CN102184497A - Electronic transaction system and payment method with telegraph number as account number - Google Patents

Abstract

The invention relates to an electronic transaction system and a payment method taking an electric signal code as an account number, which mainly comprise at least one user electric signal code database, an intermediary platform and at least one financial institution; the user can use the telecommunication equipment to register the value-storing service to the intermediary platform on line, and the intermediary platform acquires the number of the telecommunication equipment and the authentication data input by the user and then connects to the user telecommunication number database on line to check the user identity; after the user identity is successfully confirmed, the intermediary platform and the financial institution register a group of telecommunication number accounts for the user to use for value-stored transactions; the user's account number in the intermediary platform is based on the telecommunication number, that is, when the registered user wants to transfer to another person, the user only needs to connect to the intermediary platform through the registered telecommunication equipment, and after inputting the target telecommunication number and the amount of money to be transferred, the amount of money in the own telecommunication number value-stored account can be transferred to the telecommunication number value-stored account of another person.

Description

Electronic transaction system and payment method using telecommunication number as account number

technical field

The invention relates to an electronic transaction system and a payment method, in particular to an electronic transaction system and a payment method using a telecommunication number as an account number.

Background technique

Known mobile payment systems, such as Taiwan Patent Publication No. 200842744 "Mobile Collection and Payment Platform", the content of the invention points out that the user enters the store code, transaction amount, and credit card or debit card data online through the mobile communication device and sends them to the mobile collection and payment system Platform, and then the payment platform authorizes the transaction to the financial unit based on the transaction amount and credit card or financial card data, and finally the financial unit sends the transaction authorization result information back to the store and the user's mobile device through the payment platform. In this patent, the user must input credit card or debit card data for every transaction, and the input data is too much and difficult to remember (such as financial account number), which is easy to reduce the user's willingness to use; For some users, the security of data transmission is still doubtful.

For example, Taiwan Patent Publication No. 200943891 "A Verification System for Electronic Transaction Behavior Using Mobile Phone Registration", the content of the invention is to first set up a transaction platform for mobile phone SIM card and mobile phone internal code (IMEI) interpretation and comparison device, and then the user Call the trading platform to apply for registration through a mobile phone, and the platform will automatically take out the SIM card and IMEI data of the calling mobile phone, and use the mobile phone number as the user's account and send a set of transaction passwords to the designated mobile phone; When the user wants to conduct a transaction, he must hold the original registered mobile phone to connect to the trading platform, and then enter the transaction password, account number of the transaction partner, and the transaction amount to be sent to the trading platform; Verification and verification with the password, in which the transaction object must be the registered mobile phone user or store. However, there is a transaction problem in this patent: after the user successfully registers with the trading platform, the platform will send a transaction password to the user's mobile phone, so if the user's mobile phone is accidentally lost, malicious fraudsters have the opportunity to query the transaction password from the mobile phone (Query SMS records), and then hold the transaction password and mobile phone to easily counterfeit users to pass the verification of the transaction platform, and conduct transactions to cause property losses of real users.

For example, Taiwan Patent Publication No. 201029433 "Account Transfer and Stored Value System Using Mobile Phone Transactions" is a transaction system using a mobile number as a stored value account. The content of the invention is that after the user dials to the transaction platform to register through the mobile phone, he will obtain the user password and a set of stored value accounts with the mobile number as the account number; after completing the registration, the user can transfer money to the stored value account through the financial channel, Or use a mobile phone to enter the account data to be transferred on the transaction platform (such as mobile phone number account, store code, financial account, etc.), and then the amount can be transferred from the stored value account to the designated account. However, the registration of the stored-value account in this patent only needs to be dialed to the transaction platform through a mobile phone, and then the registration and account opening can be completed. When canceling the lease, the stored value balance cannot be refunded because the identity of the original registrant cannot be confirmed. Furthermore, the opening of stored-value accounts only uses mobile numbers to identify users, so fraudulent groups can easily defraud other people's mobile phones to open stored-value accounts and use them as personal accounts, which increases the risk and cost of financial control.

This shows that above-mentioned conventional technology still has many shortcomings, is not perfect design, still needs to be improved.

Contents of the invention

In order to solve the above problems, the present invention provides an electronic transaction system using a telecommunication number as an account number, which mainly includes a user equipment data module, at least one contracted financial institution, and an intermediary platform; wherein the user uses the telecommunication equipment to share authentication information and transaction information After receiving it, the intermediary platform first transmits the authentication information (including at least the telecommunication number of the telecommunications equipment) to the user equipment data module or the equipment authentication mechanism provided by the telecommunications industry for user equipment authentication, and the intermediary platform receives the authentication result After taking out the registration information of the user with the telecommunications number (including at least one stored value account of the telecommunications number), the intermediary platform will send the transaction information to the contracting financial institution, and the contracting financial institution will process the transaction information, and finally send the transaction information result Directly or via an intermediary platform, it is delivered to the user's telecommunication equipment and displayed. In addition, when the intermediary platform of the above-mentioned system fails to find the user registration information of the telecommunications number after completing the authentication of the user equipment, it will immediately provide the user with a set of stored value accounts with the telecommunications number holder as the account name.

The present invention also provides an electronic payment method using a telecommunication number as an account number, including: the user communicates with a telecommunication device to the intermediary platform of the above-mentioned electronic transaction system to register, and the intermediary platform receives the telecommunication number of the telecommunication device and After the user enters the authentication information, the platform will transmit it to the user equipment data module or the telecommunications company to which the telecommunications number belongs will perform user equipment authentication; after the authentication is successful, the intermediary platform will receive the ID number or unique identification of the telecommunications number holder code, and after checking to confirm that the user has not registered, the intermediary platform will generate a set of stored-value accounts with the name of the telecommunications number holder for the user, and display the value-stored method of the account to the user, and the user can follow the Value storage methods store value through today's financial tools, such as ATM transfers, credit card transfers, etc.

The electronic payment method of the present invention provides an electronic payment method using a telecommunication number as an account number, which is mainly for the user to communicate with the telecommunication equipment to the intermediary platform of the above-mentioned electronic transaction system for transfer, and the intermediary platform receives during the communication. After the telecommunication number of the telecommunication equipment and the authentication information and transfer information input by the user, the platform will transmit it to the user equipment data module or the telecommunication company to which the telecommunication number belongs will perform user equipment authentication; after successful authentication, the intermediary platform will use the telecommunication number holder The user’s ID number or unique identification code is used to query the user’s registration information (including a stored-value account), and then the intermediary platform will withdraw or convert the transfer-in account of the transfer information, and then send the transfer information to the contracting financial institution and request it Perform the transfer operation, and finally reply the transfer result to the user. In the above method, if the transfer-in account is the code of the special store, the bank account of the special store will be obtained by the background inquiry of the intermediary platform, and then sent to the financial institution for transfer. If the transfer-in account is the telecommunications number of another registered user, the intermediary platform will directly transfer the funds to the stored value account configured with the telecommunications number, or send the transfer information to the financial institution for transfer. If the transfer-in account is a non-registered user's telecommunications number, the intermediary platform will notify the telecommunications number user of the payment information, and guide the payee to complete the device verification and request to enter the payment information, and then send the transfer information and payment information to The financial institution handles the transfer. If the transfer-in account is a bank account, the intermediary platform will directly send the transfer information to the financial institution for processing; however, if the transfer-in account is a personal bank account, the intermediary platform can send the payee’s phone number in addition to the transfer information The holder's ID number or unique identification code is sent to the financial institution, and the financial institution can only transfer funds after verifying the consistency between the telecommunication number and the financial account user, so as to improve the security of the transfer.

The present invention utilizes the user equipment database stored in the actual document data or user identity confirmation as the authentication basis, and opens a registered value-stored account with the number holder as the account name by verifying the relationship between the telecommunication number and the number holder. It can prevent improper users from defrauding or stealing other people's telecommunication equipment to open an anonymous telecommunication number stored value account, and use the head account as a crime. In addition, because the stored value account is a registered account, when the mobile phone is lost or the number is returned or replaced, the user only needs to provide a certificate to prove the identity to refund the account balance.

Description of drawings

Fig. 1 is a system architecture diagram of an embodiment of the present invention;

Fig. 2 is the registration flowchart of the embodiment of the present invention;

Fig. 3 is the transfer flowchart of the embodiment of the present invention;

Fig. 4 is a withdrawal flow chart of the embodiment of the present invention.

The main part represents the symbol

100 users;

110 Telecommunications equipment;

120 intermediary platform;

130 user equipment data module;

140 Financial institutions.

Detailed ways

Referring to FIG. 1 is a schematic diagram of a preferred embodiment of the present invention. The present invention is an electronic transaction system and payment method using a telecommunication number as an account number, wherein the electronic transaction system mainly includes: a user 100, a telecommunication device 110, an intermediary platform 120, a user equipment data module 130, and at least A contracting financial institution 140 . Wherein the mobile phone user 100 uses the telecommunication equipment 110 to conduct transactions with the intermediary platform 120, and the intermediary platform 120 receives the telecommunication number of the telecommunication equipment 110 and the authentication information and transaction information input by the user 100 during the communication, and transmits them to the user equipment data module 130 (or telecommunications company) for user equipment authentication, after successful authentication, the intermediary platform 120 will receive the unique identification code of the user 100, and take out the registration information of the user 100; then the intermediary platform 120 will analyze the content of the transaction information, and send it to The contracting financial institution 140 conducts the transaction operation. After the transaction operation is completed, the financial institution 140 will reply the transaction result to the intermediary platform 120 or directly reply to the user 100 . This is the most basic structure of the present invention.

Referring to FIG. 2, it is a preferred embodiment of the registration flowchart of the system of the present invention. First, the user authenticates 201 to the intermediary platform through the telecommunication equipment, and the intermediary platform receives the telecommunication number of the telecommunication equipment and the authentication information input by the user during the communication, and transmits it to the user equipment data module (or the telecommunication company) for user equipment authentication 202; After success, the intermediary platform will obtain the unique identification code (identity) 203 of the equipment number holder from the user equipment data module (or telecommunications company), and judge whether the user is a registered user 204; if the user has not registered, the intermediary The platform will provide a set of stored value accounts with the telecom number as the account number and the unique identification code of the telecom number holder as the account name for the user 205; The stored value account of the account number is given to the user 206; the user can use the cash financial instrument to store cash into the account 207 after obtaining the stored value account.

Referring to FIG. 3, it is a preferred embodiment of the transfer transaction flow chart of the system of the present invention. First, the transferor connects to the intermediary platform through telecommunication equipment to perform user device authentication 301, and after the user completes the authentication, enters the payee’s telecommunication number and account number and the transfer amount 302, and the intermediary platform will first determine whether the payee is an intermediary after receiving the message For users 303 registered on the platform, if the payee is already a registered user, the intermediary platform will directly transfer the amount of the transferor's stored value account to the payee's stored value account 305; if the payee is not a registered user, the intermediary platform A notification will be sent to the payee's telecommunication number device to notify the payment information 304. After receiving the notification, the payee can choose whether to register directly 306. If the payee chooses to register, he must connect to the intermediary platform to register the payee. Device authentication and registration procedure 307. After the payee registers successfully, the intermediary platform opens a group of accounts with the telecommunication number as the account number for the payee 308, and then the intermediary platform directly transfers the amount of the transferor's stored value account to the payee If the payee chooses not to register, he must go online to the intermediary platform and enter the telecom number and bank account number 309, and the intermediary platform will take out the payee information from the user equipment data module, and then send the payee information, Information such as the bank account number, the stored value account of the transferor, and the transfer amount are sent to the contracting financial institution, and the financial institution verifies whether the bank account holder and the payee are the same person 310, and the transfer operation is performed only after the verification is satisfied 311, and finally Reply the transfer result to both transaction parties 312 .

Referring to FIG. 4, it is a preferred embodiment of the withdrawal flow chart of the system of the present invention. First, the user connects to the intermediary platform through a telecommunications device to complete identity authentication 401. The intermediary platform will ask the user to provide the bank account for payment 402. Afterwards, the intermediary platform will obtain the user's personal information from the user device data module, and then the intermediary platform will inquire about the user's personal information. The information and the receiving bank account are sent to the contracting financial institution. After receiving the message, the financial institution will verify whether the account holder and the user's personal information are the same person 403. The processing result is sent back to the user 405 .

The above detailed description is a specific description of a feasible embodiment of the present invention, but the embodiment is not intended to limit the patent scope of the present invention, and any equivalent implementation or change that does not depart from the technical spirit of the present invention shall be included in the within the patent scope of this case.

Claims (30)

1. An electronic transaction system using a telecommunication number as an account number, characterized in that it includes: (1) Telecommunications equipment, used to input and transmit user equipment authentication information or transaction information; (2) User equipment data module, used to receive and process user equipment authentication information transmitted by the intermediary platform; (3) At least one contracting financial institution is used to receive and process traders required by the intermediary platform to transmit transaction information; (4) An intermediary platform, for receiving and judging the user equipment authentication information or transaction information transmitted by the telecommunications equipment, and sending them to the user equipment data module or the contracted financial institution for processing according to the judgment results, and completing the processing Then reply to the user telecommunication equipment module via the intermediary platform; (5) A stored value account is an account with a telecommunication number as the account number. 2. The electronic transaction system using a telecommunication number as an account according to claim 1, wherein the telecommunication device transmits information to the intermediary platform by dialing a dedicated voice line, multimedia text message, text message, or telecommunications network connection, wherein The delivery information is at least one telecommunication number information. 3. The electronic transaction system with a telecommunication number as an account number as claimed in claim 1, wherein the user equipment data module includes a database, and the user equipment data in the database must verify the identity of the user with legally valid certificates , to be recorded and stored. 4. The electronic transaction system using telecommunication numbers as account numbers according to claim 1, wherein the user equipment data module includes a database, which is a user equipment number database of a telecommunication institution. 5. The electronic transaction system using a telecommunication number as an account according to claim 1, wherein the intermediary platform transmits information to the telecommunication equipment through voice, multimedia short message, short message, email, fax, or instant messaging way to contact users. 6. The electronic transaction system using a telecommunication number as an account according to claim 1, wherein the intermediary platform is a contracting party with at least one telecommunication institution, and the platform transmits user equipment authentication information and telecommunication number to the contracting telecommunication institution User equipment number database or telecommunication equipment authentication mechanism to verify user telecommunication equipment. 7. The electronic transaction system using a telecommunication number as an account according to claim 6, wherein the telecommunication institution generates a response message according to the verification result, which will be returned to the telecommunication device directly or via an intermediary platform for display. 8. The electronic transaction system using a telecommunication number as an account number according to claim 1, wherein the intermediary platform is a contracting party with at least one financial institution, and has established a communication agreement with each contracting financial institution. 9. The electronic transaction system using a telecommunication number as an account number as claimed in claim 8, wherein the financial institution generates a response message according to the processing result, which is delivered to the telecommunication device via the intermediary platform and displayed . 10. The electronic transaction system using a telecommunication number as an account number according to claim 1, wherein the stored value account is a registered account with a telecommunication number as an account number and a telecommunication device holder as an account name. 11. The electronic transaction system using telecommunication numbers as account numbers according to claim 10, wherein the stored value account data and deposits are stored in the contracting financial institution or a financial institution designated by the contracting telecommunication institution. 12. The electronic transaction system using the telecommunication number as the account number according to claim 11, wherein the intermediary platform transmits the transaction information of the telecommunication equipment to the contracting financial institution that stores the stored value account, and the contracting financial institution handles the transaction information. 13. The electronic transaction system using telecommunication numbers as account numbers according to claim 10, wherein the stored value account data is stored in the intermediary platform, and the account deposit is stored in the contracting financial institution. 14. The electronic transaction system using telecommunication numbers as account numbers according to claim 13, wherein the intermediary platform transmits transaction information of telecommunication equipment not recorded in the stored value account of the intermediary platform to the contracting financial institution for processing, and the intermediary platform The contracting financial institution processes the transaction information. 15. The electronic transaction system using a telecommunication number as an account according to claim 13, wherein the intermediary platform processes the transaction information of the telecommunication equipment recorded in the stored value account of the intermediary platform. 16. The electronic transaction system using telecommunication numbers as account numbers according to claim 10, wherein the stored value account data is stored in the contracting telecommunication institution, and the account deposit is stored in the financial institution designated by the contracting telecommunication institution or the contracting financial institution. mechanism. 17. The electronic transaction system using telecommunication numbers as account numbers according to claim 16, wherein the intermediary platform transmits the transaction information of telecommunication equipment to the contracting telecommunication institution that stores the stored value account, and the contracting telecommunication institution handles the transaction information. 18. An electronic transaction system and payment method using a telecommunication number as an account number, characterized in that it comprises the steps of: a. The user communicates with the intermediary platform through telecommunication equipment, and transmits authentication information or transaction information; b. After the intermediary platform receives the telecommunication number of the telecommunication equipment and the authentication information entered by the user during the communication, it transmits it to the telecommunication company for user equipment authentication; c. The authentication is successful, and the intermediary platform obtains the user registration information of the telecommunications equipment after obtaining the unique identification code of the equipment number holder; d. The intermediary platform transmits the transaction information and user registration information to a contracting financial institution for transaction operations; e. Return the processing result of the transaction information to the user's telecommunication equipment. 19. The electronic payment method using a telecommunication number as an account number according to claim 18, wherein the authentication information is transmitted or input to the intermediary platform after the authentication of the user equipment is completed. 20. The electronic payment method using a telecommunication number as an account number as claimed in claim 18, wherein the user equipment authentication method is further combined with SIM card authentication, telecommunication line authentication, or SMS one-time password authentication in addition to account password authentication mechanism. 21. The electronic payment method using a telecommunication number as an account number according to claim 18, wherein the user registration information includes a stored value account using a telecommunication number as an account number. 22. The electronic payment method using a telecommunication number as an account number as claimed in claim 18, wherein the intermediary platform will provide the user with a set of stored-value accounts using the current telecommunication number as the account number when the user registration information has not been established. 23. The electronic payment method with a telecommunication number as an account number as claimed in claim 22, wherein the user's stored value account utilizes ATM, network ATM, counter handling, purchase stored value card or credit card financial channel stored value . 24. The electronic payment method using a telecommunication number as an account number according to claim 18, wherein the user can dial a dedicated voice line, multimedia text message, text message, or telecommunication network connection to communicate with the intermediary platform through the telecommunication equipment. 25. The electronic payment method using a telecommunication number as an account number according to claim 18, wherein the transaction information at least includes a payee account number and a transaction amount. 26. The electronic payment method using a telecommunication number as an account number as claimed in claim 25, wherein the payee account number is a telecommunication number, a company legal person bank account, a special store code, or a virtual account of a business unit. 27. The electronic payment method using a telecommunication number as an account number as claimed in claim 26, wherein when the payee account number is a telecommunication number and the payee is not a registered user, the following steps may be included: f. The intermediary platform sends a payment notification to the payee's telecommunication number device; g. The payee communicates with the intermediary platform through telecommunication equipment, and transmits authentication information and payment information (including at least one payee's bank account); h. After the intermediary platform receives the telecommunication number of the payee's telecommunication equipment and the authentication information entered by the user during the communication, it sends it to the telecommunications company for user device authentication; if the authentication is successful, the intermediary platform obtains the unique identification code of the payee's telecommunication number holder; i. The intermediary platform transmits the transfer information, the unique identification code of the payee's telecommunications number holder, and the payment information to the contracting financial institution; j. The financial institution must confirm that the bank account holder and the payee's telecommunications number holder in the collection information are the same person before they can conduct the transaction. 28. The electronic payment method using a telecommunication number as an account number as claimed in claim 25, wherein the payee account number is a bank account of a natural person or the like. 29. The electronic payment method using a telecommunication number as an account number as claimed in claim 28, wherein, when the bank account of a natural person is a user's personal account, it comprises the following steps: k. The intermediary platform takes out user registration information and account information and transmits them to the financial institution to which the natural person's account belongs; l. The financial institution can only transfer funds to the natural person bank account designated by the user after confirming that the natural person account holder and the user's registration information are the same person. 30. The electronic payment method using a telecommunication number as an account number according to claim 18, wherein the transaction information transmitted by the user through the telecommunication equipment is also input to the intermediary platform after the user equipment authentication is completed.

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