近年電子商務發展快速，透過各式的電子交易讓買方更容易支付款項給賣家，例如線上匯款、***、第三方支付等方式。其中，線上匯款是一種常用的方式。
然而，對於客戶眾多的賣家而言，僅靠單一帳戶收款在管理上相當困難，因此多半會向銀行單位申請虛擬帳戶，透過一交易一帳戶的方式來管理收款狀態，且通常銀行也能給予優惠降低賣家成本，因此虛擬帳戶是電子商務中一項常用的服務。
惟實務上，虛擬帳戶卻容易被有心人士利用，成為詐騙的工具。例如，A買家向B賣家下單，取得B賣家提供的虛擬帳戶，之後A買家在佯裝兜售商品給C買家，將B賣家的虛擬帳戶提供給C買家，C買家則匯款至該虛擬帳戶，B賣家以為收到款項便出貨給A買家，形成C買家受騙而幫A買家付款，C買家卻未收任何商品的詐騙案。
因此，如何從銀行端來防範上述的詐騙案件發生，便是本領域具通常知識者值得去思量的。
In recent years, the rapid development of e-commerce has made it easier for buyers to pay sellers through various electronic transactions, such as online remittance, credit card, and third-party payment. Among them, online remittance is a common way.
However, for sellers with a large number of customers, it is quite difficult to manage the collection of funds only by a single account. Therefore, most of them will apply for a virtual account to the bank, and manage the payment status through one transaction and one account, and usually banks can also Giving discounts reduces seller costs, so virtual accounts are a commonly used service in e-commerce.
However, in practice, virtual accounts are easy to be used by interested parties and become tools for fraud. For example, buyer A places an order with seller B and obtains a virtual account provided by seller B. Then buyer A pretends to sell goods to buyer C, provides seller B’s virtual account to buyer C, and buyer C sends money to With this virtual account, seller B thought it received the payment and shipped it to buyer A, which resulted in a fraud case in which buyer C was cheated and helped buyer A pay, but buyer C did not receive any goods.
Therefore, how to prevent the above-mentioned fraud cases from the bank side is worth considering for those with ordinary knowledge in this field.
本創作提供一種虛擬帳戶驗證系統與方法，可在買方支付時驗證虛擬帳號，即時確認虛擬帳號是否被挪用。
本創作提供一種虛擬帳戶驗證系統，包括一賣家裝置、一買家裝置、一交易系統及一伺服主機。賣家裝置適於輸入一訂單資訊。買家裝置適於輸入一交易資訊。交易系統通訊連接至該買家裝置，並接收該交易資訊。伺服主機，通訊連接至該賣家裝置與該交易系統，該伺服主機包括一第一編碼模組、一第二編碼模組與一比對模組。第一編碼模組適於接收該訂單資訊，並根據一序號表將該訂單資訊轉換成一虛擬帳戶編碼，並回傳至該賣家裝置。第二編碼模組適於接收該交易資訊，並根據該序號表將該交易資訊轉換為一交易編碼。比對模組適於比對該虛擬帳戶編碼與該交易編碼，並產生一比對結果，該比對結果被傳送至該交易系統。其中，該交易系統接收該比對結果，若該比對結果為相符，該交易系統根據該交易資訊執行交易。其中，該交易系統接收該比對結果，若該比對結果為不相符，該交易系統暫停交易並產生一警告訊息並傳送置該賣家裝置與該買家裝置。
上述之虛擬帳戶驗證系統，其中，該訂單資訊與該交易資訊包括多個商品類型資訊、多個交易成員資訊與多個交易金額資訊。
上述之虛擬帳戶驗證系統，其中，該序號表包括多個數列，這些數列對應至該商品類型資訊、該交易成員資訊與該交易金額。
上述之虛擬帳戶驗證系統，其中，該第一編碼模組是將該訂單資訊中的該商品類型資訊、該交易成員資訊與該交易金額對應的多個數列進行排列，產生該虛擬帳戶編碼。
上述之虛擬帳戶驗證系統，其中，該第二編碼模組是將該交易資訊中的該商品類型資訊、該交易成員資訊與該交易金額對應的多個數列進行排列，產生該交易編碼。
本創作還提供一種虛擬帳戶驗證的方法，包括：
S10：提供一訂單資訊；
S20：根據一序號表將該訂單資訊轉換成一虛擬帳戶編碼；
S30：提供一交易資訊；
S40：根據該序號表將該交易資訊轉換成一交易編碼；
S50：比較該虛擬帳戶編碼與該交易編碼；及
S60：若該虛擬帳戶編碼與該交易編碼不相符，產生一警告訊息。
上述之虛擬帳戶驗證的方法，其中，該訂單資訊與該交易資訊包括多個商品類型資訊、多個交易成員資訊與多個交易金額資訊。
上述之虛擬帳戶驗證的方法，其中，該序號表中包括多個數列，該數列是對應至該商品類型資訊、該交易成員資訊與該交易金額。
上述之虛擬帳戶驗證的方法，其中，在步驟S20與步驟S40中，是從序號表中選出對應至該商品類型資訊、該交易成員資訊與該交易金額的該數列，並將該數列排列，得到虛擬帳戶編碼與交易編碼。
This creation provides a virtual account verification system and method, which can verify the virtual account when the buyer pays, and instantly confirm whether the virtual account has been misappropriated.
This creation provides a virtual account verification system, including a seller device, a buyer device, a transaction system, and a server host. The seller device is suitable for inputting an order information. The buyer device is suitable for inputting transaction information. The transaction system is communicatively connected to the buyer's device and receives the transaction information. The server host is communicatively connected to the seller's device and the transaction system. The server host includes a first encoding module, a second encoding module and a comparison module. The first coding module is adapted to receive the order information, convert the order information into a virtual account code according to a sequence number table, and send it back to the seller device. The second coding module is adapted to receive the transaction information and convert the transaction information into a transaction code according to the sequence number table. The comparison module is adapted to compare the virtual account code with the transaction code, and generate a comparison result, which is sent to the transaction system. Wherein, the transaction system receives the comparison result, and if the comparison result is consistent, the transaction system executes the transaction according to the transaction information. Wherein, the transaction system receives the comparison result, and if the comparison result is inconsistent, the transaction system suspends the transaction, generates a warning message, and transmits and sets the seller device and the buyer device.
In the aforementioned virtual account verification system, the order information and the transaction information include multiple product type information, multiple transaction member information, and multiple transaction amount information.
In the aforementioned virtual account verification system, the sequence number table includes a plurality of series of numbers corresponding to the commodity type information, the transaction member information, and the transaction amount.
In the above virtual account verification system, the first coding module arranges a plurality of series corresponding to the commodity type information, the transaction member information, and the transaction amount in the order information to generate the virtual account code.
In the virtual account verification system described above, the second coding module arranges a plurality of series corresponding to the commodity type information, the transaction member information, and the transaction amount in the transaction information to generate the transaction code.
This creation also provides a method of virtual account verification, including:
S10: Provide an order information;
S20: Convert the order information into a virtual account code according to a sequence number table;
S30: Provide a transaction information;
S40: Convert the transaction information into a transaction code according to the sequence number table;
S50: Compare the virtual account code with the transaction code; and
S60: If the virtual account code does not match the transaction code, a warning message is generated.
In the virtual account verification method described above, the order information and the transaction information include multiple product type information, multiple transaction member information, and multiple transaction amount information.
In the virtual account verification method described above, the sequence number table includes a plurality of series, and the series corresponds to the product type information, the transaction member information, and the transaction amount.
In the method of virtual account verification described above, in step S20 and step S40, the number sequence corresponding to the commodity type information, the transaction member information and the transaction amount is selected from the sequence number table, and the sequence is arranged to obtain Virtual account code and transaction code.
本創作提供一種虛擬帳戶驗證系統，透過編碼訂單資訊與交易資訊，並比較其編碼結果確認交易內容是否正確，達到防範詐騙的功效。
請參閱圖1，圖1所繪示為本創作之虛擬帳戶驗證系統。本創作之虛擬帳戶驗證系統100包括一賣家裝置110、一買家裝置120、一交易系統130與一伺服主機140。賣家裝置110是指賣家所使用的裝置，可為個人電腦或智慧型手機。賣家裝置110適於輸入一訂單資訊，訂單資訊中包括了多個商品類型資訊、多個交易成員資訊與多個交易金額資訊。
進一步的說，當賣家與買家的買賣成立時，此時賣家可透過賣家裝置110建立訂單，並將買賣的內容如商品類型、交易成員、金額等資訊都輸入至賣家裝置110中。所輸入的訂單資訊便會傳送至伺服主機140中，即賣家可透過傳送訂單資訊的方式向伺服主機140申請虛擬帳戶，供交易使用。
買家裝置120則是買家所使用的裝置，特別是用以進行支付交易的裝置，依據交易的形式不同，買家裝置120可為不同類型的裝置。例如為智慧型手機（網路銀行APP轉帳）、個人電腦（線上ATM轉帳）或自動櫃員機（實體ATM轉帳）等。買家裝置120適於輸入一交易資訊，交易資訊中包括了多個商品類型資訊、多個交易成員資訊與多個交易金額資訊，其中交易資訊還會包括對應的虛擬帳戶編碼，即是支付款項的對象。交易資訊的內容與訂單資訊的內容相似。在本實施例中，當買家透過買家裝置120進行支付交易時，除了習知需要輸入的交易成員與交易金額，還要輸入商品類型的資料。而這些交易資訊會傳送至交易系統120中。
交易系統130是銀行單位執行交易的系統，如確認轉帳進行交易的系統。交易系統130是通訊連接至買家裝置120，並接收交易資訊。而交易系統130在收到交易資訊後會將交易資訊轉送至伺服主機140進行確認。
伺服主機140是通訊連接至賣家裝置110與交易系統130，並且分別接收訂單資訊與交易資訊。伺服主機140包括一第一編碼模組141、一第二編碼模組142與一比對模組143。
第一編碼模組141適於接收來自賣家裝置110的訂單資訊，並根據一序號表將訂單資訊轉換成一虛擬帳戶編碼，並回傳至賣家裝置110。即是賣家將訂單資訊提供至伺服主機140，伺服主機140根據訂單的內容產生一虛擬帳號提供給賣家，讓賣家可使用該虛擬帳號與買家進行交易。
在本實施例中，序號表中包括了多個數列，這些數列是對應至商品類型、交易成員與交易金額，而第一編碼模組141便是將這些對應至商品類型、交易成員與交易金額的數列進行排列，從而產生虛擬帳戶編碼。例如交易成員對應的數列為賣家編號502212。商品類型為食物，對應的數列為33051。交易金額一千元，對應的數列為00012。排列上述三個數列即得到5022123305100012的16碼虛擬帳戶編碼。在一實施例中，虛擬帳戶編碼中還包括一邏輯碼，並且對應商品類型、交易成員與交易金額的數列均為5碼。邏輯碼是對應數列的排列方式，例如交易成員對應的數列為賣家編號50221。商品類型為食物，對應的數列為33051。交易金額一千元，對應的數列為00012。以正排列的方式得到5022133051000121，第16的1即為邏輯碼，對應的排列方式則是正排列。
伺服主機140的第二編碼模組142適於接收來自交易系統130的交易資訊，並根據序號表將交易資訊轉換成一交易編碼。也就是說買家所提供的交易資訊會經由交易系統130傳送至伺服主機140。伺服主機140則將交易資訊轉換成一交易編碼。第二編碼模組142轉換交易資訊的方式與第一編碼模組141相當，是根據交易資訊中的商品類型、交易成員與交易金額，將所對應的數列排列而且得該交易編碼。
比對模組143適於比較虛擬帳戶編碼與交易編碼，並產生一比對結果，比對結果會傳送至交易系統130。在本實施例中，比對模組143是比對交易資訊中的較虛擬帳戶編碼以及第二編碼模組142根據交易資訊產生的交易編碼。比對結果則是虛擬帳戶編碼與交易編碼相符或不相符。而交易系統130接收到比對結果後，若比對結果為相符，則交易系統根據交易資訊執行交易。若比對結果為不相符，則交易系統產生一警告訊息並傳送至賣家裝置110與買家裝置120。
在一實施例中，比對模組143從可從交易資訊中得到虛擬帳號編碼、商品類型、交易成員與交易金額等資訊。此時由第二編碼模組142取得商品類型、交易成員與交易金額所對應的數列，並從虛擬帳號編碼取得邏輯碼，進一步根據邏輯碼排列從第二編碼模組142取得的數列，而得到交易編碼。接下來便可比對虛擬帳戶編碼與交易編碼
由於虛擬帳戶編碼與交易編碼均是經由序號表所產生。因此虛擬帳戶編碼與交易編碼相符，表示所對應的訂單資訊與交易資訊是相符的，進一步可表示賣家提供的虛擬帳戶編碼並未被挪作他用。反之，虛擬帳戶編碼與交易編碼不相符，表示虛擬帳戶編碼可能被挪作他用，因此透過傳送警告訊息至賣家裝置110與買家裝置120，對買賣雙方進行警告。
舉例來說，當賣家與第一買家達成買賣協議，賣家透過賣家裝置110以訂單資訊向伺服主機140申請，取得虛擬帳戶編碼。賣家將虛擬帳戶編碼提供給第一買家，讓第一買家進行轉帳付款。而第一買家另跟第二買家達成買賣協議，將賣家的虛擬帳戶編碼提供給第二買家，而當第二買家透過買家裝置120輸入交易資訊進行付款時，由於第一買家與第二買家的買賣協議不同於賣家與第一買家，因此交易資訊所產生的交易編碼與虛擬帳戶編碼不相符。此時交易系統130便會發出警告訊息至賣家裝置110與買家裝置120，通知賣家與第二買家，如此可避免賣家與第二買家產生損失。
請參閱圖2，圖2所繪示為本創作虛擬帳戶驗證的方法。首先，提供一訂單資訊（步驟S10），是由賣家訂單資訊，且訂單資訊中包括商品類型資訊、交易成員資訊與交易金額資訊等資訊。接著，根據序號表將該訂單資訊轉換成一虛擬帳戶編碼（步驟S20），在本實施例中，序號表中包括多個數列，這些數列是對應至商品類型資訊、交易成員資訊與交易金額資訊，進一步透過排列這些數列便可取得虛擬帳戶編碼。
之後，提供一交易資訊（步驟S30），交易資訊將由買家提供。交易資訊中包括商品類型資訊、交易成員資訊與交易金額資訊等資訊。接著，根據序號表將該交易資訊轉換成一交易編碼（步驟S40）。在步驟S40中，轉換交易資訊的方式與步驟S20相當。
得到虛擬帳戶編碼與交易編碼後，比較虛擬帳戶編碼與交易編碼後（步驟S50），在步驟S50中是比較虛擬帳戶編碼與交易編碼是否相符，在本實施例中虛擬帳戶編碼與交易編碼都是14~16碼組成的數字串，步驟S50辨識比較虛擬帳戶編碼與交易編碼中的數字串是否相符。若虛擬帳戶編碼與交易編碼不相符，則產生一警告訊息（步驟S60）。
由於賣方提供的訂單資訊與買方的交易資訊，應有相同的內容，而編碼後的虛擬帳戶編碼與交易編碼也應相同。因此若虛擬帳戶編碼與交易編碼不相同，則表示賣方的虛擬帳戶編碼被挪用，其中便會有詐騙的可能性。因此透過上述的虛擬帳戶驗證的系統與方法，即可驗證虛擬帳戶編碼與交易編碼是否相符。進一步在買家付款（提供交易資訊）時驗證虛擬帳戶編碼與交易編碼，並發出警告訊息警告買賣雙方，達到即時防範的效果。
本發明說明如上，然其並非用以限定本創作所主張之專利權利範圍。其專利保護範圍當視後附之申請專利範圍及其等同領域而定。凡本領域具有通常知識者，在不脫離本專利精神或範圍內，所作之更動或潤飾，均屬於本創作所揭示精神下所完成之等效改變或設計，且應包含在下述之申請專利範圍內。
This creation provides a virtual account verification system, by encoding order information and transaction information, and comparing the encoding results to confirm whether the transaction content is correct, to achieve the effect of preventing fraud.
Please refer to Figure 1. Figure 1 shows the virtual account verification system created by this author. The virtual account verification system 100 of this creation includes a seller device 110, a buyer device 120, a transaction system 130, and a server 140. The seller device 110 refers to a device used by the seller, which can be a personal computer or a smart phone. The seller device 110 is adapted to input an order information, and the order information includes multiple product type information, multiple transaction member information, and multiple transaction amount information.
Furthermore, when the transaction between the seller and the buyer is established, the seller can create an order through the seller device 110 at this time, and input the content of the transaction such as product type, transaction member, amount and other information into the seller device 110. The entered order information will be sent to the server host 140, that is, the seller can apply for a virtual account to the server host 140 by sending the order information for transaction use.
The buyer device 120 is a device used by a buyer, especially a device used for payment transactions. The buyer device 120 can be a different type of device depending on the form of the transaction. For example, smart phones (online banking APP transfer), personal computers (online ATM transfer) or automated teller machines (physical ATM transfer), etc. The buyer device 120 is adapted to input a piece of transaction information. The transaction information includes multiple product type information, multiple transaction member information, and multiple transaction amount information. The transaction information also includes the corresponding virtual account code, which is the payment. Object. The content of the transaction information is similar to the content of the order information. In this embodiment, when the buyer conducts a payment transaction through the buyer device 120, in addition to the conventional transaction members and transaction amount that need to be input, the product type information is also input. The transaction information will be transmitted to the transaction system 120.
The transaction system 130 is a system for bank units to execute transactions, such as a system for confirming transfers for transactions. The transaction system 130 is communicatively connected to the buyer's device 120 and receives transaction information. After receiving the transaction information, the transaction system 130 will forward the transaction information to the server host 140 for confirmation.
The server host 140 is communicatively connected to the seller device 110 and the transaction system 130, and receives order information and transaction information, respectively. The servo host 140 includes a first encoding module 141, a second encoding module 142, and a comparison module 143.
The first coding module 141 is adapted to receive order information from the seller device 110, convert the order information into a virtual account code according to a sequence number table, and send it back to the seller device 110. That is, the seller provides the order information to the server host 140, and the server host 140 generates a virtual account according to the content of the order and provides it to the seller, so that the seller can use the virtual account to conduct transactions with the buyer.
In this embodiment, the serial number table includes multiple series of numbers, which correspond to the type of product, transaction member, and transaction amount. The first coding module 141 corresponds to the type of product, transaction member, and transaction amount. The sequence of numbers is arranged to generate a virtual account code. For example, the number column corresponding to the transaction member is the seller number 502212. The commodity type is food, and the corresponding number is 33051. The transaction amount is one thousand yuan, and the corresponding number is 00012. Arrange the above three numbers to get the 16-code virtual account code of 5022123305100012. In one embodiment, the virtual account code further includes a logical code, and the number series corresponding to the commodity type, transaction member, and transaction amount are all 5 codes. The logical code is the arrangement of the corresponding number series. For example, the number series corresponding to the transaction member is the seller number 50221. The commodity type is food, and the corresponding number is 33051. The transaction amount is one thousand yuan, and the corresponding number is 00012. Get 5022133051000121 in the positive arrangement, the 16th 1 is the logic code, and the corresponding arrangement is the positive arrangement.
The second encoding module 142 of the server host 140 is adapted to receive transaction information from the transaction system 130, and convert the transaction information into a transaction code according to the sequence number table. That is to say, the transaction information provided by the buyer will be transmitted to the server host 140 via the transaction system 130. The server host 140 converts the transaction information into a transaction code. The second coding module 142 transforms the transaction information in a manner similar to that of the first coding module 141, which is to arrange the corresponding series according to the commodity type, transaction member and transaction amount in the transaction information and obtain the transaction code.
The comparison module 143 is adapted to compare the virtual account code and the transaction code, and generate a comparison result, which will be sent to the transaction system 130. In this embodiment, the comparison module 143 compares the virtual account code in the transaction information and the transaction code generated by the second coding module 142 according to the transaction information. The result of the comparison is that the virtual account code matches or does not match the transaction code. After the transaction system 130 receives the comparison result, if the comparison result is consistent, the transaction system executes the transaction according to the transaction information. If the comparison result is inconsistent, the transaction system generates a warning message and transmits it to the seller device 110 and the buyer device 120.
In one embodiment, the comparison module 143 can obtain information such as virtual account number, product type, transaction member, and transaction amount from the transaction information. At this time, the second coding module 142 obtains the series corresponding to the commodity type, transaction member and transaction amount, and obtains the logical code from the virtual account number, and further arranges the series obtained from the second coding module 142 according to the logical code to obtain Transaction code. Then you can compare the virtual account code with the transaction code
Because the virtual account code and transaction code are both generated through the serial number table. Therefore, the virtual account code is consistent with the transaction code, which means that the corresponding order information is consistent with the transaction information, and it can further indicate that the virtual account code provided by the seller has not been misappropriated. On the contrary, the virtual account code does not match the transaction code, which means that the virtual account code may be misappropriated for other purposes. Therefore, the seller device 110 and the buyer device 120 are sent a warning message to warn both the buyer and the seller.
For example, when the seller and the first buyer reach a sale and purchase agreement, the seller applies to the server 140 with order information through the seller device 110 to obtain a virtual account code. The seller provides the virtual account code to the first buyer, allowing the first buyer to make a transfer payment. The first buyer also reached a sale and purchase agreement with the second buyer and provided the seller’s virtual account code to the second buyer. When the second buyer entered transaction information through the buyer’s device 120 for payment, the first buyer The purchase and sale agreement between the home and the second buyer is different from the seller and the first buyer, so the transaction code generated by the transaction information does not match the virtual account code. At this time, the transaction system 130 will send a warning message to the seller device 110 and the buyer device 120 to notify the seller and the second buyer, so that the seller and the second buyer can avoid losses.
Please refer to Figure 2. Figure 2 illustrates the method for authenticating the virtual account of this creation. First, provide an order information (step S10), which is the order information from the seller, and the order information includes information such as product type information, transaction member information, and transaction amount information. Then, the order information is converted into a virtual account code according to the sequence number table (step S20). In this embodiment, the sequence number table includes multiple series of numbers, which correspond to the product type information, transaction member information, and transaction amount information. The virtual account code can be obtained by further arranging these series.
After that, a transaction information is provided (step S30), and the transaction information will be provided by the buyer. The transaction information includes information such as product type information, transaction member information, and transaction amount information. Then, the transaction information is converted into a transaction code according to the sequence number table (step S40). In step S40, the method of converting the transaction information is equivalent to step S20.
After obtaining the virtual account code and the transaction code, after comparing the virtual account code and the transaction code (step S50), in step S50, it is compared whether the virtual account code and the transaction code match. In this embodiment, both the virtual account code and the transaction code are For a number string composed of 14-16 codes, step S50 identifies and compares whether the virtual account code matches the number string in the transaction code. If the virtual account code does not match the transaction code, a warning message is generated (step S60).
Since the order information provided by the seller and the transaction information of the buyer should have the same content, the coded virtual account code and transaction code should also be the same. Therefore, if the virtual account code is different from the transaction code, it means that the seller’s virtual account code has been misappropriated, and there is a possibility of fraud. Therefore, through the above-mentioned virtual account verification system and method, it is possible to verify whether the virtual account code matches the transaction code. Further verify the virtual account code and transaction code when the buyer pays (provide transaction information), and issue a warning message to warn buyers and sellers to achieve the effect of real-time prevention.
The description of the present invention is as above, but it is not intended to limit the scope of the patent rights claimed in this creation. The scope of its patent protection shall be determined by the scope of the attached patent application and its equivalent fields. Any person with ordinary knowledge in the field, without departing from the spirit or scope of this patent, makes changes or modifications that are equivalent changes or designs completed under the spirit of this creation, and should be included in the scope of the following patent application Inside.
