TWM649170U - transaction processing system - Google Patents

Abstract

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

transaction processing system

The present invention relates to a processing system, in particular to a transaction processing system that uses text messages to process transactions.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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 electronic device 2, a consumer mobile device 3 and a financial server 4.

In the application environment of this embodiment, the business electronic device 2 is a checkout computer, which belongs to a business organization (such as a store) and is set up at the business location of the business organization for business purposes. One checkout person in the venue 20 operates.

The consumer mobile device 3 is a portable communication device (such as a mobile phone or a tablet computer) capable of receiving text messages, and belongs to a consumer 30 . It should be added that the "short message" mentioned in this embodiment includes but is not limited to Short Message Service (SMS), Enhanced Message Service (EMS), and multimedia message service. SMS (Multimedia Messaging service, referred to as MMS).

The financial server 4 is a financial transaction system belonging to a financial institution (such as a bank), which stores multiple financial account information internally and is used to execute transfer transaction procedures based on financial accounts.

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 electronic device 2 and the consumer mobile device 3 are shown to illustrate this embodiment.

In this embodiment, the transaction processing system 1 is a server device. The transaction processing system 1 includes a processing unit 11 and a storage unit 12 electrically connected to the processing unit 11. Furthermore, the processing unit 11 is suitable for The network is electrically connected to the business electronic device 2, the consumer mobile device 3 and the financial server 4. More specifically, in this embodiment, the processing unit 11 is a processor implemented with an integrated circuit and has data computing and instruction sending and receiving functions, and the storage unit 12 is a data storage device for storing digital data. (For example, a hard drive, or other type of computer-readable recording medium). However, in similar implementations, the processing unit 11 may also be a processing circuit including a processor, and the storage unit 12 may also be a collection of multiple storage devices of the same or different types. Further, in other embodiments, the transaction processing system 1 may also be implemented as a plurality of servo devices that are electrically connected to each other. In this case, the processing unit 11 may be implemented as multiple servo devices respectively. A set of processors/processing circuits, and the storage unit 12 may be implemented as a set of multiple storage devices respectively owned by the server devices. Based on the above, the actual implementation of the transaction processing system 1 in terms of computer hardware is not limited to this embodiment.

In this embodiment, the storage unit 12 stores a plurality of valid door numbers D1 and a plurality of pieces of identity authentication data D2 respectively corresponding to the valid door numbers D1. Among them, each valid phone number D1 is a mobile phone number used by consumers to register for the SMS transaction service, and each piece of identity authentication information D2 is, for example, the last five digits of the ID card number of the consumer who registered for the SMS transaction service. However, In different implementation forms, each piece of identity authentication information D2 can also be the corresponding consumer's date of birth, a customized password, or other information that can be used to verify the consumer's identity. Therefore, these identities The actual form of the authentication data D2 is not limited to this embodiment.

Assume that the consumer 30 holding the consumer's mobile device 3 is checking out at a business place equipped with the business's electronic device 2. With reference to Figure 2, the transaction processing system of this embodiment will be described in detail below. 1How to implement a transaction processing method.

First, in step S1, when the transaction processing system 1 accepts the merchant's electronic device 2 to log in with a merchant identification account, the processing unit 11 receives a transaction processing request from the merchant's electronic device 2, Among them, the transaction processing request includes a mobile phone number, an identity code to be verified and a transaction amount.

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 electronic device 2 enables the business party's electronic device 2 to log in to the transaction processing system 1 using the business party's identification account. On the other hand, the transaction processing request is generated by the business electronic device 2 according to the operation of the checkout staff 20. More specifically, the checkout staff 20 first informs the consumer 30 of the checkout amount ( Equivalent to the transaction amount), and ask the consumer 30 for his mobile phone number and the last five digits of the ID number (that is, ask the consumer 30 for the mobile phone number and the identity code to be verified), and then based on the consumption The answer content of the person 30 is input to the business party's electronic device 2, so that the business party's electronic device 2 generates the mobile phone number, the identity code to be verified and the transaction amount according to the input operation of the checkout staff 20, The transaction processing request is then generated and sent to the processing unit 11 .

After the processing unit 11 receives the transaction processing request transmitted by the merchant's electronic device 2, the process proceeds to step S2.

In step S2, the processing unit 11 determines whether among the valid door numbers D1 stored in the storage unit 12, there is a matching valid door number D1' that matches the mobile phone door number of the transaction processing request (exemplarily shown in Figure 1). In other words, the processing unit 11 determines whether one of the valid phone numbers D1 is the same as the mobile phone phone number included in the transaction processing request. If the determination result of the processing unit 11 is yes, the process proceeds to step S3. On the other hand, if the determination result of the processing unit 11 is no, the process proceeds to step S7.

In step S3 following step S2, once the processing unit 11 determines that the matching valid door number D1' exists among the valid door numbers D1, the processing unit 11 then determines whether the identity code to be verified in the transaction processing request matches. The identity authentication data D2 corresponding to the matching valid door number D1'. If the determination result of the processing unit 11 is yes, the process proceeds to step S4. On the other hand, if the determination result of the processing unit 11 is no, the process proceeds to step S9.

In step S4 following step S3, once the processing unit 11 determines that the identity code to be verified in the transaction processing request is consistent with the identity authentication data D2 corresponding to the matching valid door number D1', the processing unit 11 will The transaction code is sent in the form of a text message to a consumer mobile device corresponding to the mobile phone number (that is, corresponding to the matching valid phone number D1'), where the processing unit 11 can, for example, generate the transaction instantly in a random manner. code, but is not limited to this. Moreover, it is assumed here that the consumer mobile device corresponding to the matching valid door number D1' is the consumer mobile device 3 held by the consumer 30 in Figure 1. In this way, the consumer 30 can The transaction code is obtained by operating the consumer's mobile device 3 to read the SMS received.

After the processing unit 11 transmits the transaction code to the consumer mobile device 3 in the form of a text message, the process proceeds to step S5.

In step S5, when the processing unit 11 receives a transaction confirmation request from the merchant's electronic device 2 and includes a code to be confirmed, the processing unit 11 determines whether the code to be confirmed is not transmitted to the consumer. The transaction code of mobile device 3 matches. In this embodiment, the transaction confirmation request is generated by the business electronic device 2 according to the input operation of the checkout staff 20. More specifically, the checkout staff 20 first inquires to the consumer 30, for example. The transaction code in the SMS received by the consumer's mobile device 3 is then input into the business's electronic device 2 as a code to be confirmed, thereby allowing the business's electronic device to 2. Generate and send a transaction confirmation request including the code to be confirmed to the processing unit 11. If the determination result of the processing unit 11 is yes, the process proceeds to step S6. On the other hand, if the determination result of the processing unit 11 is no, the process proceeds to step S8.

In step S6, once the processing unit 11 determines that the code to be confirmed in the transaction confirmation request is consistent with the transaction code, the processing unit 11 generates and outputs a message including the transaction amount and a designated receipt corresponding to the business party identification account. The appropriation instruction of the payment account, 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. More specifically, the transaction amount may, for example, come from a consumer financial account that belongs to the consumer 30 and has a binding relationship with the matching valid door number D1', but is not limited to this. In addition, the designated collection account is, for example, pre-bound to the business party identification account, and the business party collection account corresponding to the designated collection account is, for example, a financial account used by the business institution to receive business funds. Moreover, in this embodiment, the processing unit 11 transmits the appropriation instruction to the financial server 4, so that the financial server 4 automatically executes a transfer transaction procedure according to the appropriation instruction, thereby transferring the transaction funds from the The consumer's financial account is transferred to the business's collection account, but this is not the limit.

It is supplementary to note that after the processing unit 11 outputs the appropriation instruction to cause the transaction amount to be transferred to the business party's collection account, optionally, the processing unit 11 also sends a first settlement completion notification to the business party, for example. The merchant's electronic device 2 is used for confirmation by the checkout staff 20, and a second checkout completion notification is sent to the consumer's mobile device 3 in the form of a text message for confirmation by the consumer 30. At this point, the transaction processing method of this embodiment ends.

In step S7 following step S2, once the processing unit 11 determines that there is no matching valid door number D1' among the valid door numbers D1, it means that the mobile phone number included in the transaction processing request does not belong to the mobile phone number that has been previously used. A valid phone number D1 used to register the SMS transaction service. In this case, the processing unit 11 generates a phone number verification failure notification corresponding to the transaction processing request, and transmits the phone number verification failure notification to the business party's electronic mailbox. Device 2 is used for the business party's electronic device 2 to output the door number verification failure notification for the checkout personnel 20 to confirm. At this point, the transaction processing method of this embodiment ends.

In step S8 following step S3, once the processing unit 11 determines that the identity code to be verified in the transaction processing request is inconsistent with the identity authentication data D2 corresponding to the matching valid door number D1', it means that it has been input to the business. The identity code to be verified of the party's electronic device 2 is incorrect. In this case, the processing unit 11 generates an identity verification failure notification corresponding to the transaction processing request, and transmits the identity verification failure notification to the business party's electronic device. 2, for the business party's electronic device 2 to output the identity verification failure notification for the checkout personnel 20 to confirm. At this point, the transaction processing method of this embodiment ends.

In step S9 following step S3, once the processing unit 11 determines that the code to be confirmed does not match the transaction code, it means that the code to be confirmed input to the business party's electronic device 2 is incorrect. In this case , the processing unit 11 generates a verification code error notification corresponding to the transaction processing request, and transmits the verification code error notification to the business party electronic device 2, so that the business party electronic device 2 outputs the verification code error notification For confirmation by the checkout person 20. At this point, the transaction processing method of this embodiment ends.

The above is an example of how the transaction processing system 1 of this embodiment implements the transaction processing method.

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.

In summary, by implementing the transaction processing method, the transaction processing system 1 provides an SMS transaction service that allows the consumer 30 to perform checkout by "receiving SMS". Furthermore, the SMS transaction service provided by this embodiment It can be applied not only on smart phones, but also on traditional mobile phones. It is worth mentioning that in this embodiment, the consumer 30 only needs to operate the consumer's mobile device 3 to open the SMS to read the transaction code and inform the checkout staff 20 , without having to pre-set the transaction code in the consumer's mobile device 3 . Installing any specific application does not require operating the consumer's mobile device 3 to perform relatively complicated steps such as logging in, opening a barcode or scanning a barcode. Therefore, compared with other payment modes that are completed using mobile devices in the prior art, this implementation This example can indeed further reduce the operational burden on consumers 30, 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, so the purpose of this new model can indeed be achieved.

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: 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

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: 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

Claims (4)

A transaction processing system suitable for cooperating with a business electronic device and a consumer mobile device; the transaction processing system includes: A processing unit suitable for electrical connection with the business party's electronic device and the consumer party's mobile device; and a storage unit electrically connected to the processing unit; Among them, this processing unit is used for: In the case where the transaction processing system accepts a business party electronic device to log in with a business party identification account, after receiving a transaction processing request from the business party electronic device and including a mobile phone number and a transaction amount, the transaction processing system will A transaction code is sent in the form of a text message to a consumer mobile device corresponding to the mobile phone number; When receiving a transaction confirmation request from the business party's electronic device and containing a code to be confirmed, 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, a disbursement instruction including the transaction amount and a designated collection account corresponding to the business party identification account is generated and output, so that a disbursement instruction corresponding to the disbursement instruction and consistent with the The transaction amount of the transaction amount is automatically transferred to a business party collection account corresponding to the designated collection account. The transaction processing system of claim 1, wherein 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. The transaction processing system as described in claim 2, wherein the storage unit also stores a plurality of 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. The transaction processing system of claim 1, wherein 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 appropriation 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.

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