TWI853275B - Inductive credit card transaction system, method and computer readable medium - Google Patents

Abstract

The invention discloses an inductive credit card transaction system, method and computer readable medium. A near-field communication module of a user's mobile device senses a credit card number of a physical credit card, and the mobile device sends payment request information of the physical credit card a transaction server of an online store. Next, according to a mobile phone number of the user's mobile device and the credit card number in the payment request information of the physical credit card sent by the mobile device, the transaction server of the online store queries a credit card acquiring server or a credit card issuing server for the consistency between the mobile phone number of the user's mobile device and a mobile phone number of a real cardholder of the physical credit card. Then, the transaction server of the online store sends the payment request information of the physical credit card to the credit card acquiring server or the credit card issuing server, so that the credit card acquiring server or the credit card issuing server can conduct the transaction of the physical credit card according to the payment request information.

Description

Inductive credit card transaction system, method and computer-readable medium

The present invention relates to a credit card transaction technology, and more particularly to an inductive credit card transaction system, method and computer-readable medium.

When consumers currently use credit cards to trade or consume goods or services in online stores (such as PChome/momo/Shopee/Taobao/Amazon and other non-physical stores), they usually enter credit card information including the credit card number to pay for the goods or services. This transaction method is generally referred to as "online transaction".

On the other hand, when consumers go to physical stores (such as convenience stores/hypermarkets/department stores, etc.) to use credit cards to trade or consume goods or services, consumers will insert or sense the physical credit card into the payment terminal of the physical store to pay for the goods or services. This transaction is generally called "offline transaction".

Generally speaking, online transactions have more credit card fraud risks than offline transactions, because fraudsters or hackers can obtain credit card information including credit card numbers through many improper channels or theft methods, and then the fraudsters or hackers can enter the credit card information including credit card numbers into the transaction interface of the online store to complete the transaction.

For the purpose of transaction security, in current online transactions, after consumers have completed entering credit card information including the credit card number, the credit card issuing bank must also send a one-time password (OTP) SMS to the mobile device of the mobile phone number registered by the real cardholder of the credit card. The consumer is required to enter the one-time password (OTP) through the mobile device of the mobile phone number registered by the real cardholder, so that the credit card issuing bank can verify the consistency between the consumer of the credit card (such as the actual cardholder) and the real cardholder.

Therefore, the SMS authentication of the one-time password (OTP) can prevent fraudsters or hackers from obtaining credit card information including the credit card number and then conducting fraudulent credit card transactions on online stores. However, in recent years, fraudsters or hackers have been able to use Trojans to intercept the SMS of the one-time password (OTP), so that the above-mentioned one-time password (OTP) authentication can be successfully completed, resulting in the current online transaction security being regarded as an unsafe transaction method or transaction behavior.

Therefore, how to provide an innovative credit card transaction technology to solve any of the above problems or provide related functions/services has become a major research topic for technical personnel in this field.

The present invention provides an innovative inductive credit card transaction system, method and computer-readable medium, which can be used by users (such as consumers) to automatically sense the credit card data of a physical credit card using a near field communication (NFC) module of a mobile device to reduce input error rate and save time, or take advantage of the fact that offline transactions have less credit card fraud risk than online transactions, Physical credit cards used in offline transactions are paired with consumers' mobile devices to conduct online transactions in online stores, or telecommunications networks are added as identity verification between consumers and real cardholders of physical credit cards to ensure the security of the transaction process of physical credit cards, or consumers who can use physical credit cards for inductive transactions are confirmed to be real cardholders based on the mobile phone number of the mobile device.

The inductive credit card transaction system of the present invention comprises: a user's mobile device, which has a near field communication module to sense the credit card data of a physical credit card provided by the user, and the credit card data includes the credit card number of the physical credit card sensed by the near field communication module of the mobile device; a transaction server of an online store, which is interconnected or communicated with the user's mobile device, so that the user's mobile device sends payment request information of the physical credit card to the transaction server of the online store, and the payment request information includes the transaction amount of the physical credit card provided by the user in the online store and the credit card number of the physical credit card sensed by the near field communication module of the mobile device; and at least one of a credit card acquiring server and a credit card issuing server, which is interconnected with the transaction server of the online store. Connection or communication, so that the transaction server of the online store inquires at least one of the credit card acquiring server and the credit card issuing server whether the mobile phone number of the user's mobile device and the mobile phone number of the real cardholder of the physical credit card are consistent according to the mobile phone number of the user's mobile device and the payment request information sent by the user's mobile device. If the two are consistent, the transaction server of the online store will send the payment request information including the transaction amount and credit card number of the physical credit card to the credit card acquiring server or the credit card issuing server, so that the credit card acquiring server or the credit card issuing server can conduct the transaction of the physical credit card according to the payment request information including the transaction amount and credit card number of the physical credit card.

The inductive credit card transaction method of the present invention comprises: a near field communication module of a user's mobile device senses the credit card data of a physical credit card provided by the user, and the credit card data includes the credit card number of the physical credit card sensed by the near field communication module of the mobile device; the user's mobile device sends payment request information of the physical credit card to a transaction server of an online store, and the payment request information includes the transaction amount of the physical credit card provided by the user in the online store and the credit card number of the physical credit card sensed by the near field communication module of the mobile device; and the transaction server of the online store processes the payment based on the mobile phone number of the user's mobile device and the mobile phone number of the user. The payment request information sent by the device includes the credit card number of the physical credit card sensed by the near field communication module, and queries at least one of a credit card acquiring server and a credit card issuing server to see whether the mobile phone number of the user's mobile device is consistent with the mobile phone number of the real cardholder of the physical credit card. If the two are consistent, the transaction server of the online store will send the payment request information including the transaction amount and credit card number of the physical credit card to the credit card acquiring server or the credit card issuing server, so that the credit card acquiring server or the credit card issuing server can conduct the transaction of the physical credit card according to the payment request information including the transaction amount and credit card number of the physical credit card.

The computer-readable medium of the present invention is applied to a computing device or a computer and stores instructions for executing the above-mentioned contactless credit card transaction method.

In order to make the above features and advantages of the present invention more clearly understandable, the following examples are given and detailed descriptions are provided in conjunction with the attached drawings. The following description will partially explain the additional features and advantages of the present invention, and these features and advantages will be partially known from the description or can be learned through the practice of the present invention. It should be understood that both the general description above and the detailed description below are exemplary and explanatory, and are not intended to limit the scope of the present invention.

1: Contactless credit card transaction system

10: Physical credit card

11: Credit card chip

12: Credit card information

20: Mobile devices

21: User Identity Module (SIM) card

22: Near Field Communication (NFC) module

23: Payment application

30: Trading Server

31: Telecommunications network authentication module

32: Credit card verification module

33: Credit card transaction module

40: Mobile phone number query server

41: Identity verification module

42: Telephone credit user database

50: Credit card acquiring unit

51: Credit card acquiring server

60: Credit card issuing unit

61: Credit card issuance server

B: User

C: Online store

D:Telecommunications service unit

N:Telecommunications network

NFC: Near Field Communication

S1 to S9: Steps

Figure 1 is a schematic diagram of the structure of the inductive credit card transaction system of the present invention.

Figure 2 is a schematic diagram of the process of the inductive credit card transaction method of the present invention.

The following describes the implementation of the present invention through a specific concrete implementation form. People familiar with this technology can understand other advantages and effects of the present invention from the content disclosed in this manual, and can also implement or use it through other different specific equivalent implementation forms.

FIG1 is a schematic diagram of the structure of the inductive credit card transaction system 1 of the present invention. As shown in the figure, the inductive credit card transaction system 1 may include a physical credit card 10, a mobile device 20 of a user (such as a consumer) B, a transaction server 30 of at least one (such as multiple) online store C, a mobile phone number query server 40 of at least one (such as multiple) telecommunications service unit D, a credit card acquiring server 51 of at least one (such as multiple) credit card acquiring unit 50, and a credit card issuing server 61 of at least one (such as multiple) credit card issuing unit 60. In addition, the "at least one" mentioned in the present invention represents more than one (such as one, two or more than three), and "multiple" represents more than two (such as two, three, four, five or more than ten).

In one embodiment, the physical credit card 10 is a chip credit card, and has a credit card chip 11 and a credit card data 12. The mobile device 20 of the user B (such as the actual consumer who swipes the physical credit card 10) can use the telecommunications network N provided by the telecommunications service unit D to connect or communicate with the transaction server 30 of the online store C, and the mobile device 20 can have a subscriber identity module (SIM) card 21, a near-field communication (NFC) module 22 and a payment application 23. Network The transaction server 30 of store C can use various networks (such as telecommunication network N/wired network/wireless network) to connect or communicate with the mobile phone number query server 40 of telecommunication service unit D, the credit card acquiring server 51 of credit card acquiring unit 50 and the credit card issuing server 61 of credit card issuing unit 60, etc., and the transaction server 30 has a telecommunication network authentication module 31, a credit card authentication module 32 and a credit card transaction module 33, etc. The mobile phone number query server 40 of telecommunication service unit D can have an identity authentication module 41 and a telecommunication user database 42, etc., the credit card acquiring unit 50 can have at least one (such as multiple) credit card acquiring server 51, etc., and the credit card issuing unit 60 can have at least one (such as multiple) credit card issuing server 61, etc.

In one embodiment, the telecommunication network N may be a third generation (3G) mobile communication network, a fourth generation (4G) mobile communication network, a fifth generation (5G) mobile communication network, a sixth generation (6G) mobile communication network, or a higher-level mobile communication network in the future. The mobile device 20 may be a smart phone, a tablet computer (such as an iPad), a mobile communication device, a portable mobile device, etc., and the mobile number of the mobile device 20 may be a telecommunication number or a mobile phone number, etc. The near field communication (NFC) module 22 may also be referred to as a near field wireless communication module, and the near field communication (NFC) module 22 may be a near field communicator (chip/circuit), near field communication software (program), etc. The payment application 23 may be a payment application software, etc.

In one embodiment, the online store C may be various e-commerce platforms, online shopping websites or non-physical stores, such as Shopee, Ruten, Momo, PChome, Books.com, Yahoo, Rakuten, Life Market, Pcone, ETmall, Alibaba, Taobao, Amazon, Walmart, eBay, etc., but not limited to these. The telecommunication network authentication module 31 may be a telecommunication network authentication device (chip/circuit), telecommunication network authentication software (program), etc., the credit card authentication module 32 may be a credit card authentication device (chip/circuit), credit card authentication software (program), etc., and the credit card transaction module 33 may be a credit card transaction device (chip/circuit), credit card transaction software (program), etc.

In one embodiment, the telecommunication service unit D may be a telecommunication company or telecommunication institution, such as Chunghwa Telecom, Taiwan Mobile, Far EasTone Telecommunications, etc., but not limited thereto. The mobile number query server 40 may be a mobile number query host, a telecommunication number query server, a mobile phone number query server, etc., the identity verification module 41 may be an identity verification device (chip/circuit), an identity verification software (program), etc., and the telecommunication user database 42 may be a telecommunication user data server, a telecommunication user data storage device, a telecommunication user data storage hard disk (such as a cloud hard disk), etc., and various data storage media. The credit card acquiring unit 50 may be a credit card acquiring bank, a credit card acquiring bank, a credit card acquiring institution, etc., and the credit card acquiring server 51 may be a credit card acquiring host, a credit card acquiring network server, a credit card acquiring cloud server, etc. The credit card issuing unit 60 may be a credit card issuing bank, a credit card issuing bank, a credit card issuing institution, a credit card issuing organization, etc., and the credit card issuing server 61 may be a credit card issuing host, a credit card issuing network server, a credit card issuing cloud server, etc.

The mobile device 20 of user B (such as the actual consumer who swipes the card) can be connected to the network through the telecommunication network N, so that the mobile device 20 can automatically sense the credit card data 12 (such as credit card chip data) of the physical credit card 10 or its credit card chip 11 provided by user B through the near field communication function or near field communication sensing method of the near field communication (NFC) module 22. When user B wants to use the physical credit card 10 to conduct transactions on the online store C, user B can use the near field communication function or near field communication sensing method of the near field communication (NFC) module 22 of the mobile device 20 to automatically sense the physical credit card 10 or its credit card chip 11 to conduct credit card transactions, and then the telecommunication network authentication module 31 of the transaction server 30 of the online store C obtains the mobile phone number query server 40 of the telecommunication service unit D through the telecommunication network N. The mobile phone number (such as the mobile phone number of a smart phone) of the mobile device 20 of user B is obtained or inquired, so that the credit card verification module 32 of the transaction server 30 of the online store C uses the mobile phone number of the mobile device 20 of consumer B to request at least one of the credit card acquiring server 51 of the credit card acquiring unit 50 and the credit card issuing server 61 of the credit card issuing unit 60 to perform identity verification of the real cardholder of the physical credit card 10 provided by user B.

The present invention provides a method for authorizing a transaction of a physical credit card 10 and identifying the true cardholder between a user B (such as a consumer who actually swipes the card) and an online store C. For example, the mobile device 20 of user B is first connected or communicated with the transaction server 30 of the online store C through the telecommunications network N, so that the credit card data 12 of the physical credit card 10 or its credit card chip 11 provided by user B is automatically sensed (such as automatically input/filled in/obtained) by the near field communication function or near field communication sensing method of the near field communication (NFC) module 22 of the mobile device 20, and the credit card data 12 may include the credit card number (i.e., unique credit card number) and validity period (such as validity year and month) of the physical credit card 10 or its credit card chip 11 sensed by the near field communication (NFC) module 22 of the mobile device 20, and then the mobile device 20 of user B sends the payment request information of the physical credit card 10 to the transaction server 30 of the online store C through the telecommunications network N. The payment request information of the physical credit card 10 may include [1] the transaction amount of the physical credit card 10 provided by user B on the online store C, and [2] the credit card data 12 of the physical credit card 10 or its credit card chip 11 sensed by the near field communication (NFC) module 22 of the mobile device 20, i.e., the credit card number and validity period (such as the effective year and month) of the physical credit card 10.

When the transaction server 30 of the online store C receives the payment request information including the transaction amount, credit card number and validity period of the physical credit card 10 sent by the mobile device 20 of the user B (such as the actual consumer who swipes the card), the telecommunications network authentication module 31 of the transaction server 30 of the online store C can authenticate the transaction server 30 of the online store C based on the network IP (Internet Protocol (Internet Protocol) address, and inquires the mobile phone number query server 40 in the telecommunication room of the telecommunication service unit D (such as a telecommunication company) about the mobile phone number assigned to the network IP address (such as the source IP address) of the mobile device 20 of user B in the telecommunication network N (that is, which mobile phone number is this network IP address assigned to in the telecommunication network N) to establish a network connection.

The credit card verification module 32 of the transaction server 30 of the online store C can query at least one of the credit card acquiring server 51 of the credit card acquiring unit 50 and the credit card issuing server 61 of the credit card issuing unit 60 to check whether the mobile phone number of the mobile device 20 of the user B (such as the actual consumer who swipes the card) obtained by the transaction server 30 of the online store C is consistent or the same as the mobile phone number of the real cardholder of the physical credit card 10, based on the mobile phone number of the mobile device 20 of the user B obtained by the mobile phone number query server 40 of the telecommunications service unit C through the telecommunications network N and the credit card data 12 (such as the credit card number and validity period of the physical credit card 10) in the payment request information of the physical credit card 10 sent (transmitted) by the mobile phone number query server 40 of the telecommunications service unit C.

When at least one of the credit card acquiring server 51 of the credit card acquiring unit 50 and the credit card issuing server 61 of the credit card issuing unit 60 inquires that the mobile phone number of the mobile device 20 of the user B (such as the consumer who actually swipes the card) obtained by the transaction server 30 of the online store C is consistent with or identical to the mobile phone number of the real cardholder of the physical credit card 10, the credit card transaction module 33 of the transaction server 30 of the online store C can send the transaction number including the physical credit card 10 to the transaction server 30 of the online store C. The payment request information including the transaction amount, credit card number and validity period of the physical credit card 10 is sent to the credit card acquiring server 51 of the credit card acquiring unit 50 or the credit card issuing server 61 of the credit card issuing unit 60, so that the credit card acquiring server 51 of the credit card acquiring unit 50 or the credit card issuing server 61 of the credit card issuing unit 60 conducts the transaction of the physical credit card 10 according to the payment request information including the transaction amount, credit card number and validity period of the physical credit card 10.

When the credit card acquiring server 51 of the credit card acquiring unit 50 or the credit card issuing server 61 of the credit card issuing unit 60 completes the transaction of the physical credit card 10, the credit card transaction module 33 of the transaction server 30 of the online store C can send a transaction result notification of the physical credit card 10 to the mobile device 20 of the user B according to the transaction result of the physical credit card 10 completed by the credit card acquiring server 51 or the credit card issuing server 61, and the transaction result notification of the physical credit card 10 may include transaction success information or transaction failure information of the physical credit card 10, for example, the transaction failure information is information that the user B of the physical credit card 10 (such as the consumer who actually swipes the card) does not match the real cardholder and the transaction is rejected.

In other words, the mobile device 20 of user B may include a near field communication (NFC) module 22 with a near field communication (NFC) function to connect the mobile device 20 to the network through the telecommunications network N provided by the telecommunications service unit D (such as a telecommunications company), and the network function of the mobile device 20 is to insert the user identity module (SIM) card 21 provided by the telecommunications service unit D into the mobile device 20 to connect to the network.

The identity verification module 41 of the mobile phone number query server 40 of the telecommunication service unit D (such as a telecommunication company) can verify or confirm whether the network IP address of the mobile device 20 of the user B (such as the consumer who actually swipes the card) is a legal and valid IP address, and the telecommunication user database 42 of the mobile phone number query server 40 of the telecommunication service unit D can record the current legal and valid IP address and the mobile phone number of the corresponding telecommunication user. For example, when the identity verification module 41 of the mobile phone number query server 40 of the telecommunications service unit D (such as a telecommunications company) receives an IP address query request sent by the transaction server 30 of the online store C, the identity verification module 41 of the mobile phone number query server 40 can verify or confirm whether the network IP address of the mobile device 20 of the user B is a legal and valid IP address recorded in the telecommunications user database 42 of the mobile phone number query server 40 or assigned by the telecommunications network N based on the IP address query request.

When the mobile device 20 of user B (such as the actual consumer who swipes the card) sends the payment request information including the transaction amount, credit card number and validity period of the physical credit card 10 to the transaction server 30 of the online store C, and the identity verification module 41 of the mobile phone number query server 40 verifies or confirms that the network IP address of the mobile device 20 of user B is a legal and valid IP address, the telecommunications network authentication module 31 of the transaction server 30 of the online store C can send a verification request to the telecommunications server 30 according to the network IP address of the mobile device 20 of user B. The mobile phone number query server 40 in the telecommunications room of the service unit D requests a mobile phone number query to obtain the mobile phone number of the mobile device 20 of the user B. Then, the credit card verification module 32 of the transaction server 30 of the online store C requests at least one of the credit card acquiring server 51 of the credit card acquiring unit 50 and the credit card issuing server 61 of the credit card issuing unit 60 to authenticate the identity of the real cardholder of the physical credit card 10 and authorize the transaction of the physical credit card 10 according to the mobile phone number of the mobile device 20 of the user B.

FIG2 is a schematic diagram of the process of the inductive credit card transaction method of the present invention, and is explained with reference to FIG1. Meanwhile, the main contents of this inductive credit card transaction method are as follows, and the rest of the contents are the same as those described in FIG1 above, and will not be repeated here.

As shown in FIG2 , in step S1, user B (such as a consumer who actually swipes a card) uses a mobile device 20 to enter an online store C to make purchases (such as transactions or consumption of goods or services). For example, user B can use the mobile device 20 to execute a payment application 23, and this payment application 23 can be an application with a payment function, or connect the browser of the mobile device 20 to the online webpage of the online store C.

In step S2, user B (such as a consumer who actually swipes the card) prepares to provide the credit card information 12 of the physical credit card 10 in the payment application 23 of the mobile device 20 in order to conduct transaction payment or payment authorization of the physical credit card 10.

In step S3, the online website or application (APP) of the online store C prompts user B (such as a consumer who actually swipes the card) to bring the physical credit card 10 or its credit card chip 11 close to (such as close to/approaching) the near field communication (NFC) module 22 of the mobile device 20, so that the near field communication (NFC) module 22 of the mobile device 20 is ready to sense the credit card data 12 (such as credit card chip data) of the physical credit card 10 or its credit card chip 11.

In step S4, user B performs security authentication or device unlock authentication of the mobile device 20. That is, the display screen of the mobile device 20 of user B may display a device unlock screen of the mobile device 20, and prompt the device unlock method of the mobile device 20 through the device unlock screen. Then user B (such as a consumer who actually swipes a card) enters or provides a password, fingerprint, face shape, iris, voice, pattern or personal identification code corresponding to the device unlock method to perform security authentication or device unlock authentication of the mobile device 20. For example, the device unlocking method may be a password, fingerprint, face shape, iris, voice, pattern (such as unlocking pattern/screen lock pattern), personal identification code (such as PIN code), etc. set or provided by the owner or holder of the mobile device 20.

In step S5, the near field communication (NFC) module 22 of the mobile device 20 of user B is connected to the physical credit card 10 or its credit card chip 11, so that the near field communication (NFC) module 22 of the mobile device 20 automatically senses (obtains) the credit card data 12 (such as credit card chip data) of the physical credit card 10, and the credit card data 12 includes the credit card number and validity period (such as validity year and month) of the physical credit card 10.

In step S6, the mobile device 20 of user B transmits the credit card data 12 (such as credit card chip data) including the credit card number and validity period (such as validity year and month) of the physical credit card 10 to the transaction server 30 of the online store C.

In step S7, when the transaction server 30 of the online store C receives the credit card information 12 or its encrypted information including the credit card number and validity period (such as the effective year and month) of the physical credit card 10 provided by the user B, the telecommunication network authentication module 31 of the transaction server 30 of the online store C obtains the mobile phone number of the mobile device 20 of the user B from the mobile phone number query server 40 of the telecommunication service unit D through the telecommunication network N.

In step S8, the credit card verification module 32 of the transaction server 30 of the online store C verifies the correctness of the mobile phone number of the mobile device 20 corresponding to the credit card number of the physical credit card 10. That is, the credit card verification module 32 of the transaction server 30 of the online store C can transmit the mobile phone number of the mobile device 20 of the user B (such as the consumer who actually swipes the card) to the credit card acquiring server 51 of the credit card acquiring unit 50, so that the credit card acquiring server 51 of the credit card acquiring unit 50 verifies whether the mobile phone number of the mobile device 20 corresponding to the credit card number of the physical credit card 10 provided by the user B is correct.

When the credit card acquiring server 51 of the credit card acquiring unit 50 verifies that the mobile phone number of the mobile device 20 corresponding to the credit card number of the physical credit card 10 provided by user B (such as the actual consumer who swipes the card) is correct, the credit card acquiring server 51 of the credit card acquiring unit 50 can reply to the credit card verification module 32 of the transaction server 30 of the online store C with a message that the mobile phone number of the mobile device 20 corresponding to the credit card number of the physical credit card 10 is correct (i.e., verified correctly).

Furthermore, when the credit card acquiring server 51 of the credit card acquiring unit 50 verifies that the mobile phone number of the mobile device 20 corresponding to the credit card number of the physical credit card 10 provided by user B (such as the actual consumer who swipes the card) is incorrect (error), the credit card acquiring server 51 of the credit card acquiring unit 50 can reply to the credit card verification module 32 of the transaction server 30 of the online store C with a message that the mobile phone number of the mobile device 20 corresponding to the credit card number of the physical credit card 10 is incorrect (i.e., verification error).

In step S9, the credit card transaction module 33 of the transaction server 30 of the online store C transmits the credit card data 12 of the physical credit card 10 to the credit card acquiring server 51 of the credit card acquiring unit 50, so that the credit card acquiring server 51 of the credit card acquiring unit 50 can authenticate and authorize the physical credit card 10 provided by user B (such as the actual consumer who swipes the card) and conduct the transaction.

Therefore, the present invention can make good use of the advantage that offline transactions have less credit card fraud risk than online transactions, and use the physical credit card 10 used in offline transactions with the mobile device 20 of user B to conduct online transactions in the online store C. It can also combine the security of offline transactions (such as preventing credit card information 12 from being stolen/intercepted by fraudsters or hackers) and the convenience of online transactions (such as online shopping is convenient/not restricted by location/affordable prices), and can also greatly reduce the credit card fraud risk during online transactions.

The present invention can have the advantages of both offline transactions and online transactions (such as the security of offline transactions and the convenience of online transactions), and utilizes the near field communication (NFC) module 22 of the mobile device 20 to automatically sense the credit card data 12 of the physical credit card 10 to verify the credit card transaction. It can also conduct online transactions of the online store C based on the credit card data 12 of the physical credit card 10, and can also join the telecommunications network N as the user B of the physical credit card 10 (such as the actual consumer who swipes the card) and the identity verification of the real cardholder, and can also ensure the security of the transaction process of the physical credit card 10.

The present invention enables user B (such as a consumer who actually swipes a card) to conduct online transactions with online store C through a mobile device 20 without the need for user B to manually input the credit card information 12 of the physical credit card 10. Instead, user B only needs to bring the physical credit card 10 provided by user B close to the mobile device 20 to automatically sense the credit card information 12 of the physical credit card 10 through the near field communication (NFC) function or near field communication sensing method of the near field communication (NFC) module 22 of the mobile device 20, and then the credit card information 12 of the physical credit card 10 can be traded with the transaction server 30 of the online store C.

In one embodiment of the present invention (this is only an example and not intended to limit the present invention), the credit card issuing server 61 of the credit card issuing unit 60 does not need to send a text message of a transaction authentication password or a one-time password (OTP) to the mobile phone number of the mobile device 20 of user B, and user B does not need to enter a reply authentication password to be sent to the credit card issuing server 61 of the credit card issuing unit 60. Therefore, the present invention can prevent the transaction authentication password (one-time password OTP) or reply authentication password from being intercepted or stolen by fraudsters or hackers during the credit card transaction process, and can also improve the security of credit card transactions in online stores.

During the transaction between the mobile device 20 of user B and the online store C, the present invention can obtain the mobile phone number of the mobile device 20 of user B through the telecommunication network N used by the mobile device 20 for sensing the physical credit card 10, so as to confirm that the user B (such as the actual consumer who swipes the card) who can use the physical credit card 10 for sensing transactions is the real cardholder of the physical credit card 10 according to the mobile phone number. The online transaction between the mobile device 20 of user B and the online store C can also be regarded as a broad offline transaction, which can also reduce the fraud risk of the physical credit card 10 and the related processing fees.

In addition, the present invention also provides a computer-readable medium for an inductive credit card transaction method, which is applied to a computing device or computer having a processor and/or memory, and the computer-readable medium stores instructions, and the computing device or computer can execute the computer-readable medium through the processor and/or memory to execute the above content when executing the computer-readable medium. For example, the processor can be a microprocessor, a central processing unit (CPU), a graphics processing unit (GPU), etc., and the memory can be a random access memory (RAM), a memory card, a hard disk (such as a cloud/network hard disk), a database, etc., but is not limited to this.

In summary, the inductive credit card transaction system, method and computer-readable medium of the present invention have at least the following features, advantages or technical effects.

1. The present invention enables users to utilize the NFC function or NFC sensing method of the mobile device to automatically sense (e.g. automatically input/fill in/obtain) the credit card data (e.g. credit card chip data) of a physical credit card, and can also reduce the input error rate of users who currently manually input the credit card data of a physical credit card and save time.

Second, the present invention can make good use of the advantage that offline transactions have less credit card fraud risk than online transactions. The physical credit card used in offline transactions is combined with the user's mobile device to conduct online transactions in online stores. It can also combine the security of offline transactions (such as preventing credit card information from being stolen/intercepted by fraudsters or hackers) with the convenience of online transactions (such as online shopping is convenient/not restricted by location/affordable prices), and can also greatly reduce the credit card fraud risk during online transactions.

3. The present invention can have the advantages of both offline and online transactions (such as the security of offline transactions and the convenience of online transactions), and use the near field communication (NFC) module of the mobile device to automatically sense the credit card information of the physical credit card to verify the credit card transaction. It can also conduct online transactions in online stores based on the credit card information of the physical credit card, and can also join the telecommunications network as a physical credit card user (such as a consumer who actually swipes the card) and the true cardholder's identity verification, and can also ensure the security of the physical credit card transaction process.

4. The present invention enables users (such as consumers who swipe their cards) to conduct online transactions in online stores through mobile devices without the need for users to manually input the credit card information of physical credit cards. Users only need to bring their physical credit cards close to the mobile device to automatically sense the credit card information of the physical credit card through the near field communication (NFC) module, and then the credit card information of the physical credit card can be traded with the transaction server of the online store.

5. The credit card issuing server of the present invention no longer needs to send a text message of a transaction authentication password or a one-time password (OTP) to the mobile phone number of the user's mobile device, and the user no longer needs to enter a reply authentication password to the credit card issuing server. Therefore, the present invention can prevent the transaction authentication password (one-time password OTP) or reply authentication password from being intercepted or stolen by fraudsters or hackers during the credit card transaction process, and can also improve the security of credit card transactions in online stores.

6. During the transaction between the user's mobile device and the online store, the present invention can obtain the mobile phone number of the user's mobile device through the telecommunications network used by the mobile device for sensing the physical credit card, and confirm based on the mobile phone number that the user who can use the physical credit card for sensing transactions (such as the consumer who actually swipes the card) is the real cardholder of the physical credit card, and can also reduce the fraud risk of physical credit cards and related processing costs.

The above implementation forms are only illustrative of the principles, features and effects of the present invention, and are not intended to limit the scope of implementation of the present invention. Anyone familiar with this technology can modify and change the above implementation forms without violating the spirit and scope of the present invention. Any equivalent changes and modifications completed using the contents disclosed in the present invention should still be covered by the scope of the patent application. Therefore, the scope of protection of the present invention should be as listed in the scope of the patent application.

1: Contactless credit card transaction system

10: Physical credit card

11: Credit card chip

12: Credit card information

20: Mobile devices

21: User Identity Module (SIM) card

22: Near Field Communication (NFC) module

23: Payment application

30: Trading Server

31: Telecommunications network authentication module

32: Credit card verification module

33: Credit card transaction module

40: Mobile phone number query server

41: Identity verification module

42: Telephone credit user database

50: Credit card acquiring unit

51: Credit card acquiring server

60: Credit card issuing unit

61: Credit card issuance server

B: User

C: Online store

D:Telecommunications service unit

N:Telecommunications network

NFC: Near Field Communication

Claims (15)

A contactless credit card transaction system includes: a user's mobile device, which has a near field communication module to sense the credit card data of a physical credit card provided by the user, and the credit card data includes the credit card number of the physical credit card sensed by the near field communication module of the mobile device; a transaction server of an online store, which is connected or communicated with the user's mobile device with the near field communication module, so that the user's mobile device with the near field communication module sends payment request information of the physical credit card to the transaction server of the online store, and the payment request information includes the transaction amount of the physical credit card provided by the user on the online store and the transaction amount of the physical credit card provided by the user. The credit card number of the physical credit card sensed by the near field communication module of the mobile device; and a credit card acquiring server of a credit card acquiring unit and a credit card issuing server of a credit card issuing unit, which are respectively connected or communicated with the transaction server of the online store, and the credit card acquiring server of the credit card acquiring unit and the credit card issuing server of the credit card issuing unit can both be used to query the consistency between the mobile phone number of the user's mobile device obtained by the transaction server of the online store and the mobile phone number of the real cardholder of the physical credit card, wherein the transaction server of the online store checks the consistency between the mobile phone number of the user's mobile device and the mobile phone number of the user's mobile device. The payment request information sent includes the credit card number of the physical credit card sensed by the near field communication module, and queries at least one of the credit card acquiring server of the credit card acquiring unit and the credit card issuing server of the credit card issuing unit to see whether the mobile phone number of the user's mobile device is consistent with the mobile phone number of the real cardholder of the physical credit card. When at least one of the credit card acquiring server of the credit card acquiring unit and the credit card issuing server of the credit card issuing unit finds that the mobile phone number of the user's mobile device is consistent with the mobile phone number of the real cardholder of the physical credit card, the transaction server of the online store will include the user's The transaction amount of the physical credit card provided by the user on the online store and the payment request information of the credit card number of the physical credit card sensed by the near field communication module of the mobile device are sent to the credit card acquiring server of the credit card acquiring unit and the credit card issuing server of the credit card issuing unit, so that the credit card acquiring server of the credit card acquiring unit and the credit card issuing server of the credit card issuing unit can perform the transaction of the physical credit card based on the payment request information including the transaction amount of the physical credit card provided by the user on the online store and the credit card number of the physical credit card sensed by the near field communication module of the mobile device. The inductive credit card transaction system as described in claim 1, wherein the near field communication module of the mobile device automatically senses the credit card information of the physical credit card provided by the user by near field communication sensing, and then the user's mobile device sends the payment request information of the physical credit card to the transaction server of the online store through the telecommunications network, wherein the credit card information of the physical credit card includes the credit card number and validity period of the physical credit card sensed by the near field communication module of the mobile device, and the payment request information of the physical credit card includes the transaction amount of the physical credit card and the credit card number and validity period of the physical credit card sensed by the near field communication module of the mobile device. The contactless credit card transaction system as described in claim 1 further includes a mobile phone number query server, and the transaction server of the online store has a telecommunications network authentication module, wherein the telecommunications network authentication module queries the mobile phone number query server for the mobile phone number assigned to the network IP address of the user's mobile device in the telecommunications network based on the network IP (Internet Protocol) address of the user's mobile device when connecting to the transaction server of the online store. The contactless credit card transaction system as described in claim 1, wherein the transaction server of the online store has a telecommunications network authentication module and a credit card authentication module, and the telecommunications network authentication module of the transaction server of the online store obtains the mobile phone number of the user's mobile device, so that the credit card authentication module of the transaction server of the online store uses the mobile phone number of the user's mobile device to request at least one of the credit card acquiring server and the credit card issuing server to perform identity authentication of the real cardholder of the physical credit card provided by the user. The contactless credit card transaction system as described in claim 1, wherein the transaction server of the online store has a credit card verification module for transmitting the mobile phone number of the user's mobile device to the credit card acquiring server, so that when the credit card acquiring server verifies that the mobile phone number of the mobile device corresponding to the credit card number of the physical credit card provided by the user is correct, the credit card acquiring server replies to the credit card verification module of the transaction server of the online store with a message that the mobile phone number of the mobile device corresponding to the credit card number of the physical credit card is correct. The contactless credit card transaction system as described in claim 1, wherein the transaction server of the online store has a credit card transaction module, so that when the credit card acquiring server or the credit card issuing server completes the transaction of the physical credit card, the credit card transaction module of the transaction server of the online store sends a transaction result notification of the physical credit card to the user's mobile device according to the transaction result of the physical credit card completed by the credit card acquiring server or the credit card issuing server, and the transaction result notification of the physical credit card includes transaction success information or transaction failure information of the physical credit card. The contactless credit card transaction system as described in claim 1 further includes a mobile phone number query server having an identity verification module and a telecom user database, wherein when the identity verification module of the mobile phone number query server receives an IP (Internet Protocol) address query request sent by the transaction server of the online store, the identity verification module of the mobile phone number query server verifies or confirms whether the network IP address of the user's mobile device is a legal and valid IP address recorded in the telecom user database of the mobile phone number query server or assigned by the telecommunications network according to the IP address query request. A contactless credit card transaction method, comprising: A near field communication module of a user's mobile device senses the credit card data of a physical credit card provided by the user, and the credit card data includes the credit card number of the physical credit card sensed by the near field communication module of the mobile device; the user's mobile device with a near field communication module sends payment request information of the physical credit card to a transaction server of an online store, and the payment request information includes the transaction amount of the physical credit card provided by the user on the online store and the credit card number of the physical credit card sensed by the near field communication module of the mobile device; and A credit card acquiring server of a credit card acquiring unit and a credit card issuing server of a credit card issuing unit are respectively connected or communicated with the transaction server of the online store, and the credit card acquiring server of the credit card acquiring unit and the credit card issuing server of the credit card issuing unit can be used to query the consistency between the mobile phone number of the user's mobile device obtained by the transaction server of the online store and the mobile phone number of the real cardholder of the physical credit card, wherein the transaction server of the online store determines the consistency of the mobile phone number of the user's mobile device and the payment request information sent by the user's mobile device. The credit card number of the physical credit card sensed is queried to at least one of the credit card acquiring server of the credit card acquiring unit and the credit card issuing server of the credit card issuing unit to determine whether the mobile phone number of the user's mobile device is consistent with the mobile phone number of the real cardholder of the physical credit card. When at least one of the credit card acquiring server of the credit card acquiring unit and the credit card issuing server of the credit card issuing unit finds that the mobile phone number of the user's mobile device is consistent with the mobile phone number of the real cardholder of the physical credit card, the transaction server of the online store sends the physical credit card provided by the user to the online store. The transaction amount on the online store and the payment request information of the credit card number of the physical credit card sensed by the near field communication module of the mobile device are sent to either the credit card acquiring server of the credit card acquiring unit or the credit card issuing server of the credit card issuing unit, so that either the credit card acquiring server of the credit card acquiring unit or the credit card issuing server of the credit card issuing unit can perform the transaction of the physical credit card based on the transaction amount of the physical credit card provided by the user on the online store and the payment request information of the credit card number of the physical credit card sensed by the near field communication module of the mobile device. The contactless credit card transaction method as described in claim 8 further includes the near field communication module of the mobile device automatically sensing the credit card information of the physical credit card provided by the user in a near field communication sensing manner, and then the user's mobile device sends the payment request information of the physical credit card to the transaction server of the online store through the telecommunications network, wherein the credit card information of the physical credit card includes the credit card number and validity period of the physical credit card sensed by the near field communication module of the mobile device, and the payment request information of the physical credit card includes the transaction amount of the physical credit card and the credit card number and validity period of the physical credit card sensed by the near field communication module of the mobile device. The contactless credit card transaction method as described in claim 8 further includes the transaction server of the online store querying the mobile phone number query server for the mobile phone number assigned to the network IP address of the user's mobile device in the telecommunications network based on the network IP (Internet Protocol) address of the user's mobile device when the mobile device is connected to the transaction server of the online store. The contactless credit card transaction method as described in claim 8 further includes obtaining the mobile phone number of the user's mobile device by the transaction server of the online store, so that the transaction server of the online store uses the mobile phone number of the user's mobile device to request at least one of the credit card acquiring server and the credit card issuing server to perform identity verification of the real cardholder of the physical credit card provided by the user. The contactless credit card transaction method as described in claim 8 further includes the transaction server of the online store transmitting the mobile phone number of the user's mobile device to the credit card acquiring server, so that when the credit card acquiring server verifies that the mobile phone number of the mobile device corresponding to the credit card number of the physical credit card provided by the user is correct, the credit card acquiring server replies to the transaction server of the online store with a message that the mobile phone number of the mobile device corresponding to the credit card number of the physical credit card is correct. The contactless credit card transaction method as described in claim 8 further includes that when the credit card acquiring server or the credit card issuing server completes the transaction of the physical credit card, the transaction server of the online store sends a transaction result notification of the physical credit card to the user's mobile device based on the transaction result of the physical credit card completed by the credit card acquiring server or the credit card issuing server, and the transaction result notification of the physical credit card includes transaction success information or transaction failure information of the physical credit card. The contactless credit card transaction method as described in claim 8 further includes that when the mobile phone number query server receives the IP (Internet Protocol) address query request sent by the transaction server of the online store, the mobile phone number query server verifies or confirms whether the network IP address of the user's mobile device is a legal and valid IP address recorded in the mobile phone number query server's telecommunications user database or assigned by the telecommunications network based on the IP address query request. A computer-readable medium, used in a computing device or a computer, stores instructions for executing a contactless credit card transaction method as described in any one of claims 8 to 14.

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