Card not present transaction system and method for operating card not present transaction system

Abstract

A card not present transaction system includes a transaction control device for scanning a barcode to obtain transaction information and an address of a middleware and to send a connection message tothe address of the middleware according to the transaction information, the middleware for establishing a connection with a transaction control device according to the connection message received, toobtain a transaction token and a transaction amount from the transaction control device through the connection and to send a transaction message according to the transaction token and the transactionamount, and an acquirer server for receiving the transaction message to establish a connection with the middleware and to generate a transaction confirmation message to the middleware according to thetransaction message after verifying the transaction token. The invention can replace the card reader by the intermediary server, so that the merchant can still provide mobile payment service withoutadditional card reader, so as to simplify hardware equipment and increase service flexibility.

Description

technical field [0001] The invention relates to a card-free transaction system, in particular to a card-free transaction system capable of using an intermediary server to simplify hardware required by a user terminal and a method for operating the card-free transaction system. Background technique [0002] Although the paperless transaction mode provides consumers with convenient choices, for many merchants, in order to provide various paperless transactions, such as credit cards, smart cards (easy cards) or mobile payments...etc., often Different electronic devices are required to connect with the financial industry that provides the service. Since the equipment needs to bear additional costs, and needs to apply to the financial industry, it causes inconvenience to the merchants. [0003] For example, in the prior art, in order to provide mobile payment services, such as Apple Pay provided by Apple and Samsung Pay provided by Samsung, merchants must additionally set up aut...

AI Technical Summary

Problems solved by technology

[0004] The present invention provides a card-free transaction system and a method of operating the card-free transaction system to solve the problem that different electronic devices need to be used to connect with financial operators providing services when conducting paperless transactions, and the problem of inflexibility in use

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