554300 A7 B7 五、發明說明（ 10 15 經濟部智慧射產局員工消費合作社印製 20 【發明所屬之技術領域】 本發明係關於-種跨國式交易付款:二種:提供多元通道，以供消費者依其本身軸 仃付費之跨國式交易付款系統。 【先前技術】 目前_之電子商務付費模式已逐漸成熟，除郵局匯 =銀行轉帳外，由_電信業者所推出之小額付款付費 矛已逐漸成為為線上交易方式的主軸。電信業者所推出 之線上付費模式，除提供消f者便利的網上付費，解決商 家網上收費問題外’對業者本身而言，亦為自己在這電子 /行動商務裡另闢一條商業生機。 雖然電信業者所提供之付費模式為其用戶帶來便利、 安全及有效的付費方式，但此便雜對肝及合作商家而 言卻有其地域上的限制。對電信業之客戶而言，此付費模 式只適驗有簽約合作使付款平自_路商家，這通 常都二局限於台灣的本土商家；因此當消費者至其它國家 進订消費時，除以信用卡付費外，即無其它選擇，但這又 面臨到將信用卡暴露於商家端及網際網路上的安全性問 題。對本國網路商家而言’财能@無法提供合適及方便 的付費模式給國外的消費者，而導致交易的損失。 由此可見，上述習用交易付款系統仍有諸多缺失，實 非一良善之設計者，而亟待加以改良。 本案發明人鑑於上述習用交易付款系統所衍生的各項 缺點，乃亟思加以改良創新，並經多年苦心孤f旨潛心研究 I*·------------- —訂-------! S— (請先閲讀背面之注意事項再填寫本頁} ^紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐） 經濟部智慧財產局員工消費合作社印製554300 A7 B7 V. Description of the invention (10 15 Printed by the Consumers' Cooperatives of the Ministry of Economic Affairs, Intelligent Production and Production Bureau [Technical Field to which the Invention belongs] The present invention is about one type of multinational transaction payment: two types: providing multiple channels for consumption Transnational payment system for payment based on its own axis. [Previous technology] At present, the e-commerce payment model has gradually matured, except for post office remittance = bank transfer, the small payment payment spear launched by _ telecommunications industry has gradually Become the mainstay of online transaction methods. The online payment model introduced by telecommunications providers, in addition to providing convenient online payment for consumers, solves the problem of online charging for merchants. There is another business vitality in commerce. Although the payment model provided by telecommunications operators brings convenience, security and effective payment methods to their users, this has some geographical restrictions for liver and cooperative merchants. For customers in the telecommunications industry, this payment model is only suitable for signing cooperation to make payments smooth. This is usually limited to Taiwan ’s Local merchants; therefore, when consumers make purchases in other countries, they have no choice but to pay by credit card, but they also face the security problem of exposing credit cards to merchants and the Internet. For merchants, 'Caineng @ cannot provide a suitable and convenient payment model to foreign consumers, resulting in transaction losses. It can be seen that there are still many shortcomings in the conventional transaction payment system, which is not a good designer. In view of the various shortcomings derived from the conventional transaction payment system, the inventor of this case is eager to improve and innovate, and after years of painstaking research I * · ---------- --- —Order -------! S— (Please read the notes on the back before filling out this page} ^ The paper size applies the Chinese National Standard (CNS) A4 (210 X 297 mm) Wisdom of the Ministry of Economic Affairs Printed by the Property Agency Staff Consumer Cooperative
554300 A7 _ _ ραγ>9Π49« nor. - δ.ι^ 你i>M?>*<^moaa3agi-aariw_Tfni_hi__· ιι，_暖ττ ·μτ,_ιι·μ·»γτ_『丨丨丨 睡，_丨 »加_ 丨···*·»丨"麵議咖•丨fctaa· 五、發明說明 後，終於成功研發完成本件跨國式交易付款系統。 【發明目的】 本發明之目的即在於提供一種跨國式交易付款系統， 可讓使用者在本國的網路商家進行交易外，亦可至他國合 5 作的網路商家透過網際網路來進行交易。 本發明之次一目的係在於提供一種跨國式交易付款系 統，可讓國外的消費者，至我方的網路商店進行交易時， 只要輸入其在當地國使用的付款帳號（如電信帳號）及其 相關的身份驗證資訊即可完成整個交易程序。 10 本發明之另一目的係在於提供一種跨國式交易付款系 統，可透過行動電話、WAP手機、3G手機、PDA、Web Browser、市内電話及Email等多元化方式來完成付費程序 及取得服務。 【内容】 15 可達成上述發明目的之跨國式交易付款系統，可提供 國内多種小額付款方式供消費者選擇外，並提供其它合作 國的付費方式供消費者選擇，而對電信網路用戶而言，除 可使用其行動電話門號/撥接帳號在台灣的網路商店進行 交易外，亦可使用至國外進行消費。另本發明可提供多元 20 通道以供消費者依其本身環境來進行付費。 【實施方式】 請參閱圖一所示，在多元通道資料轉換平台裡，其允 許消費者以不同的通訊網路管道來完成付費或取得服務/ 數位商品，這些管道包括一切有線或無線之通訊網路及其 -4- 本紙?iTiliiTFi¥¥?HNS)A4 規格（210 X 297 公釐） (請先閱讀背面之注意事項再填寫本頁) --#^—— —— 1 —訂--------- ^τ. 554300 經濟部智慧財產局員X消費合作社印製 A7 ——一一--...............................- _______ ·ΜΙ , ____________________________________ RL ................................... PAQ2Q428 DOC - fi/9 五、發明說明（^7)) 終端設備，例如行動電話、PDA、3G手機、電話語音、瀏 覽器（Browser)或email等，使用者可依其擁有的設備來決定 以何種方式與我們的GPC連接。電子商店為與GPC簽約合 作提供數位服務或商品的網路商店；多元化付款閘接器提 5供消費者多種付費方式選擇，當消費者輸入其付費資訊 後，此多元化付款閘接器再依這些資訊來判斷應送至後端 的那個認証系統作進一步用戶之認証授權處理。 請參閱圖二所示，係針對本發明的消費付款作業流程 加以說明，其中係包括有下列步驟： 10 A.由消費者透過通訊設備至資料轉換平台與特約之商 家端瀏覽或選購產品； B. 消費者透過資料轉換平台選擇商家所提供之付款方 式； C. 消費者輸入付款帳號、驗證個人身份等付款驗證資 15 料； D. 藉由資料轉換平台接收有線或無線資料，並將之轉 換為付款閘接器所能接受的共通性資料格式； E. 付款閘接器依輸入之付款驗證資料，加以傳送至認 言正主機，並請求認Ί正處理； 20 F.付款閘接器接收到認証主機傳送回來之認證授權結 果後，將該認證授權結果回覆給商家； G. 商家決定是否提供服務或商品給消費者； H. 商家告知付款閘接器對提供服務的訂單做請款動 作； 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐) ------------裝--------訂-—I----- (請先閱讀背面之注意事項再填寫本頁) 經濟部智慧財產局員工消费合作社印製 554300 Α7554300 A7 _ _ ραγ > 9Π49 «nor.-Δ.ι ^ you i > M? ≫ * < ^ moaa3agi-aariw_Tfni_hi__ · ιι, _ warm ττ · μτ, _ιι · μ ·» γτ_ 『丨 丨 丨 sleep, _ 丨 »Plus_ 丨 ··· * ·» 丨 " Negotiable Coffee • 丨 fctaa · V. After the description of the invention, we have successfully developed and completed this multinational transaction payment system. [Objective of the Invention] The purpose of the present invention is to provide a cross-border transaction payment system, which allows users to conduct transactions through the Internet in addition to the online merchants in their home country, and to online merchants cooperating in other countries. . A second objective of the present invention is to provide a multinational transaction payment system that allows foreign consumers to enter our online store for transactions, as long as they enter their payment account (such as a telecommunications account) used in the local country. And related authentication information can complete the entire transaction process. 10 Another object of the present invention is to provide a multinational transaction payment system that can complete payment procedures and obtain services through a variety of methods, such as mobile phones, WAP phones, 3G phones, PDAs, Web Browsers, local phones, and Email. [Content] 15 A multinational transaction payment system that can achieve the above-mentioned inventions. It can provide a variety of domestic small payment methods for consumers to choose from, and other partner countries' payment methods for consumers to choose. In addition, in addition to using his mobile phone door number / dial-up account number to conduct transactions at online stores in Taiwan, he can also use them to spend abroad. In addition, the present invention can provide multiple channels for consumers to pay according to their own environment. [Embodiment] Please refer to Figure 1. In the multi-channel data conversion platform, it allows consumers to complete payment or obtain services / digital goods through different communication network channels. These channels include all wired or wireless communication networks and Its -4- paper? ITiliiTFi ¥¥? HNS) A4 specification (210 X 297 mm) (Please read the precautions on the back before filling this page)-# ^ —— —— 1 —Order ----- ---- ^ τ. 554300 Member of the Intellectual Property Bureau of the Ministry of Economic Affairs X Consumer Cooperative printed A7-one by one ............... ...- _______ · MI, ____________________________________ RL ........... PAQ2Q428 DOC -fi / 9 V. Description of the Invention (^ 7)) Terminal equipment, such as mobile phones, PDAs, 3G mobile phones, phone voices, browsers or emails, etc., users can decide what kind of equipment they have Way to connect with our GPC. E-shops are online stores that provide digital services or products in cooperation with GPC. The diversified payment gateway provides consumers with a variety of payment options. After consumers enter their payment information, this diversified payment gateway will Based on this information, determine which authentication system should be sent to the back end for further user authentication and authorization processing. Please refer to FIG. 2 for a description of the consumer payment operation process of the present invention, which includes the following steps: 10 A. Consumers browse or purchase products through communication devices to data conversion platforms and special merchants; B. Consumers choose payment methods provided by merchants through the data conversion platform; C. Consumers enter payment verification information such as payment account numbers and verify personal identity; D. Receive wired or wireless data through the data conversion platform and send it Convert to a common data format that can be accepted by the payment gateway; E. The payment gateway sends the verification data to the authentication host according to the inputted payment verification data and requests confirmation to be processed; 20 F. Payment gateway After receiving the authentication and authorization result sent back by the authentication host, reply the authentication and authorization result to the merchant; G. The merchant decides whether to provide services or goods to the consumer; H. The merchant informs the payment gate to make an order for the service provided Action; This paper size applies to China National Standard (CNS) A4 (210 X 297 mm) ------------ installation -------- order --- I ---- -(Please read first Note to fill out the back of this page) Ministry of Economic Affairs Intellectual Property Office employees consumer cooperatives printed 554300 Α7
—Β7 _____________paum nmg/Q 五、發明說明（j) L付款閘接器將請款資料送至帳務系統執行出帳動 作0 在我們的架構裡，首先消費者藉由本身所持有的通訊 鼓備（如WAP手機、PDA、web browser等）至與GPC特約之商 5家端劉覽並選購產品，待須付費時，消費者可依商家所提 供之全球付款中心多種付款選擇來決定以何種方式付款， 而對於國外來的消費者若該國的GPC(如電信公司或金融 單位）有和我國GPC合作，則只要輸入付款帳號、驗證個 人身份等付款驗證資料，即可完成付費程序。藉由電信基 1〇礎網路我們系統可接收世界各地傳送來的資訊，而藉由多 凡通道資料轉換平台，我們系統可接收各種有線或無線之 丽端設備所傳送來的資料，並將之轉換為付款閘接器所能 接受的共通性資料格式；待付款閘接器收到資訊後，系統 會依輸入之付款帳號自動判別應送至後端的那個認証主機 15 (包含國内或國外之付款帳號認證主機)請求認証處理。當 付紙閘接器接收到後端認言正主機傳送回來之認證授權結果 後，就將该認證授權結果回覆給商家，商家再依此結果來 決定是否提供服務或商品給消費者。交易完成後，商家告 $付款閘接⑨對那些訂單做請款動作，付款閉接器將這些 〇貝料再运給後端對應的帳務系統，帳務系統執行出帳動作 後，消費者就會收到帳單，再以傳統方式繳費，但本發明 並不局限於後付款方式。 GPC跨國交易商家與咖的攤分方式如圖三所示。此 圖中假设變數《、Θ為訂單價格，广為國内付Gpc款服務 297公釐） -----------#裝！-----訂----------^9. (請先閱讀背面之注意事項再填寫本頁) 554300 五 經 濟 智 財 產 局 員 工 消 費 合 作 社 印 製 A7 >發明說明（f) 處理費，h為國外GPC付款服務處理費。假設與合作 的某一商家其於網路上販售一α元的服務或商品，當當地 國GPC接收來自本國用戶的交易時，該交易擁分給商家的 金額即為（α·Α)，但當當地國Gpc所接收的交易來自國外 5用戶時，則該交易攤分給商家的金額則為（a-K-h)。同 理假设與國外GPC合作的某一商家其於網路販售一 ^元的 服務/商品，當國外GPC所接收的交易來自同國的用戶時， 該交易攤分給商家的金額為（Π)，但#國外Gpc所接收 的交易來自非本_戶日交㈣分給商㈣金額則 ίο為(々H) 〇 【特點及功效】 本發明所提供之跨國式交易付款系統，與前述引證案 及其他習用技術相互比較時，更具有下列之優點： i•本發明提供—種跨國式交易付款系統，可讓使用者 15在本國的網路商家進行交易付款外，亦可至他國合作的網 路商家透過網際網路來進行交易付款。 、、，2·本發明提供—種跨國式交易付款系統，可讓國外的 消費者，至我方的網路商店進行交易付款時，只要輸入其 在當地國使用的付款帳號及其相關的身份驗證資訊等付款 2〇驗證資料即可完成整個交易付款程序。 上列洋細說明係針對本發明之一可行實施例之具體說 明，惟該實施例並非用以限制本發明之專利範圍，凡未脫 離本發明技藝精神所為之等效實施或變更，均應包含於本 案之專利範圍中。 L________________________________________-.................................._ 本紙張尺«剌巾關家鮮 n nil i ttn n Ml n «n —Η a— ϋ 0 n ft— «ϋ 1 n «I n I n ·1 *1 n 4—· κϋ I (請先閱讀背面之注意事項再填寫本頁) 554300 tUj3Q^S,iPQCi-4^ 10 A7 B7 五、發明說明（^；) 綜上所述，本案不但在技術思想上確屬創新 習用物品增進上述多項功#，廡 * 應已充分符合新穎性及進步 之法疋發明專利要件，爰依法提出 准本件發明專利申請案，以勵發明，至感德Γ 5【圖式簡單說明】 請參閱以下有關本發明一較佳實施例之詳細 附圖，將可進一步瞭解本發明之技術内容及其目的功效了 有關該實施例之附圖為： 圖-為本發明跨國式交易付款系統之實施示意圖； 圖：為忒跨國式交易付款系統之架構圖；以及 圖三為該跨國式交易付款线之消費作業示意圖。 (請先閱讀背面之注意事項再填寫本頁) 經濟部智慧財產局員1消費合作社印製 本紙張 ΣϋϋΤίϋ 標準—B7 _____________paum nmg / Q V. Description of the invention (j) The L payment gate sends the payment information to the accounting system to perform the billing operation. 0 In our framework, the consumer first uses the communication drum he owns Equipment (such as WAP mobile phones, PDAs, web browsers, etc.) to five GPC-appointed merchants to purchase and purchase products. When payment is required, consumers can decide according to the various payment options provided by the merchant's global payment centers. What method of payment? For consumers from abroad, if the GPC in the country (such as a telecommunications company or financial unit) cooperates with China's GPC, as long as the payment verification information such as payment account number and personal identity is verified, the payment process can be completed. . Our system can receive information transmitted from all over the world through the telecommunication-based 10-based network, and our system can receive data from various wired or wireless end-devices through the Dover Channel data conversion platform. After the payment gateway receives the information, the system will automatically determine which authentication host should be sent to the backend based on the input payment account 15 (including domestic or international). (The external payment account authentication host) requests authentication processing. After receiving the authentication and authorization result sent back by the host, the payment paper gate connector will reply the authentication and authorization result to the merchant, and the merchant will then use this result to decide whether to provide services or goods to consumers. After the transaction is completed, the merchant will report the payment gate to make a payment action on those orders. The payment closure device will then ship these materials to the corresponding accounting system at the back end. After the accounting system performs the billing operation, the consumer You will receive the bill and pay in the traditional way, but the present invention is not limited to the post-payment method. GPC cross-border transaction merchants and coffee sharing method is shown in Figure 3. This figure assumes the variables ", Θ is the order price, and is widely used for domestic GPC payment services (297 mm) ----------- # 装! ----- Order ---------- ^ 9. (Please read the precautions on the back before filling out this page) 554300 Printed by the Consumer Economic Cooperative of the Five Economic and Intellectual Property Bureau A7 > Description of Invention (f ) Processing fee, h is the processing fee for foreign GPC payment services. Assume that a certain merchant who cooperates sells a service or product of α yuan on the Internet. When a local country GPC receives a transaction from a user in its home country, the amount that the transaction shares to the merchant is (α · Α), but When the transaction received by the local country Gpc comes from 5 foreign users, the amount allocated to the merchant by the transaction is (aKh). The same reasoning assumes that a merchant that cooperates with a foreign GPC sells one yuan of services / goods on the Internet. When a transaction received by a foreign GPC comes from a user in the same country, the amount of the transaction allocated to the merchant is (Π), but the transaction received by #Foreign Gpc comes from the non-local _ daily payment to the merchant. The amount is (ίH) 〇 [Features and effects] The multinational transaction payment system provided by the present invention, Compared with the aforementioned citations and other conventional technologies, it has the following advantages: i • The present invention provides a multinational transaction payment system that allows users 15 to make transaction payments at online merchants in their home country. Online merchants cooperating with other countries use the Internet to make transaction payments. 2. This invention provides a multinational transaction payment system, which allows foreign consumers to go to our online store for transaction payment, just enter the payment account used in the local country and its related Payment and authentication information such as identity verification information can complete the entire transaction payment process. The above detailed description is a specific description of a feasible embodiment of the present invention, but this embodiment is not intended to limit the scope of the patent of the present invention. Any equivalent implementation or change that does not depart from the technical spirit of the present invention should include Within the scope of the patent in this case. L ________________________________________-........................................ This paper ruler «剌 巾 关 家 鲜 n nil i ttn n Ml n «n —Η a— ϋ 0 n ft—« ϋ 1 n «I n I n · 1 * 1 n 4— · κϋ I (Please read the precautions on the back before filling this page) 554300 tUj3Q ^ S iPQCi-4 ^ 10 A7 B7 V. Description of the invention (^;) In summary, this case is not only technically innovative and customary items to enhance the above-mentioned multiple functions #, 庑 * should have fully met the method of novelty and progress疋 Elements of invention patent, submit the patent application of this invention according to law, to encourage the invention, to the sense of Γ 5 [Schematic description] Please refer to the following detailed drawings of a preferred embodiment of the present invention for further understanding The technical content of the present invention and its purpose are effective. The drawings related to this embodiment are as follows: FIG.-Is a schematic diagram of the implementation of the multinational transaction payment system of the present invention; Fig. Is a schematic diagram of a multinational transaction payment system; Schematic diagram of the consumption operation of this multinational transaction payment line. (Please read the precautions on the back before filling out this page) Printed by a Consumer Cooperative, Member of the Intellectual Property Bureau, Ministry of Economic Affairs This paper ΣϋϋΤίϋ Standard