由該營業方電子裝置2根據該結帳人員20的輸入操作而產生,更具體地說,該結帳人員20例如是先向該消費者30詢問該消費方行動裝置3所接收到之簡訊中的該交易代碼,接著再將該消費者30口頭告知的交易代碼輸入至該營業方電子裝置2以作為待確認碼,進而使該營業方電子裝置2產生並傳送包含該待確認碼的交易確認請求至該處理單元11。若該處理單元11的判斷結果為是,流程進行至步驟S6,另一方面,若該處理單元11的判斷結果為否,流程則進行至步驟S8。In step S5, when the
在步驟S6中,一旦該處理單元11判定該交易確認請求中的待確認碼與該交易代碼相符,該處理單元11產生並輸出一包含該交易金額及一對應於該營業方識別帳戶之指定收款帳號的撥款指示,以使得一筆對應於該撥款指示且符合該交易金額的交易款項被自動轉入一對應於該指定收款帳號的營業方收款帳戶。更具體地說,該交易款項可例如是來自於一歸屬於該消費者30且與該匹配有效門號D1’存在綁定關係的消費方金融帳戶,但並不以此為限。此外,該指定收款帳號例如是被預先與該營業方識別帳戶綁定,且該指定收款帳號所對應的該營業方收款帳戶例如是該營業機構用來接收營業款項的金融帳戶。並且,在本實施例中,該處理單元11例如是將該撥款指示傳送至該金融伺服端4,以致該金融伺服端4根據該撥款指示自動執行一轉帳交易程序,從而將該交易款項從該消費方金融帳戶轉入該營業方收款帳戶,但並不以此為限。In step S6, once the processing
補充說明的是,在該處理單元11輸出該撥款指示而使得該交易款項被轉入該營業方收款帳戶之後,可選地,該處理單元11例如還傳送一第一結帳完成通知至該營業方電子裝置2以供該結帳人員20確認,以及以簡訊形式傳送一第二結帳完成通知至該消費方行動裝置3以供該消費者30確認。至此,本實施例的交易處理方法結束。It is supplementary to note that after the
在接續於步驟S2之後的步驟S7中,一旦該處理單元11判定該等有效門號D1中並不存在匹配有效門號D1’,表示該交易處理請求所包含的手機門號並不屬於曾被用來註冊簡訊交易服務的有效門號D1,在此情況下,該處理單元11產生一對應於該交易處理請求的門號驗證失敗通知,並將該門號驗證失敗通知傳送至該營業方電子裝置2,以供該營業方電子裝置2將該門號驗證失敗通知輸出供該結帳人員20確認。至此,本實施例的交易處理方法結束。In step S7 following step S2, once the processing
在接續於步驟S3之後的步驟S8中,一旦該處理單元11判定該交易處理請求的待驗證身分碼與該匹配有效門號D1’所對應的該身分認證資料D2不一致,表示被輸入至該營業方電子裝置2的待驗證身分碼並不正確,在此情況下,該處理單元11產生一對應於該交易處理請求的身分驗證失敗通知,並將該身分驗證失敗通知傳送至該營業方電子裝置2,以供該營業方電子裝置2將該身分驗證失敗通知輸出供該結帳人員20確認。至此,本實施例的交易處理方法結束。In step S8 following step S3, once the processing
在接續於步驟S3之後的步驟S9中,一旦該處理單元11判定該待確認碼與該交易代碼不相符,表示被輸入至該營業方電子裝置2的待確認碼並不正確,在此情況下,該處理單元11產生一對應於該交易處理請求的驗證碼錯誤通知,並將該驗證碼錯誤通知傳送至該營業方電子裝置2,以供該營業方電子裝置2將該驗證碼錯誤通知輸出供該結帳人員20確認。至此,本實施例的交易處理方法結束。In step S9 following step S3, once the processing
以上即為本實施例之交易處理系統1如何實施該交易處理方法的示例說明。The above is an example of how the transaction processing system 1 of this embodiment implements the transaction processing method.
特別說明的是,本實施例的步驟S1至步驟S9及圖2的流程圖僅是用於示例說明本新型的其中一種可實施方式。應當理解,即便將步驟S1至步驟S9進行合併、拆分或順序調整,若合併、拆分或順序調整之後的流程與本實施例相比是以實質相同的方式達成實質相同的功效,便仍屬於本新型交易處理方法的可實施態樣,因此,本實施例的步驟S1至步驟S9及圖2的流程圖並非用於限制本新型的可實施範圍。It should be noted that steps S1 to S9 in this embodiment and the flow chart in FIG. 2 are only used to illustrate one possible implementation manner of the present invention. It should be understood that even if steps S1 to S9 are combined, split, or the order is adjusted, if the process after the combination, split, or order adjustment achieves substantially the same effect in substantially the same way as in this embodiment, the process will still be the same. It is an implementable aspect of the transaction processing method of the present invention. Therefore, steps S1 to S9 of this embodiment and the flow chart in FIG. 2 are not used to limit the implementable scope of the present invention.
綜上所述,藉由實施該交易處理方法,該交易處理系統1提供了讓消費者30能以「接收簡訊」來進行結帳的簡訊交易服務,而且,本實施例所提供的簡訊交易服務不但能應用在智慧型手機上,亦能應用在傳統手機上。值得一提的是,本實施例對於消費者30而言,其僅需操作消費方行動裝置3開啟簡訊來讀取交易代碼並告知結帳人員20,而不需在消費方行動裝置3中預先安裝任何特定應用程式,也不需操作消費方行動裝置3進行如登入、開啟條碼或掃描條碼等相對繁雜的步驟,因此,相較於現有技術中利用行動裝置來完成的其他支付模式,本實施例確實能夠進一步降低消費者30的操作負擔,而使得不熟稔智慧型裝置操作的族群也能利用行動裝置輕鬆實現無現金、無實體卡片的支付作業,故確實能達成本新型之目的。In summary, by implementing the transaction processing method, the transaction processing system 1 provides an SMS transaction service that allows the
惟以上所述者,僅為本新型之實施例而已,當不能以此限定本新型實施之範圍,凡是依本新型申請專利範圍及專利說明書內容所作之簡單的等效變化與修飾,皆仍屬本新型專利涵蓋之範圍內。However, the above are only examples of the present invention, and should not be used to limit the scope of the present invention. All simple equivalent changes and modifications made based on the patent scope of the present invention and the content of the patent specification are still within the scope of the present invention. Within the scope covered by this new patent.
1:交易處理系統 11:處理單元 12:儲存單元 D1:有效門號 D1’:匹配有效門號 D2:身分認證資料 2:營業方電子裝置 3:消費方行動裝置 4:金融伺服端 20:結帳人員 30:消費者 S1~S9:步驟 1: Transaction processing system 11: Processing unit 12:Storage unit D1: Valid door number D1’: Match valid door number D2: Identity authentication information 2: Business electronic device 3: Consumer mobile device 4: Financial server 20: Checkout person 30:Consumer S1~S9: steps
本新型之其他的特徵及功效,將於參照圖式的實施方式中清楚地呈現,其中: 圖1是一方塊示意圖,示例性地表示本新型交易處理系統的一實施例,以及適合與該實施例配合的一營業方電子裝置、一消費方行動裝置及一金融伺服端;及 圖2是一流程圖,用於示例性地說明該實施例如何實施一交易處理方法。 Other features and functions of the present invention will be clearly presented in the embodiments with reference to the drawings, in which: Figure 1 is a block diagram schematically illustrating an embodiment of the new transaction processing system, as well as a business electronic device, a consumer mobile device and a financial server suitable for cooperating with the embodiment; and FIG. 2 is a flow chart illustrating how this embodiment implements a transaction processing method.
1:交易處理系統 1: Transaction processing system
11:處理單元 11: Processing unit
12:儲存單元 12:Storage unit
D1:有效門號 D1: Valid door number
D1’:匹配有效門號 D1’: Match valid door number
D2:身分認證資料 D2: Identity authentication information
2:營業方電子裝置 2: Business electronic device
3:消費方行動裝置 3: Consumer mobile device
4:金融伺服端 4: Financial server
20:結帳人員 20: Checkout person
30:消費者 30:Consumer
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