本發明是有關於一種授權方法及系統，特別是指一種扣款授權方法及系統。The present invention relates to an authorization method and system, and particularly to a debit authorization method and system.
付款者能夠選擇讓收款方於已被該付款者授權之銀行帳戶進行扣款的方式繳交週期性應付費用，例如保險費、電信費、貸款、有線電視費、政府機關相關費用等。The payer can choose to let the payee pay the periodic payable expenses, such as insurance premium, telecommunication fee, loan, cable TV fee, government agency-related fees, etc. by debiting the bank account authorized by the payer.
現有的扣款授權方法，是付款者利用個人電腦連接至企業伺服端，並利用個人電腦所連接的讀卡機，讀取卡片資訊，再經由該企業伺服端連接至票據交換所的電子化授權系統(Electronic Direct Debit Authorisation，eDDA)，以將該卡片資訊及授權標的(例如保險費)經由該企業伺服端傳送至電子化授權系統，以使得該電子化授權系統傳送至該付款人所屬之銀行伺服端，該銀行伺服端在接收到該卡片資訊後，直到判斷出該卡片資訊合法時，才將一核可訊息依序經由該電子化授權系統及該企業伺服端傳送至該個人電腦以供其顯示，使用者才能知悉授權成功。The current debit authorization method is that the payer uses a personal computer to connect to the corporate server, and uses a card reader connected to the personal computer to read the card information, and then connects to the electronic clearinghouse of the clearing house through the corporate server. System (Electronic Direct Debit Authorisation, eDDA) to transmit the card information and authorized subject matter (such as insurance premiums) to the electronic authorization system via the corporate server, so that the electronic authorization system is transmitted to the bank to which the payer belongs The server end, after receiving the card information, the bank server will send an approved message through the electronic authorization system and the enterprise server to the personal computer in order until it is determined that the card information is legitimate. It shows that the user can know that the authorization is successful.
然而，此種扣款授權方法至少具有以下缺陷：However, this debit authorization method has at least the following disadvantages:
(1) 每次執行此授權方法，必須藉由企業伺服端進行資料處理，而且，必須經由票據交換所的電子化授權系統在企業伺服端及銀行服務端之間進行機密資料之傳輸，故傳輸節點相對較多而耗時，且各企業伺服端的硬體效能不一致，效能難以穩定，而使得操作流程十分冗長，等待時間平均為1.5分鐘；(1) Each time this authorization method is executed, the data must be processed by the corporate server, and the confidential data must be transmitted between the corporate server and the bank server via the electronic authorization system of the clearing house. The number of nodes is relatively large and time-consuming, and the hardware performance of the server end of each enterprise is inconsistent, and the performance is difficult to stabilize, which makes the operation process very verbose, with an average waiting time of 1.5 minutes;
(2)企業伺服端僅提供一個官網入口, 在同時間僅能允許特定數量的個人電腦連線以執行授權程序；及(2) The enterprise server only provides one official website entrance, and only a certain number of personal computers can be connected at the same time to perform the authorization process; and
(3)企業伺服端所提供之網站為開放式環境，且付款者所操作之個人電腦及讀卡機品質不一致，故存有資料外洩之風險。(3) The website provided by the corporate server is an open environment, and the personal computers and card readers operated by the payers are of inconsistent quality, so there is a risk of data leakage.
因此，本發明之目的，即在提供一種扣款授權方法，能克服先前技術的至少一缺陷。Therefore, an object of the present invention is to provide a debit authorization method that can overcome at least one defect of the prior art.
於是，本發明一種扣款授權方法，由一系統執行，該系統包含一對應於一使用者的使用者端、一歸屬於一第一銀行的自動櫃員機、多個分別對應於多個不同企業的企業伺服端及一歸屬於該第一銀行且能與該使用者端、該自動櫃員機及該等企業伺服端通訊的本行服務端，該自動櫃員機儲存有一對應於該第一銀行的第一銀行代碼，該本行服務端儲存有一對照表及多筆第一客戶資料，該對照表包含多個分別對應於該等企業的企業識別資訊、多個身分識別碼、及多個授權標的，每一企業識別資訊對應於該等身分識別碼其中至少一者且每一身分識別碼對應於該等授權標的其中至少一者，每筆第一客戶資料具有一對應於由該第一銀行所核發給該第一銀行的一客戶的晶片卡的卡片識別資訊、一由該第一銀行核發給該客戶的銀行帳號、及一唯一對應於該客戶的身分識別碼，該方法包含:Therefore, a debit authorization method of the present invention is executed by a system including a user end corresponding to a user, an automatic teller machine belonging to a first bank, and a plurality of corresponding to a plurality of different enterprises, respectively. An enterprise server and a service end of the bank belonging to the first bank and capable of communicating with the user terminal, the automatic teller machine, and the enterprise server, the automatic teller machine stores a first bank corresponding to the first bank Code, the bank's server stores a comparison table and a number of first customer data. The comparison table contains multiple enterprise identification information, multiple identification numbers, and multiple authorized objects corresponding to these companies. The enterprise identification information corresponds to at least one of the identity codes and each identity code corresponds to at least one of the authorized subjects. Each first customer data has a corresponding one issued to the first bank by the first bank. Card identification information of a customer's chip card of the first bank, a bank account number issued to the customer by the first bank, and a unique identity corresponding to the customer Do code, the method comprising:
(A)藉由該自動櫃員機，讀取一個由一目標銀行所核發且對應於該使用者的晶片卡，並獲得一對應於該晶片卡的目標卡片識別資訊、一對應於該目標銀行的目標銀行代碼、及一由該目標銀行所核發且對應於該使用者的目標銀行帳號；(A) Through the ATM, read a chip card issued by a target bank and corresponding to the user, and obtain a target card identification information corresponding to the chip card, a target corresponding to the target bank A bank code and a target bank account number issued by the target bank and corresponding to the user;
(B)藉由該自動櫃員機，經人為操作產生一個授權標的請求，並將該授權標的請求傳送至該本行服務端，該授權標的請求包含一個唯一對應於該使用者的目標身分識別碼及一個唯一對應於該等企業其中一目標企業的目標企業識別資訊；(B) Through the ATM, a request for authorization subject is generated by human operation, and the request for authorization subject is transmitted to the Bank's server. The request for authorization subject includes a target identity code and a unique identifier corresponding to the user. A target company identification information that uniquely corresponds to one of the target companies of the companies;
(C)藉由該本行服務端，回應於該授權標的請求，根據該授權標的請求所包含的該目標身分識別碼、該目標企業識別資訊、及該本行服務端所儲存的該對照表，傳送一授權標的資料至該自動櫃員機以供該自動櫃員機輸出，該授權標的資料包含該對照表所具有的該等授權標的當中的至少一個參考授權標的，該至少一個參考授權標的所對應的該企業識別資訊及該身分識別碼分別相符於該授權標的請求所包含的該目標企業識別資訊及該授權標的請求所包含的該目標身分識別碼；(C) The Bank's server responds to the request of the authorized subject according to the target identification code, the target enterprise identification information contained in the request of the authorized subject, and the comparison table stored by the Bank's server And transmitting an authorized subject data to the ATM for output by the automatic teller machine, the authorized subject data includes at least one reference authorized subject among the authorized subjects included in the comparison table, and the at least one reference authorized subject corresponds to the The enterprise identification information and the identity identification code respectively correspond to the target enterprise identification information included in the authorization target request and the target identity identification code included in the authorization target request;
(D)藉由該自動櫃員機，經人為操作將該至少一個參考授權標的其中一者作為一目標授權標的，並產生一包含該目標授權標的、該目標企業識別資訊、該目標身分識別碼、該目標銀行帳號、及該目標卡片識別資訊的授權請求；(D) using the automatic teller machine to artificially operate one of the at least one reference authorization target as a target authorization target, and generate a target enterprise identification information including the target authorization target, the target identity identification code, the Authorization request for the target bank account number and the identification information of the target card;
(E) 藉由該自動櫃員機，在判斷出該目標銀行代碼相符於本身儲存的該第一銀行代碼時，將該授權請求傳送至該本行服務端；及(E) using the ATM to transmit the authorization request to the Bank's server when it is determined that the target bank code matches the first bank code stored by itself; and
(F)藉由該本行服務端，回應於該授權請求，判斷該授權請求所包含的該目標身分識別碼、該目標卡片識別資訊、該目標銀行帳號是否相符於該本行服務端所儲存的該等第一客戶資料其中一者所具有的該卡片識別資訊、該銀行帳號、及該身分識別碼，並根據該判定結果產生並儲存一指示出該判定結果的授權結果，且將該授權結果傳送至該使用者端以供其顯示，並將該授權結果根據該目標企業識別資訊傳送至對應於該目標企業識別資訊的該企業伺服端以供其儲存。(F) Using the Bank's server to respond to the authorization request, determine whether the target identification code, the target card identification information, and the target bank account number included in the authorization request match the bank's server. The card identification information, the bank account number, and the identification code possessed by one of the first customer data of the, and an authorization result indicating the determination result is generated and stored according to the determination result, and the authorization is The result is transmitted to the user terminal for display, and the authorization result is transmitted to the enterprise server corresponding to the target enterprise identification information for storage according to the target enterprise identification information.
在該扣款授權方法的一些實施態樣中，在步驟(E)中，藉由該自動櫃員機，在判斷出該目標銀行代碼相符於本身儲存的該第一銀行代碼時，不僅將該授權請求傳送至該本行服務端，還更輸出一第一提示訊息，該第一提示訊息至少包含相關於已向該第一銀行提出授權申請的內容。In some implementation aspects of the debit authorization method, in step (E), by using the ATM, when determining that the target bank code matches the first bank code stored in itself, not only the authorization request It is sent to the bank's server, and a first prompt message is also output. The first prompt message at least contains the content related to the application for authorization to the first bank.
在該扣款授權方法的一些實施態樣中，該授權請求還包含對應於該使用者端的一通訊資料，該本行服務端是根據該通訊資料將該授權結果傳送至該使用者端。In some implementation forms of the debit authorization method, the authorization request further includes a communication data corresponding to the user terminal, and the service end of the bank transmits the authorization result to the user terminal according to the communication data.
在該扣款授權方法的一些實施態樣中，該系統還包含能與該本行服務端通訊的一票交所伺服端及多個分別歸屬於多個第二銀行的他行伺服端，每一他行伺服端儲存多筆第二客戶資料，每筆第二客戶資料具有一對應於由該他行伺服端所歸屬的該第二銀行所核發給該第二銀行的一客戶的晶片卡的卡片識別資訊、一由該第二銀行核發給該客戶的銀行帳號、及一唯一對應於該客戶的身分識別碼，且該自動櫃員機還儲存有多個分別對應於該等第二銀行的第二銀行代碼，其中，該方法還包含：In some implementation forms of the debit authorization method, the system further includes a ticket exchange server capable of communicating with the bank's server and a plurality of other banks' server ends respectively belonging to a plurality of second banks. A server of another bank stores a plurality of second customer data, and each of the second client data has a chip card corresponding to a chip card issued to the second bank by the second bank owned by the server of the other bank. Card identification information, a bank account number issued to the customer by the second bank, and an identification code unique to the customer, and the ATM also stores a plurality of second Bank code, where the method also includes:
(G) 藉由該自動櫃員機，在判斷出該目標銀行代碼相符於該等第二銀行代碼其中一者時，將該授權請求傳送至該票交所伺服端，以使得該票交所伺服端根據該目標銀行代碼將接收自該自動櫃員機的該授權請求傳送至該等他行伺服端其中一對應於該目標銀行代碼的目標他行伺服端；(G) With the ATM, when it is determined that the target bank code matches one of the second bank codes, the authorization request is transmitted to the server of the clearing house so that the server of the clearing house Transmitting the authorization request received from the ATM according to the target bank code to one of the other server servers corresponding to the target server server of the target bank code;
(H)藉由該目標他行伺服端，回應於該授權請求，判斷該授權請求所包含的該目標身分識別碼、該目標卡片識別資訊、該目標銀行帳號是否相符於該目標他行伺服端所儲存的該等第二客戶資料其中一者所具有的該卡片識別資訊、該銀行帳號、及該身分識別碼，並根據該判定結果產生並儲存一指示出該判定結果的授權結果，且將該授權結果傳送至該本行服務端；及(H) Using the target server to respond to the authorization request, determine whether the target identity code, target card identification information, and target bank account number included in the authorization request match the target server The card identification information, the bank account number, and the identification code possessed by one of the stored second customer data, and an authorization result indicating the determination result is generated and stored according to the determination result, and The authorization result is transmitted to the Bank's server; and
(I)藉由該本行服務端，在接收到來自該目標他行伺服端的該授權結果時，將該授權結果傳送至該使用者端以供其顯示，並將該授權結果根據該目標企業識別資訊傳送至對應於該目標企業識別資訊的該企業伺服端以供其儲存。(I) With the service end of the bank, when receiving the authorization result from the server end of the target bank, the authorization result is transmitted to the user terminal for display, and the authorization result is based on the target enterprise. The identification information is transmitted to the enterprise server corresponding to the target enterprise identification information for storage.
在該扣款授權方法的一些實施態樣中，其中，在該步驟(G)中，該自動櫃員機在判斷出該目標銀行代碼相符於該等第二銀行代碼其中一者時，不僅將該授權請求傳送至該票交所伺服端，還更輸出一第二提示訊息，該第二提示訊息至少包含相關於已向對應於該目標銀行代碼的該第二銀行提出授權申請的內容In some implementation forms of the debit authorization method, in step (G), when the ATM determines that the target bank code matches one of the second bank codes, it not only authorizes the debit The request is transmitted to the server of the clearing house, and a second prompt message is also output. The second prompt message at least contains the content related to the application for authorization to the second bank corresponding to the target bank code.
在該扣款授權方法的一些實施態樣中，該自動櫃員機是經由一內部網路連接至該本行服務端。In some implementations of the debit authorization method, the ATM is connected to the bank's server via an internal network.
因此，本發明之另一目的，即在提供一種扣款授權方法，能克服先前技術的至少一缺陷。Therefore, another object of the present invention is to provide a debit authorization method, which can overcome at least one defect of the prior art.
一種扣款授權方法，由一系統執行，該系統包含一對應於一使用者的使用者端、一歸屬於一第一銀行的自動櫃員機、多個分別對應於多個不同企業的企業伺服端及一歸屬於該第一銀行且能與該使用者端、該自動櫃員機及該等企業伺服端通訊的本行服務端，該自動櫃員機儲存有一對應於該第一銀行的第一銀行代碼及一對照表，該對照表包含多個分別對應於該等企業的企業識別資訊、多個身分識別碼、及多個授權標的，每一企業識別資訊對應於該等身分識別碼其中至少一者且每一身分識別碼對應於該等授權標的其中至少一者，該本行服務端儲存有多筆第一客戶資料，每筆第一客戶資料具有一對應於由該第一銀行所核發給該第一銀行的一客戶的晶片卡的卡片識別資訊、一由該第一銀行核發給該客戶的銀行帳號、及一唯一對應於該客戶的身分識別碼，該方法包含:A debit authorization method is executed by a system including a user terminal corresponding to a user, an ATM belonging to a first bank, a plurality of enterprise server terminals corresponding to a plurality of different enterprises, and A service end of the bank belonging to the first bank and capable of communicating with the user terminal, the ATM, and the enterprise server, the ATM stores a first bank code corresponding to the first bank and a comparison Table, the comparison table contains a plurality of enterprise identification information, a plurality of identity identifiers, and a plurality of authorized targets respectively corresponding to the enterprises, each enterprise identification information corresponds to at least one of the identity identifiers and each The identity code corresponds to at least one of the authorized subjects. The bank's server stores multiple pieces of first customer information, and each piece of first customer information has a correspondence to the first bank issued by the first bank. Card identification information of a customer ’s chip card, a bank account number issued to the customer by the first bank, and an identification code unique to the customer, the party It includes:
(A)藉由該自動櫃員機，讀取一個由一目標銀行所核發且對應於該使用者的晶片卡，並獲得一對應於該晶片卡的目標卡片識別資訊、一對應於該目標銀行的目標銀行代碼、及一由該目標銀行所核發且對應於該使用者的目標銀行帳號；(A) Through the ATM, read a chip card issued by a target bank and corresponding to the user, and obtain a target card identification information corresponding to the chip card, a target corresponding to the target bank A bank code and a target bank account number issued by the target bank and corresponding to the user;
(B)藉由該自動櫃員機，經人為操作產生一個授權標的請求，該授權標的請求包含一個唯一對應於該使用者的目標身分識別碼及一個唯一對應於該等企業其中一目標企業的目標企業識別資訊；(B) through the ATM, a request for authorization is generated manually, the authorization request includes a target identity uniquely corresponding to the user and a target enterprise uniquely corresponding to one of the target enterprises of the enterprises Identification information
(C)藉由該自動櫃員機，根據該授權標的請求所包含的該目標身分識別碼、該目標企業識別資訊、及該自動櫃員機所儲存的該對照表，輸出一授權標的資料，該授權標的資料包含該對照表所具有的該等授權標的當中的至少一個參考授權標的，且該至少一個參考授權標的所對應的該企業識別資訊及該身分識別碼分別相符於該授權標的請求所包含的該目標企業識別資訊及該目標身分識別碼；(C) using the ATM to output an authorized subject data, the authorized subject data according to the target identity code, the target business identification information included in the request of the authorized subject, and the comparison table stored by the ATM. Containing at least one of the authorized objects in the comparison table that refers to the authorized object, and the corresponding enterprise identification information and the identity code of the at least one reference authorized object respectively match the target included in the authorized object request Business identification information and the target identification number;
(D)藉由該自動櫃員機，經人為操作將該至少一個參考授權標的其中一者作為一目標授權標的，並產生一包含該目標授權標的、該目標企業識別資訊、該目標身分識別碼、該目標銀行帳號、及該目標卡片識別資訊的授權請求；(D) using the automatic teller machine to artificially operate one of the at least one reference authorization target as a target authorization target, and generate a target enterprise identification information including the target authorization target, the target identity identification code, the Authorization request for the target bank account number and the identification information of the target card;
(E) 藉由該自動櫃員機，在判斷出該目標銀行代碼相符於本身儲存的該第一銀行代碼時，將該授權請求傳送至該本行服務端；及(E) using the ATM to transmit the authorization request to the Bank's server when it is determined that the target bank code matches the first bank code stored by itself; and
(F)藉由該本行服務端，回應於該授權請求，判斷該授權請求所包含的該目標身分識別碼、該目標卡片識別資訊、該目標銀行帳號是否相符於該本行服務端所儲存的該等第一客戶資料其中一者所具有的該卡片識別資訊、該銀行帳號、及該身分識別碼，並根據該判定結果產生並儲存一指示出該判定結果的授權結果，且根據一對應於該使用者端的通訊資料將該授權結果傳送至該使用者端以供其顯示，並將該授權結果根據該目標企業識別資訊傳送至對應於該目標企業識別資訊的該企業伺服端以供其儲存。(F) Using the Bank's server to respond to the authorization request, determine whether the target identification code, the target card identification information, and the target bank account number included in the authorization request match the bank's server. The card identification information, the bank account number, and the identification code possessed by one of the first customer data of the, and an authorization result indicating the determination result is generated and stored according to the determination result, and according to a corresponding The communication data at the user terminal transmits the authorization result to the user terminal for display, and transmits the authorization result according to the target enterprise identification information to the enterprise server corresponding to the target enterprise identification information for its Save.
本發明的又一目的，即在提供一種扣款授權系統，能克服先前技術的至少一缺陷。Another object of the present invention is to provide a debit authorization system, which can overcome at least one defect of the prior art.
因此，本發明一種扣款授權系統，適於經由一第一通訊網路與一對應於一使用者的使用者端及多個分別對應於多個不同企業的企業伺服端通訊，該系統包含一自動櫃員機及一本行服務端。該自動櫃員機歸屬於一第一銀行，具有一使用者輸入輸出介面，並儲存有一個對應於該第一銀行的第一銀行代碼。該本行服務端經由一第二通訊網路與該自動櫃員機通訊，並經由該第一通訊網路與該等企業伺服端通訊，且儲存有一對照表及多筆第一客戶資料，該對照表包含多個分別對應於該等企業的企業識別資訊、多個身分識別碼、及多個授權標的，每一企業識別資訊對應於該等身分識別碼其中至少一者且每一身分識別碼對應於該等授權標的其中至少一者，每筆第一客戶資料具有一對應於由該第一銀行所核發給該第一銀行的一客戶的晶片卡的卡片識別資訊、一由該第一銀行核發給該客戶的銀行帳號、及一唯一對應於該客戶的身分識別碼；Therefore, a debit authorization system of the present invention is adapted to communicate with a user terminal corresponding to a user and a plurality of enterprise server terminals corresponding to different enterprises via a first communication network. The system includes an automatic ATM and a bank server. The ATM belongs to a first bank, has a user input-output interface, and stores a first bank code corresponding to the first bank. The server of the bank communicates with the ATM via a second communication network, and communicates with the server of the enterprises via the first communication network, and stores a comparison table and a plurality of first customer data. The comparison table contains multiple Corresponding to the enterprise identification information, multiple identification codes, and multiple authorized objects of the enterprises, each enterprise identification information corresponds to at least one of the identification codes and each identification code corresponds to the At least one of the authorized subjects, each first customer data has a card identification information corresponding to a chip card issued by the first bank to a customer of the first bank, and one issued by the first bank to the customer Bank account number and a unique identification number corresponding to the customer;
該自動櫃員機讀取一個由一目標銀行所核發且對應於該使用者的晶片卡，並獲得一對應於該晶片卡的目標卡片識別資訊、一對應於該目標銀行的目標銀行代碼、及一由該目標銀行所核發且對應於該使用者的目標銀行帳號；The ATM reads a chip card issued by a target bank and corresponds to the user, and obtains a target card identification information corresponding to the chip card, a target bank code corresponding to the target bank, and a The target bank account issued by the target bank and corresponding to the user;
該自動櫃員機經人為操作產生一個授權標的請求，並將該授權標的請求傳送該本行服務端，該授權標的請求包含一個唯一對應於該使用者的目標身分識別碼及一個唯一對應於該等企業其中一目標企業的目標企業識別資訊；The ATM manually generates an authorization target request and transmits the request of the authorization target to the bank's server. The authorization target request includes a target identity uniquely corresponding to the user and a uniquely corresponding to the enterprises. Target company identification information of one of the target companies;
該本行服務端回應於該授權標的請求，根據該授權標的請求所包含的該目標身分識別碼、該目標企業識別資訊、及該本行服務端所儲存的該對照表，傳送一授權標的資料至該自動櫃員機以供該自動櫃員機輸出，該授權標的資料包含該對照表所具有的該等授權標的當中的至少一個參考授權標的，每一參考授權標的所對應的對照表所具有的該企業識別資訊及該身分識別碼分別相符於該授權標的請求所包含的該目標企業識別資訊及該目標身分識別碼；The Bank's server responds to the request of the authorized subject, and transmits an authorized subject data according to the target identification number, the target enterprise identification information contained in the request of the authorized subject, and the comparison table stored by the Bank's server. To the automatic teller machine for output by the automatic teller machine, the authorized subject information includes at least one reference authorized subject among the authorized subjects included in the comparison table, and each reference authorized subject has a corresponding identification table with the enterprise identification The information and the identity identification code respectively correspond to the target enterprise identification information and the target identity identification code included in the request of the authorized subject;
該自動櫃員機經人為操作將該至少一參考授權標作為一目標授權標的，並產生一包含該目標授權標的、該目標企業識別資訊、該目標身分識別碼、該目標銀行帳號、及該目標卡片識別資訊的授權請求；The automatic teller machine uses the at least one reference authorization target as a target authorization target by human operation, and generates a target authorization target, the target enterprise identification information, the target identity identification code, the target bank account number, and the target card identification. Information authorization request;
該自動櫃員機在判斷出目標銀行代碼相符於本身所儲存的該第一銀行代碼時，將該授權請求傳送至該本行服務端；When the ATM determines that the target bank code matches the first bank code stored in itself, it sends the authorization request to the bank's server;
該本行服務端回應於該授權請求，判斷該授權請求所包含的該目標身分識別碼、該目標卡片識別資訊、該目標銀行帳號是否相符於該本行服務端所儲存的該等第一客戶資料其中一者所具有的該卡片識別資訊、該銀行帳號、及該身分識別碼，並根據該判定結果產生並儲存一指示出該判定結果的授權結果，且將該授權結果傳送至該使用者端以供其顯示，並將該授權結果根據該目標企業識別資訊傳送至對應於該目標企業識別資訊的該企業伺服端以供其儲存。The Bank's server responds to the authorization request to determine whether the target identification number, the target card identification information, and the target bank account number included in the authorization request match the first customers stored in the Bank's server The card identification information, the bank account number, and the identification code possessed by one of the data are generated, and an authorization result indicating the determination result is generated and stored according to the determination result, and the authorization result is transmitted to the user Display it, and send the authorization result according to the target enterprise identification information to the enterprise server corresponding to the target enterprise identification information for storage.
在該扣款授權系統的一些實施態樣中，該自動櫃員機在判斷出該目標銀行代碼相符於本身儲存的該第一銀行代碼時，不僅將該授權請求傳送至該本行服務端，還更輸出一第一提示訊息，該第一提示訊息至少包含相關於已向該第一銀行提出授權申請的內容。In some implementation aspects of the debit authorization system, when the ATM determines that the target bank code matches the first bank code stored in itself, it not only transmits the authorization request to the bank's server, but also A first prompt message is output, and the first prompt message includes at least content related to an authorization application that has been submitted to the first bank.
在該扣款授權系統的一些實施態樣中，該授權請求還包含對應於該使用者的一通訊資料，該本行服務端是根據該通訊資料將該授權結果傳送至該使用者端。In some implementation forms of the debit authorization system, the authorization request further includes a communication data corresponding to the user, and the service end of the bank transmits the authorization result to the user end according to the communication data.
在該扣款授權系統的一些實施態樣中，該本行服務端還適於經由該第一通訊網路與一票交所伺服端及多個分別歸屬於多個第二銀行的他行伺服端通訊，每一他行伺服端儲存多筆第二客戶資料，每筆第二客戶資料具有一對應於由該他行伺服端所歸屬的該第二銀行所核發給該第二銀行的一客戶的晶片卡的卡片識別資訊、一由該第二銀行核發給該客戶的銀行帳號、及一唯一對應於該客戶的身分識別碼，其中：In some implementations of the debit authorization system, the bank's server is also adapted to communicate with the server of a clearing house and a plurality of servers of other banks respectively belonging to a plurality of second banks via the first communication network. Communication, each other's server stores multiple pieces of second customer data, each second customer data has a corresponding to a second bank issued by the second bank to which the other server belongs The card identification information of the chip card, a bank account number issued to the customer by the second bank, and an identification code unique to the customer, wherein:
該自動櫃員機還包含多個分別對應於該等第二銀行的第二銀行代碼；The ATM further includes a plurality of second bank codes respectively corresponding to the second banks;
該自動櫃員機在判斷出目標銀行代碼相符於該等第二銀行代碼其中一者時，將該授權請求傳送至該票交所伺服端，以使得該票交所伺服端根據該目標銀行代碼將接收自該自動櫃員機的該授權請求傳送至該等他行伺服端其中一對應於該目標銀行代碼的目標他行伺服端，並輸出一第二提示訊息，該第二提示訊息至少包含相關於已向對應於該目標銀行代碼的該第二銀行提出授權申請的內容；When the ATM determines that the target bank code matches one of the second bank codes, it transmits the authorization request to the server of the clearing house, so that the server of the clearing house will receive according to the target bank code. The authorization request from the ATM is transmitted to one of the other server servers corresponding to the target server code of the target bank code, and a second prompt message is output. The second prompt message includes at least the The content of the authorization application filed by the second bank corresponding to the target bank code;
該目標他行伺服端回應於該授權請求，判斷該授權請求所包含的該目標身分識別碼、該目標卡片識別資訊、該目標銀行帳號是否相符於該目標他行伺服端所儲存的該等第二客戶資料其中一者所具有的該卡片識別資訊、該銀行帳號、及該身分識別碼，並根據該判定結果產生並儲存一指示出該判定結果的授權結果，且將該授權結果傳送至該本行服務端；及The target server responds to the authorization request, and judges whether the target identification code, the target card identification information, and the target bank account number included in the authorization request match the first stored in the target server. Two pieces of customer information: the card identification information, the bank account number, and the identification code, and an authorization result indicating the determination result is generated and stored according to the determination result, and the authorization result is transmitted to the Our server; and
該本行服務端在接收到來自該目標他行伺服端的該授權結果時，將該授權結果傳送至該使用者端以供其顯示，並將該授權結果根據該目標企業識別資訊傳送至對應於該目標企業識別資訊的該企業伺服端以供其儲存。When the server of the bank receives the authorization result from the server of the target bank, it transmits the authorization result to the user terminal for display, and transmits the authorization result to the corresponding enterprise based on the target enterprise identification information. The target server identifies the enterprise server of the information for storage.
在該扣款授權系統的一些實施態樣中，該自動櫃員機在判斷出該目標銀行代碼相符於本身儲存的該第二銀行代碼時，不僅將該授權請求傳送至該票交所伺服端，還更輸出一第二提示訊息，該第二提示訊息至少包含相關於已向對應於該目標銀行代碼的該第二銀行提出授權申請的內容。In some implementations of the debit authorization system, when the ATM determines that the target bank code matches the second bank code stored in itself, it not only transmits the authorization request to the server of the ticket exchange, but also A second prompt message is further output, and the second prompt message includes at least content related to the application for authorization to the second bank corresponding to the target bank code.
在該扣款授權系統的一些實施態樣中，該第二通訊網路是一內部網路。In some implementations of the debit authorization system, the second communication network is an internal network.
在該扣款授權系統的一些實施態樣中，該本行服務端所儲存的該對照表還具有多個授權類別項目，每一授權類別項目對應於該等企業識別資訊其中至少一者。In some implementations of the debit authorization system, the comparison table stored by the Bank's server also has multiple authorization category items, each authorization category item corresponding to at least one of the enterprise identification information.
本發明的再一目的，即在提供一種扣款授權系統，能克服先前技術的至少一缺陷。Another object of the present invention is to provide a debit authorization system that can overcome at least one defect of the prior art.
一種扣款授權系統，適於經由一第一通訊網路與一對應於一使用者的使用者端及多個分別對應於多個不同企業的企業伺服端通訊，該系統包含一自動櫃員機及一本行服務端。該自動櫃員機，歸屬於一第一銀行，具有一使用者輸入輸出介面，並儲存有一個對應於該第一銀行的第一銀行代碼及一對照表，該對照表包含多個分別對應於該等企業的企業識別資訊、多個身分識別碼、及多個授權標的，每一企業識別資訊對應於該等身分識別碼其中至少一者且每一身分識別碼對應於該等授權標的其中至少一者。該本行服務端經由一第二通訊網路與該自動櫃員機通訊，並經由該第一通訊網路與該等企業伺服端通訊，且儲存有多筆第一客戶資料，每筆第一客戶資料具有一對應於由該第一銀行所核發給該第一銀行的一客戶的晶片卡的卡片識別資訊、一由該第一銀行核發給該客戶的銀行帳號、及一唯一對應於該客戶的身分識別碼；A debit authorization system is adapted to communicate with a user terminal corresponding to a user and a plurality of enterprise server terminals corresponding to different enterprises through a first communication network. The system includes an automatic teller machine and a computer. OK server. The ATM belongs to a first bank, has a user input and output interface, and stores a first bank code corresponding to the first bank and a comparison table. The comparison table includes a plurality of For enterprise identification information, multiple identification numbers, and multiple authorized objects, each enterprise identification information corresponds to at least one of the identification numbers and each identification number corresponds to at least one of the authorized objects . The server of the Bank communicates with the ATM via a second communication network, and communicates with the server of the enterprise via the first communication network, and stores a plurality of first customer data, each of which has one Card identification information corresponding to a chip card issued by the first bank to a customer of the first bank, a bank account number issued to the customer by the first bank, and an identification code unique to the customer ;
該自動櫃員機讀取一個由一目標銀行所核發且對應於該使用者的晶片卡，並獲得一對應於該晶片卡的目標卡片識別資訊、一對應於該目標銀行的目標銀行代碼、及一由該目標銀行所核發且對應於該使用者的目標銀行帳號；The ATM reads a chip card issued by a target bank and corresponds to the user, and obtains a target card identification information corresponding to the chip card, a target bank code corresponding to the target bank, and a The target bank account issued by the target bank and corresponding to the user;
該自動櫃員機經人為操作產生一個授權標的請求，該授權標的請求包含一個唯一對應於該使用者的目標身分識別碼及一個唯一對應於該等企業其中一目標企業的目標企業識別資訊；The ATM artificially generates a request for authorization subject, the authorization subject request includes a target identity uniquely corresponding to the user and a target enterprise identification information uniquely corresponding to one of the target enterprises of the enterprises;
該自動櫃員機根據根據該授權標的請求所包含的該目標身分識別碼、該目標企業識別資訊、及該本行服務端所儲存的該對照表，輸出一授權標的資料，該授權標的資料包含該對照表所具有的該等授權標的當中的至少一個參考授權標的，每一參考授權標的所對應的對照表所具有的該企業識別資訊及該身分識別碼分別相符於該授權標的請求所包含的該目標企業識別資訊及該目標身分識別碼；The ATM outputs an authorized subject data according to the target identity identification code, the target business identification information included in the request according to the authorized subject, and the comparison table stored by the Bank's server, and the authorized subject data includes the comparison If at least one of the authorization targets in the table refers to the authorization target, the corresponding identification table of the reference authorization table corresponding to each of the reference authorization targets respectively matches the target included in the authorization target request. Business identification information and the target identification number;
該自動櫃員機經人為操作將該至少一參考授權標作為一目標授權標的，並產生一包含該目標授權標的、該目標企業識別資訊、該目標身分識別碼、該目標銀行帳號、及該目標卡片識別資訊的授權請求；The automatic teller machine uses the at least one reference authorization target as a target authorization target by human operation, and generates a target authorization target, the target enterprise identification information, the target identity identification code, the target bank account number, and the target card identification. Information authorization request;
該自動櫃員機在判斷出目標銀行代碼相符於本身所儲存的該第一銀行代碼時，將該授權請求傳送至該本行服務端；When the ATM determines that the target bank code matches the first bank code stored in itself, it sends the authorization request to the bank's server;
該本行服務端回應於該授權請求，判斷該授權請求所包含的該目標身分識別碼、該目標卡片識別資訊、該目標銀行帳號是否相符於該本行服務端所儲存的該等第一客戶資料其中一者所具有的該卡片識別資訊、該銀行帳號、及該身分識別碼，並根據該判定結果產生並儲存一包含該判定結果的授權結果，且將該授權結果根據一對應於該使用者端的通訊資料傳送至該使用者端以供其顯示，並將該授權結果根據該目標企業識別資訊傳送至對應於該目標企業識別資訊的該企業伺服端以供其儲存。The Bank's server responds to the authorization request to determine whether the target identification number, the target card identification information, and the target bank account number included in the authorization request match the first customers stored in the Bank's server The card identification information, the bank account number, and the identification code possessed by one of the data are generated, and an authorization result including the determination result is generated and stored according to the determination result, and the authorization result is corresponding to the use according to a The communication data of the client end is transmitted to the user end for display, and the authorization result is transmitted to the enterprise server end corresponding to the target enterprise identification information for storage according to the target enterprise identification information.
本發明之功效在於：本實施例可選擇性地省略藉由該票交所伺服端及該等他行伺服端傳輸資料之流程，相對省時，且效能穩定，平均等待時間約僅30秒。The effect of the present invention is that in this embodiment, the process of transmitting data through the server and other servers of the ticket exchange can be selectively omitted, which is relatively time-saving and stable in performance, and the average waiting time is only about 30 seconds.
在本發明被詳細描述之前，應當注意在以下的說明內容中，類似的元件是以相同的編號來表示。Before the present invention is described in detail, it should be noted that in the following description, similar elements are represented by the same numbers.
參閱圖1與圖2，本發明扣款授權系統100的一實施例包含多個歸屬於一第一銀行的自動櫃員機1及一歸屬於該第一銀行且經由一第二通訊網路32與該自動櫃員機1通訊的本行服務端2。在本實施例中，該第二通訊網路32是歸屬於該第一銀行的內部網路。Referring to FIG. 1 and FIG. 2, an embodiment of the debit authorization system 100 of the present invention includes a plurality of ATMs belonging to a first bank and a first bank belonging to the first bank and communicating with the automatic bank via a second communication network 32. The Bank's server 2 communicating with ATM 1. In this embodiment, the second communication network 32 is an internal network belonging to the first bank.
該自動櫃員機1具有一例如包含顯示螢幕、操作鍵盤及列印模組的使用者輸入輸出介面11，並儲存有一個對應於該第一銀行的第一銀行代碼P1及多個分別對應於多個彼此不同的第二銀行的第二銀行代碼P2。舉例來說，該第一銀行例如為「甲銀行」，該等第二銀行例如為「乙銀行」及「丙銀行」等等。The ATM 1 has a user input / output interface 11 including, for example, a display screen, an operation keyboard, and a printing module, and stores a first bank code P1 corresponding to the first bank and a plurality of corresponding banks. The second bank code P2 of the second banks which are different from each other. For example, the first bank is, for example, Bank A, and the second banks are, for example, Bank B and Bank C.
該本行服務端2儲存有一對照表T及多筆第一客戶資料D1。該對照表T包含多個授權類別項目T1、多個分別對應於多個彼此不同的企業的企業識別資訊T2、多個身分識別碼T3、及多個授權標的T4。在本實施例中，該等授權類別項目T1例如包含「電信費」、「信用卡費」、「瓦斯費」等授權標的，但不以此為限。該等企業識別資訊T2例如包含對應於甲電信企業、乙電信企業、丙電信企業、丁電力公司、戊信用卡企業等企業的企業識別資訊，在本實施例中，每一企業識別資訊T2例如是以識別碼的形式被儲存，但不以此為限。每一身分識別碼T3例如是一身分證字號。The server 2 of the bank stores a comparison table T and a plurality of first customer data D1 . The comparison table T includes a plurality of authorization category items T1 , a plurality of enterprise identification information T2 corresponding to a plurality of different enterprises, a plurality of identity identification codes T3 , and a plurality of authorization targets T4 . In this embodiment, the authorized category items T1 include authorized subjects such as “telecommunications fee”, “credit card fee”, and “gas fee”, but are not limited thereto. The enterprise identification information T2 includes, for example, enterprise identification information corresponding to enterprises A, B telecommunication, C telecommunication, Dingdian power, and E credit card companies. In this embodiment, each enterprise identification information T2 For example, it is stored in the form of an identification code, but is not limited thereto. Each identity identification code T3 is, for example, an identity card number.
在本實施例中，每一授權類別項目T1對應於該等企業識別資訊T2其中至少一者，譬如，對應於「電信費」之授權類別項目T1是對應於甲電信企業、乙電信企業、及丙電信企業之企業識別資訊T2。在本實施例中，每一企業識別資訊T2對應於該等身分識別碼T3其中至少一者，舉例來說，甲電信企業的企業識別資訊T2所對應的該等身分識別碼T3例如包含王小明的身分證字號「T123144354」及其他歸屬於甲電信企業的身分證字號共計數十萬個。每一身分識別碼T3對應於該等授權標的T4其中至少一者，譬如，對應於王小明的身分識別碼T3(「T123144354」)的授權標的T4例如包含王小明在中華電信所註冊的三組電話號碼「0911111111」、「0922222222」及「0933333333」。In this embodiment, each authorized category item T1 corresponds to at least one of the enterprise identification information T2. For example, the authorized category item T1 corresponding to “telecommunications fee” corresponds to A telecommunication enterprise, B telecommunication Enterprise identification information T2 for enterprises and C telecommunications enterprises. In this embodiment, each enterprise identification information T2 corresponds to at least one of the identity identification codes T3. For example, the telecommunication enterprise's enterprise identification information T2 corresponds to the identity identification codes T3 For example, there are hundreds of thousands of identification numbers including Wang Xiaoming's ID number "T123144354" and other ID numbers belonging to telecommunication company A. Each identity identification code T3 correspond to those authorized target T4 in which at least one, for example, corresponds to Xiaoming identity identifier T3 ( "T123144354") authorized the subject of T4 contains, for example Xiaoming registered in Chunghwa Telecom Three sets of phone numbers "0911111111", "0922222222" and "0933333333".
每筆第一客戶資料D1具有一對應於由該第一銀行所核發給該第一銀行的一客戶的晶片卡的卡片識別資訊D11、一由該第一銀行核發給該客戶的銀行帳號D12、及一唯一對應於該客戶的身分識別碼D13。舉例來說，該等第一客戶資料D1其中一者是對應於王小明，意即，王小明是第一銀行的一客戶，故該第一客戶資料D1的身分識別碼D13即為王小明的身分證字號「T123456789」。Each first customer data D1 has a card identification information D11 corresponding to a chip card issued by the first bank to a customer of the first bank, and a bank account number issued by the first bank to the customer. D12 and an identification code D13 uniquely corresponding to the customer. For example, one of the first customer data D1 corresponds to Wang Xiaoming, which means that Wang Xiaoming is a customer of the First Bank, so the identity identification code D13 of the first customer data D1 is the identity of Wang Xiaoming. Certificate number "T123456789".
在本實施例中，該本行服務端2適於經由一第一通訊網路31與一對應於一使用者且例如是一智慧型手機的使用者端200、多個分別對應於該等企業的企業伺服端300、一例如歸屬於台灣票據交換所的票交所伺服端400、及多個分別歸屬於該等第二銀行的他行伺服端500通訊。在本實施例中，該第一通訊網路31例如是非歸屬於該第一銀行的外部網路。每一他行伺服端500儲存多筆第二客戶資料D2，每筆第二客戶資料D2具有一對應於由該他行伺服端500所歸屬的該第二銀行所核發給該第二銀行的一客戶的晶片卡的卡片識別資訊D21、一由該第二銀行核發給該客戶的銀行帳號D22、及一唯一對應於該客戶的身分識別碼D23。每一第二客戶資料D2的實例相似於第一客戶資料D１的實例，於此不再贅述。In this embodiment, the service end 2 of the bank is adapted to pass through a first communication network 31 and a user end 200 corresponding to a user, such as a smart phone, and a plurality of The enterprise server 300, for example, the clearing house server 400 attributable to the Taiwan Clearing House, and a plurality of other server servers 500 attributable to the second banks, respectively. In this embodiment, the first communication network 31 is, for example, an external network that does not belong to the first bank. Each other server 500 stores a plurality of second customer data D2 , and each second customer data D2 has a correspondence to the second bank issued by the second bank to which the other server 500 belongs. Card identification information D21 of a customer's chip card, a bank account D22 issued to the customer by the second bank, and an identification code D23 uniquely corresponding to the customer. Each instance of the second customer profile D2 is similar to the instance of the first customer profile D1 and will not be repeated here.
在本實施例中，晶片卡例如是金融卡，且每一卡片識別資訊D11(D21)例如是金融卡的卡號、IC交易序號、或簽章資料TAC，並不以此為限。In this embodiment, the chip card is, for example, a financial card, and each card identification information D11 (D21 ) is, for example, a card number of a financial card, an IC transaction serial number, or a signature data TAC, and is not limited thereto.
以下配合圖1至圖4，以說明該實施例如何執行本發明扣款授權方法的一實施例。The following describes, in conjunction with FIG. 1 to FIG. 4, how this embodiment implements an embodiment of the debit authorization method of the present invention.
首先，如步驟S1，該等自動櫃員機1其中一者(後稱該自動櫃員機1)讀取一個由一目標銀行所核發且對應於該使用者的晶片卡，並獲得一對應於該晶片卡的目標卡片識別資訊、一對應於該目標銀行的目標銀行代碼、及一由該目標銀行所核發且對應於該使用者的目標銀行帳號。First, in step S1, one of the ATMs 1 (hereinafter referred to as the ATM 1) reads a chip card issued by a target bank and corresponding to the user, and obtains a chip card corresponding to the chip card. Target card identification information, a target bank code corresponding to the target bank, and a target bank account number issued by the target bank and corresponding to the user.
接者，如步驟S2，該自動櫃員機1經人為操作產生一個授權標的請求。該授權標的請求包含一個唯一對應於該使用者的目標身分識別碼及一個唯一對應於該等企業其中一目標企業的目標企業識別資訊。舉例來說，延續前例，該自動櫃員機1讀取由王小明所插入且由甲銀行(該目標銀行)所核發的金融卡後，經王小明的操作，將一個包含王小明的身分證字號(即該目標身分識別碼)及對應於甲電信企業的企業識別碼(目標企業識別資訊)傳送至該本行服務端2。Then, in step S2, the ATM 1 generates a request for authorization subject to manual operation. The authorization subject request includes a target identity uniquely corresponding to the user and a target enterprise identification information uniquely corresponding to one of the target enterprises of the enterprises. For example, following the previous example, the ATM 1 reads a financial card inserted by Wang Xiaoming and issued by Bank A (the target bank), and then manipulates by Wang Xiaoming to transfer an identity card number containing Wang Xiaoming (that is, the target (Identity identification code) and the enterprise identification code (target enterprise identification information) corresponding to the telecommunications company A are transmitted to the bank's server 2.
接著，如步驟S3，該本行服務端2回應於該授權標的請求，根據該授權標的請求所包含的該目標身分識別碼、該目標企業識別資訊、及該本行服務端2所儲存的該對照表T，從該對照表T中選出該對照表T所具有的該等授權標的T4當中的至少一個參考授權標的，且每一參考授權標的所對應的包含在對照表T中的該企業識別資訊T2及該身分識別碼T3分別相符於該授權標的請求所包含的該目標企業識別資訊及該目標身分識別碼，以便產生一授權標的資料，並傳送該授權標的資料至該自動櫃員機1以供該自動櫃員機1顯示。延續前例，該自動櫃員機1根據接收自該本行服務端2的該授權標的資料，顯示對應於甲電信企業的企業識別碼且對應於王小明身分證字號的三組電話號碼「0911111111」、「0922222222」及「0933333333」（即三個參考授權標的）。Then, in step S3, the server 2 of the bank responds to the request of the authorized subject, according to the target identity identifier, the target enterprise identification information included in the request of the authorized subject, and the stored in the server 2 of the bank The comparison table T is selected from the comparison table T for at least one of the authorization targets T4 of the comparison table T that refers to the authorization target, and each of the reference authorization targets corresponds to the enterprise included in the comparison table T. The identification information T2 and the identity identification code T3 respectively correspond to the target enterprise identification information and the target identity identification code included in the request of the authorized subject, so as to generate an authorized subject data and transmit the authorized subject data to the ATM 1 for the ATM 1 to display. Continuing the previous example, the ATM 1 displays three sets of telephone numbers "0911111111" and "0922222222" corresponding to the corporate identification number of the telecommunications company A and the identity of Wang Xiaoming, based on the data of the authorized subject received from the bank's server 2 "And" 0933333333 "(i.e., three reference authorized subjects).
然後，如步驟S4，該自動櫃員機1經人為操作將該至少一參考授權標的作為一目標授權標的，並產生一包含該目標授權標的、該目標企業識別資訊、該目標身分識別碼、該目標銀行帳號、及該目標卡片識別資訊、及一對應於該使用者的一通訊資料的授權請求。延續前例，該自動櫃員機1經王小明操作而例如將「0911111111」作為該目標授權標的，並將王小明的手機號碼做為該通訊資料。在其他實施態樣中，該通訊資料不以手機號碼為限，例如，也可以是電子郵件地址等等。Then, in step S4, the ATM 1 manually uses the at least one reference authorization target as a target authorization target, and generates a target authorization target, the target enterprise identification information, the target identity identification code, and the target bank. The account number, the target card identification information, and an authorization request corresponding to a user's communication data. Continuing the previous example, the ATM 1 is operated by Wang Xiaoming and uses "0911111111" as the target authorization target, and uses Wang Xiaoming's mobile phone number as the communication information. In other implementation aspects, the communication information is not limited to a mobile phone number, for example, it may be an email address and the like.
補充說明者，在其他實施態樣中，該對照表T也可以被儲存在該自動櫃員機1，如此，該自動櫃員機1即可根據該授權標的及本身所儲存的該對照表T產生並顯示該授權標的資料，而不需要將授權標的請求傳送至該本行服務端2。It is added that in other embodiments, the comparison table T can also be stored in the ATM 1, so that the ATM 1 can generate and display the comparison table T according to the authorized target and the stored comparison table T itself. Authorize the subject information without sending a request for authorizing the subject to the Bank's server 2.
接著，如步驟S5，該自動櫃員機1判斷目標銀行代碼是否相符於本身所儲存的該第一銀行代碼P1。該自動櫃員機1在判斷出目標銀行代碼相符於本身所儲存的該第一銀行代碼P1時，流程進入步驟S6，該系統執行一本行授權程序。延續前例，該自動櫃員機1判斷出獲得自王小明所插入的且由該甲銀行所核發的晶片卡的該目標銀行代碼與該第一銀行代碼P1相同，故流程進入步驟S6。Next, in step S5, the ATM 1 determines whether the target bank code matches the first bank code P1 stored in itself. When the ATM 1 determines that the target bank code matches the first bank code P1 stored in itself, the flow proceeds to step S6, and the system executes a bank authorization procedure. Continuation of the previous example, the automated teller machine 1 is judged fromone and the same obtained Xiaoming inserted by the object code that the bank A chip card issued by the bank and the first bank code P, so the flow proceeds to step S6.
參閱圖3，於該本行授權程序中，首先，如步驟S61，該自動櫃員機1將該授權請求傳送至該本行服務端2，並輸出一第一提示訊息，該第一提示訊息例如至少包含相關於已向該第一銀行提出授權申請的內容。延續前例，該自動櫃員機1所列印或顯示的該第一提示訊息例如包含該目標銀行帳號、「0911111111」(即該授權標的)、「甲銀行」(即該第一銀行)、及「扣款授權申請已完成，授權結果將以簡訊通知」等文字內容。Referring to FIG. 3, in the authorization procedure of the Bank, first, in step S61, the ATM 1 transmits the authorization request to the Bank's server 2 and outputs a first prompt message, such as at least Contains content related to an authorization application that has been filed with the first bank. Continuing the previous example, the first prompt message printed or displayed on the ATM 1 includes, for example, the target bank account number, "0911111111" (that is, the subject of authorization), "Bank A" (that is, the first bank), and "deduction" The authorization application for this paragraph has been completed, and the authorization result will be notified by text message.
接著，如步驟S62，該本行服務端2回應於該授權請求，判斷(驗證)該授權請求所包含的該目標身分識別碼、該目標卡片識別資訊、該目標銀行帳號是否相符於該本行服務端2所儲存的該等第一客戶資料D1其中一者所具有的該卡片識別資訊、該銀行帳號、及該身分識別碼。然後，如步驟S63，該本行服務端2根據該判斷結果產生並儲存一指示出該判定結果的授權結果。接著，如步驟S64，該本行服務端2根據該通訊資料將該授權結果傳送至該使用者端200以供其顯示，並將該授權結果根據該目標企業識別資訊傳送至對應於該目標企業識別資訊的該企業伺服端300以供其儲存。延續前例，該授權結果指示出授權成功，且該本行服務端2（即歸屬於該甲銀行之服務端)及對應於甲電信企業的伺服端(及該目標企業識別資訊的該企業伺服端300)儲存該授權結果，藉此，甲電信企業的伺服端即可根據該授權結果例如在一預定時間傳送一對應於「0911111111」此一手機門號的電信費之扣款的請求至該本行服務端2以便扣款，此外，王小明所持有的該使用者端200例如顯示出「甲銀行已成功(或未成功)授權關於您的手機門號0911111111之自動扣款」等文字內容。Next, in step S62, the server 2 of the bank responds to the authorization request to determine (verify) whether the target identity identification code, the target card identification information, and the target bank account number included in the authorization request match the bank. The card identification information, the bank account number, and the identification code possessed by one of the first client data D1 stored in the server 2. Then, in step S63, the server 2 of the bank generates and stores an authorization result indicating the determination result according to the determination result. Then, in step S64, the server 2 of the bank transmits the authorization result to the user terminal 200 for display according to the communication data, and transmits the authorization result to the target enterprise corresponding to the target enterprise identification information according to the communication information. The enterprise server 300 is identified for storage. Continuing the previous example, the authorization result indicates that the authorization was successful, and the Bank's server 2 (that is, the server belonging to Bank A) and the server corresponding to the telecommunications company A (and the enterprise server of the target enterprise identification information) 300) The authorization result is stored, so that the server end of the telecommunication company A can send a request for deduction of the telecommunication fee corresponding to the mobile phone number of "0911111111" to the computer at a predetermined time according to the authorization result. The server 2 is used for debiting. In addition, the user terminal 200 held by Wang Xiaoming displays, for example, "Bank A has successfully (or unsuccessfully) authorized the automatic deduction of your mobile phone door number 0911111111" and other text content.
值得說明的是，本方法不需藉由該票交所伺服端400及該等他行伺服端500便能執行該第一授權程序，相較於先前技術，節點相對較少，故有相對省時的優點。It is worth noting that this method can execute the first authorization procedure without using the server 400 of the clearing house and the server 500 of other banks. Compared with the prior art, the number of nodes is relatively small, so it is relatively economical. Advantages.
另一方面，該自動櫃員機1在判斷出目標銀行代碼不相符於本身所儲存的該第一銀行代碼P1時，如步驟S7，該自動櫃員機1判斷目標銀行代碼是否相符於該等第二銀行代碼P2其中一者。該自動櫃員機1在判斷出目標銀行代碼相符於該等第二銀行代碼P2其中一者時，流程進入步驟S8，該系統結合該票交所伺服端400及該等他行伺服端500執行一他行授權程序。參閱圖3，於該他行授權程序中，首先，如步驟S81，該自動櫃員機1將該授權請求傳送至該票交所伺服端300並輸出一第二提示訊息，該第二提示訊息至少包含相關於已向對應於該目標銀行代碼的該第二銀行提出扣款授權申請的內容。在本實施例中，該第二提示訊息也包含與該第一提示訊息相似的文字內容，於此不再贅述。On the other hand, when the ATM 1 judges that the target bank code does not match the first bank code P1 stored in itself, as in step S7, the ATM 1 judges whether the target bank code matches the second banks. One of the codes P2 . When the ATM 1 determines that the target bank code matches one of the second bank codes P2 , the process proceeds to step S8, and the system executes a combination of the ticket server server 400 and the other server servers 500 Authorization procedures. Referring to FIG. 3, in the authorization procedure of the other bank, first, in step S81, the ATM 1 transmits the authorization request to the server 300 of the clearing house and outputs a second prompt message. The second prompt message includes at least It is related to the content that the debit authorization application has been filed with the second bank corresponding to the target bank code. In this embodiment, the second prompt message also includes text content similar to the first prompt message, which will not be repeated here.
接著，如步驟S82，該票交所伺服端400根據該目標銀行代碼將接收自該自動櫃員機1的該授權請求傳送至該等他行伺服端500其中一對應於該目標銀行代碼的目標他行伺服端。Then, in step S82, the clearinghouse server 400 transmits the authorization request received from the ATM 1 to the other banks' server 500 according to the target bank code, and one of the servers corresponds to the target bank's target bank. The server.
然後，如步驟S83，該目標他行伺服端回應於該授權請求，判斷該授權請求所包含的該目標身分識別碼、該目標卡片識別資訊、該目標銀行帳號是否相符於該目標他行伺服端所儲存的該等第二客戶資料D2其中一者所具有的該卡片識別資訊D21、該銀行帳號D22、及該身分識別碼D23。然後，如步驟S84，該目標他行伺服端根據該判定結果產生並儲存一指示出該判定結果的授權結果。然後，如步驟S85，該目標他行伺服端將該授權結果傳送至該本行服務端2。Then, in step S83, the target server responds to the authorization request, and determines whether the target identity identification code, the target card identification information, and the target bank account number included in the authorization request match the target server. The stored card identification information D21 , the bank account number D22 , and the identity identification code D23 that one of the stored second customer data D2 has. Then, in step S84, the target server generates and stores an authorization result indicating the determination result according to the determination result. Then, in step S85, the server of the target bank transmits the authorization result to the server 2 of the bank.
最後，如步驟S86，該本行服務端2在接收到來自該目標他行伺服端的該授權結果時，將該授權結果根據該通訊資料傳送至該使用者端200以供其顯示，並將該授權結果根據該目標企業識別資訊傳送至對應於該目標企業識別資訊的該企業伺服端300以供其儲存。Finally, in step S86, when the bank server 2 receives the authorization result from the server of the target bank, it transmits the authorization result to the user terminal 200 for display according to the communication data, and displays the authorization result. The authorization result is transmitted to the enterprise server 300 corresponding to the target enterprise identification information for storage according to the target enterprise identification information.
值得說明的是，使用者看到自動櫃員機1所顯示或列印的第一/二提示訊息即可知悉授權申請已完成，之後使用者即使離開自動櫃員機1也能經由使用者端200所顯示的授權結果得知授權是否成功，換句話說，使用者無需在自動櫃員機1前等待該本行授權程序中步驟S62至S64之部分或該他行授權程序中步驟S82至S86之部分，相較於先前技術中使用者需要在個人電腦前等待授權結果，有著相對便利的優點。It is worth noting that the user sees the first or second prompt message displayed or printed by the ATM 1 to know that the authorization application has been completed. After that, even if the user leaves the ATM 1, it can be displayed via the user terminal 200. The authorization result tells whether the authorization was successful. In other words, the user does not need to wait for the part of steps S62 to S64 in the authorization process of the bank or part of steps S82 to S86 in the authorization process of the other bank before the ATM 1, compared to In the prior art, the user needs to wait for the authorization result in front of the personal computer, which has the advantage of being relatively convenient.
補充說明的是，在本實施例中，該通訊資料是在自動櫃員機1經該使用者操作產生該授權標的請求(步驟S2)時由該使用者所輸入，但不以此為限。在其他實施態樣中，每一第一客戶資料D1及每一第二客戶資料D2還更具有一對應的通訊資料，如此，該授權標的請求便不需包含該通訊資料，而在該本行授權程序中，該本行服務端2可根據對應於目標身分識別碼的該第一客戶資料D1所包含的該筆通訊資料將該授權結果傳送至該使用者端200以供其顯示；另一方面，在該他行授權程序中，該他行服務端500可將對應於目標身分識別碼的該第二客戶資料D2所包含的該筆通訊資料包含在該授權結果中，以使得該本行服務端2可根據包含在該授權結果的該通訊資料將該授權結果傳送至該使用者端200以供其顯示。It is added that, in this embodiment, the communication data is input by the user when the ATM 1 generates the request of the authorized subject through the user operation (step S2), but is not limited thereto. In other implementations, each first customer data D1 and each second customer data D2 further have a corresponding communication data. In this way, the request for authorization subject need not include the communication data, but in the In the authorization process of the Bank, the server 2 of the Bank may transmit the authorization result to the user terminal 200 for display according to the communication information contained in the first customer data D1 corresponding to the target identity code. On the other hand, in the authorization process of the other bank, the server 500 of the other bank may include the communication information included in the second customer data D2 corresponding to the target identity code in the authorization result, so as to This enables the server 2 of the bank to transmit the authorization result to the user terminal 200 for display according to the communication data included in the authorization result.
綜上所述，本實施例可選擇性地省略藉由該票交所伺服端400及該等他行伺服端500傳輸資料之流程，相對省時，且效能穩定，平均等待時間約僅30秒。再者，該自動櫃員機1能在傳送出該授權請求時即顯示已提出扣款授權申請的訊息(即該第一/二提示訊息)，藉此提示使用者該扣款授權之申請已完成，之後使用者可經由使用者的該使用者端200獲得該授權結果而不需於該自動櫃員機1前等待，使用上相對便利。此外，該自動櫃員機1與該本行服務端2是經由內部網路相互通訊，對於個資保護的安全性相對較高。In summary, in this embodiment, the process of transmitting data through the server 400 of the ticket exchange and the server 500 of other banks can be selectively omitted, which is relatively time-saving and stable in performance. The average waiting time is only about 30 seconds. . Furthermore, the ATM 1 can display a message that a debit authorization application has been filed (ie, the first / second prompt message) when transmitting the authorization request, thereby reminding the user that the debit authorization application has been completed, After that, the user can obtain the authorization result through the user terminal 200 of the user without waiting in front of the ATM 1, which is relatively convenient to use. In addition, the ATM 1 and the Bank's server 2 communicate with each other via an internal network, and the security of personal data protection is relatively high.
惟以上所述者，僅為本發明之實施例而已，當不能以此限定本發明實施之範圍，凡是依本發明申請專利範圍及專利說明書內容所作之簡單的等效變化與修飾，皆仍屬本發明專利涵蓋之範圍內。However, the above are only examples of the present invention. When the scope of implementation of the present invention cannot be limited in this way, any simple equivalent changes and modifications made in accordance with the scope of the patent application and the content of the patent specification of the present invention are still Within the scope of the invention patent.
100‧‧‧扣款授權系統100‧‧‧ debit authorization system
1‧‧‧自動櫃員機1‧‧‧ ATM
11‧‧‧使用者輸入輸出介面11‧‧‧User input and output interface
2‧‧‧本行服務端2‧‧‧ Bank's server
31‧‧‧第一通訊網路31‧‧‧First communication network
32‧‧‧第二通訊網路32‧‧‧Second communication network
200‧‧‧使用者端200‧‧‧user
300‧‧‧企業伺服端300‧‧‧Enterprise server
400‧‧‧票交所伺服端400‧‧‧ Ticket Exchange Server
500‧‧‧他行伺服端500‧‧‧ other server
P1‧‧‧第一銀行代碼P1 ‧‧‧First Bank Code
P2‧‧‧第二銀行代碼P2 ‧‧‧Second bank code
T‧‧‧對照表T‧‧‧ Comparison Table
T1‧‧‧授權類別項目T1 ‧‧‧ Authorized category item
T2‧‧‧企業識別資訊T2 ‧‧‧Enterprise identification information
T3‧‧‧身份識別碼T3 ‧‧‧ID
T4‧‧‧授權標的T4 ‧‧‧ authorized subject
D1‧‧‧第一客戶資料D1 ‧‧‧First Customer Information
D11‧‧‧卡片識別資訊D11 ‧‧‧Card Identification Information
D12‧‧‧銀行帳號D12 ‧‧‧Bank Account
D13‧‧‧身分識別碼D13 ‧‧‧Identity ID
D2‧‧‧第二客戶資料D2 ‧‧‧Second Client Information
D21‧‧‧卡片識別資訊D21 ‧‧‧Card Identification Information
D22‧‧‧銀行帳號D22 ‧‧‧Bank Account
D23‧‧‧身分識別碼D23 ‧‧‧Identity ID
S1~S8‧‧‧步驟S1 ~ S8‧‧‧ steps
S61~S64‧‧‧步驟S61 ~ S64‧‧‧step
S81~S86‧‧‧步驟S81 ~ S86‧‧‧step
本發明之其他的特徵及功效，將於參照圖式的實施方式中清楚地呈現，其中： 圖1是一方塊圖，說明本發明扣款授權系統的一實施例； 圖2是一流程圖，說明本發明扣款授權方法的一實施例； 圖3是一流程圖，說明圖2的步驟S6；及 圖4是一流程圖，說明圖2的步驟S8。Other features and effects of the present invention will be clearly presented in the embodiment with reference to the drawings, in which: FIG. 1 is a block diagram illustrating an embodiment of the debit authorization system of the present invention; FIG. 2 is a flowchart, An embodiment of the debit authorization method of the present invention is described; FIG. 3 is a flowchart illustrating step S6 of FIG. 2; and FIG. 4 is a flowchart illustrating step S8 of FIG. 2.
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| TW107113140ATWI662493B (en) | 2018-04-18 | 2018-04-18 | Debit authorization method and system |
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| TW107113140ATWI662493B (en) | 2018-04-18 | 2018-04-18 | Debit authorization method and system |
| Publication Number | Publication Date |
|---|---|
| TWI662493Btrue TWI662493B (en) | 2019-06-11 |
| TW201944318A TW201944318A (en) | 2019-11-16 |
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| TW107113140ATWI662493B (en) | 2018-04-18 | 2018-04-18 | Debit authorization method and system |
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| TW (1) | TWI662493B (en) |
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