TWI490802B - Trade to handle the power removal to trust a the method and the system that teach believe certification - Google Patents

Description

Method and system for transferring transaction processing rights transfer trust component credit authentication

The invention provides a method and a system for transferring credits of a transaction processing right transfer trust component; the main technical feature is to disclose how the application and the device communicate with each other through the trust component, thereby obtaining the mutual authentication mechanism and application. The processing priority in the online trading behavior, to achieve high reliability, instant resolution of the purpose of the use of authenticity.

The practice of processing information processing is a recursive signal of a single repeated response. So far, the amount of information processing has been increasing, and the multi-dimensional and complex instructions have been used only to meet the needs of the demand through simple calculation methods. However, with the continuous development of hardware technology, the quantum computer of the future laboratory will become the new darling of information processing in the future. However, the interface of information processing computing still stagnate in the execution architecture of the traditional instruction sequence. For example, it is commonly used in the subprogram call, multi-dimensional processing, serial calculus and other methods. Although we all like to get convenience through automation, we still can't fully automate the problem of stylized and overcomplicated associations, just like the calculus of serial programs commonly used in the database. There is still a gap in the acceptance of full automation. In view of this, through a prepaid instant trust management ticketing management mechanism, the effective relationship between the behavior of real-time e-commerce transactions and the effective application of establishing virtual objects in the real world can be effectively utilized to practice fully automated banking. The design concept of trust transfer management.

According to the Taiwan Patent Gazette System, Patent Publication No. 486646 "E-Commerce Trust Management System" invention patent description content (please refer to the first figure), "a device to assist customers in managing their online business The method includes: a trust management server that can maintain and manage the customer business transactions; and a network access device, wherein the client is connected to the trust management server, and the network access device includes an One of the way access devices trusts the system user to conduct a business transaction with a third party on behalf of the customer; wherein the customer can control the business transactions with the third party via the trust management server. In other words, the trust management system program mainly includes the following program steps: Please refer to the first figure. In a typical transaction, a customer can visit any business website (1) including an HTML form. The customer can initiate a trust management system service provider service (2) by using a special URL that links the customer to the trust management system service provider server. The customer types his name and password and the client request is available to the trust management server (3). The trust management system will appear (4). The customer can select a card and the form can be automatically filled in by the trust management system for the customer (5). The HTML form can be transferred from the client's browser to the merchant (6) by using a standard HTTP transport protocol.

Please refer to the second figure, which is a block diagram of the business management object stored in the trust management system representing the customer's business purpose, mainly expressing the customer's view of the trust management server on the bank server at the client browser. The stored information includes: receipt guarantee, deed or credit card, credit card 2 or credit card 3 information for the purpose of instant review of the trust status.

Referring to the above-mentioned first and second diagrams of the trust management system applied to the hotel operator trust embodiment, the consumer's business behavior first through the visited hotel and a group The ID (identification) code issued by the credit card acquiring bank, and the dynamic host verification agreement with the instant trust ticketing system, and the trust management system service is started, after the trust account allows or rejects the request, the system provider will The verification data requested by the customer is provided to the trust management/server of the visiting hotel, and appears in the trust management system. The customer selects a credit card (refer to the second figure), and the trust management system automatically fills in the format for the customer. By using the standard transmission protocol, it is transmitted from the client's browser to the trust management server; however, the above-mentioned lack of use is that the customer can only view the browser and cannot achieve the purpose of real-time order-issuing trust management. Implementation, this concept is the problem that the inventor of the present invention wants to solve.

An object of the present invention is to provide an instant data verification processing system for enabling a terminal server in an application master-slave architecture to verify and process specific data, and to negotiate and negotiate through a distributed operating system to form an effective The electronic voucher tag can be used to perform interactive processing in the network of the private domain credit.

Preferably, the device is configured to receive and store a customer message data and a transaction content information, wherein the device of the human interface further comprises: at least one microprocessor controller module, The memory module, an input/output terminal module, a synchronous update register, a network module and a data buffer module are stored in the relevant register by storing the received data in the storage device. Then, the parameter information transmitted from the information server of the network module is received, and the operation result of the micro-control controller module is outputted to the output terminal module.

In accordance with the mechanism, the synchronous update register mainly synchronizes the parameter information received from the information server with the customer transaction information, and is converted into an extended markup language (XML) in a timely manner under a optimized network transmission condition. ), the information is even more The data confidentiality is increased, and the secure code layer (SSL) and message-digest (MD5) are designed in the data sequence to be used in network transmission to enhance the communication and confidentiality.

The best combination of the input and output terminal modules and one of the peripheral devices is connected. In the present invention, a universal Java/extended financial service library (J/XFS; Global Java/extended financial service library) is used as a standard universal interface program. More humane and intelligent and easy to combine with the surrounding.

Another object of the present invention is to provide a paperless, wireless transmission transaction combined with trust verification service mechanism processing system, which is transmitted under the TCP/IP standard communication protocol (such as combining WireLess, FDDI, RS232/USB, RFID). , Mobile Phone, Bluetooth, BlackBerry and other communication interface communication), suitable for local area network (Local Lan), Internet (Internet) and business network (Intranet) transaction processing, the processing of the message data segment and provide The server server is formed into a mesh-like dense distribution, which is more convenient and efficient when the next transaction processing is re-updated.

Preferably, it is processed by a Routed Path program, and can be combined with a path selection mechanism of a hardware router to instantly respond to customer content information of neighboring devices or memory in the server. The verification system of the multi-level system can achieve the purpose of synchronously updating the information, and can also achieve the purpose of using the instant feedback verification message.

This chapter mainly describes a method and system for transferring transaction trust rights to trust component credit authentication, so that your review committee can easily and simply understand other features of the present invention. The advantages and advantages and the effects achieved can be more apparent. The present invention will be described in conjunction with the drawings (shown in the third, fifth and sixth figures). The present invention is described in detail below. Computing technology, which mainly combines relevant processing modules, includes: a micro-processing controller module 10, which is mainly used as a voucher verification operation for managing virtual transactions between the virtual client and the credit bank, and can immediately pass through the network. The module 50 exchanges data with other financial institutions, and sends the data exchanged after the voucher exchange to the memory module 20 and the data register module 60 for data mining (Data Minning) comparison; The module 20, the so-called core data repository (DB), works in a manner that disassembles and merges the data into a decentralized file, which is stored in the distributed memory module 20 and transmitted to the In the microprocessor controller module 10, the decomposition of the micro-processing multiplex operation is performed into a plurality of computing work items (Job Project; JP) for multi-virtual platform calculation, and finally the small work item calculation results are recombined. The correct content is stored in the database; an input and output terminal module 30, which provides a gateway for the user to access the Cloud Controller communication, by using a web page or a command line as an operation interface, and cluster control The cluster controller exchanges communication and scheduling control of the mutual nodes, that is, forms a virtual machine interface transmission with each node; a synchronous update register 40, and the synchronous update register 40 transmits the virtual machine Establish a credit transaction model to mine potential, clear and useful information in its memory module 20, which mainly includes communication protocols for instant establishment, evaluation and credit transaction models; A network module 50, which refers to a network communication protocol access technology, through the connection with the router and the switch for information transmission, the main structure is the bottom layer of the node controller (node controller), as a cluster A control component that communicates between the Cluster Controller and the Trusted Controller, that is, allows the user to simulate generating a virtual machine and is also responsible for controlling the virtual machine; a data buffer module 60 receives the network from the network. The pre-computation result generated by the virtual machine derived from the module 50 is sent to the microprocessor controller module 10 and the memory module 20 for storage; by integrating the communication connection and information transmission of the control module, In order to achieve immediacy, from the data flow of a very large number of online e-commerce transactions, look for the zero-risk credit analysis, the potential use of data mining (Data Minning).

Please refer to the fourth figure, which reveals the operation process of the processing module of the present invention as follows: 1. Clicking on the client terminal (terminal) man-machine interface to select products, number of sheets and additional stored value. The discount option is outlined; 2. The application software converts the amount of the consumption into a parameter and transmits it to a hardware interface; 3. by means of a peripheral card reader that pivots the hardware interface, such as The device such as the credit card machine and the Wifare host receives the signal of the user swiping or sensing, and waits for an authorization code to be obtained from the acquiring bank. 4. In the process, the present invention applies an entrusted institution, the acquiring bank and the designated trust bank. The credit collection mechanism, when the acquiring bank receives an authorization code request from the credit card device, simultaneously converts the amount parameter required for the credit card into a valued ticket for remittance to the trust bank. Depositing the hoarding and re-invoicing the amount to the trust bank, returning to the card-sending device the reply signal that the acquiring bank successfully granted the transaction authorization; 5. After the card-swapping device completes a client transaction, the card-swapping device The internal connection program also immediately returns a swipe card success message to the client (terminal) of the ticket; 6. The server (server) of the ticket is connected through the network, and the sensor starts to receive the client from the ticket. The terminal (terminal) requests the ticket information, the serial number and the bar code, and responds to the approval of the printing of the ticket machine in a timely manner, just as the customer has successfully swiped the card, and the order ticket is accompanied by the card. Recording the instant print presentation, such a process completes the printing mechanism for the entire instant ticket output.

The basic process of the present invention can be further applied to a network instant card application: in which the physical application of the physical card swiping device is exempted, that is, the card swiping device is replaced with an internet platform, and the authorization of the trusted trust bank is obtained on the instant online. Among them, the application transfers the online credit card transaction amount directly from the receipt to the trust account, and immediately replaces it into the online e-commerce processing mode such as online shopping and transaction. (Please refer to the illustrations disclosed in Figure 7)

According to a preferred embodiment of the present invention, the client terminal (terminal) is replaced with an ATM system, and the customer transaction message is transferred into the designated trust account by the transfer method, and the pricing parameter is given to the consideration bank, and the transaction is simultaneously opened. The credit grant of the amount is given to the equivalent license, and the application extension can include: transaction processing such as network ATM, physical ATM, counter and credit card machine.

In the above application examples, the role of the relative rights holders in the concept of trust is mainly divided into:

1. The e-commerce provider platform is the entrusting party. The consumer users transfer the consumption funds to their acquiring banks through the online transaction mode, and after the acquiring banks receive their transaction records, they also approve a processing amount to enter a trust. In the bank's designated account, the trust bank then transfers the amount to the original e-commerce provider account. Among them, the acquiring bank and the trust bank deduct the processing fee and the contractual transaction fee in the transaction process, and their role is equivalent to a trustee. After deducting the surplus, the money is transferred back to the original entrusting party (e-commerce) Provider), which constitutes the trading model of the entire self-benefit trust. For the practical application of the current trust regulations, the adoption of such an e-commerce transaction model is a pioneer, and its progress is not much to say.

2. In the above example, the general service providers want to provide a service platform to the consumer users. Since there is no e-commerce information platform available for service, they are entrusted to lease through the platform service providers provided by the present invention. The transaction mode in the middle and the use of the consumer's real-time interactive transaction behavior, wherein the general service provider can be regarded as a principal, the e-commerce platform provider can be regarded as a trustee, under the entire transaction mode, the principal and The trustee forms a credit contract act, which constitutes a nest of the trustee for the overall negotiation. Regardless of the physical or virtual transactions in the form of e-commerce transactions, the legal application of the combination of regulations, resulting in a contractual agreement between consumers, service providers and banks to form a mutual trust and stability, is virtually a highly reliable transaction guarantee.

It is concluded that the above-mentioned insurance implementation of the present invention in combination with the trust specification can be verified in an embodiment: between the acquiring bank and the e-commerce provider, by the mechanism of the present invention, a front end of different acquiring banks can be constructed in advance. The virtual machine, in the virtual machine controller module 10, through the synchronization update register 40 and the network module 50 and the trust bank interface and communication, can eliminate the interruption and congestion of the acquiring bank line The transaction record can not be transmitted to the trust bank in real time. In the present invention, each of the data register module 60 and the memory module 20 in the virtual machine has the function of intelligent storage and memory, and can immediately collect errors in the transaction or The interception of the hazard message may be generated by a third party (such as commissioned courier delivery, super-commercial receipt of the ticket and consumer, etc.) by the operator, the consumer and the acquiring bank. It is sent back to the microprocessor controller module 10 via the network module 50 for discriminating, and a ticket is sent to use the verification process that the consumer returns or the service provider has used. Further more effectively protect the responsibility protection of each role in the network platform transaction.

In another preferred embodiment of the present invention, the client terminal (terminal) is replaced with a transfer remittance, wherein the customer transaction message is transferred to the designated trust account, the pricing bank is given an authorization parameter, and the credit core of the transaction amount is simultaneously opened. Dial the equivalent authorization to save back.

According to still another preferred embodiment of the present invention, the client terminal (terminal) is replaced with a private financial card (Privacy Creadit), and the customer transaction message is transferred to the designated trust account according to the financial card through the credit card machine or the online transaction platform. The evaluation bank gives the authorization parameters, and at the same time, the credit authorization for opening the transaction amount is given to the equivalent authorization, and the application extension can further include: electronic wallet, business certificate, leisure card, membership card and other transaction processing.

The following are the implementation methods of the current application, which can be classified into the following types:

1. Online transaction money is entered into the trust account, and the goods are delivered and signed (for example: black X house X-hand palm PDA signing device); funded by the trust bank, or after the seven-day appreciation period after the goods arrive.

Second, the travel agency 0P enters the billing list, in which the payment signed by the travel agency after the transfer is first entered into the trust account, and the trust bank assigns funds to the airline, so there is no need to limit the binding period of the billing list, which can greatly buffer the travel agency to accommodate passengers. The rushing effect.

Third, travel agencies on behalf of the group fee, chartered car, meal and accommodation costs, through trust bank custody and unified funding.

4. The pre-sale house signing the advanced trust bank for payment, just like the court notary or the district public security supervision, after the buyer sells the contract, the payment of the house payment is delivered by the trust bank to the client's account.

5. Life contract, online game card stored value transfer to trust credit verification transaction processing.

In summary, a prepaid instant trust ticket issuing management system service control method utilizes the technical feature that the consumer visits the address of any hotel e-commerce website, and sends the transaction amount to the acquiring bank by the credit card machine. In the case that the hotel e-commerce system waits for the account to be credited after the card is swiped, the ticket of the ticket issuing management system can be printed out immediately and presented to the consumer browser or delivered to the consumer; After the consumer has swiped the card, the acquiring bank will immediately transfer the credit card entry parameter to the ticket issuing and ticketing management system and transfer it to the designated trust account; and at the trust bank end, the manufacturer will pass the audit ticket product according to the management ticket system. Transaction details, agree to approve the transaction amount in the trust account and complete the transaction amount The system provider payment program, which specifies the unique identification attribute code (ID) of each transaction, and each identification attribute code (ID) mainly includes: the consumer signs the network address (IP), the transaction time, and the server response. The verification code and processing time are formed and a registration identification attribute code (PID) is formed, and a trust management service request is completed through the processing, storage, analysis and mining of the mesh serial server. The following is an example of an application of the present invention. Please refer to the seventh embodiment. Referring to the seventh figure, the instant trust ticketing system is the core, and the core supply chain is surrounded by the system vendor (mainly maintained). The supplier of the instant trust ticketing system), the hotel providing the service or the business of the travel, the acquiring bank (the banker providing the credit card machine), the trust bank (the trust custodian bank that can accept the service card service); When a consumer conducts an electronic transaction in one of the hotels providing services or the business of the travel (herein referred to as the A store), the credit card provided by the credit card bank in the A store is connected to the system provider through the network. In the instant trust ticketing system, when the consumer purchases the merchandise by swiping the card, the electronic money paid by the consumer will be transferred in advance by the trust bank. After the trust bank deducts the trust fee, it will transfer the pre-acceptance amount. Pay to the system vendor and the A store account, and immediately respond to the order in the trust ticketing system, and print the result of the transaction to the consumer. I know that the traditional trading mode, after the A store must wait for the pre-income account of the credit card bank, after confirming the deduction of the handling fee, it will allocate funds to the A store, and then the unaccounted amount accumulated by the A store during this period is true. Form a significant cost burden. In view of this, the market mechanism has always been led by banks. If we want to eliminate such troubles and at the same time obtain inter-bank support, the mechanism used in the present invention is to use the intermediaries system through the trust principle of generating trust between banks. The trust management ticketing system is built to integrate the trust mechanism between the behavior users, so as to smoothly implement the purpose of each other. At the same time, the profit of the reward is obtained, and it is the idea that the invention is finally to be practiced.

The detailed description of the present invention is not intended to limit the scope of the present invention, and the equivalents and modifications of the present invention should be included in the present invention. In the scope of patents. In order to make the present invention more expressive and practical, a comparative analysis is used as follows:

Absent use

1. Single-sequence interactive message communication mechanism, the flexibility is slightly slow for the process of repetitive and multiplexed threads.

2. The application of the cross-platform mechanism needs to be re-customized and designed without the scale of automation.

Advantages of the invention

1. Flexible and flexible for all kinds of work platforms, the network is distributed between modules, with intelligent division of functions of memory, backup, independent calculation and execution.

2, across various types of network platform applications, is a completely independent thread of the nano-level processing module, does not require special customized design, with the economic scale of mass production.

In summary, the present invention has achieved the desired effect under the prior art structure, and is not familiar to those skilled in the art. Further, the present invention has not been disclosed before the application, and it has The progress and practicality have been met with the application requirements of the invention patent. If you apply in accordance with the law, you are requested to approve the application for the invention patent to encourage the invention.

10‧‧‧Microprocessor Controller Module

20‧‧‧Memory Module

30‧‧‧Input and output terminal module

40‧‧‧Synchronous update register

50‧‧‧Network Module

60‧‧‧data register module

Simple illustration

The first figure is a flow chart of the trust management system processing of one of the patents No. 486646.

The second figure is a block diagram of a transaction management system storing business objects representing a customer's business purpose.

The third figure is a system architecture diagram of the related modules of the present invention.

The fourth figure is a logic diagram of the operation flow between related modules of the present invention.

The fifth figure is a schematic diagram of the architecture of the parallel architecture of the cloud architecture of the present invention.

The sixth figure is an organizational diagram of the cloud component of the present invention.

The seventh drawing is a schematic diagram of an application embodiment of the present invention.

10. . . Microprocessor controller module

20. . . Memory module

30. . . Output terminal module

40. . . Synchronous update register

50. . . Network module

60. . . Data register module

Claims (3)

A transaction processing right transfer trust component credit authentication system, which is through a cloud computing technology, mainly combined with relevant processing modules, including: a micro processing controller module, which is mainly used as a management virtual client and The voucher bank is engaged in the voucher verification operation procedure of e-commerce transactions with each other, and can exchange data with other financial institutions through the network module, and return the data stored in the voucher to the memory module and the data buffer module. In the group, data minning is compared; a memory module, the so-called core data repository (DB), works in a way that disassembles and merges the data into decentralized files. The data is stored in the distributed memory module, and is transferred to the microprocessor controller module, and is decomposed into a plurality of computing work items (JP) for multi-virtual platform calculation through the micro-processing multiplex operation, and finally is small. The work item calculation results are recombined into the correct content and stored in the database; an input and output terminal module provides the user access to the access cloud resource component ( The Cloud Controller) communication gate exchanges communication and scheduling control with each other through the use of a web page or a command line as an operation interface, that is, a virtual machine is formed between each node. a synchronous update register, the synchronous update register establishes a credit transaction model with the virtual machine, and mines potential, clear and useful information in the memory module, and the process mainly includes instant establishment. , evaluation and credit transaction model communication protocol; a network module, which refers to the use of network protocol access technology, through the connection with routers and switches for information transmission, the main structure is the node-side controller The lowest level of the (Node Controller), as a control component that communicates with the Cluster Controller and the Trusted Controller, that is, the user simulates the generation of a virtual machine and is also responsible for controlling the virtual machine; The register module receives the pre-computation result generated by the virtual machine derived from the network module, and sends the same to the microprocessor controller module and the memory module for storage. The method and system for transferring a transaction processing right transfer trust component credit authentication as described in claim 1 of the patent scope, the voucher verification operation program may further comprise the following credit verification mechanism: specifying a unique identification attribute code (ID) of each transaction, Each of the identification attribute codes (ID) mainly includes: the consumer signs the network address (IP), the transaction time, the server response verification code, the processing time, and forms a registration identification attribute code (PID), which is connected through the mesh. The server handles, stores, analyzes the mining and the affiliate server to complete a trust management service request. For example, the system for transferring the transaction processing right transfer trust component credit authentication described in claim 1 of the patent scope can generate more than one verification third party between the system and the operator, the consumer and the acquiring bank.