TWI879089B - Paperless transaction system and method - Google Patents

Abstract

The disclosure provides a paperless transaction system and method. The system includes a processor, a server and a transceiver. The processor is coupled to the server and the transceiver. The paperless transaction system can obtain payment information by scanning the barcode displayed on the user's device or by using near field communication. Then, the transaction details can be displayed on the user's user device through near field communication. Not only can it prevent users from manually entering incorrect payment information, which may cause subsequent cash flow problems, but also reduce the printing of transaction details to achieve concealment and paperless transactions, and improve the efficiency of transfers or payments.

Description

Paperless transaction system and method

The present invention relates to a transaction system and method, and in particular to a paperless transaction system and method.

Users often use automated teller machines (ATMs) to transfer money and pay bills. However, in the past, users held a bill to be paid and had to review the bill information while entering the bill information. After entering the information, the user had to check and confirm the accuracy of the bill information displayed on the screen again, which often caused users to spend a lot of time on the operation and brought considerable trouble and inconvenience. At the same time, they would also worry about input errors, which caused great psychological burden. If the transfer or payment is wrong, it will cause great problems for the bank in the subsequent processing. After a successful transaction, the transaction details printed on thermal paper are not only difficult to preserve for a long time, but also produce harmful chemicals such as heavy metals and organic volatiles after burning. If the combustion is not complete, it may also produce dioxin, causing problems such as paper waste and environmental pollution.

Therefore, how to reduce the time users spend on transferring money and paying fees to improve efficiency and reduce the use of paper is an important issue.

In view of this, the present disclosure provides a paperless transaction system and method, which obtains the payment information by scanning a barcode or sensing a near field communication (NFC) tag chip, and obtains the payment details by near field communication after the payment is successfully made.

The paperless transaction system disclosed herein includes: a server, a transceiver and a processor. The transceiver includes a near field communication tag chip. The processor is coupled to the server and the transceiver and is configured to execute: obtaining payment information; obtaining pending payment information through the transceiver; in response to the user confirming that the pending payment information is correct, executing the transaction and authorizing the pending payment information with the payment information; transmitting the transaction record back to the server for future reference; and transmitting the transaction record to the user's user device in a paperless manner through the near field communication tag chip of the transceiver.

The paperless transaction method disclosed herein includes: obtaining payment information; obtaining pending payment information through a transceiver; in response to the user confirming that the pending payment information is correct, executing the transaction and authorizing the pending payment information with the payment information; transmitting the transaction record back to a server for future reference; and transmitting the transaction record to the user's user device in a paperless manner through a near field communication tag chip of the transceiver.

Based on the above, the present disclosure discloses a paperless transaction system and method, which can obtain the pending payment information by scanning the barcode displayed on the user's device or by near field communication. Then, the transaction details can be displayed on the user's user device through near field communication. Not only can it avoid the user manually entering the wrong pending payment information and causing subsequent financial flow problems, but it can also reduce the printing of transaction details to achieve confidentiality and paperless transactions, and improve the efficiency of transfer or payment.

Reference will now be made in detail to the exemplary embodiments of the present disclosure, and examples of the exemplary embodiments are illustrated in the attached drawings. The terms "first", "second", etc. mentioned in the entire specification of this case (including the scope of the patent application) are used to name the elements or distinguish different embodiments or scopes, and are not used to limit the upper or lower limit of the number of elements, nor to limit the order of the elements. In addition, wherever possible, the elements/components with the same reference numerals in the drawings and embodiments represent the same or similar parts.

FIG1 is a schematic diagram of a paperless transaction system 100 according to an embodiment of the present disclosure. The paperless transaction system 100 may include a processor 110, a server 120, and a transceiver 130.

In the embodiments disclosed herein, the processor 110 is, for example, a central processing unit (CPU), or other programmable general-purpose or special-purpose micro control unit (MCU), microprocessor, digital signal processor (DSP), programmable controller, application specific integrated circuit (ASIC), graphics processing unit (GPU), image signal processor (ISP), image processing unit (IPU), arithmetic logic unit (ALU), complex programmable logic device (CPLD), field programmable gate array (FPGA), or other similar components or combinations of the above components. The processor 110 may be coupled to the server 120 and the transceiver 130 .

The transceiver 130 transmits and receives signals wirelessly or wiredly. The transceiver 130 may also perform operations such as low noise amplification, impedance matching, frequency mixing, up or down frequency conversion, filtering, amplification, and the like. In particular, in the disclosed embodiment, the transceiver 130 also includes a near field communication (NFC) tag chip to receive information transmitted by a device that also has a near field communication tag chip 131, or the transceiver 130 may also transmit information to the device through the near field communication tag chip 131.

FIG. 2 is a flowchart of the implementation of the paperless transaction system disclosed herein. In the embodiment disclosed herein, the paperless transaction system 100 can perform the following process through the processor 110: In process S201, the processor 110 obtains payment information. In process S202, the processor 110 obtains pending payment information through the transceiver 130. In process S203, the processor 110 responds to the user confirming that the pending payment information is correct, executes the transaction and authorizes the payment information to the pending payment information. In process S204, the processor 110 returns the transaction record to the server 120 for future reference. And in process S205, the processor 110 transmits the transaction record to the user's user device in a paperless manner through the near field communication tag chip 131 of the transceiver 130.

For details, please refer to FIG. 3 . FIG. 3 is a detailed flowchart of the implementation of paperless transactions disclosed herein. First, the user goes to the bank's automated teller machine (ATM) 310 to prepare for a transfer or payment. In the embodiment disclosed herein, the paperless transaction system 100 also includes a card reader (not shown). The user can insert a bank card 321 through the card reader coupled to the processor 110, and the processor 110 obtains payment information through the card reader, that is, the processor 110 obtains account information of, for example, the user's bank card 321.

In other embodiments of the present disclosure, the paperless transaction system 100 further includes a biometric capturer (not shown). The biometric capturer is coupled to the processor 110, and the processor 110 can obtain the user's biometrics provided by the user through the biometric capturer. The processor 110 can also obtain the user's payment information from the server 120 based on the biometrics.

Furthermore, the user can store the user's biometrics in the bank's server 120 by applying at the bank counter. For example, the user can provide the user's fingerprint 322, facial features, voice print, etc. through the biometrics capturer at the bank counter, and the user authorizes the user's biometrics to be linked to the user's bank account information. At the same time, the processor 110 also transmits the aforementioned biometrics linked to the bank account information to the server 120 for storage. In this way, the user can obtain the user's bank account information through the biometrics in the future.

Returning to FIG. 3 , in other embodiments of the present disclosure, the user provides a fingerprint 322 of the user, for example, through a biometric capture device, and the processor 110 obtains the user's bank account information through the user's fingerprint 322 .

In the embodiment of the present disclosure, no matter the user provides the aforementioned bank card 321 or fingerprint 322, the processor 110 can obtain the payment account (payment information), and the processor 110 can display the payment account screen 330 on the screen through the user interface of the ATM 310.

It should be understood that after the processor 110 obtains the payment account, the user needs to enter the password corresponding to the payment account before the processor 110 can continue with the subsequent transaction. Therefore, the processor 110 can prompt the user to enter the password corresponding to the payment information through the user interface of the ATM 310 to continue the transaction.

In the previous embodiments, the user inputs the pending payment information through the user interface (panel) of the ATM 310. The processor 110 displays the pending payment information input by the user on the panel for the user to confirm whether the input pending payment information is correct.

Please refer to FIG. 3 again. In the embodiment of the present disclosure, the paperless transaction system 100 further includes a barcode scanner 341. The barcode scanner 341 is coupled to the processor 110, and the processor 110 can obtain the payment information by scanning the barcode through the barcode scanner 341. The aforementioned barcode is, for example, a one-dimensional barcode 3411, or a two-dimensional barcode 3412, and the barcode can be displayed on the user interface of the user device 380 of the user.

In addition, in other embodiments of the present disclosure, the processor 110 of the paperless transaction system 100 can also obtain the pending payment information by sensing the NFC electronic tag through the NFC tag chip. And the processor 110 can substitute the pending payment information into the ATM display screen 350 according to the pending payment information.

Furthermore, in the first sub-embodiment of the present disclosure, the pending payment information is a credit card fee. The user can use a credit card and sense the credit card's NFC 342 electronic tag through the NFC tag chip 131 of the paperless transaction system 100 to obtain the pending payment information of the credit card.

In the second embodiment of the present disclosure, the pending payment information is the user's personal account information of other banks. In a similar manner as the first embodiment, the user can hold a bank card of another bank and obtain the pending payment information of the bank card 321 by sensing the NFC 342 electronic tag of the bank card 321 through the NFC tag chip 131 of the paperless transaction system 100.

In the third sub-embodiment of the present disclosure, the pending payment information is other bill information, such as water, electricity, gas, etc. The user can record the water, electricity, gas, etc. bill information through the NFC electronic tag sticker, and the user can sense the NFC 342 electronic tag sticker through the NFC tag chip 131 of the paperless transaction system 100 to obtain the pending payment information of water, electricity, gas.

Returning to FIG. 3 , in the embodiment of the present disclosure, after the user confirms that the payment account and the information to be paid are correct through the user interface of the ATM 310, the user can click to confirm, and the processor 110 executes the transaction and authorizes the payment information to be paid. The processor 110 then sends the transaction record back to the server 120 for future reference, and the processor 110 also asks the user through the user interface of the ATM 310 how to obtain the transaction record. The user can choose to display the transaction details on the screen (panel) 360 of the ATM, where the transaction details include the payment account, the information paid, and the transaction amount.

In the embodiment of the present disclosure, the processor 110 can encode the transaction details. The encoding method is, for example, that the processor 110 encrypts and encodes the transaction record through the user's identity information obtained from the payment information provided by the user. This prevents sensitive data from being stolen and improves the protection mechanism of information security. The identity information is, for example, the user's identity card uniform number. The implementer of this invention can adjust the encryption encoding method of the transaction record according to the actual application.

In the embodiment of the present disclosure, after the processor 110 completes the encryption of the transaction details, the processor 110 may overwrite the encrypted transaction details into the NFC tag chip of the ATM.

Please refer to FIG. 3 again. In the embodiment of the present disclosure, the user can use the user device 380 to turn on the NFC 370 reading device function. The user uses the user device 380 to sense the NFC tag chip of the ATM and obtains the encrypted transaction details and stores them in the user device 380. It should be noted that if the user does not sense the NFC tag chip of the ATM and obtain the encrypted transaction details within the specified time, the processor 110 will automatically delete the encrypted transaction details to prevent other users from obtaining them. In addition, when the user senses the NFC tag chip of the ATM and obtains the encrypted transaction details within the specified time, the processor 110 will also delete the encrypted transaction details. The designated time is, for example, one minute after the transaction is completed. The implementer of the present disclosure may adjust the length of the designated time according to actual applications.

In the embodiment of the present disclosure, the user device 380 is, for example, a smart phone, a tablet computer or other similar devices. For example, any device that can enable the function of the near field communication reading device equipment belongs to the scope of the user device 380 of the present disclosure.

In the embodiment of the present disclosure, the user can open the encrypted transaction details through the user device 380. The user enters a password to open and view the transaction details. The user can also forward the encrypted transaction details to other users. The forwarding method is, for example, to forward the data through the function of the near field communication reading device of the user device 380 and the function of the near field communication reading device of other user devices 380.

The present disclosure also provides a paperless transaction method, which can be implemented by the processor 110 of the paperless transaction system, including: in process S201, obtaining payment information. In process S202, obtaining pending payment information through the transceiver 130. In process S203, in response to the user confirming that the pending payment information is correct, executing the transaction and authorizing the payment information to the pending payment information. In process S204, the transaction record is returned to the server 120 for reference. And in process S205, the transaction record is transmitted to the user device 380 of the user in a paperless manner through the near field communication tag chip 131 of the transceiver 130.

In summary, the present disclosure discloses a paperless transaction system and method, which can obtain the pending payment information by scanning the barcode displayed on the user's device or by near field communication. Then, the transaction details can be displayed on the user's user device through near field communication. Not only can it avoid the user manually entering the wrong pending payment information and causing subsequent financial flow problems, but it can also reduce the printing of transaction details to achieve confidentiality and paperless transactions, and improve the efficiency of transfer or payment.

100: Paperless transaction system 110: Processor 120: Server 130: Transceiver 131: Near field communication tag chip S201, S202, S203, S204, S205: Process 310: ATM 321: Bank card 322: Fingerprint 330, 350, 360: Screen 341: Barcode scanner 3411: 1D barcode 3412: 2D barcode 342, 370: Near field communication 380: User device

FIG1 is a schematic diagram of the paperless transaction system disclosed herein. FIG2 is a flowchart of the implementation of the paperless transaction system disclosed herein. FIG3 is a detailed flowchart of the implementation of the paperless transaction disclosed herein.

100: Paperless transaction system

110: Processor

120: Server

130: Transceiver

131: Near Field Communication Tag Chip

Claims (18)

A paperless transaction system, comprising: a server; a transceiver, including a Near Field Communication (NFC) tag chip; a biometric capturer; and a processor, coupled to the server, the transceiver and the biometric capturer, and configured to perform: obtaining a user's biometrics through the biometric capturer; obtaining the user's payment information from the server based on the biometrics, wherein the payment information includes a payment account number; obtaining pending payment information through the transceiver; in response to the user confirming that the pending payment information is correct, executing the transaction and authorizing the pending payment information with the payment information; returning the transaction record to the server for reference; and The record of the transaction is transmitted to the user device of the user in a paperless manner via the NFC tag chip of the transceiver. The paperless transaction system as described in claim 1 further includes a card reader coupled to the processor, wherein the processor is further configured to execute: In response to the user inserting a bank card into the card reader, obtaining the payment information through the card reader. A paperless transaction system as described in claim 1, wherein the processor is further configured to perform: In response to obtaining the payment information, prompting the user to enter a password corresponding to the payment information to conduct the transaction. The paperless transaction system as described in claim 1, wherein the processor is further configured to execute: Receive the payment information to be paid input by the user through a panel. The paperless transaction system as described in claim 1 further includes a barcode scanner coupled to the processor, and the processor is further configured to execute: Scanning a barcode through the barcode scanner to obtain the payment information. A paperless transaction system as described in claim 1, wherein the processor is further configured to perform: Sense a near field communication electronic tag through the near field communication tag chip to obtain the payment information to be paid. The paperless transaction system as described in claim 1, wherein the processor is further configured to perform: Encrypting the record of the transaction according to the identity information of the user, and transmitting the record to the user device of the user via the near field communication tag chip within a specified time. A paperless transaction system as described in claim 7, wherein the processor is further configured to perform: If the record is not transmitted to the user device within the specified time, delete the record; or In response to transmitting the record to the user device, delete the record. A paperless transaction system as described in claim 1, wherein the processor is further configured to perform: Displaying information of the transaction through a panel. A paperless transaction method, comprising: Obtaining a user's biometrics through a biometric capture device; Obtaining the user's payment information from a server based on the biometrics, wherein the payment information includes a payment account number; Obtaining pending payment information through a transceiver; In response to the user confirming that the pending payment information is correct, executing the transaction and authorizing the pending payment information with the payment information; Sending the transaction record back to the server for future reference; and Transmitting the transaction record to the user device of the user in a paperless manner through a near field communication tag chip of the transceiver. The paperless transaction method as described in claim 10 further includes: In response to the user inserting a bank card into a card reader, obtaining the payment information through the card reader. The paperless transaction method as described in claim 10 further includes: In response to obtaining the payment information, prompting the user to enter a password corresponding to the payment information to conduct the transaction. The paperless transaction method as described in claim 10 further includes: receiving the payment information entered by the user through a panel. The paperless transaction method as described in claim 10 further includes: Scanning a barcode through a barcode scanner to obtain the payment information. The paperless transaction method as described in claim 10 further includes: Sensing a near field communication electronic tag through the near field communication tag chip to obtain the payment information. The paperless transaction method as described in claim 10 further includes: Encrypting the record of the transaction according to the identity information of the user, and transmitting the record to the user device of the user via the near field communication tag chip within a specified time. The paperless transaction method as described in claim 16 further includes: If the record is not transmitted to the user device within the specified time, deleting the record; or In response to transmitting the record to the user device, deleting the record. The paperless transaction method as described in claim 10 further includes: Displaying the information of the transaction through a panel.

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