Information System, Processing Station and Credit Card Payment Method

• US 20110029437A1
• Filed: 05/21/2010
• Published: 02/03/2011
• Est. Priority Date: 07/31/2009
• Status: Abandoned Application

• Current Assignee: Hsinchu Transport Company Limited
• Original Assignee: Hsinchu Transport Company Limited
• Inventors: Lee, Cheng-I
• Application Number:
  US12/784,935
• Publication Number:
  US 20110029437A1
• Time in Patent Office: Days
• US Class Current: 705/72
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/325 using wireless networks
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G07F 7/08 by coded identity card or credit card or other personal identification means without personal verification means G07F7/02
• CPC Class Codes: G07F 7/0886 the card reader being portable for interacting with a POS or ECR in realizing a payment transaction

Abstract

Disclosed are an information system, processing station and credit card payment method. The system comprises at least one mobile device and an information processing station communicating with the mobile device. The information processing station comprises at least one logistics information server and at least one money flow information server. The logistics information server stores shipping status messages, and the money flow information server receives and stores the shipping status messages output from the logistics information server. After the money flow information server receives at least one trading message from mobile device on an encrypted channel, the trading message is directed on another encrypted channel with at least one encrypting protocol and an authorization message from one of bank servers is received. After the authorization message is encrypted, the authorization message is stored in correspondence with the shipping status messages and a delivery confirmation message is output to the logistics information server.

Claims

1. An information system, comprising:

at least one mobile device, and

an information processing station, which is applied to enable the mobile device to communicate with at least one bank server;

wherein the information processing station is comprised of at least one logistics information server and at least one money flow information server;

wherein the logistics information server is applied to store a plurality of shipping status messages, and the money flow information server is applied to receive and store the at least one shipping status message from the logistics information server;

wherein the money flow information server is comprised of a redirect module, an information storing module, an encryption/decryption module and a first controlling module connecting to the redirect module;

wherein the information storing module and the encryption/decryption module are applied to control the operations of the redirect module, the information storing module and the encryption/decryption module;

wherein the redirect module is applied to receive at least one trading message from an encrypted channel, and the encryption/decryption module enables the redirect module to direct the trading message to another encrypted channel and to receive an authorization message from a bank server with at least one encrypting protocol, wherein the authorization message is encrypted later and stored to the information storing module in correspondence with the shipping status message, and the redirect module transmits a delivery confirmation message to the logistics information server.

2. The information system as claim 1, wherein the first controlling module runs a message transmitting interface server software to communicate with the at least one bank server.

3. The information system as claim 1, wherein the mobile device is comprised of:

an information inputting module;

a wireless transmitting module;

a storing module;

a display module;

a barcode reading module; and

a second controlling module, which is connected to and applied to control the information inputting module, the wireless transmitting module, the storing module, the display module and the barcode reading module.

4. The information system as claim 3, further comprising a draft printing device to receive at least one printed information wireless-transmitted by the mobile device.

5. The information system as claim 1, wherein the encrypted channels are of any combinations of wireless network, virtual private network and wire network.

6. The information system as claim 1, wherein the encrypted channels are by way of at least one fixed IP.

7. The information system as claim 1, wherein the encrypting protocol is a SSL protocol, 3D protocol or SPA protocol.

8. The information system as claim 1, wherein the trading message is comprised of any combination of a credit card number, a credit card valid date, a transaction amount, a set of security number and a set of passwords.

9. The information system as claim 1, wherein the information storing module stores at least one record file to record the received shipping status message, wherein the record file is comprised of a delivery date and an item number.

10. The information system as claim 1, wherein the logistics information server is applied to update the corresponding shipping status message according to the delivery confirmation message.

11. The information system as claim 1, wherein the mobile device communicates with the bank server via a browser operating system when the information processing station enables the mobile device to communicate with the at least one bank server.

12. A credit card payment method, comprising the steps of:

receiving and storing at least one shipping status message from at least one logistics information server;

receiving at least one trading message from an encrypted channel and directing the trading message to another encrypted channel with at least one encrypting protocol;

asking for authorization to a bank server;

encrypting and saving the authorization message in correspondence with the shipping status message while receiving an authorization message; and

transmitting a delivery confirmation message to the logistics information server.

13. The credit card payment method as claim 12, wherein the encrypted channels are of any combinations of a wireless network, virtual private network and wire network.

14. The credit card payment method as claim 12, wherein the encrypted channels are by way of at least one fixed IP.

15. The credit card payment method as claim 12, wherein the encrypting protocol is a SSL protocol, 3D protocol or SPA protocol.

16. The credit card payment method as claim 12, further comprising a step of running a message transmitting interface server software to communicate with at least one bank server.

17. The credit card payment method as claim 12, further comprising a step of transmitting the authorization message to a mobile device.

18. The credit card payment method as claim 12, wherein the trading message comprises any combination of a credit card number, a credit card valid date, a transaction amount, a set of security number and a set of passwords.

19. The credit card payment method as claimed in the claim 12, wherein the shipping status message comprises a delivery date and an item number.

20. An information processing station, comprising:

at least one logistics information server, which is applied to store a plurality of shipping status messages; and

at least one money flow information server, which is applied to receive and store at least one shipping status message from a logistics information server;

wherein the money flow information server is comprised of;

a redirect module;

an information storing module;

an encryption/decryption module; and

a first controlling module, which is applied to connect to and control the redirect module, the information storing module and the encryption/decryption module;

wherein the redirect module is applied to receive at least one trading message from an encrypted channel, and the encryption/decryption module enables the redirect module to direct the trading message to another encrypted channel and to receive an authorization message from a bank server with at least one encrypting protocol, wherein the authorization message is encrypted later and stored to the information storing module in correspondence with the shipping status message, and the redirect module transmits a delivery confirmation message to the logistics information server.

21. The information processing station as claim 20, wherein the money flow information server periodically gathers statistics of the authorization message in the information storing module and transmits at least one batch of statistics data to an acquiring bank server.