TWI693570B - System and method of transaction using credit card - Google Patents
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本發明是有關於一種金融安全交易技術,且特別是有關於一種使用***的交易系統與使用***的交易方法。The invention relates to a financial security transaction technology, and in particular to a transaction system using a credit card and a transaction method using a credit card.
隨著網路交易的盛行,線上刷卡結帳的行為已普及於國人的生活之中。對於提供刷卡的網路服務公司而言,線上刷卡的安全防護即成為一個重要的課題。為了強化線上刷卡的安全性,發卡銀行多採用3-D安全技術(3-D secure),也就是在進行刷卡結帳時,必須再輸入一組3-D驗證密碼才能完成交易,因而提升交易的安全度。With the prevalence of online transactions, online credit card checkout has become popular in the lives of Chinese people. For network service companies that provide card swiping, the security protection of online card swiping has become an important issue. In order to strengthen the security of online card swiping, card-issuing banks mostly use 3-D secure technology (3-D secure), that is, when performing card swiping and checkout, a set of 3-D verification password must be entered to complete the transaction, thus enhancing the transaction Safety.
然而,對於消費者而言,消費者必須多記憶一組平常較少使用的3-D驗證密碼,因此常常發生忘記3-D驗證密碼而交易失敗的情形,導致消費者對於3-D驗證密碼的接受度較低。對於商家而言,為了避免影響消費者的購買意願,商家對於3-D驗證密碼多採取被動態度。在消費者與商家使用意願都很低的情形下,對於***線上交易安全之提升反而造成了阻礙。因此,如何能夠強化***的安全,同時又能夠維持客戶線上刷卡的操作體驗為本領域所面對的課題。However, for consumers, consumers must memorize a set of 3-D verification passwords that are usually less used, so it often happens that the transaction fails when the 3-D verification password is forgotten, resulting in the consumer's 3-D verification password Acceptance is low. For merchants, in order to avoid affecting consumers' willingness to purchase, merchants adopt a passive attitude toward 3-D verification passwords. Under the circumstances that consumers and merchants have low willingness to use, it has caused obstacles to the improvement of online credit card transaction security. Therefore, how to strengthen the security of the credit card and at the same time maintain the customer's online card swiping experience is a subject facing the field.
本發明提供一種使用***的交易系統及使用***的交易方法,用以強化***交易的安全性並維持使用者執行***交易時的體驗。The present invention provides a transaction system using a credit card and a transaction method using a credit card to strengthen the security of credit card transactions and maintain the user's experience when performing credit card transactions.
本揭露提供的使用***的交易系統具有通訊單元、儲存單元以及處理單元。通訊單元接收與傳送訊息。儲存單元儲存多筆個人交易資訊,每一個人交易資訊具有身分資訊、設備預設識別代碼及地理範圍設定,且設備預設識別代碼對應至電子裝置的應用程式。處理單元連接於通訊單元及儲存單元。當處理單元接收到交易請求,依據交易請求獲取相應的個人交易資訊,並判斷交易請求的交易位置是否符合地理範圍設定,當交易位置符合該地理範圍設定,處理單元依據設備預設識別代碼發送確認訊息至電子裝置。當接收到來自電子裝置的回覆訊息,處理單元判斷回覆訊息對應的回覆位置是否符合交易位置,當回覆位置符合交易位置時,處理單元依據交易請求進行交易。The transaction system using a credit card provided by the present disclosure has a communication unit, a storage unit, and a processing unit. The communication unit receives and transmits messages. The storage unit stores multiple pieces of personal transaction information, and each personal transaction information has identity information, a device default identification code, and a geographic range setting, and the device default identification code corresponds to the application of the electronic device. The processing unit is connected to the communication unit and the storage unit. When the processing unit receives the transaction request, it obtains the corresponding personal transaction information according to the transaction request, and determines whether the transaction position of the transaction request conforms to the geographic range setting. Message to electronic device. When receiving the reply message from the electronic device, the processing unit determines whether the reply position corresponding to the reply message matches the transaction position. When the reply position matches the transaction position, the processing unit performs a transaction according to the transaction request.
本揭露提供的使用***的交易方法具有步驟:接收交易請求;依據交易請求獲取相應的個人交易資訊,並判斷交易請求的交易位置是否符合個人交易資訊中的地理範圍設定,其中個人交易資訊具有身分資訊、設備預設識別代碼及地理範圍設定,且設備預設識別代碼對應至電子裝置的應用程式;當交易位置符合地理範圍設定,依據設備預設識別代碼發送確認訊息至電子裝置;接收到來自電子裝置的回覆訊息;判斷回覆訊息對應的回覆位置是否符合交易位置;以及當回覆位置符合交易位置時,依據交易請求進行交易。The transaction method using credit card provided by this disclosure has the steps of: receiving a transaction request; obtaining the corresponding personal transaction information according to the transaction request, and judging whether the transaction location of the transaction request conforms to the geographical range setting in the personal transaction information, wherein the personal transaction information has an identity Information, equipment default identification code and geographic range setting, and the equipment default identification code corresponds to the application of the electronic device; when the transaction location meets the geographic range setting, a confirmation message is sent to the electronic device according to the equipment default identification code; The reply message of the electronic device; determine whether the reply location corresponding to the reply message matches the transaction location; and when the reply location matches the transaction location, conduct the transaction according to the transaction request.
基於上述,本揭露提供的使用***的交易系統及使用***的交易方法會通過相應商家網站的交易位置與使用者的電子裝置的位置作為安全認證的依據。當交易位置、使用者的位置一致時,才會完成交易。藉此強化***交易的安全性,同時維持使用者在執行***交易時的體驗。Based on the above, the transaction system using a credit card and the transaction method using a credit card provided by the present disclosure will use the transaction location of the corresponding merchant website and the location of the user's electronic device as a basis for security authentication. The transaction will only be completed when the transaction location and the user's location match. In this way, the security of credit card transactions is strengthened, while maintaining the user's experience in performing credit card transactions.
為讓本發明的上述特徵和優點能更明顯易懂,下文特舉實施例,並配合所附圖式作詳細說明如下。In order to make the above-mentioned features and advantages of the present invention more obvious and understandable, the embodiments are specifically described below in conjunction with the accompanying drawings for detailed description as follows.
本揭露提供的使用***的交易系統及使用***的交易方法會通過接收來自商家網站的交易請求,並通過獲取交易位置與使用者的電子裝置的位置進行安全認證,以維護交易的安全性。The transaction system using a credit card and the transaction method using a credit card provided by this disclosure will receive the transaction request from the merchant's website and perform security authentication by obtaining the transaction location and the location of the user's electronic device to maintain the security of the transaction.
圖1繪示本揭露一實施例的使用***的交易系統的架構圖。請參考圖1,本揭露所提供的使用***的交易系統100具有通訊單元110、儲存單元120以及處理單元130。通訊單元110用以傳送及接收訊息。在本揭露一實施例中,通訊單元110是以通訊晶片進行實作,通訊晶片可為支援全球行動通信(Global System for Mobile communication, GSM)、個人手持式電話系統(Personal Handy-phone System, PHS)、碼多重擷取(Code Division Multiple Access, CDMA)系統、寬頻碼分多址(Wideband Code Division Multiple Access, WCDMA)系統、長期演進(Long Term Evolution, LTE)系統、全球互通微波存取(Worldwide interoperability for Microwave Access, WiMAX)系統、無線保真(Wireless Fidelity, Wi-Fi)系統或藍牙的信號傳輸的元件。FIG. 1 illustrates an architecture diagram of a transaction system using a credit card according to an embodiment of the disclosure. Please refer to FIG. 1. The
儲存單元120是用以儲存運行使用***的交易系統100時所需的軟體、資料及各類程式碼,特別是,儲存單元120儲存多筆個人交易資訊。每一筆個人交易資訊都具備身分資訊、設備預設識別代碼以及地理範圍設定。身分資訊為使用者的姓名、身分證字號/護照號碼、***卡號、手機號碼等,但本揭露並不限於此。設備預設識別代碼為使用者在首次以電子裝置中的應用程式註冊或登入時所產生的識別碼,也就是說,此設備預設識別代碼會綁定使用者電子裝置中的應用程式。地理範圍設定為使用者所設定的交易範圍,舉例來說,此地理範圍設定可以為國內、國外、國內外均可,或者是限定特定區域,例如台灣、美加等,本揭露並不限於此。儲存單元120可以是任何型態的固定或可移動隨機存取記憶體(Random Access Memory,RAM)、唯讀記憶體(Read-Only Memory,ROM)、快閃記憶體(flash memory)、硬碟(Hard Disk Drive,HDD)、固態硬碟(Solid State Drive,SSD)或類似元件或上述元件的組合。The
處理單元130連接於通訊單元110及儲存單元120。處理單元130可以是中央處理單元(Central Processing Unit,CPU),或是其他可程式化之一般用途或特殊用途的微處理器(Microprocessor)、數位信號處理器(Digital Signal Processor,DSP)、可程式化控制器、特殊應用積體電路(Application Specific Integrated Circuit,ASIC)或其他類似元件或上述元件的組合,本揭露不限於此。The
圖2繪示本揭露一實施例使用***的交易系統運行使用***的交易方法的流程圖。以下將同時搭配圖1與圖2說明如何通過比對使用者的位置與交易所在位置是否一致作為安全認證的依據。FIG. 2 illustrates a flowchart of an embodiment of the present disclosure using a credit card transaction system to run a credit card transaction method. The following will also illustrate how to compare the user's location with the exchange's location as the basis of security certification by combining Figures 1 and 2.
在步驟S210,處理單元130通過通訊單元110接收到交易請求。具體來說,在使用者於商家網站上進行交易時,商家網站必須通過使用***的交易系統100執行交易,因此商家網站必須發送交易請求至使用***的交易系統100。交易請求具有此筆交易的***刷卡資料以及交易網頁位置資訊。***刷卡資料例如但不限於刷卡人姓名、***卡號、交易安全碼。在本實施例中,交易網頁位置是以刷卡人連結至商家網站的地理位置為基礎,因此交易網頁位置資訊例如但不限於刷卡人上網的所在地址(例如:台灣台北市)。在其他實施例中,交易網頁位置資訊也可以是刷卡人連結商家網站的網際網路協定位址(Internet Protocol,IP)、所在座標位置、媒體存取控制位置(Media Access Control Address,MAC位址)等,然本揭露並不限於此。任何可以讓處理單元130直接獲取刷卡人線上付款網頁所在位置的資訊,或者是通過分析比對而確認網站所在位置的資訊,都可被應用為交易網頁位置資訊。In step S210, the
在步驟S220,處理單元130依據交易請求找出相應的個人交易資訊。由於交易請求中具有***刷卡資料,處理單元130可以基於***卡號或/及刷卡人姓名而於儲存單元120中讀取相應的個人交易資訊。In step S220, the
在步驟S230,處理單元130判斷交易請求的交易位置是否符合地理範圍設定。詳細地說,處理單元130通過交易請求中的交易網頁位置資訊獲取交易位置,此外,處理單元130讀取的個人交易資訊中具有此使用者事先設定的地理範圍設定。基此,處理單元130會判斷交易位置是否位於地理範圍設定中。In step S230, the
當交易位置不符合地理範圍設定時,執行步驟S280,處理單元130會通過通訊單元110傳送交易失敗的訊息至電子裝置。詳細地說,處理單元130會依據步驟S220所讀取的個人交易資訊的設備預設識別代碼推播交易失敗的訊息至使用者的電子裝置,也就是說,處理單元130會將交易失敗的訊息推播到使用者預先綁定的電子裝置中。或者是,處理單元130也可以通過通訊單元110而發送訊息至使用者所留下來的電話號碼。藉此,若是使用者本人執行此交易時,其可明確得知交易失敗的原因;而若非使用者本人執行此交易時,使用者可以快速的獲知有非法人士想要盜刷***。When the transaction location does not meet the geographical range setting, step S280 is executed, and the
舉例來說,使用者所預先設定的地理範圍設定為「國內」。當交易位置在美國時,於步驟S230中,處理單元130會判斷交易請求的交易位置不符合地理範圍設定,因而執行步驟S280,依據設備預設識別代碼而將交易失敗的訊息推播到使用者預先綁定的電子裝置中。然若當交易位置在台灣台北市時,於步驟S230中,處理單元130會判斷交易位置符合地理範圍設定,因而接續執行步驟S240。For example, the geographical range preset by the user is set to "domestic". When the transaction location is in the United States, in step S230, the
在步驟S240,處理單元130會依據設備預設識別代碼發送確認訊息至電子裝置。確認訊息具有但不限於:交易日期、交易金額以及店家資訊,藉此以讓使用者確認此筆消費交易。此外,此確認訊息並同時請求使用者的電子裝置回傳具有回覆位置資訊的回覆訊息。在本實施例中,使用者必須在預設時間(例如:180秒)內按下確認鍵,以確保交易的即時與安全性。若使用者沒有在預設時間內按下確認鍵,則處理單元130會拒絕此筆交易,並發送交易失敗的訊息至使用者的電子裝置。而當使用者按下確認鍵時,電子裝置會自動擷取電子裝置的位置資訊,例如:回覆位置資訊,回傳回覆訊息,並通過通訊單元110被傳送到至處理單元130。In step S240, the
在步驟S250,處理單元130接收到來自電子裝置的回覆訊息。回覆訊息中具有電子裝置的回覆位置資訊,舉例來說,回覆位置資訊可以為電子裝置的全球定位系統位置(Global Positioning System,GPS)、電子裝置通過WiFi定位所獲取的定位位置等,但本揭露不限於此。In step S250, the
在步驟S260,處理單元130會進一步判斷回覆訊息的回覆位置是否符合交易位置。承前述實施例,若交易位置在台灣台北市,然處理單元130依據回覆訊息中的回覆位置資訊得知,電子裝置的回覆位置在於日本,則表示這筆交易與使用者所在位置並不相符,並非由使用者本人所執行。此時,執行步驟S280,處理單元130會通過通訊單元110傳送交易失敗的訊息至電子裝置。需說明的是,由於回覆位置與交易位置可能會因為判斷位置的依據不同而導致位置、精度有所差異,因此在判斷回覆位置是否符合交易位置時,可以以一個區域為一致的標準,例如:位於同一個國家、同一個城市等,本揭露並不限制區域的大小與範圍。In step S260, the
在本揭露的其他實施例中,為了確保回覆位置沒有被竄改或者飄移太遠,在步驟S250的回覆訊息中更具有第一回覆位置訊息以及第二回覆位置訊息。並在步驟S260中,處理單元130會判斷第一回覆位置及第二回覆位置是否都符合交易位置(例如:是否位於相同的國家或城市)。In other embodiments of the present disclosure, in order to ensure that the reply position has not been tampered with or drifted too far, the reply message in step S250 further has a first reply position message and a second reply position message. In step S260, the
詳細來說,承前步驟S210所述,交易位置是刷卡人開啟商家網站之網頁IP位址。而步驟S250的回覆訊息中,第一回覆位置訊息是電子裝置的全球定位系統位置(Global Positioning System,GPS),第二回覆位置訊息是通過WiFi定位所獲取的定位位置。處理單元130會分別判斷交易位置與第一回覆位置是否一致,以及交易位置與第二回覆位置是否一致。藉此,以判斷交易位置、第一回覆位置以及第二回覆位置是否皆一致。若任一位置與其他兩個位置之間不一致,執行步驟S280,處理單元130會通過通訊單元110傳送交易失敗的訊息至電子裝置。In detail, as described in the previous step S210, the transaction location is the IP address of the webpage of the merchant website opened by the card reader. In the reply message of step S250, the first reply location message is the global positioning system (GPS) position of the electronic device, and the second reply location message is the positioning location obtained through WiFi positioning. The
倘若回覆訊息的回覆位置與交易位置一致,在步驟S270,處理單元130依據交易請求進行交易。處理單元130會將定位資料、交易日期、時間、消費內容等資料留存在儲存單元120作為日後舉證的依據。並且,處理單元130會通過通訊單元110回傳交易成功的訊息至商家網站以及使用者的電子裝置,藉此以通知使用者交易成功。If the reply position of the reply message is consistent with the transaction position, in step S270, the
須說明的是,為了尊重使用者對於使用***的交易系統100及使用***的交易方法的體驗,並且確保電子裝置確實為使用者所擁有的,在開始使用***的交易系統100與使用***的交易方法前,使用者需通過電子裝置而於使用***的交易系統100中進行登入與註冊,藉此以讓使用***的交易系統100執行身分認證方法。以下將說明通過電子裝置而於使用***的交易系統100中進行登入與註冊,並讓使用***的交易系統100執行身分認證的方法。It should be noted that in order to respect the user’s experience with the
首先,使用者必須先於電子裝置中下載指定的應用程式(例如:銀行專用的應用程式),並於此應用程式中輸入註冊/登入資訊。註冊/登入資訊例如但不限於:身分證字號、出生年月日、***卡號以及安全驗證碼等資料,以及同意應用程式可以持續讀取電子裝置的全球衛星定位資訊、透過WiFi獲取的定位資訊及讀取網頁IP位址等位置資訊。使用者於電子裝置中執行完上述步驟後,通過電子裝置而將使用者所輸入的註冊/登入資訊傳送到使用***的交易系統100中。First, the user must first download the specified application (for example, a bank-specific application) in the electronic device, and enter the registration/login information in this application. Registration/login information such as but not limited to: ID card number, date of birth, credit card number and security verification code, etc., and agree that the application can continuously read global satellite positioning information of electronic devices, positioning information obtained through WiFi and Read location information such as web page IP address. After performing the above steps in the electronic device, the user transmits the registration/login information input by the user to the
當處理單元130接收到由此應用程式首次傳送的註冊/登入資訊時,處理單元130會連線至銀行的資料庫,並於銀行的資料庫中獲取相應註冊/登入資訊中的使用者身分資訊的手機號碼(即:經過銀行認證並儲存的手機號碼)。處理單元130會發送簡訊驗證碼至此手機號碼之中。When the
當使用者通過其手機接收到此簡訊驗證碼時,必須於電子裝置的應用程式中輸入此簡訊驗證碼。處理單元130於收到使用者的簡訊驗證碼時,會比對其所發送至手機號碼的簡訊驗證碼以及接收到來自使用者輸入的簡訊驗證碼是否一致。當發送至手機號碼的簡訊驗證碼以及接收到來自使用者輸入的簡訊驗證碼一致時,表示確實是由使用者本人在此應用程式中執行的註冊/登入行為,因而完成身分驗證程序。處理單元130依據此註冊/登入資訊、安裝日期及時間以及手機軟、硬體資訊等內容,以雜湊演算法(Hash function)進行運算,以產生唯一的設備預設識別代碼。處理單元130並將使用者的註冊/登入資訊以及此設備預設識別代碼儲存至儲存單元120,藉此以綁定使用者電子裝置中的應用程式。在本揭露的一實施例中,每當使用者移除此應用程式並重新安裝,或者當使用者更換電子裝置並重新下載此應用程式時,都會被視為是第一次透過應用程式進行註冊/登入。也就是說,每當使用者移除此應用程式並重新安裝,或者當使用者更換電子裝置並重新下載此應用程式時,都必須要重新通過電子裝置而於使用***的交易系統100中進行登入,並讓使用***的交易系統100執行身分認證程序以及更新設備預設識別代碼。藉此,以確保應用程式確實是由使用者重新下載與登入的。When the user receives the SMS verification code through their mobile phone, they must enter the SMS verification code in the application of the electronic device. When the
於經過身分驗證程序之後,使用者即可在此應用程式中設定地理範圍設定(例如:國內、國外、美加、歐洲等)。在本實施例中,為了維持交易的安全性,若使用者並未在此應用程式中設定地理範圍設定時,此應用程式會將地理範圍設定預設為國內。然在其他實施例中,應用程式也可以將此地理範圍設定維持空值,並當處理單元130判斷此地理範圍設定為空值時,拒絕所有的交易請求。After going through the identity verification process, users can set the geographic range settings in this application (for example: domestic, foreign, American, Canadian, European, etc.). In this embodiment, in order to maintain the security of the transaction, if the user does not set the geographic range setting in this application, the application will preset the geographic range setting to domestic. However, in other embodiments, the application may also maintain the null value of the geographic range setting, and when the
為了減少對使用者的干擾,在本實施例中,使用者重新下載此應用程式,並經過身分驗證程序後,處理單元130可以保留先前應用程式中所設定的地理範圍設定,以降低使用者設定的麻煩性。In order to reduce the interference to the user, in this embodiment, after the user downloads the application again, and after undergoing the identity verification process, the
綜上所述,本揭露提供的使用***的交易系統及使用***的交易方法會通過相應商家網站的交易位置與使用者的電子裝置的位置作為安全認證的依據,並通過多種定位方式交叉比對使用者的位置與交易的位置。當交易位置、使用者的位置一致時,才會完成交易。藉此使用者即便不記得額外的密碼,仍然可以強化***交易的安全性,降低***被盜刷的可能。同時,也維持了使用者在執行***交易時的體驗。In summary, the transaction system using a credit card and the transaction method using a credit card provided by this disclosure will use the transaction location of the corresponding merchant website and the location of the user's electronic device as a basis for security authentication, and cross-check through multiple positioning methods The location of the user and the location of the transaction. The transaction will only be completed when the transaction location and the user's location match. Therefore, even if the user does not remember the extra password, the security of the credit card transaction can be strengthened, and the possibility of the credit card being stolen is reduced. At the same time, it also maintains the user's experience when performing credit card transactions.
雖然本發明已以實施例揭露如上,然其並非用以限定本發明,任何所屬技術領域中具有通常知識者,在不脫離本發明的精神和範圍內,當可作些許的更動與潤飾,故本發明的保護範圍當視後附的申請專利範圍所界定者為準。Although the present invention has been disclosed as above with examples, it is not intended to limit the present invention. Any person with ordinary knowledge in the technical field can make some changes and modifications without departing from the spirit and scope of the present invention. The scope of protection of the present invention shall be subject to the scope defined in the appended patent application.
100‧‧‧使用***的交易系統110‧‧‧通訊單元120‧‧‧儲存單元130‧‧‧處理單元S210~S280‧‧‧步驟100‧‧‧Transaction system using
圖1繪示本揭露一實施例的使用***的交易系統的架構圖。 圖2繪示本揭露一實施例使用***的交易系統運行使用***的交易方法的流程圖。FIG. 1 illustrates an architecture diagram of a transaction system using a credit card according to an embodiment of the disclosure. FIG. 2 illustrates a flowchart of an embodiment of the present disclosure using a credit card transaction system to run a credit card transaction method.
100‧‧‧使用***的交易系統 100‧‧‧Credit card transaction system
110‧‧‧通訊單元 110‧‧‧Communication unit
120‧‧‧儲存單元 120‧‧‧storage unit
130‧‧‧處理單元 130‧‧‧Processing unit
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