HK1158348A - Information processing system, processing station and method for card swiping on delivery - Google Patents

Description

Information processing system, processing station and goods-to-card swiping method

Technical Field

The present invention relates to an information processing system, a processing station and a goods-to-card swiping method, and more particularly, to an information processing system, a processing station and a goods-to-card swiping method for transmitting information using a mobile terminal device.

Background

With the increasing volume of electronic commerce transactions, the consumer market has accepted more payment methods for paying for goods by credit cards, plastic money or financial cards, etc., under the premise that many international credit card issuing organizations or large-scale network communication companies have proposed credit card payment protocols with security, such as: visa proposes a 3D security protocol (3D Secure), Master proposes an SPA Security Protocol (SPA), Netscape company proposes a Secure Sockets Layer (SSL) security protocol, a KSL security protocol developed by the academia, and the like. Therefore, in order to meet the consumption habit that consumers can pay for goods by cash or cards, the traditional goods transportation and distribution system has a urgent need to provide a third party payment function with both the payment function of goods to card and payment function of goods to pay.

However, the general logistics transportation business has to introduce the wireless card-swiping mobile device provided by the bank because the technical obstacles of establishing the wireless card-swiping platform conforming to the credit card payment agreement used by each acquiring bank and the government regulations cannot be overcome, but faces the dilemma that the wireless card-swiping mobile device provided by the bank and the original goods distribution system of the logistics transportation business cannot be integrated. When goods are delivered to the address of the receiver, the distributor needs to operate the mobile devices belonging to different systems in sequence, log in the goods distribution system to update the goods distribution condition and complete the online card swiping authorization procedure.

The dual-track system not only needs to consume a lot of cost for installation, but also causes the trouble of complicated operation procedure, and each online card-swiping transaction needs to spend a lot of operation processes for exchanging money flow information. Therefore, there is a need for a logistics carrier to solve the above problems.

Disclosure of Invention

An object of the present invention is to provide an information processing system, a processing station, a mobile terminal device and an on-delivery card swiping method, so as to establish a wireless card swiping platform with a security mechanism.

Another object of the present invention is to provide an information processing system, a processing station, a mobile terminal device and a method for swiping a card from a delivery destination to integrate the transmission and management of logistics information and money flow information.

According to the present invention, an information processing system is provided, which comprises at least a mobile terminal device and an information processing station. The information processing station enables the mobile terminal device to establish a communication link with at least one bank server, and the information processing station comprises at least one logistics information server and at least one money flow information server. The logistics information server stores a plurality of goods state information, and the cash flow information server receives and stores at least one piece of goods state information from the logistics information server. The cash flow information server includes: the online addressing module, the information storage module, the encryption and decryption module and the first control module are connected with the online addressing module, the information storage module and the encryption and decryption module and control the operation of the modules connected with the online addressing module, the information storage module and the encryption and decryption module. The online addressing module receives at least one transaction message from one encryption channel, the encryption and decryption module enables the online addressing module to forward the transaction message on the other encryption channel by at least one encryption protocol and receive an authorization message from a bank server, the authorization message is encrypted and stored in the information storage module in contrast to the cargo state information, and the online addressing module transmits an arrival confirmation message to the logistics information server.

According to the present invention, an information processing station is provided, which comprises at least one logistics information server and at least one money flow information server. The logistics information server stores a plurality of goods state information, and the cash flow information server receives and stores at least one piece of goods state information from the logistics information server. The golden flow information server comprises a connecting line address transferring module, an information storage module, an encryption and decryption module and a first control module which are connected with the connecting line address transferring module, the information storage module and the encryption and decryption module and control the operation of the connecting line address transferring module, the information storage module and the encryption and decryption module. The online addressing module receives at least one transaction message from one encryption channel, the encryption and decryption module enables the online addressing module to forward the transaction message on the other encryption channel by at least one encryption protocol and receive an authorization message from a bank server, the authorization message is encrypted and stored in the information storage module in contrast with the cargo state information, and the online addressing module transmits an arrival confirmation message to the logistics information server.

According to the invention, a goods-to-card swiping method is provided, which comprises the following steps: receiving and storing at least one cargo state information from at least one logistics information server; receiving at least one transaction message from one encryption channel and forwarding the transaction message on another encryption channel by using at least one encryption protocol; requesting authorization from a bank server; when receiving an authorization message, encrypting the authorization message and storing the authorization message in comparison with the cargo state information; and transmitting a delivery confirmation message to the logistics information server.

The logistics information server can be a travel control system for arranging the logistics transportation process, a goods tracking system for inquiring the goods distribution state or a database system for storing logistics information, and the like, and the goods state information can be various information used in the logistics transportation process, such as: the information related to the delivery of the goods includes a delivery date and a goods number, and preferably further includes a delivery station number, an arrival station number, a mobile terminal device number, a delivery worker number, a delivery owner code and the like. The information storage module can store at least one record file for recording the received goods state information, wherein the record file comprises a sending date and a goods number, and preferably also comprises a sending station code, an arrival station code, a mobile terminal device number, a distributor work number, a delivery owner code number and the like.

The encryption channel is not limited to the type and form, and may be any combination of a wireless Network, a Virtual Private Network (VPN), and a wired Network, and may be a Network form connected via at least one fixed IP. The encryption protocol is not limited in kind or form, and may depend on the interface supported by the bank server with which communication is to be established and the data transmission security requirement, such as SSL, 3D, SPA, or KSL security protocols, and any combination thereof. The content of the transaction information is not limited to include the credit card number, and other information such as: the credit card expiration date, payment amount, credit card security number, or a set of passwords may be included in any combination. Credit card security numbers may be provided by various international credit card issuing organizations, such as: CVV2 number provided by Visa, CVC2 number provided by Master. In addition, the set of passwords may be passwords registered via a credit card issuing bank.

The first control module may execute at least one software, such as: the browser program, and/or a Message Passing Interface Server (MPI Server) software, communicates with the bank Server or international organization database Server using a credit card payment protocol that conforms to the use of each bank in an environment compatible with the use of the bank Server.

In another aspect of the present invention, the encryption processing can be performed by the encryption/decryption module, so that the information stored in the information storage module is the encrypted authorization information, and when the information storage module reads out the encrypted authorization information, the encryption/decryption module can perform the decryption process to restore the content of the authorization information.

The mobile terminal device can comprise an information input module, a wireless transmission module, a storage module, a display module, a bar code reading module and a second control module, wherein the second control module is connected with the information input module, the wireless transmission module, the storage module, the display module and the bar code reading module, and controls the information input module, the wireless transmission module, the storage module, the display module and the bar code reading module. In the second control module, a browser operating system is preferably executed to forward the transaction information to the bank server through a URL network address link, so that when the information processing station establishes a communication link between the mobile terminal device and the bank server, the mobile terminal device can communicate with the bank server through a browser operating system, thereby ensuring that the transaction information does not remain in the mobile terminal device.

The cash flow information server can periodically count a plurality of authorization information in the information storage module and transmit at least one piece of statistical data to at least one bank server for account checking, for example, the cash flow information server can transmit the statistical data of the authorization information on the day at a fixed time every day, such as: the transaction total is authorized to the bank server to conform to current business habits.

Therefore, when the distributor of the logistics carrier sends the goods to the address of the receiver, the distributor can use the information processing system, the processing station, the mobile terminal device and the goods-to-card swiping method of the invention to transmit the money flow information to the bank server and receive the authorization information from the bank server through the encryption channel according to the encryption protocol of the interface used by the bank server, thereby providing a wireless card swiping platform with a security mechanism for the receiver; on the other hand, the goods arrival confirmation information is transmitted to the logistics information server to complete the updating of the goods state, so that the transmission and management of the logistics information and the money flow information can be unified.

Drawings

FIG. 1 is a schematic diagram of an information processing system according to a first preferred embodiment of the present invention;

FIG. 2 is a functional block diagram of a mobile terminal apparatus according to a first embodiment of the present invention;

FIG. 3 is a functional block diagram of a cash flow information server according to a first embodiment of the present invention;

FIG. 4 is a diagram illustrating a record file format of information stored in the golden flow information server according to a first embodiment of the present invention;

FIG. 5 is a flow chart of a method of a first embodiment of the present invention for a card-to-stock swipe;

FIG. 6 is a diagram of an information processing system according to a second embodiment of the present invention; and

fig. 7 is a flowchart of a second embodiment of a method for a card-in-stock swipe according to the present invention.

[ description of main element symbols ]

1, 2 information processing stations 10, 12 mobile terminal device

14 signature printing device 20 information processing station

21, 23 money flow information server 22 logistics information server

30 acquiring bank server 31 international organization database server

32 card issuing bank server 40, 43 network channel

41, 42 encryption channel 101 second control module

102 wireless transmission module 103 storage module

104 display module 105 bar code reading module

106 information input module 107 sign printing module

211 link forwarding module 212 first control module

213 information storage module 214 encryption and decryption module

2121 software 2131 record file

2131A date of delivery 2131B goods number

2131C sending station code 2131D Mobile terminal device number

2131E Payment amount 2131F Credit card number

2131G authorization code 2131H authorization date/time

S500, S510, S520, S530, S540, S550, S560, S570, S580, S590, S700, S705, S710, S715, S720, S725, S730, S735, S740, S745, S750, S755, step

Detailed Description

The embodiments of the present invention will be described with reference to the drawings, which are for convenience of description and example only, and the scope of the claims should be determined by the appended claims rather than by the examples described herein.

Referring to FIG. 1, an information processing system 1 according to a first preferred embodiment of the present invention is shown. The information processing system 1 includes at least one mobile terminal device 10 and an information processing station 20, and communicates with at least one bank server 30 through the information processing station 20. It is convenient to illustrate only one mobile terminal device 10 and one acquiring bank server 30, however, a plurality of mobile terminal devices 10 and a plurality of bank servers 30 may be applied according to the complexity of the environment in which the present invention is implemented, and the number is not limited. The information processing station 20 comprises at least one cash flow information server 21 and at least one logistics information server 22, wherein the logistics information server 22 stores a plurality of goods status information, and the goods status information comprises a delivery date and a goods number related to goods delivery. The logistics information server 22 can communicate with the money flow information server 21. There is no limitation in the number of the logistics information server 22 and the cash flow information server 21, such as: a plurality of logistics information servers 22 or cash flow information servers 21 can be redundantly backed up with each other to establish higher data reliability. The mobile terminal device 10 establishes communication links with the cash flow information server 21 and the logistics information server 22 through a network channel 40 and an encryption channel 41, respectively, to transmit the cargo state information and the transaction information, respectively. The cash flow information server 21 can further forward the transaction information to at least one bank server 30 via an encryption channel 42 by at least one encryption protocol to complete the online card-swiping authorization.

The network channel 40 may be any network communication medium connected through a wireless network and/or a wired network, and the encryption channels 41, 42 may be network communication media only used between authorized communication terminals, such as: a network of any combination of wireless, virtual private and wired networks. In the present embodiment, the network channel 40 is 3G (3)^rdGeneration) system, and the encrypted channel 41 is a network communication medium formed by bridging a wireless network of a 3G system, an enterprise virtual network and at least one fixed IP wired network, and only authorized mobile terminal devices 10 and the money flow information server 21 can communicate with each other. The encrypted channel 41 is a fixed IP private line, and only the money flow information server 21 and other authorized special stores can communicate with the acquiring bank server 30.

Please refer to fig. 2, which is a functional block diagram of the mobile terminal apparatus 10 according to the present embodiment. As can be seen from the figure, the mobile terminal device 10 includes a second control module 101, a wireless transmission module 102, a storage module 103, a display module 104, a barcode reading module 105, an information input module 106 and a ticket printing module 107. The second control module 101 is connected to the wireless transmission module 102, a storage module 103, a display module 104, a barcode reading module 105, an information input module 106 and a receipt printing module 107 to control the modules connected thereto, and the operations performed by the modules will be described in detail below.

In the present embodiment, the mobile terminal device 10 is preferably provided for the distributor of the logistics transportation provider, and the second control module 101 executes a browser operating system, such as: microsoft Windows operating system or apple computer Safari browser. One function of the mobile terminal device 10 is that after the delivery person receives the goods, the barcode reading module 105 scans the goods number marked by the barcode label on the goods, and converts the goods number into an electronic signal to transmit to the second control module 101. The second control module 101 controls the wireless transmission module 102 to send a wireless signal to the internet 40 to log in the logistics information server 22, and sends a wireless signal representing the electronic signal to download the related cargo state information of the cargo number and store the information in the storage module 103. The wireless transmission module 102 includes an infrared transmission transceiver, a 3G transmission transceiver, and other wireless transmission transceivers. The display module 104 can display the received cargo status information, which can include the sending date, sending station code, cargo distribution mode, etc., the sending date is the date when the logistics carrier receives the delivery order, the sending station code is the code of the receiving station, and the cargo distribution mode is the code or characters to indicate whether the cargo is needed to be provided to the card-swiping service. Therefore, the distributor can know whether the goods need to be paid by swiping the card by the receiver when delivering the goods.

Another function of the mobile terminal device 10 is that, assuming that the goods delivery method of a good represents "goods arrive at card swiping", the distributor can input the transaction information by operating the information input module 106 for the cash flow information server 21 to forward it to the acquiring bank server 30 to confirm whether the transaction is authorized. In the embodiment, the operation information input module 106 is a keyboard including a plurality of arabic numeral keys, a confirmation key and a cancel key, but is not limited thereto, and may also be a keyboard with other function key combinations, a touch panel capable of recognizing handwriting touch input, or other devices for establishing a man-machine input interface. When receiving the authorization information provided by the acquiring bank server 30, the receipt printing module 107 can print out a receipt and a statement including the authorization information for the credit card holder to sign and confirm and the logistics carrier to keep and check. The subsequent paragraphs will further detail the related procedures of online card swiping.

Please refer to fig. 3, which is a functional block diagram of the cash flow information server 21 of the present embodiment. As shown in the figure, the cash flow information server 21 includes a connection address conversion module 211, a first control module 212, an information storage module 213 and an encryption/decryption module 214, wherein the information storage module 213, the encryption/decryption module 214 and the connection address conversion module 211 are respectively connected to the first control module 212 and controlled by the first control module 212. The information storage module 213 stores at least one record file 2131. The first control module 212 executes at least one software 2121 to assist the cash flow information server 21 to establish an environment compatible with the interface of the acquiring bank server 30 and to communicate, so that the cash flow information server 21 establishes a communication link between the mobile terminal device 10 and the acquiring bank server 30 through the connecting address module 211 over the encrypted channels 41, 42.

Referring to fig. 2, fig. 3, fig. 4 and fig. 5, fig. 4 is a schematic diagram of a record file format of information stored in the cash flow information server according to the embodiment, and fig. 5 is a flowchart of a method for swiping a card from a delivery destination according to the embodiment. The logistics information server 22 will screen the goods status information stored therein and only transmit the goods status information that the goods delivery method represents "" goods to card swiping "" to the cash flow information server 21. The cash flow information server 21 receives and stores the cargo state information from the logistics information server 22 (step S500). In this embodiment, the cash flow information server 21 stores the goods status information according to the predetermined format of the record file 2131, and the fields in the record file 2131 that can store the goods status information include the delivery date 2131A, the goods number 2131B, the delivery station number 2131C, the mobile terminal device number 2131D, etc., but may also include the delivery owner code, the delivery staff number, or the special store code. The record file 2131 can be encrypted by the encryption/decryption module 214 to make the information stored in the information storage module 213 be hidden text, and the encrypted record file 2131 can be read out by the encryption/decryption module 214 to be decrypted into plaintext.

When one of the goods is sent to the consignee and the on-line card swiping is performed, the distributor firstly uses the information input module 106 to select the card swiping function and establishes a communication link with the acquiring bank server 30 through the URL link in a browser operation mode. At this time, the mobile terminal device 10 will transmit the goods number and a transaction screen request command to the cash flow information server 21. The cash flow information server 21 confirms whether the source address of the transaction image request command matches with the information in the column of the mobile terminal device number 2131D, and if no error, requests a credit card transaction image from an acquiring bank server 30 and transfers it to the mobile terminal device 10. At this time, the receiver can enter the transaction information in the transaction screen, and the cash flow information server 21 receives the transaction information from the encryption channel 41 and forwards the transaction information on the encryption channel 42 by an encryption protocol (step S510). The format of the information transmitted over the encryption channel 41 is in accordance with one or more encryption protocols, such as: secure Sockets Layer (SSL) protocol. The encryption/decryption module 214 also encrypts the transaction information received from the encryption channel 41 to make the format conform to the encryption protocol for the link forwarding module 211 to forward to the acquiring bank server. Since the mobile terminal device 10 logs in the web page directly by a browser operating system and the cash flow information server 21 only forwards and encrypts the transaction information and then sends out the transaction information, the transaction information is not left in the mobile terminal device 10 or the cash flow information server 21. The transaction information may include different information according to the card issuing organization to which the credit card belongs, such as: credit Card number, credit Card expiration date, payment amount, CVV2(Card verification Value 2) security number supplied by Visa, CVC2(Card verification Code 2) security number supplied by Master, and the like.

After the transaction information is forwarded, the first control module 212 executes at least one software 2121 to request authorization from a bank server 30 (step S520). In this embodiment, authorization is requested from the issuing bank of the credit card via the acquiring bank server 30. Then, it is determined whether an authorization message is received (step S530). The authorization information may include different information depending on the bank distinction, such as: payment amount, credit card portion card number, authorization code, authorization date and time, etc. When receiving the authorization information, the cash flow information server 21 stores the authorization information in the information storage module by referring to the cargo state information in the record file 2131 (step S540). For example, after the cash flow information server 21 encrypts and processes the authorization information by the encryption/decryption module 214, the authorization information corresponding to the item number 2131B is filled in the fields of the payment amount 2131E, the credit card part number 2131F, the authorization code 2131G, the authorization date and time 2131H, etc. in the record file 2131 storing the item number.

Thereafter, the connection forwarding module 211 transmits the authorization information to the mobile terminal apparatus 10 (step S550). Then, the slip printing module 107 of the mobile terminal device 10 prints out the card-swiping slip and the statement (step S570). On the other hand, after step S540, the cash flow information server 21 also sends a goods confirmation message to the logistics information server 22 (step S560), and the logistics information server 22 can update the goods status information of the goods number accordingly, such as: change state to delivered. In this embodiment, step S550 and step S560 are executed synchronously after step S540 is executed, however, the sequence among step S540, step S550 and step S560 is not limited, and may be other combined sequences.

In addition, if the cash flow information server 21 determines that no authorization message is received after a predetermined time (step S580), the cash flow information server 21 will send an authorization failure message to the mobile terminal device 10 (step S590). In order to meet the current habit of daily reconciliation procedure in e-commerce operation, the cash flow information server 21 of this embodiment can also periodically, for example: at a predetermined time every day, the authorization information stored in the information storage module 213 is counted and the statistical data is transmitted to the bank server 30, where the statistical data may include the total amount of authorized transactions accumulated by each card issuing bank on the day, so that the acquiring bank, the card issuing bank and the logistics transportation provider may perform subsequent money transfer procedures.

Please refer to fig. 6 and 7 together, in which fig. 6 is a schematic diagram of an information processing system according to a second embodiment of the present invention, and fig. 7 is a flowchart of a goods-to-card swiping method according to the second embodiment of the present invention. For simplicity, only the differences between the present embodiment and the first embodiment will be described herein. In this embodiment, the 3D security protocol is used for card swiping authorization. The mobile terminal apparatus 12 of the present embodiment is substantially the same as the mobile terminal apparatus 10 of the first embodiment, except that the receipt printing module 107 is not provided. The information processing system 2 of the present embodiment further includes a ticket printing device 14 for receiving the authorization information transmitted from the mobile terminal device 12 via wireless communication and printing the ticket. Furthermore, the software executed in the cash flow information Server 23 of this embodiment further includes an information transfer interface Server software (MPI Server software) for performing a card-swiping authorization procedure according to the 3D security protocol. The process differs from the previous embodiment mainly in step S705, step S710 and step S715 of fig. 7. In step S705, the MPI Server software will transmit the transaction information received from the encryption channel 41 to the database Server 31 via the network channel 43, such as: VISA internet Directory (VISA Directory) and the card issuing bank server 32 to which the credit card belongs to determine whether the credit card has registered 3D Secure service. Assuming the credit card has a 3D Secure registration, the MPI Server software redirects the browser of the mobile end device 12 to the issuer domain. At this time, the MPI Server software will forward the password input frame from the card issuing bank domain to the mobile terminal device 12, so that the frame of the display module 104 will jump out of the (pop-up) window to request the cardholder to enter a group of passwords, and after the cardholder inputs the password, the MPI Server software will forward the password from the mobile terminal device 12 to the card issuing bank Server 32 (step S710). When the card issuing bank server 32 determines that the password is correct, the authorization code is transmitted back to the acquiring bank server 30 (step S715). The MPI Server software requests authorization from the acquiring bank Server 30 to receive an authorization message containing the authorization code (step S720).

Although in the present embodiment, the step S755 is directly performed to transmit the authorization failure message when the password is determined to be incorrect, other processes may be designed so that the cash flow information server 23 may request the transaction authorization in other manners, such as: the first embodiment refers to a security number, such as: CVV2 or CVC2 numbers require a way of transaction authorization.

Therefore, it can be known from the above that, when the distributor of the logistics carrier sends the goods to the address of the receiver, it can use the information processing system, the processing station and the goods-to-card swiping method of the invention to transmit the money flow information to the bank server and receive the authorization information from the bank server through the encryption channel in accordance with the encryption protocol of the interface used by the bank server, so as to provide the wireless card swiping platform with the security mechanism for the receiver; on the other hand, the goods status information can be transmitted to the logistics information server through the network channel to complete the updating, so that the transmission and management of the logistics information and the money flow information can be unified.

The foregoing describes a number of different embodiments in accordance with the present invention, in which the various features may be implemented in single or in various combinations. Therefore, the embodiments of the present invention are disclosed as specific examples for illustrating the principles of the present invention, and should not be construed as limiting the invention to the disclosed examples. Furthermore, the foregoing description and accompanying drawings are only exemplary of the invention, and the scope of the invention is not limited thereto. Variations or combinations of other elements are possible without departing from the spirit and scope of the invention.

Claims (21)

1. An information processing system, characterized in that: the method comprises the following steps:

at least one mobile terminal device; and

an information processing station for establishing a communication link between the mobile terminal device and at least one bank server, the information processing station comprising at least one logistics information server and at least one money flow information server, the logistics information server storing a plurality of goods status information, the money flow information server receiving and storing at least one goods status information from the logistics information server, the money flow information server comprising: the online addressing module, the information storage module, the encryption and decryption module and the first control module are connected with the online addressing module, the information storage module and the encryption and decryption module and control the operations of the online addressing module, the information storage module and the encryption and decryption module;

the online addressing module receives at least one transaction message from one encryption channel, the encryption and decryption module enables the online addressing module to forward the transaction message on the other encryption channel by at least one encryption protocol and receive an authorization message from a bank server, the authorization message is encrypted and stored in the information storage module in contrast to the cargo state information, and the online addressing module transmits a cargo arrival confirmation message to the logistics information server.

2. The information processing system of claim 1, wherein: the first control module executes information transmission interface server software to communicate with at least one bank server.

3. The information processing system of claim 1, wherein: the mobile terminal device includes:

an information input module;

a wireless transmission module;

a storage module;

a display module;

a bar code reading module; and

the second control module is connected with the information input module, the wireless transmission module, the storage module, the display module and the bar code reading module and controls the information input module, the wireless transmission module, the storage module, the display module and the bar code reading module.

4. The information processing system of claim 3, wherein: the system also comprises a sign printing device for receiving at least one piece of printing data wirelessly transmitted by the mobile terminal device.

5. The information processing system of claim 1, wherein: the encryption channels are any combination of wireless networks, virtual private networks and wired networks.

6. The information processing system of claim 1, wherein: the encrypted channels are via at least one set of fixed IPs.

7. The information processing system of claim 1, wherein: the encryption protocol is an SSL (secure sockets layer) security protocol, a 3D (three-dimensional) security protocol or an SPA (secure spanning Tree) security protocol.

8. The information processing system of claim 1, wherein: the transaction information includes any combination of a credit card number, a credit card expiration date, a payment amount, a set of security numbers, and a set of passwords.

9. The information processing system of claim 1, wherein: the information storage module stores at least one record file for recording the received goods state information, and the record file comprises a sending date and a goods number.

10. The information processing system of claim 1, wherein: and the logistics information server updates the corresponding cargo state information according to the arrival confirmation information.

11. The information processing system of claim 1, wherein: when the information processing station enables the mobile terminal device to establish a communication link with at least one bank server, the mobile terminal device communicates with the bank server through a browser operating system.

12. A goods-to-card swiping method is characterized in that: comprises the following steps:

receiving and storing at least one cargo state information from at least one logistics information server;

receiving at least one transaction message from one encryption channel and forwarding the transaction message on another encryption channel by using at least one encryption protocol;

requesting authorization from a bank server;

when receiving an authorization message, encrypting the authorization message and storing the authorization message in comparison with the cargo state information; and

transmitting an arrival confirmation message to the logistics information server.

13. The method of claim 12, wherein: the encryption channels are any combination of wireless networks, virtual private networks and wired networks.

14. The method of claim 12, wherein: the encrypted channels are via at least one set of fixed IPs.

15. The method of claim 12, wherein: the encryption protocol is an SSL (secure sockets layer) security protocol, a 3D (three-dimensional) security protocol or an SPA (secure spanning Tree) security protocol.

16. The method of claim 12, wherein: further comprising the step of: executing a message transmission interface server software to communicate with at least one bank server.

17. The method of claim 12, wherein: further comprising the step of: and transmitting the authorization information to a mobile terminal device.

18. The method of claim 12, wherein: the transaction information includes any combination of a credit card number, a credit card expiration date, a payment amount, a set of passwords, and a product number.

19. The method of claim 12, wherein: the cargo state information includes a delivery date and a cargo number.

20. An information processing station, characterized by: the method comprises the following steps:

at least one logistics information server for storing a plurality of cargo state information; and

at least one cash flow information server for receiving and storing at least one cargo state information from the logistics information server, the cash flow information server comprising:

a connection address conversion module;

an information storage module;

an encryption and decryption module; and

the first control module is connected with the connecting line address conversion module, the information storage module and the encryption and decryption module and controls the operation of each module connected with the first control module;

the online addressing module receives at least one transaction message from one encryption channel, the encryption and decryption module enables the online addressing module to forward the transaction message on the other encryption channel by at least one encryption protocol and receive an authorization message from a bank server, the authorization message is encrypted and stored in the information storage module in contrast to the cargo state information, and the online addressing module transmits a cargo arrival confirmation message to the logistics information server.

21. The information processing station of claim 20, wherein: the cash flow information server periodically counts the authorization information in the information storage module and transmits at least one piece of statistical data to an acquiring bank server.