TWI770406B - Credit card linked account payment method and credit card linked account payment system - Google Patents

Abstract

Translated fromChinese

一種信用卡連結帳戶支付方法，由一信用卡連結帳戶支付系統執行，該信用卡連結帳戶支付系統包含一銀行端伺服設備及一店家主機，該信用卡連結帳戶支付方法為該銀行端伺服設備儲存一記錄N個信用卡識別碼的連結資料，當中的M個信用卡識別碼各綁定一設定資料，該店家主機接收一信用卡識別碼及一對應的一消費金額，而產生一授權請求到該銀行端伺服設備，該銀行端伺服設備根據該授權請求與連結資料判斷該消費金額是否超過一信用卡可用餘額，若是，則比對該信用卡識別碼是否符合該設定資料，並依據比對的結果產生一指示交易是否成功的授權結果。A credit card linked account payment method is executed by a credit card linked account payment system, the credit card linked account payment system comprises a bank side server device and a store host, the credit card linked account payment method stores a record N for the bank side server device The link data of the credit card identification code, wherein the M credit card identification codes are each bound with a setting data, the store host receives a credit card identification code and a corresponding consumption amount, and generates an authorization request to the bank-side server device, the The bank-side server device determines whether the consumption amount exceeds the available balance of a credit card according to the authorization request and the link data, and if so, compares whether the credit card identification code conforms to the set data, and generates a message indicating whether the transaction is successful according to the comparison result. Authorization result.

Description

Translated fromChinese

信用卡連結帳戶支付方法與信用卡連結帳戶支付系統Credit card linked account payment method and credit card linked account payment system

本發明是有關於一種支付方案與架構，特別是指一種關於授權、付款人之查核或認可的支付方法與支付系統。The present invention relates to a payment scheme and structure, and more particularly, to a payment method and payment system for authorization, verification or approval of payers.

現有的信用卡消費機制而言，每張信用卡皆有一對應的消費額度限制，當信用卡持有人以其信用卡進行消費，而消費金額超過其信用卡的消費額度限制時，消費者須透過信用卡銀行進行消費額度調整或事先一足夠的預付金額，例如，現有的Debit card預付機制。In terms of the existing credit card consumption mechanism, each credit card has a corresponding consumption limit. When the credit card holder spends with his credit card and the consumption exceeds the consumption limit of his credit card, the consumer must use the credit card bank for consumption. Limit adjustment or a sufficient prepayment amount in advance, for example, the existing Debit card prepayment mechanism.

如此一來，一方面將造成信用卡銀行相關客服人員工作量的增加，另一方面，也降低了客戶，也就是信用卡持有人以信用卡進行消費的意願，據此，現有的信用卡消費機制確有改善的必要。In this way, on the one hand, it will increase the workload of the relevant customer service staff of credit card banks, and on the other hand, it will also reduce the willingness of customers, that is, credit card holders, to spend with credit cards. According to this, the existing credit card consumption mechanism does have the need for improvement.

因此，本發明的一目的，即在提供一種改善先前技術至少一個缺點的的信用卡連結帳戶支付方法。Therefore, it is an object of the present invention to provide a credit card linked account payment method which improves at least one of the disadvantages of the prior art.

此外，本發明的另一目的，即在提供一種改善先前技術至少一個缺點的信用卡連結帳戶支付系統。In addition, another object of the present invention is to provide a credit card linked account payment system that ameliorates at least one disadvantage of the prior art.

於是，本發明信用卡連結帳戶支付方法，由一信用卡連結帳戶支付系統執行，該信用卡連結帳戶支付系統包含一銀行端伺服設備，及一與該銀行端伺服設備通訊連接的店家主機，該信用卡連結帳戶支付方法包含一步驟（S）、一步驟（A）、一步驟（B），及一步驟（C）。Therefore, the credit card linked account payment method of the present invention is executed by a credit card linked account payment system. The credit card linked account payment system includes a bank-side server device and a store host that is communicatively connected to the bank-side server device. The credit card linked account is connected to the account. The payment method includes a step (S), a step (A), a step (B), and a step (C).

該步驟（S）為該銀行端伺服設備儲存一連結資料，該連結資料記錄N個信用卡識別碼，每一信用卡識別碼對應一信用卡可用餘額，該N個信用卡識別碼當中的M個各自綁定一設定資料，每一設定資料記錄一存款帳戶識別碼與一對應的金額上限，該金額上限是存款帳戶中被設定可扣款的額度，其中，M≦N，M、N是正整數。The step (S) stores a link data for the bank-side server device, the link data records N credit card identification codes, each credit card identification code corresponds to a credit card available balance, and M among the N credit card identification codes are bound to each other. A setting data, each setting data records a deposit account identification code and a corresponding upper limit of the amount, the upper limit of the amount is the set debit amount in the deposit account, wherein M≦N, M and N are positive integers.

該步驟（A）為該店家主機接收一信用卡識別碼，及一對應該信用卡識別碼的一消費金額，而產生一授權請求到該銀行端伺服設備，該授權請求具有該信用卡識別碼與該消費金額。In step (A), the store host receives a credit card identification code and a consumption amount corresponding to the credit card identification code, and generates an authorization request to the bank-side server device, and the authorization request has the credit card identification code and the consumption amount. amount.

該步驟（B）為該銀行端伺服設備根據該授權請求與該連結資料判斷該消費金額是否超過該信用卡可用餘額。In step (B), the bank-side server device determines whether the consumption amount exceeds the available balance of the credit card according to the authorization request and the link data.

該步驟（C）為若步驟（B）的判斷結果為是，則該銀行端伺服設備比對該信用卡識別碼是否符合該設定資料，並依據比對的結果產生一授權結果，該授權結果載有一交易是否成功的資訊。In step (C), if the judgment result of step (B) is yes, the bank-side server device compares whether the credit card identification code conforms to the setting data, and generates an authorization result according to the result of the comparison, and the authorization result contains Information about whether a transaction was successful or not.

再者，本發明信用卡連結帳戶支付系統包含一銀行端伺服設備，及一與該銀行端伺服設備通訊連接的店家主機。Furthermore, the credit card linked account payment system of the present invention includes a bank-side server device, and a store host that is communicatively connected to the bank-side server device.

該銀行端伺服設備儲存一連結資料，該連結資料記錄N個信用卡識別碼，每一信用卡識別碼對應一信用卡可用餘額，該N個信用卡識別碼當中的M個各自綁定一設定資料，每一設定資料對應一存款帳戶識別碼與一對應的金額上限，其中，M≦N，M、N是正整數。The bank-side server device stores a link data, the link data records N credit card identification codes, each credit card identification code corresponds to a credit card available balance, and M among the N credit card identification codes are each bound to a setting data, each The setting data corresponds to a deposit account identification code and a corresponding upper limit of the amount, wherein M≦N, M and N are positive integers.

該店家主機接收一信用卡識別碼，及一對應該信用卡識別碼的一消費金額，而產生一授權請求到該銀行端伺服設備，該授權請求具有該信用卡識別碼與該消費金額。The store host receives a credit card identification code and a consumption amount corresponding to the credit card identification code, and generates an authorization request to the bank-side server device, the authorization request has the credit card identification code and the consumption amount.

該銀行端伺服設備根據該授權請求與該連結資料判斷該消費金額是否超過該信用卡可用餘額。The bank-side server device determines whether the consumption amount exceeds the available balance of the credit card according to the authorization request and the link data.

若是，則該銀行端伺服設備比對該信用卡識別碼是否符合該設定資料，並依據比對的結果產生一載有一扣款結果的授權結果。If so, the bank-side server device compares whether the credit card identification code conforms to the setting data, and generates an authorization result containing a debit result according to the result of the comparison.

本發明的功效在於：該銀行端伺服設備在接收到來自店家主機傳送的授權請求後，當判斷消費金額超過該信用卡識別碼對應的信用卡可用餘額，且該信用卡識別碼屬於該M個信用卡識別碼其中之一，該銀行端伺服設備接著可依據該信用卡識別碼綁定的設定資料進行扣款授權，進而降低客服人員處理刷卡額度調整的工作量。The effect of the present invention is: after receiving the authorization request sent from the store host, the bank-side server device determines that the consumption amount exceeds the available balance of the credit card corresponding to the credit card identification code, and the credit card identification code belongs to the M credit card identification codes. One of them is that the bank-side server device can then perform debit authorization according to the setting data bound to the credit card identification code, thereby reducing the workload of the customer service staff in processing the adjustment of the credit card limit.

本專利提案構想係基於當消費者以其信用卡進行刷卡消費而額度不足時，可即時流用消費者的活期存款帳戶金額進行刷卡消費，其中，信用卡額度較低的消費者，能更自主且有彈性的使用信用卡消費，免除需先預繳卡款才能刷卡的麻煩。The idea of this patent proposal is based on the fact that when consumers use their credit cards for credit card consumption and the credit limit is insufficient, the amount of the consumer's current deposit account can be used for credit card consumption. Among them, consumers with lower credit card credit limit can be more independent and flexible. The use of credit cards for consumption, eliminating the need to pre-pay the card to swipe the trouble.

首先，消費者以其行動裝置搭載由信用卡發行銀行（以下簡稱本行）開發的應用程式或經由網路銀行登錄後，接著自行設定消費者本人的活期存款帳戶連結本行信用卡以即時流用、並可設定流用條件，例如金額上限、消費地點（國內、國外）等…，當消費者刷卡超額時，本行的信用卡作業系統可就額度不足的款項主動連結消費者設定的活期存款帳戶即時流用，完成該筆信用卡刷卡授權交易，信用卡的作業系統還可分析消費者的消費金額、消費地點，以自動產生帳戶連結金額上限、地點等資訊，供消費者參考選擇，以降低目前因刷卡超額被拒後，消費者進線客服請求調升臨時額度而增加的客服人員工作量，另一方面，也提升了消費者以信用卡進行消費的意願，以下接著以一具體實施例來詳細說明本發明的實施方式。First, consumers use their mobile devices to install an application developed by the credit card issuing bank (hereinafter referred to as the Bank) or log in through internet banking, and then set up their own current deposit accounts to link their credit cards to the bank’s credit card for real-time use, and You can set the flow conditions, such as the upper limit of the amount, the consumption location (domestic, foreign), etc. When the consumer swipes the card over, the bank's credit card operating system can actively link the current account set by the consumer for the insufficient amount for real-time flow use , to complete the credit card swipe authorization transaction, the operating system of the credit card can also analyze the consumer's consumption amount and consumption location to automatically generate information such as the upper limit of the amount and location of the account link for consumers' reference and selection, so as to reduce the current situation of excessive credit card swiping. After the rejection, the customer enters the customer service to request to increase the temporary quota, which increases the workload of the customer service staff. On the other hand, it also increases the willingness of the customer to consume with a credit card. The following is a specific embodiment to describe in detail the method of the present invention. implementation.

參閱圖1，本發明信用卡連結帳戶支付系統包含一銀行端伺服設備2、一與該銀行端伺服設備2通訊連接的店家主機3，及一與該銀行端伺服設備2通訊連接的行動裝置4，該銀行端伺服設備2包括一由信用卡發卡銀行供以進行與信用卡消費相關的授權、扣款等程序的本行伺服器21，該店家主機3為消費通路業者提供消費者以信用卡進行消費而設置的信用卡消費服務相關裝置，該行動裝置4為消費者所持有，具有執行資料存取、寫入，及傳輸等功能的電子通訊裝置，例如：搭配傳真機或網際網路與遠端裝置通訊連線的筆記型電腦、智慧型手機、平板電腦…等。Referring to FIG. 1 , the credit card linked account payment system of the present invention includes a bank-side server device 2 , astore host 3 connected to the bank-side server device 2 , and amobile device 4 connected to the bank-side server device 2 , The bank-side server device 2 includes abank server 21 used by the credit card issuing bank to perform procedures such as authorization and debit related to credit card consumption. Thestore host 3 is configured for consumer channel operators to provide consumers with credit card consumption. A credit card consumption service related device, themobile device 4 is an electronic communication device held by consumers and has functions such as data access, writing, and transmission, such as communicating with a remote device with a fax machine or the Internet Connected laptops, smartphones, tablets…etc.

參閱圖2，接著說明該實施例執行的一信用卡連結帳戶支付方法，包含一儲存資料步驟（S）、一消費授權步驟（A）、一額度判斷步驟（B）、一交易授權步驟（C）、一第一通知步驟（D），及一第二通知步驟（E）。Referring to FIG. 2 , the following describes a credit card linked account payment method implemented in this embodiment, including a data storage step (S), a consumption authorization step (A), a limit determination step (B), and a transaction authorization step (C) , a first notification step (D), and a second notification step (E).

該儲存資料步驟（S）為該銀行端伺服設備2的本行伺服器21儲存一連結資料，該連結資料記錄N個信用卡識別碼，也就是信用卡發卡銀行提供給其客戶的信用卡的卡號，每一信用卡識別碼對應一信用卡可用餘額，該N個信用卡識別碼當中的M個各自綁定一設定資料，每一設定資料記錄一存款帳戶識別碼、一金額上限，該金額上限是存款帳戶中被客戶設定可扣款的額度，其中，M≦N，M、N是正整數。The data storage step (S) is for thebank server 21 of the bank-side server device 2 to store a link data, the link data records N credit card identification codes, that is, the card number of the credit card provided by the credit card issuing bank to its customers. A credit card identification code corresponds to the available balance of a credit card, M of the N credit card identification codes are each bound to a setting data, and each setting data records a deposit account identification code and an amount limit. The customer sets the amount that can be deducted, where M≦N, where M and N are positive integers.

此外，該連結資料還記錄N個分別與該N個信用卡識別碼綁定的連絡資訊，更進一步地說，在該儲存資料步驟（S）中，首先是由本行伺服器21記錄關於消費者的相關個資，也就是連結資料，接著由消費者藉其搭載由本行伺服器21提供的應用程式的行動裝置4連結到本行伺服器21，進行相關帳戶綁定之設定，也就是提供前述的設定資料，更詳細地說，該設定資料所記錄的存款帳戶識別碼及金額上限是由客戶藉其行動裝置4提供登錄於該本行伺服器21，而該聯絡資訊一般而言可例如為消費者的該行動裝置4的手機號碼，或電子郵件帳號…等，此外，該存款帳戶識別碼為消費者在一銀行開立的活期存款帳戶，而該銀行在本實施例中可為與信用卡發卡銀行同一體系的銀行企業，亦可為外部不同體系的其他家銀行企業，一般來說，信用卡發卡銀行提供於其客戶的信用卡皆有一消費額度限制，而本實施例的設定資料所記錄的存款帳戶識別碼及金額上限即為當消費金額超過消費額度限制時，由消費者提供另一可供連動消費扣款的帳戶及金額，而其中具體的扣款方式將詳述於後。In addition, the link data also records N pieces of contact information that are respectively bound to the N credit card identification codes. More specifically, in the data storage step (S), thebank server 21 records the information about the consumer first. The relevant personal information, that is, the link data, is then linked to the bank'sserver 21 by the consumer through themobile device 4 equipped with the application program provided by the bank'sserver 21 to perform the setting of the relevant account binding, that is, to provide the aforementioned Setting data, more specifically, the deposit account identification code and the amount limit recorded in the setting data are provided by the customer through hismobile device 4 to log in to the bank'sserver 21, and the contact information can generally be, for example, consumption The mobile phone number of themobile device 4 of the consumer, or the e-mail account number, etc. In addition, the deposit account identification code is the current deposit account opened by the consumer in a bank, and the bank can issue cards with a credit card in this embodiment. Banking companies in the same system of banks can also be other banking companies in different external systems. Generally speaking, the credit cards provided by credit card issuing banks to their customers have a consumption limit limit, and the deposit account recorded in the setting data in this embodiment is The identification code and the upper limit of the amount are when the consumption amount exceeds the consumption limit, the consumer will provide another account and amount that can be debited for linked consumption, and the specific deduction method will be described in detail later.

該消費授權步驟（A）為該店家主機3接收一信用卡識別碼，及一對應該信用卡識別碼的一消費金額，而產生一授權請求到該銀行端伺服設備2，該授權請求具有該信用卡識別碼與該消費金額，更具體地說，當消費者於該店家主機3相關的消費通路以其信用卡進行消費時，該店家主機3依據其提供的信用卡的卡號，也就是前述的信用卡識別碼及其消費金額產生該授權請求到該銀行端伺服設備2，以進行後續的交易相關授權。The consumption authorization step (A) is that thestore host 3 receives a credit card identification code and a consumption amount corresponding to the credit card identification code, and generates an authorization request to thebank server device 2, and the authorization request has the credit card identification code and the consumption amount, more specifically, when the consumer consumes with his credit card in the consumption channel related to thestore host 3, thestore host 3 uses the card number of the credit card provided by thestore host 3, that is, the aforementioned credit card identification code and The consumption amount generates the authorization request to the bank-side server device 2 for subsequent transaction-related authorization.

該額度判斷步驟（B）為該銀行端伺服設備2根據該授權請求與關於消費者的該連結資料判斷是否該消費金額是否超過該信用卡可用餘額，也就是該銀行端伺服設備2判斷消費者於該次的消費是否超過刷卡額度，若否，則直接進行信用卡授權完成交易。In the limit determination step (B), the bank-side server device 2 determines whether the consumption amount exceeds the available balance of the credit card according to the authorization request and the linking data about the consumer, that is, the bank-side server device 2 determines whether the consumer is in Whether the current consumption exceeds the credit card limit, if not, then directly authorize the credit card to complete the transaction.

該交易授權步驟（C）為若該額度判斷步驟（B）的判斷結果為是，則該銀行端伺服設備2接著比對該信用卡識別碼是否符合該設定資料，當判斷為是，則執行步驟（D），當判斷為否，則發送相關的通知訊息到行動裝置4及店家主機3，並依據比對的結果產生一授權結果，該授權結果載有一交易是否成功的資訊，更具體地說，該交易授權步驟（C）詳細包括一比對識別碼子步驟（C1）、一比對差額子步驟（C2）、一執行扣款子步驟（C3）、一授權結果成功子步驟（C4）、一授權結果失敗子步驟（C5），及一拒絕交易子步驟（C6）。The transaction authorization step (C) is that if the judgment result of the limit judgment step (B) is yes, the bank-side server device 2 then compares whether the credit card identification code conforms to the setting data, and when the judgment is yes, execute the step (D), when the judgment is no, send a relevant notification message to themobile device 4 and thestore host 3, and generate an authorization result according to the result of the comparison, and the authorization result contains information on whether the transaction is successful, more specifically , the transaction authorization step (C) includes in detail a sub-step (C1) of comparing the identification code, a sub-step (C2) of comparing the difference, a sub-step of executing the deduction (C3), and a sub-step of a successful authorization result (C4) , an authorization result failure sub-step (C5), and a transaction rejection sub-step (C6).

該比對識別碼子步驟（C1）為該銀行端伺服設備2比對該授權請求的該信用卡識別碼是否為該連結資料的該M個信用卡識別碼其中之一，也就是判斷消費者是否有設定前述的另一可供連動消費扣款的帳戶及金額。The identification code comparison sub-step (C1) is for the bank-side server device 2 to compare whether the credit card identification code of the authorization request is one of the M credit card identification codes of the link data, that is, to determine whether the consumer has Set up another account and amount that can be debited for linked consumption.

該比對差額子步驟（C2）為若該子步驟（C1）的判斷結果為是，則該銀行端伺服設備2根據該信用卡識別碼所對應的存款帳戶識別碼，判斷該消費金額扣除該信用卡可用餘額後的一待扣差額是否小於該存款帳戶識別碼所對應的金額上限，也就是判斷關於消費者該次的消費金額扣除其信用卡額度後的差額是否低於該金額上限。In the comparison difference sub-step (C2), if the judgment result of the sub-step (C1) is yes, the bank-side server device 2 determines that the consumption amount deducts the credit card according to the deposit account identification code corresponding to the credit card identification code. Whether the difference to be deducted after the available balance is less than the upper limit of the amount corresponding to the ID of the deposit account, that is, it is determined whether the difference after deducting the credit card limit of the consumer's current consumption amount is lower than the upper limit of the amount.

該執行扣款子步驟（C3）為若該子步驟（C2）的判斷結果為是，則該銀行端伺服設備2執行一關於該存款帳戶識別碼的扣款指令，並據以產生該授權結果，更明確地說，每一存款帳戶識別碼各自對應一可變動的實際存款，當該銀行端伺服設備2執行扣款指令時，是對實際存款進行扣款。The sub-step (C3) of executing the deduction is that if the judgment result of the sub-step (C2) is yes, the bank-side server device 2 executes a deduction instruction related to the identification code of the deposit account, and generates the authorization result accordingly , to be more specific, each deposit account identification code corresponds to a variable actual deposit. When the bank-side server device 2 executes the deduction instruction, the actual deposit is deducted.

需再補充說明的是，若設定資料中的存款帳戶識別碼是屬於本行伺服器21的銀行帳戶，則本行伺服器21直接判斷其銀行帳戶設定的金額上限有無大於該差額，以進行後續連動扣款；如圖4所示，若設定資料中的存款帳戶識別碼是屬於一外部的他行銀行伺服器23的銀行帳戶，則本行伺服器21透過一全國繳費網22連線到該他行銀行伺服器23，判斷設定的存款帳戶的餘額有無大於該差額，以就餘額不足的款項進行後續的帳戶連動扣款。It should be added that if the deposit account identification code in the setting information belongs to the bank account of theserver 21 of the bank, theserver 21 of the bank will directly determine whether the upper limit of the amount set in the bank account is greater than the difference, so as to carry out subsequent steps. Linked deduction; as shown in FIG. 4 , if the deposit account identification code in the setting data is a bank account belonging to anexternal bank server 23 of another bank, thebank server 21 connects to the bank through anational payment network 22 Thebank server 23 of the other bank determines whether the balance of the set deposit account is greater than the difference, so as to carry out the subsequent linked deduction of the funds with insufficient balance.

該授權結果成功子步驟（C4）為該銀行端伺服設備2的本行伺服器21執行該扣款指令，且判斷該待扣差額小於該實際存款時，該授權結果指示一交易成功狀態，也就是代表該次扣款成功，完成交易。The authorization result is successful sub-step (C4) is that thebank server 21 of the bank-side server device 2 executes the deduction instruction, and when it is determined that the balance to be deducted is less than the actual deposit, the authorization result indicates a transaction success status, and also It means that the deduction is successful and the transaction is completed.

該授權結果失敗子步驟（C5）為當該銀行端伺服設備2的本行伺服器21執行該扣款指令，且判斷該待扣差額大於該實際存款時，該授權結果指示一交易失敗狀態，代表拒絕該次扣款，交易失敗，更明確地說，由於該實際存款為流動性的金額，可能因為客戶臨時挪用而低於該先前設定的金額上限，因而無法扣款。The authorization result failure sub-step (C5) is that when thebank server 21 of the bank-side server device 2 executes the debit instruction and determines that the balance to be deducted is greater than the actual deposit, the authorization result indicates a transaction failure status, The representative rejects the deduction and the transaction fails. More specifically, because the actual deposit is a liquid amount, it may be lower than the previously set upper limit due to temporary misappropriation by the customer, so the deduction cannot be made.

該拒絕交易子步驟（C6）為若該子步驟（C1）的判斷結果為否，代表該信用卡識別碼未綁定設定資料，因此該銀行端伺服設備產生一拒絕授權結果指示一拒絕交易狀態，拒絕該次超額交易。In the transaction rejection sub-step (C6), if the judgment result of the sub-step (C1) is negative, it means that the credit card identification code is not bound to the setting data, so the bank-side server device generates a rejection authorization result indicating a transaction rejection status. Reject the excess transaction.

該第一通知步驟（D）為該銀行端伺服設備2的本行伺服器21將該授權結果傳送到該店家主機3The first notification step (D) is that thebank server 21 of the bank-side server device 2 transmits the authorization result to thestore host 3

該第二通知步驟（E）為該銀行端伺服設備2的本行伺服器21還根據該連絡資訊將該授權結果傳送至所對應該行動裝置4。In the second notification step (E), thebank server 21 of the bank-side server device 2 also transmits the authorization result to the correspondingmobile device 4 according to the contact information.

接著再以一具體商務實例說明該實施例執行該信用卡連結帳戶支付方法的更具體做法，主要可分三大階段。Next, a specific business example is used to illustrate a more specific method of implementing the credit card linked account payment method in this embodiment, which can be mainly divided into three stages.

第一階段（由消費者進行帳戶連結相關設定）：The first stage (account link related settings are performed by the consumer):

具體而言，消費者透過行動裝置4執行該應用程式，以開啟使用者可觀看與操作之介面(包含 WEB、APP但不限於上述之方式)，進行身分檢核，並由銀行端伺服設備2的本行伺服器21撈取消費者先前開戶時設定的連結帳戶、金額上限、地點等資訊，並提供消費者使用中的設定資訊，並依近期帳單金額提供調整設定建議，若為初次使用者，則本行伺服器21抓取客戶消費資訊，分析使用金額及消費地點，給予帳戶連結金額上限、地點等設定建議，並設定帳戶連結資訊顯示於使用者可觀看與操作之介面。Specifically, the consumer executes the application through themobile device 4 to open the interface (including WEB, APP but not limited to the above methods) that the user can view and operate, perform identity verification, and thebank server server 2 The Bank'sserver 21 obtains the information of the linked account, amount limit, location, etc. previously set by the consumer when opening the account, and provides the consumer's setting information in use, and provides adjustment and setting suggestions according to the recent bill amount. If it is a first-time user , then the Bank'sserver 21 captures the customer's consumption information, analyzes the amount used and the consumption location, gives setting suggestions such as the upper limit of the account link amount and the location, and sets the account link information to be displayed on the interface that the user can view and operate.

消費者再據以自行決定要使用系統建議值或是自行勾選的帳戶連結金額上限、地點，並將帳戶連結金額上限、地點資訊，上傳至本行伺服器21進行設定，並由本行伺服器21回覆設定結果，以將帳戶連結設定結果顯示於消費者可觀看與操作之介面。Consumers then decide on their own whether to use the system recommended value or the account linking amount limit and location selected by themselves, and upload the account linking amount limit and location information to the bank'sserver 21 for setting, and the bank'sserver 21 Reply to the setting result, so as to display the account link setting result on the interface that consumers can view and operate.

第二階段（消費者以信用卡進行消費支付）：The second stage (consumer pays by credit card):

具體而言，當消費者以其信用卡於店家主機3進行消費支付時，先由店家主機3對本行伺服器21發出信用卡交易授權訊息，接著當本行伺服器21判斷該次消費超過信用卡可用餘額度時，本行伺服器21讀取個人設定的資訊，比對消費金額、地點是否在設定條件內，當判斷不符則婉拒交易，同時傳送簡訊告知消費者，當判斷符合則就餘額不足的款項進行帳戶連動扣款，若扣款成功則該筆授權交易成功，若扣款失敗則拒絕該筆授權交易，不論扣款成功與否，支付系統，也就是本行伺服器21均會發送通知(包含簡訊、e-mail等但不限於上述之通知方式)告知消費者扣款結果。此外，消費者的行動裝置4自該本行伺服器21接收到通知具體有三種內容：（一）交易失敗：因設定條件不符，無法連動扣款，可自行開啟使用者可觀看與操作之介面或使用語音、視訊等聯絡媒介(包含但不限於上述之方式)與銀行進行連絡調整。（二）交易失敗：因銀行帳戶扣款失敗，原因：餘額不足。（三）交易成功：已即時連動銀行帳戶扣款，扣款金額：X,XXX元。消費者並可依接收到的簡訊通知自行調整系統設定連結帳戶相關的設定，例如金額上限、地點，也就是前述的第一階段。Specifically, when the consumer uses his credit card to make consumption payment at thestore host 3, thestore host 3 first sends a credit card transaction authorization message to the bank'sserver 21, and then the bank'sserver 21 determines that the consumption exceeds the available credit card balance. When the time limit is reached, the bank'sserver 21 reads the information set by the individual, and compares the consumption amount and the location to see if the consumption amount and location are within the set conditions. If it is judged that it does not match, the transaction will be declined, and a text message will be sent to inform the consumer at the same time. Perform linked account deduction. If the deduction is successful, the authorized transaction is successful. If the deduction fails, the authorized transaction is rejected. Regardless of whether the deduction is successful or not, the payment system, that is, the bank'sserver 21 will send a notification ( Including SMS, e-mail, etc. but not limited to the above notification methods) to inform consumers of the deduction result. In addition, the notification received by the consumer'smobile device 4 from the bank'sserver 21 has three specific contents: (1) Transaction failure: because the set conditions do not match, the deduction cannot be linked, and the user can view and operate the interface by itself. Or use voice, video and other communication media (including but not limited to the above methods) to make contact adjustments with the bank. (2) Transaction failure: due to failure of debiting from the bank account, reason: insufficient balance. (3) The transaction is successful: the bank account has been debited immediately, and the debit amount: X, XXX yuan. Consumers can adjust the system settings related to the linked account settings, such as the amount limit and location, according to the SMS notification received, which is the first stage mentioned above.

需再補充說明的是，以實際商務應用而言，該本行伺服器21進一步可由一本行支付系統及一本行銀行系統協同運作以進行資訊交換、處理，該本行支付系統用以進行消費金額與信用卡可用餘額的差異比較，該本行銀行系統用以進行扣款相關作業。It should be added that, in terms of actual business applications, thebank server 21 can be further operated by a bank payment system and a bank bank system to exchange and process information, and the bank payment system is used for processing. The difference between the consumption amount and the available balance of the credit card is used by the Bank's banking system for deduction-related operations.

第三階段（消費分析）：The third stage (consumption analysis):

該本行伺服器21可依據消費者過往的消費記錄建立相關的資料庫，一般而言稱為資料倉儲系統，以分析客戶近期帳單，抓取客戶消費資訊，分析消費金額及消費地點，給予金額上限、地點等建議，並據以提供消費者使用中的設定資訊，並依近期帳單金額提供調整設定建議，此外，若為初次使用者，系統依消費分析結果，提供帳戶連結金額上限、地點等設定建議，消費者可自其設定帳戶連結資訊顯示操作之介面自行決定要使用系統預設或是自行勾選的帳戶連結金額、地點，並將帳戶連結金額上限、地點資訊，上傳至本行伺服器21以供設定，並由本行伺服器21回覆設定結果。Thebank server 21 can establish a relevant database based on the consumer's past consumption records, generally referred to as a data storage system, to analyze the customer's recent bills, capture the customer's consumption information, analyze the consumption amount and consumption location, and provide Amount limit, location and other suggestions, and provide consumers with the setting information in use, and provide adjustment setting suggestions based on the recent bill amount. In addition, if it is a first-time user, the system provides the account link amount limit based on the consumption analysis results, Location and other setting suggestions, consumers can decide to use the system default or self-checked account link amount and location from the interface where they set the account link information display operation, and upload the account link amount limit and location information to this website. Thebank server 21 is used for setting, and thebank server 21 returns the setting result.

綜上所述，本實施例藉由消費者藉由行動裝置4於銀行端伺服設備2提供關於存款帳戶識別碼與其金額上限的設定資料，當該銀行端伺服設備2接收到由店家主機3傳送的授權請求時，該銀行端伺服設備2即依據授權請求的消費金額及信用卡識別碼比對該次消費是否超過該信用卡識別碼對應的信用卡可用餘額，若是，則接著判斷該信用卡識別碼是否有綁定一記錄有存款帳戶識別碼的設定資料，若有，則接著判斷消費金額對比於信用卡可用餘額連同存款帳戶識別碼的金額上限的大小差異，並進行後續的交易扣款授權，以降低當消費者刷卡額度不足時，由客服人員處理相關作業的工作量，也提升了消費者使用信用卡消費的意願，及信用卡發卡銀行的發卡業績，從而有以下優點：To sum up, in this embodiment, the consumer uses themobile device 4 to provide the bank-side server device 2 with the setting data about the deposit account identification code and the upper limit of the amount. When the bank-side server device 2 receives the transmission from thestore host 3 When the authorization request is issued, the bank-side server device 2 compares the consumption amount and the credit card identification code according to the authorization request to see if the consumption exceeds the available credit card balance corresponding to the credit card identification code. Bind a setting data recorded with the deposit account identification code. If so, then determine the difference between the consumption amount and the available balance of the credit card and the upper limit of the amount of the deposit account identification code, and perform subsequent transaction deduction authorization to reduce the current When the consumer's credit card limit is insufficient, the workload of the customer service staff to handle related operations also improves the consumer's willingness to use credit card consumption and the credit card issuing bank's card issuance performance, which has the following advantages:

一、客戶無須受限於額度太低或額度不足，造成刷卡被拒問題。1. The customer does not need to be limited by the low or insufficient credit limit, which will result in the rejection of the credit card.

二、客戶可隨時調整帳戶餘額，完全掌握刷卡授權金額，自行決定消費金額。2. Customers can adjust the account balance at any time, fully grasp the authorized amount of swiping the card, and decide the consumption amount by themselves.

三、銀行可有效控制額度風險、降低客服進線量，故確實能達成本發明的目的。3. The bank can effectively control the limit risk and reduce the number of incoming customer service lines, so it can indeed achieve the purpose of the present invention.

惟以上所述者，僅為本發明的實施例而已，當不能以此限定本發明實施的範圍，凡是依本發明申請專利範圍及專利說明書內容所作的簡單的等效變化與修飾，皆仍屬本發明專利涵蓋的範圍內。However, the above are only examples of the present invention, and should not limit the scope of implementation of the present invention. Any simple equivalent changes and modifications made according to the scope of the patent application of the present invention and the contents of the patent specification are still included in the scope of the present invention. within the scope of the invention patent.

2:銀行端伺服設備21:本行伺服器22:全國繳費網23:他行銀行伺服器3:店家主機4:行動裝置S:儲存資料步驟A:消費授權步驟B:額度判斷步驟C:交易授權步驟C1:比對識別碼子步驟C2:第一比對差額子步驟C3:第二比對差額子步驟C4:授權扣款子步驟C5:禁止扣款子步驟D:第一通知步驟E:第二通知步驟2: Bank-side server equipment21: Bank server22: National Payment Network23: Other bank server3: Store host4: Mobile DevicesS: Steps to save dataA: Consumption authorization stepsB: Amount Judgment StepsC: Transaction authorization stepsC1: Alignment Identification Code SubstepC2: The first comparison difference sub-stepC3: The second comparison difference sub-stepC4: Authorized deduction sub-stepC5: Prohibition of deduction sub-stepD: The first notification stepE: Second notification step

本發明的其他的特徵及功效，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，說明本發明信用卡連結帳戶支付系統的一實施例；圖2是一流程圖，說明該實施例執行的一信用卡連結帳戶支付方法；圖3是一流程圖，輔助說明該信用卡連結帳戶支付方法的一交易授權步驟的細部流程；及圖4是一方塊圖，說明該實施例執行銀行帳戶扣款的另一態樣。Other features and effects of the present invention will be clearly presented in the embodiments with reference to the drawings, wherein:1 is a block diagram illustrating an embodiment of the credit card linked account payment system of the present invention;FIG. 2 is a flow chart illustrating a credit card linked account payment method implemented in this embodiment;3 is a flow chart to assist in explaining the detailed flow of a transaction authorization step of the credit card linked account payment method; andFIG. 4 is a block diagram illustrating another aspect of the embodiment for performing bank account debits.

2:銀行端伺服設備2: Bank-side server equipment

21:本行伺服器21: Bank server

3:店家主機3: Store host

4:行動裝置4: Mobile Devices

Claims (11)

Translated fromChinese

一種信用卡連結帳戶支付方法，由一信用卡連結帳戶支付系統執行，該信用卡連結帳戶支付系統包含一銀行端伺服設備，及一與該銀行端伺服設備通訊連接的店家主機，該信用卡連結帳戶支付方法包含：(S)該銀行端伺服設備儲存一連結資料，該連結資料記錄N個信用卡識別碼，每一信用卡識別碼對應一信用卡可用餘額，該N個信用卡識別碼當中的M個各自綁定一設定資料，每一設定資料記錄一存款帳戶識別碼與對應的一金額上限，該金額上限是存款帳戶中被設定可扣款的額度，其中，M≦N，M、N是正整數；(A)該店家主機接收一信用卡識別碼，及一對應該信用卡識別碼的一消費金額，而產生一授權請求到該銀行端伺服設備，該授權請求具有該信用卡識別碼與該消費金額；(B)該銀行端伺服設備根據該授權請求與該連結資料判斷該消費金額是否超過該信用卡可用餘額；及(C)若步驟(B)的判斷結果為是，則該銀行端伺服設備比對該信用卡識別碼是否符合該設定資料，並依據比對的結果產生一授權結果，該授權結果載有一交易是否成功的資訊，該銀行端伺服設備包括一由信用卡發卡銀行供以進行與信用卡消費相關的授權、扣款等程序的本行伺服器，該店家主機為消費通路業者提供消費者以信用卡進行消費而設置的信用卡消費服務相關裝置，一行動裝置為消費者所持有，該連結資料記錄的該等信用卡識別碼為信用卡發卡銀行提供給其客戶的信用卡的卡號，該連結資料還記錄N個分別與該N個信用卡識別碼綁定的連絡資訊，在該步驟(S)中，該連結資料為該本行伺服器記錄關於消費者的相關個資，該設定資料記錄的金額上限是由客戶藉其行動裝置提供登錄於該本行伺服器，該存款帳戶識別碼為消費者在一銀行開立的活期存款帳戶，該銀行為與信用卡發卡銀行同一體系的銀行企業，或為外部不同體系的其他家銀行企業二者其中之一，且該設定資料所記錄的存款帳戶識別碼及金額上限為當消費金額超過消費額度限制時，由消費者提供另一可供連動消費扣款的帳戶及金額。A credit card linked account payment method is executed by a credit card linked account payment system, the credit card linked account payment system includes a bank-side server device, and a store host communicatively connected to the bank-side server device, the credit card linked account payment method includes : (S) The bank-side server device stores a link data, the link data records N credit card identification codes, each credit card identification code corresponds to a credit card available balance, and M of the N credit card identification codes are each bound to a setting Data, each set data records a deposit account identification code and a corresponding upper limit of the amount, and the upper limit of the amount is the amount that can be deducted in the deposit account, wherein M≦N, M and N are positive integers; (A) the The store host receives a credit card identification code and a consumption amount corresponding to the credit card identification code, and generates an authorization request to the bank-side server device, the authorization request has the credit card identification code and the consumption amount; (B) the bank The terminal server device determines whether the consumption amount exceeds the available balance of the credit card according to the authorization request and the link data; and (C) if the determination result in step (B) is yes, then the bank server device compares the credit card identification code to see if It conforms to the setting data, and generates an authorization result according to the comparison result. The authorization result contains information about whether the transaction is successful. The bank-side server device includes a credit card issuing bank for authorization and deduction related to credit card consumption. The bank's server for other programs, the store host provides consumer channel operators with credit card transactionsA device related to credit card consumption service set for consumption, a mobile device is held by the consumer, the credit card identification codes recorded in the link data are the card numbers of the credit cards provided by the credit card issuing bank to its customers, and the link data also records N number of credit cards. Contact information respectively bound to the N credit card identification codes. In step (S), the linked data is the bank's server to record the relevant personal data about the consumer, and the upper limit of the amount recorded by the set data is determined by the customer. Log in to the bank's server through its mobile device, and the deposit account identification code is the demand deposit account opened by the consumer in a bank that is a banking enterprise in the same system as the credit card issuing bank, or an external bank with a different system. One of the two other banking companies, and the deposit account identification code and the upper limit of the amount recorded in the setting data are when the consumption amount exceeds the consumption limit, the consumer provides another account and amount that can be used for linked consumption deduction .如請求項1所述的信用卡連結帳戶支付方法，其中，該步驟(C)包含以下子步驟：(C1)該銀行端伺服設備比對該授權請求的該信用卡識別碼是否為該連結資料的該M個信用卡識別碼其中之一，(C2)若該子步驟(C1)的判斷結果為是，則該銀行端伺服設備根據該信用卡識別碼所對應的存款帳戶識別碼，判斷該消費金額扣除該信用卡可用餘額後的一待扣差額是否小於該存款帳戶識別碼所對應的金額上限，(C3)若該子步驟(C2)的判斷結果為是，該銀行端伺服設備執行一關於該存款帳戶識別碼的扣款指令，並據以產生該授權結果。The payment method for a credit card linked account according to claim 1, wherein the step (C) includes the following sub-steps: (C1) the bank-side server device compares whether the credit card identification code of the authorization request is the linked data One of the M credit card identification codes, (C2) if the judgment result of the sub-step (C1) is yes, the bank-side server device determines that the consumption amount deducts the credit card identification code according to the deposit account identification code corresponding to the credit card identification code Debit after credit card available balanceWhether the difference is less than the upper limit of the amount corresponding to the deposit account identification code, (C3) if the judgment result of the sub-step (C2) is yes, the bank-side server device executes a deduction instruction about the deposit account identification code, and according to to produce the authorization result.如請求項2所述的信用卡連結帳戶支付方法，其中，在該步驟(S)中，每一設定資料記錄的存款帳戶識別碼還對應一實際存款，該步驟(C)還包括以下子步驟，(C4)當該銀行端伺服設備執行該扣款指令，且判斷該待扣差額小於該實際存款時，該授權結果指示一交易成功狀態。The credit card linked account payment method according to claim 2, wherein, in the step (S), the deposit account identification code of each setting data record also corresponds to an actual deposit, and the step (C) further includes the following sub-steps: (C4) When the bank-side server device executes the deduction instruction and determines that the balance to be deducted is less than the actual deposit, the authorization result indicates a transaction success status.如請求項3所述的信用卡連結帳戶支付方法，其中，該步驟(C)還包括以下子步驟：(C5)當該銀行端伺服設備執行該扣款指令，且判斷該待扣差額大於該實際存款時，該授權結果指示一交易失敗狀態。The credit card linked account payment method according to claim 3, wherein the step (C) further includes the following sub-steps: (C5) when the bank-side server device executes the deduction instruction, and determines that the to-be-deducted balance is greater than the actual When depositing, the authorization result indicates a transaction failure status.如請求項1所述的信用卡連結帳戶支付方法，還包含一步驟(D)：該銀行端伺服設備將該授權結果傳送到該店家主機。The payment method for linking an account with a credit card according to claim 1, further comprising a step (D): the bank-side server device transmits the authorization result to the store host.如請求項1所述的信用卡連結帳戶支付方法，該信用卡連結帳戶支付系統還包含一與該銀行端伺服設備通訊連接，且對應一連絡資訊的行動裝置，其中，在該步驟(S)中，該連結資料還記錄N個分別與該N個信用卡識別碼綁定的連絡資訊，且信用卡連結帳戶支付方法，還包含一步驟(E)：該銀行端伺服設備根據該連絡資訊將該授權結果傳送至所對應該行動裝置。The credit card linked account payment method as described in claim 1, the credit card linked account payment system further comprises a mobile device that is connected to the bank-side server device in communication and corresponds to a contact information, wherein, in the step (S), The link data also records N pieces of contact information respectively bound to the N credit card identification codes,And the credit card linked account payment method further includes a step (E): the bank-side server device transmits the authorization result to the corresponding mobile device according to the contact information.如請求項2所述的信用卡連結帳戶支付方法，還包含一子步驟(C6)：若該子步驟(C1)的判斷結果為否，該銀行端伺服設備產生一拒絕授權結果指示一拒絕交易狀態。The payment method for linking a credit card account according to claim 2, further comprising a sub-step (C6): if the judgment result of the sub-step (C1) is negative, the bank-side server device generates a rejection authorization result indicating a transaction rejection status .一種信用卡連結帳戶支付系統，包含：一銀行端伺服設備；及一店家主機，與銀行端伺服設備通訊連接，該銀行端伺服設備儲存一連結資料，該連結資料記錄N個信用卡識別碼，每一信用卡識別碼對應一信用卡可用餘額，該N個信用卡識別碼當中的M個各自綁定一設定資料，每一設定資料對應一存款帳戶識別碼與一對應的金額上限，其中，M≦N，M、N是正整數，該店家主機接收一信用卡識別碼，及一對應該信用卡識別碼的一消費金額，而產生一授權請求到該銀行端伺服設備，該授權請求具有該信用卡識別碼與該消費金額，該銀行端伺服設備根據該授權請求與該連結資料判斷該消費金額是否超過該信用卡可用餘額，若是，則該銀行端伺服設備比對該信用卡識別碼是否符合該設定資料，並依據比對的結果產生一授權結果，該授權結果載有一交易是否成功的資訊，該銀行端伺服設備包括一由信用卡發卡銀行供以進行與信用卡消費相關的授權、扣款等程序的本行伺服器，該店家主機為消費通路業者提供消費者以信用卡進行消費而設置的信用卡消費服務相關裝置，一行動裝置為消費者所持有，該連結資料記錄的該等信用卡識別碼為信用卡發卡銀行提供給其客戶的信用卡的卡號，該連結資料還記錄N個分別與該N個信用卡識別碼綁定的連絡資訊，該連結資料為該本行伺服器記錄關於消費者的相關個資，該設定資料記錄的金額上限是由客戶藉其行動裝置提供登錄於該本行伺服器，該存款帳戶識別碼為消費者在一銀行開立的活期存款帳戶，該銀行為與信用卡發卡銀行同一體系的銀行企業，或為外部不同體系的其他家銀行企業二者其中之一，且該設定資料所記錄的存款帳戶識別碼及金額上限為當消費金額超過消費額度限制時，由消費者提供另一可供連動消費扣款的帳戶及金額。A credit card linked account payment system, comprising: a bank-side server; The credit card identification code corresponds to the available balance of a credit card, and M among the N credit card identification codes are each bound to a setting data, each setting data corresponds to a deposit account identification code and a corresponding upper limit of the amount, where M≦N, M , N is a positive integer, the store host receives a credit card identification code and a consumption amount corresponding to the credit card identification code, and generates an authorization request to the bank-side server device, the authorization request has the credit card identification code and the consumption amount. , the bank-side server device determines whether the consumption amount exceeds the available balance of the credit card according to the authorization request and the linking data, and if so, the bank-side server device compares the credit card identification code to see if it matches the setting data, and according to the comparison As a result, an authorization result is generated. The authorization result contains information about whether the transaction is successful. The bank-side server device includes a bank server that is used by the credit card issuing bank to perform authorization and deduction procedures related to credit card consumption.The store host provides a consumer channel operator with a credit card consumption service related device set up by consumers for consumption with a credit card, a mobile device is held by the consumer, and the credit card identification codes recorded in the link data are provided to them by the credit card issuing bank. The card number of the customer's credit card, the link data also records N pieces of contact information respectively bound to the N credit card identification codes, the link data is the bank's server to record the relevant personal data about the customer, the setting data records the The maximum amount is provided by the customer through his mobile device to log in to the bank's server, and the deposit account identification code is the demand deposit account opened by the customer with a bank that is a banking enterprise in the same system as the credit card issuing bank, or It is one of other banking companies in different external systems, and the deposit account identification code and the upper limit of the amount recorded in the setting data are that when the consumption amount exceeds the consumption limit, the consumer will provide another linked consumption deduction. account and amount of the payment.如請求項8所述的信用卡連結帳戶支付系統，其中，該銀行端伺服設備比對該授權請求的該信用卡識別碼是否為該連結資料的該M個信用卡識別碼其中之一，若否，該銀行端伺服設備產生一拒絕授權結果指示一拒絕交易狀態，若是，則該銀行端伺服設備根據該信用卡識別碼所對應的存款帳戶識別碼，判斷該消費金額扣除該信用卡可用餘額後的一待扣差額是否小於該存款帳戶識別碼所對應的金額上限，若是，該銀行端伺服設備執行一關於該存款帳戶識別碼的扣款指令，並據以產生該授權結果。The credit card linked account payment system according to claim 8, wherein the bank-side server device compares whether the credit card identification code of the authorization request is one of the M credit card identification codes of the linked data, and if not, the The bank-side server device generates a rejection authorization result indicating a transaction rejection state. If so, the bank-side server device determines that the consumption amount is available after deducting the credit card according to the deposit account identification code corresponding to the credit card identification code.Whether the balance to be deducted after the balance is less than the upper limit of the amount corresponding to the deposit account identification code, if so, the bank-side server device executes a deduction command related to the deposit account identification code, and generates the authorization result accordingly.如請求項9所述的信用卡連結帳戶支付系統，其中，每一設定資料記錄的存款帳戶識別碼還對應一實際存款，當該銀行端伺服設備執行該扣款指令，且判斷該待扣差額小於該實際存款時，該授權結果指示一交易成功狀態，當該銀行端伺服設備執行該扣款指令，且判斷該待扣差額大於該實際存款時，該授權結果指示一交易失敗狀態。The credit card linked account payment system according to claim 9, wherein the deposit account identification code of each setting data record also corresponds to an actual deposit, when the bank-side server device executes the deduction instruction and determines that the to-be-deducted balance is less than When the actual deposit is made, the authorization result indicates a successful transaction status, and when the bank-side server device executes the deduction instruction and determines that the balance to be deducted is greater than the actual deposit, the authorization result indicates a transaction failure status.如請求項8所述的信用卡連結帳戶支付系統，還包含一與該銀行端伺服設備通訊連接，且對應一連絡資訊的行動裝置，其中，該連結資料還記錄N個分別與該N個信用卡識別碼綁定的連絡資訊，該銀行端伺服設備根據該連絡資訊將該授權結果傳送至所對應該行動裝置。The credit card linked account payment system according to claim 8, further comprising a mobile device connected to the bank-side server device for communication and corresponding to a contact information, wherein the linked data further records N identifications with the N credit cards respectively contact information bound to the code, the bank-side server device transmits the authorization result to the corresponding mobile device according to the contact information.

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