本新型是有關於一種支付架構，特別是指一種關於授權、付款人之查核或認可的支付系統。The present invention relates to a payment architecture, and more particularly to a payment system that is authorized or verified by a payer.
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。As far as the existing credit card spending mechanism is concerned, each credit card has a corresponding spending limit. When a credit card holder spends with his credit card, and the consumption amount exceeds the limit of his credit card, the consumer must spend through a credit card bank. 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。As a result, on the one hand, it will cause an increase in the workload of credit card bank-related customer service personnel, 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，本新型的目的，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系統。It is therefore an object of the present invention to provide a credit card linked account payment system that improves at least one of the disadvantages of the prior art.
於是，本新型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。Therefore, the new credit card linked account payment system includes a bank-side server device and a store host computer which is communicatively connected with 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 servo device stores a link data, which 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 with a setting data, each The setting data corresponds to a deposit account identifier and a corresponding upper limit of the amount, where M ≦ N, and 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 pair of a consumption amount corresponding to the credit card identification code, and generates an authorization request to the bank-side server device, the authorization request having 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 servo device judges 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 yes, the bank-side servo device compares the credit card identification code with the setting data, and generates an authorization result containing a debit result based on the comparison result.
本新型的功效在於：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 new model is that after receiving the authorization request transmitted from the store host, the bank-side servo device judges that the consumption amount exceeds the credit card available balance corresponding to the credit card identification code, and the credit card identification code belongs to the M credit card identification codes. For one, the bank-side servo device can then authorize the debit according to the setting data bound by the credit card identification code, thereby reducing the workload of customer service staff in processing the adjustment of the credit 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 card for credit card spending and the credit limit is insufficient, the consumer's current deposit account amount can be used for credit card consumption. Among them, consumers with lower credit card limits can be more autonomous and flexible. The use of credit cards for consumption eliminates the need to prepay the card to swipe the card.
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新型的實施方式。First, consumers use their mobile devices to carry applications developed by credit card issuing banks (hereinafter referred to as the Bank) or log in via online banking, and then set up their own current deposit accounts to link with their credit cards for instant flow, and You can set the conditions for spending, such as the maximum amount of money, the place of consumption (domestic, foreign), etc ... When the consumer's credit card is overdue, the bank's credit card operating system can actively link the current deposit account set by the consumer to the real-time flow To complete the credit card credit card authorization transaction, the credit card operating system can also analyze the consumer ’s consumption amount and consumption location to automatically generate account link amount limit, location and other information for consumers' reference and selection, in order to reduce the current credit card excess After rejection, the customer's incoming customer service request increased the temporary quota and increased the workload of customer service personnel. On the other hand, it also increased the willingness of consumers to spend with credit cards. The following is a detailed description of the new model. Implementation.
參閱圖1，本新型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 new credit card linked account payment system includes a bank-side server device 2, a store host 3 in communication with the bank-side server device 2, and a mobile device 4 in communication with the bank-side server device 2, The bank-side servo device 2 includes a bank server 21 provided by a credit card issuing bank to perform authorization, debit and other procedures related to credit card consumption, and the store host 3 is provided for the consumer channel operator to provide consumers with credit card for consumption Credit card consumer service related devices, the mobile device 4 is an electronic communication device held by consumers and capable of performing data access, writing, and transmission functions, such as communicating with a remote device with a fax machine or the Internet Connected laptops, smartphones, tablets ... and more.
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, a credit card linked account payment method performed in this embodiment is described, including a data storage step (S), a consumption authorization step (A), a credit judgment 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 step (S) of storing data is to store a link data of the bank server 21 of the bank-side server device 2. The link data records N credit card identification codes, that is, the credit card number provided by the credit card issuing bank to its customers. A credit card identification code corresponds to a credit card available balance, and M of the N credit card identification codes are each bound with a setting data, and each setting data records a deposit account identifier and an amount limit, which is the amount in the deposit account. The customer can set a deductible amount, where M ≦ N, and 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. Furthermore, in the step (S) of storing the data, the server 21 of the bank first records the information about the consumer. The relevant personal data, that is, the link data, is then connected to the bank's server 21 by the consumer through its mobile device 4 carrying the application provided by the bank's server 21 to set the relevant account binding, which is to provide the aforementioned The setting data, in more detail, the deposit account identifier and the upper limit of the amount recorded in the setting data are provided by the customer through his mobile device 4 to be registered in the bank server 21, and the contact information may generally be, for example, consumption The mobile phone number or email account number of the mobile device 4, etc. In addition, the deposit account identification code is a current deposit account opened by a consumer with a bank, and in this embodiment, the bank may issue a card with a credit card Banks in the same system can also be other banks in different external systems. Generally speaking, credit card issuers provide credit to their customers. Both have a consumption limit, and the deposit account identifier and the upper limit of the amount recorded in the setting data of this embodiment are when the consumption amount exceeds the limit of the consumption limit, the consumer provides another account and amount that can be used for deduction of linked consumption , And the specific deduction method will be detailed 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 for the store host 3 to receive a credit card identification code and a pair of consumption amount corresponding to the credit card identification code, and generate an authorization request to the bank-side server device 2, the authorization request has the credit card identification Code and the amount of consumption, more specifically, when the consumer uses his credit card to make purchases in the consumer related channel of the store host 3, the store host 3 uses the card number provided by the credit card, which 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。The amount judgment step (B) is that the bank-side server device 2 determines whether the consumption amount exceeds the credit card available balance based on the authorization request and the link information about the consumer, that is, the bank-side server device 2 determines whether the consumer Whether the consumption exceeds the credit card limit; if not, the credit card is authorized to complete the transaction directly.
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 quota judgment step (B) is yes, the bank-side servo device 2 then compares the credit card identification code with the setting data, and when the judgment is yes, executes the step (D), when it is judged as not, then send a relevant notification message to the mobile device 4 and the store host 3, and generate an authorization result based on the comparison result, the authorization result contains information on whether the transaction was successful, more specifically The transaction authorization step (C) includes a comparison identification code sub-step (C1), a comparison difference sub-step (C2), a deduction execution step (C3), and an authorization result success sub-step (C4). , An authorization result failure substep (C5), and a transaction rejection substep (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 comparison identification code sub-step (C1) is whether the bank-side server device 2 compares the credit card identification code of the authorization request with one of the M credit card identification codes of the link data, that is, determines whether the consumer has Set up the other account and amount that can be used for deduction of 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。The comparison difference sub-step (C2) is that if the judgment result of the sub-step (C1) is yes, the bank-side server device 2 judges the consumption amount minus the credit card according to the deposit account identification code corresponding to the credit card identification code. Whether a balance to be deducted after the available balance is smaller than the upper limit corresponding to the deposit account identifier, that is, to determine whether the difference between the consumer ’s current spending amount and the credit card limit is lower than the upper limit.
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 execution of the deduction sub-step (C3) is that if the judgment result of the sub-step (C2) is yes, the bank-side server device 2 executes a debit instruction regarding the deposit account identification code and generates the authorization result accordingly. More specifically, each deposit account identification code corresponds to a variable actual deposit. When the bank-side servo device 2 executes a debit instruction, it deducts the actual deposit.
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 data belongs to the bank account of the server 21 of the bank, the server 21 of the bank directly determines whether the upper limit of the amount set in the bank account is greater than the difference for subsequent follow-up. As shown in Figure 4, if the deposit account identification code in the setting data is a bank account belonging to an external bank server 23, the bank server 21 connects to the bank through a national payment network 22 The other bank server 23 judges whether the balance of the set deposit account is greater than the difference, so as to perform subsequent account-based deduction for the 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 success sub-step (C4) is the execution of the debit instruction by the bank server 21 of the bank-side servo device 2 and it is determined that the balance to be deducted is less than the actual deposit. The authorization result indicates a transaction success status. This means that the deduction was successful and the transaction was 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 when the bank server 21 of the bank-side servo device 2 executes the debit instruction and judges that the balance to be deducted is greater than the actual deposit, the authorization result indicates a transaction failure state, The representative refused the deduction and the transaction failed. More specifically, because the actual deposit is a liquid amount, it may be lower than the previously set maximum amount due to temporary embezzlement 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。The transaction refusal sub-step (C6) is that if the judgment result of the sub-step (C1) is no, 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 refusal 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 the bank server 21 of the bank-side servo device 2 transmits the authorization result to the store 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。The second notification step (E) is that the bank server 21 of the bank-side server device 2 also transmits the authorization result to the corresponding mobile 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 explain the more specific method of implementing the credit card linked account payment method in this embodiment, which can be divided into three major stages.
第一階段（由消費者進行帳戶連結相關設定）：Phase One (Consumer Linking Settings):
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 the mobile device 4 to open an interface that the user can watch and operate (including WEB, APP but not limited to the above), performs identity verification, and is performed by the bank-side servo device 2 The Bank's server 21 retrieves information such as the linked account, amount limit, and location set by the consumer when he opened an account previously, and provides the setting information in use by the consumer, and provides adjustment setting suggestions based on the recent billing amount. , Then the server 21 of the Bank captures the customer's consumption information, analyzes the usage amount and consumption location, gives advice on setting the account link amount limit, location, etc., and sets the account link information to be displayed on the user-viewable interface.
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。The consumer then decides whether to use the system recommended value or the account link amount limit and location checked by himself, and uploads the account link amount limit and location information to the bank server 21 for setting, and the bank server 21 Reply the setting result to display the account link setting result on the interface that consumers can watch and operate.
第二階段（消費者以信用卡進行消費支付）：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 a consumer uses his credit card to make a payment at the store host 3, the store host 3 first sends a credit card transaction authorization message to the bank server 21, and then when the bank server 21 determines that the consumption exceeds the credit card available balance At the time, the server 21 of the bank reads the personally set information, compares the consumption amount and location within the set conditions, and refuses the transaction when it is judged to be inconsistent. At the same time, it sends a text message to inform the consumer. Perform an account-linked deduction. If the debit is successful, the authorized transaction is successful. If the debit is unsuccessful, the authorized transaction is rejected. Regardless of the successful deduction, the payment system, that is, the server 21 of the Bank will send a notification ( (Including newsletters, e-mails, etc. but not limited to the above notification methods) to inform consumers of the debit result. In addition, the consumer ’s mobile device 4 received three notifications from the bank ’s server 21: (1) Transaction failure: due to inconsistent setting conditions, it is not possible to link the charge, and the user can open the interface that the user can watch and operate. Or use the media such as voice and video (including but not limited to the above methods) to make adjustments with the bank. (2) Transaction failure: due to bank account deduction failed, reason: insufficient balance. (3) Successful transaction: the bank account has been debited immediately, the deduction amount: X, XXX yuan. Consumers can also adjust system-related settings, such as the maximum amount and location, according to the received SMS notification, 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, the Bank's server 21 can be further operated by a bank's payment system and a bank's banking system for information exchange and processing. The bank's payment system is used for The difference between the consumption amount and the available credit card balance is used by the Bank's banking system to perform debit-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。The Bank's server 21 can build a relevant database based on the past consumption records of consumers, which is generally called a data warehouse system to analyze customers' recent bills, capture customer consumption information, analyze consumption amounts and consumption locations, and give Suggestions such as the amount limit, location, etc., and provide the setting information in use by consumers, and provide adjustment suggestions based on the recent billing amount. In addition, for first-time users, the system provides account link amount limits, Suggestions on settings such as location. Consumers can set the account link information display operation interface to determine the account link amount and location that are preset or checked by the system, and upload the account link amount limit and location information to this website. The line server 21 is provided for setting, and the setting server 21 responds to 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：In summary, in this embodiment, the consumer provides the bank account server 2 with the setting data on the deposit account identifier and the upper limit of its amount through the mobile device 4 when the bank server device 2 receives the transmission from the store host 3 When the authorization request is issued, the bank-side server device 2 determines whether the consumption exceeds the credit card available balance corresponding to the credit card identification code based on the consumption amount of the authorization request and the credit card identification code ratio. If so, then it determines whether the credit card identification code is available. Binding one records the setting data of the deposit account identification code. If there is, then it determines the difference between the amount of consumption compared with the credit card available balance and the maximum amount of the deposit account identification code, and conducts subsequent transaction debit authorization to reduce the current When the consumer's credit card limit is insufficient, the workload of the customer service staff to handle related tasks also increases the willingness of consumers to use credit cards and the credit card issuing banks' 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。First, customers do not need to be limited by the quota is too low or insufficient, resulting in the problem of rejection of 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. The customer can adjust the balance of the account at any time, fully grasp the authorized amount of the card swipe, and decide the consumption amount on his own.
三、銀行可有效控制額度風險、降低客服進線量，故確實能達成本新型的目的。Third, the bank can effectively control the quota risk and reduce the number of customer service lines, so it can indeed achieve the new purpose of cost.
惟以上所述者，僅為本新型的實施例而已，當不能以此限定本新型實施的範圍，凡是依本新型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，皆仍屬本新型專利涵蓋的範圍內。However, the above are only examples of the new model. When the scope of the new model cannot be limited by this, any simple equivalent changes and modifications made in accordance with the scope of the patent application for the new model and the contents of the patent specification are still Within the scope of this new 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 servo equipment
21‧‧‧ our server
22‧‧‧National Payment Network
23‧‧‧ Other Bank Server
3‧‧‧store host
4‧‧‧ mobile device
S‧‧‧ Steps to save data
A‧‧‧Consumption authorization steps
B‧‧‧ Quota judgment steps
C‧‧‧Transaction authorization steps
C1‧‧‧Comparison identification code sub-step
C2‧‧‧ First comparison difference substep
C3‧‧‧ Second comparison difference substep
C4‧‧‧ Authorization deduction sub-step
C5‧‧‧ Prohibition of deductions
D‧‧‧First notice step
E‧‧‧Second notification steps
本新型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，說明本新型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, among which:
FIG. 1 is a block diagram illustrating an embodiment of the novel credit card linked account payment system;
2 is a flowchart illustrating a credit card linked account payment method performed by the embodiment;
FIG. 3 is a flowchart to assist in explaining a detailed flow of a transaction authorization step of the credit card linked account payment method; and FIG. 4 is a block diagram illustrating another aspect of performing bank account deduction in this embodiment.
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| TW108210041UTWM587325U (en) | 2019-07-31 | 2019-07-31 | Credit card linked account payment system |
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| TW108210041UTWM587325U (en) | 2019-07-31 | 2019-07-31 | Credit card linked account payment system |
| Publication Number | Publication Date |
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| TWM587325Utrue TWM587325U (en) | 2019-12-01 |
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| TW108210041UTWM587325U (en) | 2019-07-31 | 2019-07-31 | Credit card linked account payment system |
| Country | Link |
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| TW (1) | TWM587325U (en) |
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| TWI775113B (en)* | 2020-07-16 | 2022-08-21 | 玉山商業銀行股份有限公司 | Transaction examining system and method thereof |
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| TWI775113B (en)* | 2020-07-16 | 2022-08-21 | 玉山商業銀行股份有限公司 | Transaction examining system and method thereof |
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