TW201830314A - Electronic payment transaction data processing method via interbank financial whereby payment can be made with cardless transaction - Google Patents

Abstract

The present invention provides an electronic payment transaction data processing method via an interbank financial platform, which comprises the steps of connecting an user device to an electronic payment institute system for selecting a payment method to generate transaction information, and connecting to an agent bank system to transmit the user's financial card information and transaction information; forwarding financial card information, institute information, transaction information and agent bank information by the agent bank system to a card issuing bank system through the interbank financial platform; verifying the financial card information by the card issuing bank system to generate a transaction result, and storing the institute information and the agent bank information according to the transaction result; transmitting the transaction result back to the agent bank system via the interbank financial platform, and then determining by the agent bank system whether or not the financial card information is transmitted back to the electronic payment institute. Through the present invention, the user can complete an interbank account recharge transaction, a real transaction payment, and an agree-to-link deposit account via the interbank financial platform by using the financial card through the electronic payment institute. Upon completion of the agree-to-link deposit account, payment can be made in a manner of cardless transaction.

Description

Electronic payment transaction data processing method via interbank financial platform

The invention provides a data processing method, in particular, an electronic payment institution, an interbank financial platform and a data processing method between banks.

In recent years, although the Internet and e-commerce transactions have become more frequent, there are still some cases where the buyers and sellers lack the basis of trust, which is easy to generate disputes over transactions and subsequent payments and purchases. In view of this, electronic payment (ie, third-party payment) institutions The trading mechanism, platform and the special laws implemented by government agencies have emerged. In detail, the buyer will transfer the money to the electronic payment platform provider through credit card, bank account transfer, etc., and the buyer will confirm the receipt of the seller. After the goods, the electronic payment platform operator will pay the money to the seller.

Through the aforementioned transaction method, the electronic payment platform provider assists the fair and impartial third-party fund custodian to avoid the doubts of the buyer and seller in the transaction process. In addition, the electronic payment platform can assist the user to open an electronic payment account. In addition to eliminating the inconvenience of users opening a financial account with a number of banks, it is also closer to the user's need for small payment. In order to supervise the operation and establishment of the electronic payment platform operators, on May 3, 2015, the Executive Yuan approved the issuance of the “Electronic Payments Agency Management Regulations” and related authorization regulations to assist in the payment and security of electronic payment transactions. And a convenient payment environment.

The current electronic payment institution only provides users with electronic payment account balances, credit cards and financial cards issued by cooperative banks directly connected with electronic payment institutions for payment transactions. If cross-bank payment transactions for financial cards are required, they must still be transferred through general transfer operations. To achieve this, however, there are a large number of issuing banks for existing financial cards, and a small number of banks are connected to electronic payment institutions. This is inconsistent with the needs of the general public to facilitate the use of various financial cards, and the future market trend based on mobile payment development should be actively developed. The innovative form of payment for card transactions.

In summary, in order to overcome the inability of the electronic payment institution and various financial institutions to fully link, the invention of this patent application proposes a new mode for the data processing method of inter-bank electronic payment transactions, so as to increase the user's multi-payment method. And through the connectivity of the interbank financial platform system, the timeliness, integrity and security of inter-bank transactions are enhanced to reduce transaction disputes. At the same time, through electronic payment institutions and correspondent banks, users can bind financial accounts to deposit accounts for Card payment transactions greatly improve the convenience of using electronic payment.

The main object of the present invention is that when an electronic payment institution provides a service involving inter-bank financial transfer, the user can complete services such as substantial transaction payment, stored value transaction, and agreed connection account deposit.

To achieve the above objective, the present invention provides an electronic transaction data processing method via an interbank financial platform, the steps comprising: the user device connecting the electronic payment system to select a payment method; the electronic payment system generating the transaction information according to the selected payment method; the user device connection a line agent system to transmit the user's financial card information, the agent line system has agent information; the agent line system connects the electronic payment system to accept transaction information, and at the same time generates agency information corresponding to the electronic payment system; The connection is via the interbank financial platform to transmit financial card information, institutional information, transaction information and agent information to the issuing bank system; the issuing bank system verifies the financial card information to generate the transaction results, and conducts the agency information and agency information according to the transaction results. The completed transaction result is transmitted back to the correspondent bank system through the inter-bank financial transaction platform, and the agent bank system determines whether to return the electronic payment institution for the financial card information for storage according to the transaction result, thereby completing the electronic payment institution and Agreement between user devices The final step in binding knot of deposit account services.

Another object of the present invention is that when an electronic payment institution provides a service involving financial inter-bank transfers, the user can complete the transaction in the form of a cardless transaction.

To achieve the above objective, the present invention further provides an electronic transaction data processing method via an interbank financial platform, the step comprising the user device connecting the electronic payment system to select a payment method, the electronic payment system storing the financial card information; and the electronic payment system according to the selection Payment method to generate transaction information; the agent bank system connects the electronic payment system to obtain transaction information and financial card information, and transmits financial card information, agency information, transaction information and agency information to the issuing bank system via the interbank financial platform; The issuing bank system verifies the institutional information, the agent information and the financial card information to generate the transaction result; finally, the completed transaction result is transmitted back to the electronic payment system through the inter-bank financial transaction platform and the agent bank system.

The improvement proposed by the present invention for the data processing method involving the inter-bank financial platform not only facilitates the liquidation involving the inter-bank transfer business between different types of units, but also effectively improves the timeliness, integrity and security of the transaction. Reducing transaction disputes, in addition, by means of financial card binding electronic payment institutions and inter-bank financial platform models, allowing users to carry out card-free transactions, in order to improve the convenience of using electronic payments.

Please refer to the first figure. The first figure is a block diagram of the present invention, which illustrates a plurality of different properties of the user device 100, the electronic payment system 104, the agent line system 106, the interbank financial platform 108, and the issuer system 110. Data transfer relationship between systems. First, the user device 100 is connected to the electronic payment system 104 and the agent line system 106. The user device 100 refers to an electronic device having a remote connection function, such as a traditional desktop computer, a smart phone, or the like. Equipment, and most importantly, the above electronic device can obtain financial card account information through a device such as a chip reader, and the chip reader is readable and writable ISO-7816-1, 2, 3, 4 T=0 and T =1 Protocol smart card, preferably, in addition to the plug-in chip reader, the chip reader can also be a contact/contactless chip reader, which conforms to the international card organization standard ISO 14443 Type A Mainstream technology of /B, for example, using NFC (Near Field Communication). The electronic payment system 104 is erected by a unit that complies with the "Electronic Payment Agency Management Regulations", and is usually presented in the form of a network platform for the user to connect and conduct electronic transactions.

The electronic payment system 104 and the correspondent banking system 106 are interconnected to transmit information. It is worth mentioning that according to the relevant regulations of the "Electronic Payments Authority Management Ordinance", the units that set up the electronic payment system can be classified into "franchised electronic payment institutions" and "Concurrent electronic payment institution" (banker), franchised electronic payment institution means that the electronic payment system 104 is set up by the electronic payment institution, and a special deposit account is opened in the agent bank system 106 to open the electronic payment account for each user. Electronic payment of deposit funds, while concurrently operating electronic payment institutions means that the agent bank establishes its own electronic payment system 104 and provides users with services such as opening an electronic payment account as an electronic payment institution. In the mode of the payment institution, the electronic payment system 104 may be incorporated into the agent line system 106.

The interbank financial platform 108 connects the agent line system 106 and the issuer system 110 to transmit messages, and the issuer system 110 is built by a bank that provides user financial card issuance services. The present invention is particularly directed to the agent line system 106 and card issuance. When the line system 110 is different (for example, the agent line system 106 is set up by Yushan Bank and the issuer system 110 is set up by the first bank), the transmission of the message is transmitted through the interbank financial platform 108, which is called inter-bank transaction in practice.

Next, the various electronic transaction aspects based on the above architecture are described. First, the contracted deposit account is described. Please refer to the first figure and the second figure. The second figure is an electronic payment transaction for the present invention, especially when the deposit account is agreed upon. , the flow chart of data transmission.

First, in step S200, the user connects the electronic payment system 104 built by the electronic payment institution via the user device 100, such as: Le Dok Action Payment, Ou Fubao, Pchome Group International Union, or concurrent electronic payment institution. The system platform is configured for the user to apply for opening an electronic payment account; at the same time, the user selects one of the plurality of payment methods in the electronic payment system 104, and the payment method can be a financial card substantive transaction payment, an electronic payment account. The stored value transaction, the agreed connection deposit account or the no card transaction, this embodiment specifically describes an example of the agreed connection deposit account, so in this step the user selects the agreement to link the deposit account.

Then, as described in step S202, the electronic payment system 104 generates a transaction information corresponding to the payment method according to the payment method selected by the user.

As described in step S204, the electronic payment system 104 directs or prompts the user device 100 to connect to the correspondent line system 106 for input of financial card information. For example, the electronic payment system 104 confirms the payment of the user device 100. After the mode, the electronic payment system 104 directs the user device 100 to the external page provided by the agent line system 106. At this time, the user inserts the financial card into the chip reader connected to the user device 100 to read the financial The chip information of the card is followed by the user typing the financial card personal password for transaction verification. After the verification is correct, the user device 100 transmits the financial card information of the agent line system 106 (ie, the information of the financial card account). Next, proceeding to step S206, after the agent line system 106 connects the electronic payment system 104 and obtains the transaction information therefrom, the agent line system 106 generates a mechanism information corresponding to the electronic payment system 104. The organization information may specifically distinguish different electronic The code of the payment institution and its commission rate. In addition, the agent bank system 106 has agent information, and the agent bank information may include a code identifying different banks and a bank fee rate of each bank.

In step S208, the agent line system 106 forwards the financial card information, the agency information, the agent information and the transaction information via the connected interbank financial platform 108 to the issuer system 110 that accepts the financial card information for transaction verification.

It should be noted that, in steps S210 to S216, after receiving the financial card information, transaction information, agency information, and agent information transmitted by the interbank financial platform 108, the issuing bank system 110 performs transaction verification for the financial card information to generate a transaction result. The organization information and the agent information are stored in the financial card account to complete the service of the agreed deposit account. The transaction verification is specifically performed. In step S210, the issuing bank system 110 confirms the correctness of the financial card information, for example, whether the account information of the financial card is incorrect. When the financial card information is an error, the issuing bank system 110 Directly proceeding to step S214, a transaction result of the financial card data error is generated, and transmitted to the agent line system 106 via the interbank financial platform 108 in step S216; when the financial card data is correct, the issuing bank system 110 proceeds to step S212, and the issuing bank system 110 storing the organization information and the agent information to bind to the financial card account. After completing the foregoing steps, the method proceeds to step S214 to generate a transaction result of the financial card data correctly, and in step S216, the issuing bank system 110 returns the transaction result. Via the interbank financial platform 108 to the agent line system 106. In step S218, the agent line system 106 can determine whether the verification result of the financial card information by the issuing bank system 110 is correct according to the transaction result, and accordingly decide whether to store the financial card information, specifically, when the transaction result is displayed as an error. Then, the process proceeds to S220, and the agent line system 106 only returns the transaction result of the electronic payment system 104 as a notification; when the transaction result is displayed as correct, the process proceeds to S222, and the agent bank system 106 returns the transaction result and the financial card information of the electronic payment system 104. The electronic payment system 104 stores the financial card information for binding to the user account.

Preferably, when the user selects another payment method, such as a substantial transaction payment or a stored value transaction, via the user device 100 in step S200, the subsequent steps are as shown in steps S202 to S216, except that step S218 to step is omitted. S222, that is, the agent line system 106 does not further determine whether to return the electronic payment system 104 financial card information.

Next, the flow chart of data transmission when the consumer engages in the cardless transaction after the binding of the agreed deposit account is completed is explained. Please refer to the first figure and the third figure. It should be noted that due to the second and third figures The difference is only a part of the steps, so the following only describes the differences.

First, since the consumer has completed the appointment connection deposit account in the electronic payment system 104, in step S300, when the user connects the electronic payment system 104 via the user device 100, the cardless transaction is selected in the transaction service. In step 302, the electronic payment system 104 generates transaction information corresponding to the cardless transaction service. It is worth mentioning that the user device 100 does not need to provide the financial card information by the connection agent system 106.

It should be noted, however, that in step S306, the agent line system 106 connects the electronic payment system 104 to obtain transaction information, and the electronic payment system 104 further transmits the financial card information to the agent bank system 106. In detail, the financial card The information is that when the user device 100 logs into the electronic payment system 104, the electronic payment system 104 is based on the information corresponding to the user account, such as the electronic payment member information registered by the user on the electronic payment system 104 and its electronic account information. , corresponding to the financial card information applied to the payment.

Step S308 is the same as step S208 of the second figure, and therefore is not redundant here.

After the issuing bank system 110 successfully receives the transaction information, the financial card information, the organization information, and the agent information, then in step S310, the issuing bank system 110 verifies the correctness of the financial card information, and simultaneously verifies the received institution information and the agent. Whether the information is the same as the institution information and the agent information corresponding to the financial card information in the issuing bank system 110, and the transaction result is generated according to the comparison result. Finally, in step S312, the issuing bank system 110 returns the transaction result. The notification is completed in sequence via the interbank financial platform 108, the correspondent line system 106, and the electronic payment system 104.

In summary, the present invention proposes a new mode for data processing methods for inter-bank electronic payment transactions, thereby increasing the multi-payment method for users and improving the timeliness, integrity and security of inter-bank transactions through the interconnection of interbank financial platform systems. Sexuality, in order to reduce transaction disputes; at the same time, through the electronic payment institution and the correspondent bank, the user can bind the deposit account to the financial card to conduct cardless payment transactions, greatly improving the convenience of using electronic payment.

100‧‧‧User device

104‧‧‧Electronic payment system

106‧‧‧Accounting system

108‧‧‧Inter-bank financial platform

110‧‧‧ Issuer System

The first figure is a block diagram of the present invention for transferring data between an electronic payment system, an interbank financial platform, and a bank.

The second figure is a flow chart of the data transmission in the implementation of the electronic payment transaction, in particular, the appointment of a deposit account.

The third figure is a flow chart of data transmission when the present invention implements cardless transaction.

Claims (9)

An electronic payment transaction data processing method via an interbank financial platform, the steps comprising: a user device connecting an electronic payment system to select a payment method; according to the payment method, the electronic payment system generates a transaction information; the user device connection agent The banking system transmits a financial card information, the agent banking system is provided with an agent information; the agent banking system connects the electronic payment system to accept the transaction information, and generates a pair of institutional information that should be an electronic payment system; The system transmits the transaction information, the institution information, the agent information and the financial card information to the issuing bank system via the interbank financial platform; and the card issuing system verifies the financial card information to obtain a transaction result, and stores according to the transaction result The agency information and the agency information. The electronic payment transaction data processing method according to claim 1, wherein after the card issuing system verifies the financial card information, the issuing bank system returns the transaction result sequentially via the interbank financial platform To the agent line system. The method for processing an electronic payment transaction data via the interbank financial platform according to claim 2, wherein the card issuing system returns the transaction result sequentially to the agent banking system via the step of the transaction, according to the transaction result, The agent bank system determines whether to return the financial card information of the electronic payment system. The method for processing electronic payment transaction data via an interbank financial platform as claimed in claim 1, wherein the institution information includes an institution code and an agency fee rate. The method for processing an electronic payment transaction data via an interbank financial platform according to claim 1, wherein the agent information includes a bank code and a bank transaction rate. An electronic payment transaction data processing method via an interbank financial platform, the method comprising: the user device connecting an electronic payment system to select a payment method, wherein the electronic payment system stores a financial card information; according to the payment method, the electronic payment system generates a transaction information; the agent line system connects the electronic payment system to accept the transaction information and the financial card information, and generates a pair of agency information that should be an electronic information system, wherein the agent bank system has an agent information; The system transmits the transaction information, the agency information, the agency information and the financial card information via the interbank financial platform to the issuer system; and the issuer system verifies the institution information, the agent information and the financial card information to generate a Transaction results. The method for processing an electronic payment transaction data via an interbank financial platform according to claim 6, wherein the card issuing bank returns the transaction result of the interbank financial platform after the step of generating the transaction result by the issuing bank system. The method for processing an electronic payment transaction data via an interbank financial platform according to claim 7, wherein the interbank financial platform returns the transaction result of the transaction system after the card issuing system returns the transaction result of the interbank financial platform. To complete the transaction. The method for processing an electronic payment transaction data via an interbank financial platform according to claim 8, wherein the inter-bank financial platform returns the transaction result of the proxy system, and the agent system returns the transaction result of the electronic payment system. .