TWM672401U - Credit card transaction verification system - Google Patents

Abstract

A card transaction verification system includes a file management server, an acquirer host and a database server. The acquirer host is electrically connected to the file management server. The database server is electrically connected to the acquirer host. The file management server receives an order data to be verified from a store-side electronic device, and the order data to be verified records a customer data and an order payment data in a plurality of item fields to be verified. The acquirer host determines whether the order data to be verified is consistent with one of a plurality of bank customer data and one of a plurality of card transaction records to generate a plurality of verification results corresponding to the item fields to be verified, and provides the verification results to the store-side electronic device via the file management server.

Description

Card Transaction Verification System

The invention relates to a verification system, in particular to a system for verifying card transactions.

Online stores allow customers to place orders online, so that customers can buy without going to a physical store. For payment of orders, many online stores allow customers to pay by credit card.

However, there are endless cases of credit card fraud. Many online stores ship goods after customers pay by credit card, but only discover that they have been subject to fraud after shipment and are unable to receive payment.

Therefore, how to develop a new system that can automatically help stores verify card transactions is the subject of this novel further discussion.

Therefore, the purpose of the present invention is to provide a card transaction verification system.

Therefore, the novel card transaction verification system is suitable for communicating with a store-side electronic device and includes a file management server, an acquirer host and a database server. The acquirer host is electrically connected to the file management server. The database server is electrically connected to the acquirer host and stores multiple bank customer data and multiple card transaction records.

The file management server receives a to-be-verified order data from the store-side electronic device. The to-be-verified order data records the order customer data and an order payment data in a plurality of to-be-verified item fields.

After the acquiring bank host obtains the order data to be verified from the file management server, it determines whether the order data to be verified is consistent with one of the bank customer data and one of the card transaction records to generate multiple verification results corresponding to the fields of the item to be verified.

The acquirer host provides the verification results to the store-side electronic device via the file management server.

In some implementations, when the acquirer host provides the verification results to the store-side electronic device via the file management server, the acquirer host replaces the original content of the waiting verification item field of the order data to be verified with the verification results to generate an order verification result, and transmits the order verification result to the file management server for the store-side electronic device to capture.

In some implementations, the file management server communicates with the store-side electronic device using a file transfer protocol.

In some implementations, the file management server stores multiple contracted store Internet address coordinates. When the store-side electronic device is connected to the file management server, the file management server determines whether a current Internet address coordinates of the store-side electronic device matches one of the contracted store Internet address coordinates. When the file management server determines that the current Internet address coordinates of the store-side electronic device matches one of the contracted store Internet address coordinates, the file management server allows the store-side electronic device to access the data stored in the file management server.

In some implementations, the ordering customer information includes a name, an ID number, a phone number, an address, and an email address.

In some implementations, the order payment information includes a transaction amount, a transaction time, and a card number.

In some implementations, the acquirer host deletes the order data to be verified stored in the file management server after obtaining the order data to be verified from the file management server.

The function of the present invention is that after the acquiring bank host obtains the order data to be verified from the file management server, it determines whether the order data to be verified is consistent with one of the bank customer data and one of the card transaction records to generate the verification results corresponding to the fields of the items to be verified respectively, and provides the verification results to the store-side electronic device through the file management server, thereby automatically helping the store to verify the card transaction.

Before the present invention is described in detail, it should be noted that similar components are represented by the same reference numerals in the following description.

Before the present invention is described in detail, it should be noted that, unless otherwise specifically defined, the term "electrically connected" in this patent specification is used to describe the "coupled" relationship between computer hardware (e.g., electronic systems, equipment, devices, units, components), and generally refers to "wired electrical connections" achieved by physically connecting multiple computer hardware through conductors/semiconductor materials, and "radio connections" that achieve wireless data transmission using wireless communication technology (e.g., but not limited to wireless networks, Bluetooth, and electromagnetic induction, etc.). On the other hand, unless otherwise specifically defined, the "electrical connection" described in this patent specification also generally refers to a "direct electrical connection" achieved by directly coupling multiple computer hardware to each other, and an "indirect electrical connection" achieved by indirectly coupling multiple computer hardware through other computer hardware.

Before the present invention is described in detail, it should be noted that the "unit" described in this patent specification represents computer hardware rather than software. For example, "processing unit" is used to represent computer hardware with data processing capabilities.

Referring to FIG. 1 , an embodiment of the novel card transaction verification system 100 is suitable for communicating with a store-side electronic device 200 and includes a file management server 1 , an acquirer host 2 and a database server 3 .

The file management server 1 uses the file transfer protocol (FTP) to communicate with the store-side electronic device 200. The acquirer host 2 is electrically connected to the file management server 1.

The database server 3 is electrically connected to the acquiring bank host 2 and stores a plurality of bank customer data and a plurality of card swiping transaction records. Each bank customer data includes, for example, a name, an ID number, a phone number, an address and an email address. Each card swiping transaction record includes, for example, a transaction amount, a transaction time and a card number.

Referring to FIG. 1 and FIG. 2, the steps performed by the card transaction verification system 100 are described below. First, as shown in step S01, the file management server 1 receives an order data to be verified from the store-side electronic device 200. The order data to be verified records the order customer data and the order payment data in a plurality of fields to be verified. The order customer data includes a name, an ID number, a phone number, an address and an email address. The order payment data includes a transaction amount, a transaction time and a card number.

Next, as shown in step S02, after the acquiring bank host 2 obtains the order data to be verified from the file management server 1, it determines whether the order data to be verified is consistent with one of the bank customer data and one of the card transaction records to generate a plurality of verification results corresponding to the fields of the item to be verified. Each of the verification results indicates, for example, true or false.

In this embodiment, the acquiring bank host 2 deletes the order data to be verified stored in the file management server 1 after obtaining the order data to be verified from the file management server 1 .

Next, as shown in step S03, the acquirer host 2 provides the verification results to the store-side electronic device 200 via the file management server 1.

In this embodiment, when the acquiring bank host 2 provides the verification results to the store-side electronic device 200 via the file management server 1, the acquiring bank host 2 replaces the original content of the waiting verification item field of the order data to be verified with the verification results to generate an order verification result, and transmits the order verification result to the file management server 1 for the store-side electronic device 200 to capture.

It is worth mentioning that the file management server 1 stores a plurality of contracted store Internet protocol addresses. When the store-side electronic device 200 is connected to the file management server 1, the file management server 1 determines whether a current Internet protocol address of the store-side electronic device 200 matches one of the contracted store Internet protocol addresses. When the file management server 1 determines that the current Internet protocol address of the store-side electronic device 200 matches one of the contracted store Internet protocol addresses, the file management server 1 allows the store-side electronic device 200 to access the data stored in the file management server 1. In this way, data security is improved.

In summary, after the acquiring bank host 2 obtains the order data to be verified from the file management server 1, the new card transaction verification system 100 determines whether the order data to be verified is consistent with one of the bank customer data and one of the card transaction records to generate the verification results corresponding to the fields of the items to be verified respectively, and provides the verification results to the store-side electronic device 200 through the file management server 1, thereby automatically helping the store to verify the card transaction, which is the subject to be further discussed in the present invention. Therefore, the purpose of the present invention can be achieved.

However, the above is only an example of the implementation of the present invention, and it cannot be used to limit the scope of the implementation of the present invention. All simple equivalent changes and modifications made according to the scope of the patent application of the present invention and the content of the patent specification are still within the scope of the present patent.

100: Card Transaction Verification System 1: File Management Server 2: Acquirer Host 3: Database Server 200: Store-side Electronic Device S01~S03: Step

Other features and functions of the present invention will be clearly presented in the implementation method of the reference drawings, wherein: FIG. 1 is a schematic diagram of the hardware connection relationship of an implementation example of the present invention's new card swiping transaction verification system; and FIG. 2 is a flow chart of the implementation example.

100: Card transaction verification system

1: File management server

2: Acquirer host

3: Database server

200: Store-side electronic devices

Claims (7)

A card transaction verification system is suitable for communicating with a store-side electronic device and comprises: a file management server; an acquirer host, electrically connected to the file management server; and a database server, electrically connected to the acquirer host, and storing a plurality of bank customer data and a plurality of card transaction records; the file management server receives a to-be-verified order data from the store-side electronic device, the to-be-verified order data is in the form of a plurality of to-be-verified item fields Recording the following order customer information and order payment information; after the acquirer host obtains the order information to be verified from the file management server, it determines whether the order information to be verified is consistent with one of the bank customer information and one of the card transaction records to generate multiple verification results corresponding to the fields of the items to be verified; the acquirer host provides the verification results to the store-side electronic device via the file management server. A card transaction verification system as described in claim 1, wherein, when the acquiring bank host provides the verification results to the store-side electronic device via the file management server, the acquiring bank host replaces the original content of the waiting verification item field of the order data to be verified with the verification results to generate an order verification result, and transmits the order verification result to the file management server for the store-side electronic device to capture. A card transaction verification system as described in claim 1, wherein the file management server communicates with the store-side electronic device using a file transfer protocol. A card transaction verification system as described in claim 1, wherein the file management server stores multiple Internet protocol addresses of contracted stores. When the store-side electronic device is connected to the file management server, the file management server determines whether a current Internet protocol address of the store-side electronic device matches one of the contracted store Internet protocol addresses. When the file management server determines that the current Internet protocol address of the store-side electronic device matches one of the contracted store Internet protocol addresses, the file management server allows the store-side electronic device to access the data stored in the file management server. A card transaction verification system as described in claim 1, wherein the ordering customer information includes a name, an ID number, a telephone number, an address and an email address. A card transaction verification system as described in claim 1, wherein the order payment information includes a transaction amount, a transaction time and a card number. The card transaction verification system as described in claim 1, wherein the acquiring bank host deletes the order data to be verified stored in the file management server after obtaining the order data to be verified from the file management server.

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