200410157 經濟部智慧財產局員工消費合作钍印製 A7 3 ' ---|M|||| ........ ...._ _ _ .. 1 f ~e --PA 刪·.30, l·五、發明說明（丨） j 1 j 【發明所屬之技術領域】 I 本發明係關於一種跨國式交易付款系統(GPC)’特別 i H射提❹元料，以供”者料^環境來進 丨行付費之跨國式交易付款系統。 | 5【先前技術】 丨 a蝻國内之电子商務付費模式已逐漸成熟，·除郵局匯 | 款、銀行轉帳外，由國内電信業者所推出之小額付款付費 | 服務已逐漸成為為線上交易方式的主轴。電信業者所推出 i 之線上付費模式，除提供消費者便利的網上付費，解決商 | 10 _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。 | —軸電信業者所提供之付費模式為其好帶來便利、 i 2全及有效的付費方式，但此便利性對用戶及合作商家而 i 言卻有其地域上的限制。對電信業之客戶而言，此付費模 15式只適用於有簽約合作使用此付款平台的網路商家，這通 常都只局限於台灣的本土商家；因此當消費者至其它國家 進行消費時，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，則可能因無法提供合適及方便 20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，並經多年苦心孤詣潛心研究 國國家標準（CNS)A4規袼（210 X 297公釐） (請先閱讀背面之注意事項再填寫本頁)200410157 Printed on A7 3 '--- | M |||| ........ ...._ _ _ .. 1 f ~ e --PA delete · .30, l · 五. Description of the invention (丨) j 1 j [Technical field to which the invention belongs] I The present invention is about a multinational transaction payment system (GPC) It is expected that the environment will be used to make payments 丨 a multinational transaction payment system for payment. | 5 [Previous Technology] 丨 a 蝻 The domestic e-commerce payment model has gradually matured, except for post office remittances | bank transfers, and domestic telecommunications The small payment payment service launched by the operator has gradually become the mainstay of online transaction methods. The online payment model launched by the telecommunications operator i, in addition to providing consumers with convenient online payment, solves the problem of payment | 10 _ As for the operators themselves, they have also created another business opportunity for themselves in this electronic // mobile commerce. | —The payment model provided by the telecommunications operators brings convenience, i 2 full and effective payment methods, but this Convenience has geographical restrictions on users and partner merchants. For telecommunications For customers, this type of payment model 15 is only applicable to online merchants who have contracted to use this payment platform, which is usually limited to local merchants in Taiwan; therefore, when consumers spend in other countries, divide by credit card Apart from paying, there is no other option, but it also faces the security problem of exposing credit cards to merchants and the Internet. For domestic online merchants, it may not be possible to provide a suitable and convenient payment model to the country20 Therefore, it can be seen that there are still many shortcomings in the above-mentioned conventional transaction payment system, which is not a good designer and needs to be improved. The inventor of this case is Each shortcoming is eager to be improved and innovated, and after years of painstaking research, the national standard (CNS) A4 (210 X 297 mm) (please read the precautions on the back before filling this page)
200410157 A7 B7 ΡΑ〇?〇47^ ηηπ . A/ο 五、發明說明 麦终於成功研發完成本件跨國式交易付款系統 【發明目的】 (請先閱讀背面之注意事項再填寫本頁) 本發明之目的即在於提供—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㈣，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-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、手機、辦機、腿、Web 細窗、㈣電話及Ema轉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^ 經濟部智慧財產局員Η消費合诈社印製 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 20通道以供消費者依其本身環境來進行付費。 【實施方式】 1 請參閱圖-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f或取得服務/ : 數位商品’這些管道包括-切有線或無線之通訊網路及其|200410157 A7 B7 ΡΑ〇〇〇47 ^ ηηπ. A / ο 5. Description of the invention Mai finally successfully developed this multinational transaction payment system [Objective of the invention] (Please read the precautions on the back before filling this page) The purpose is to provide a cross-border transaction payment system that allows users to conduct transactions with online merchants in their home country, and can also conduct transactions through the Internet with online merchants in other countries. The secondary-objective of the present invention is to provide a multinational transaction payment system that allows foreign consumers' to go to our online store for transactions, as long as they enter their payment account (such as a telecommunications account) used in the local country and Its relevant authentication information can complete the entire transaction process. 10 Another object of the present invention is to provide a multinational transaction payment system 'which can complete payment procedures and obtain services through mobile phones, mobile phones, office machines, legs, Web windows, phone calls and Ema diversification. [Content] 15 A transnational transaction payment system that can achieve the above-mentioned inventions, can provide a variety of domestic small payment methods for consumers to choose from, and provide other co-payments from the members of the Intellectual Property Bureau of the Ministry of Economic Affairs and the consumer printing society. The method is for consumers to choose, and for the telecommunication network users, in addition to using their mobile phone door number / dial-up account to conduct transactions in online stores in Taiwan, they can also use them for consumption abroad. In addition, the present invention can provide 20 channels for consumers to pay according to their own environment. [Embodiment] 1 Please refer to Figure-shown. In the multi-channel data conversion platform, it allows consumers to complete payment or obtain services through different communication network channels /: digital goods. These channels include-cut wired or wireless Communication network and |
-4- I 冬紙張尺度適弔中國國家標準 X 297公鹜） 200410157 Α7 Β7 五、發明說明（ q nnr. 終端設備，例如行動電話、PDA、3G手機、電話語音、；劉 覽器(B丽㈣或嶋_，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。電子商店為與啊簽約合 作提供數位服務或商品的網路商店；多元化付款間接器提 5供消費者多種付費方式卿，#.消f者輪人其付費資訊 後此夕兀化付执閘接|g再依這些資訊來判斷應送至後端 的那個認証线作進-步用戶之認Μ授權處理。 、=參閱Β二所示，料對本發明㈣費付款作業流程 加以說明，其中係包括有下列步驟： W Α.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； 、Β·消費者透過資料熟平台·商家所提供之付款方 式； 、C.消費者輸人付錄號、驗證個人身份等付款驗證資 (請先閱讀背面之注意事項再填寫本頁) -u u JJ —i-4- I Winter paper scale is suitable for the Chinese national standard X 297. 2004 200410157 Α7 Β7 V. Description of the invention (q nnr. Terminal equipment, such as mobile phones, PDAs, 3G mobile phones, telephone voice, etc .; ㈣ or 嶋 _, users can decide which way to connect with our GPC according to the equipment they have. Electronic stores provide online services for digital services or products signed with ah; diversified payment indirect devices provide 5 Consumers have multiple payment methods. The #. Consumer will turn his payment information on and on after the payment information is connected. | Then use this information to determine which authentication line should be sent to the back end for further user recognition. Authorization processing. == See BII. The material payment operation flow of the present invention is explained, which includes the following steps: W Α. Browse or select by the consumer through a communication device to a data conversion platform and a special merchant. Purchase products; B. payment methods provided by consumers through the information platform and merchants; C. consumer input payment records, verification of personal identity and other payment verification funds (please read the precautions on the back before filling in this ) -U u JJ -i
i J Ii J I
、D•藉由f料轉換平台接收有線或無線資料，並將之轉 換為付款閑接器所能接受的共通性資料格式； ▲ E·付款閘接器依輸人之付款驗證資料，加以傳送至認 証主機，並請求認f正處理； / F.付款閘接H接收到認tjE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·商豕告知付款襲器對提供服務的訂單做請作； 線 |〜v度通用中國國家標^ 200410157 A7、 D • Receive wired or wireless data through the f material conversion platform, and convert it into a common data format that can be accepted by the payment adapter; ▲ E · payment gateway transmits according to the input payment verification data Go to the authentication host and request confirmation f is being processed; / F. Payment gateway H receives the authentication authorization result sent back from the authentication tjE host, and then returns the authentication authorization result to the merchant; G. The merchant decides whether to provide services or goods to Consumers; H · Shang Ye told the payment attacker to make orders for the service provided; line | ~ v 度 GM China National Standard ^ 200410157 A7
I ·付款閘接器將請款資料送至帳務线執行出帳動 10 作 錢彳⑽架構裡，首先”者藉由本身㈣有的通訊 二山如WAP手機、PDA、web browser等）至與GPC特約之商 豕化刷覽亚選購產品’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 單位）有和我國㈣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 礎網路我們系統可接收世界各地傳送來的資訊，而藉由多 :通道資難鮮台，我㈣統可接收各種线或無線之 前端設備所傳送來的資料，並將之轉換為付款閘接器所能 接文的共通性資料格式；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 付政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，就將該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 知付款閘接器對那些訂單做請款動作，付款閘接器將這些 資料再送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GPC的攤分方式如圖三所示。此 圖中假設變數α、夕為訂單價格，A為國内付gpc款服務 — III n 1 I ! ----- (請先閱讀背面之注意事項再填寫本頁) 經濟部智慧財轰局員工消t合作社印製 20I · The payment gateway will send the payment information to the account line to execute the payment operation. In the framework of the first payment, the "first" will use its own communications such as WAP mobile phones, PDAs, web browsers, etc.) to With GPC's contractual purchase, when you purchase products from Asia, when you have to pay, consumers can decide on the payment method according to the various payment options provided by the global payment center provided by the merchant. China ’s Gpc (such as telecommunications units) cooperates with China ’s government, as long as you enter payment verification information such as payment account numbers and verify your personal identity, you can complete the payment process. Through the telecommunications basic network, our system can receive information sent from all over the world With multiple channels and channels, our system can receive data transmitted from various line or wireless front-end devices and convert it into a common data format that can be accessed by payment gateways. After the payment switch receives the information, the system will automatically determine which authentication host 15 (including domestic or foreign payment account authentication host) should be sent to the backend according to the input payment account to request authentication processing. When After receiving the authentication and authorization result sent back by the host, the Fuzheng Switch 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 the consumer. After the transaction is completed , The merchant tells the payment gateway to make payment requests for those orders, and the payment gateway sends these data to the corresponding accounting system at the back end. After the accounting system performs the billing operation, the consumer will receive the bill. The payment is then made in the traditional way, but the present invention is not limited to the post-payment method. The allocation method between GPC multinational transaction merchants and GPC is shown in Figure 3. In this figure, it is assumed that the variables α and Xi are the order prices, and A is the domestic payment. gpc services — III n 1 I! ----- (Please read the notes on the back before filling out this page) Printed by the staff of the Ministry of Economic Affairs, Smart Finance and Economics Bureau, Consumer Cooperatives 20
本紙張尺度適用甲國國家標準（CNS)A4規袼（210 X 297公釐） 200410157 A7 ΒΪ 五、發明說明 ----- 經濟部智慧財產局員工消費合作社印製 處理費’ 為國外GPC付款服務處理費。假設與GPC合作 的某一商家其於網路上販售一^元的服務或商品，當當地 國GPC接收來自本國用戶的交易時，該交易攤分給商家的 金額即為（α-Α)，但當當地國Gpc所接收的交易來自國外 用戶時，則該交易攤分給商家的金額則為同 理假叹與國外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， 該又易攤为給商豕的金額為（p ，但當國外Gpc所接收 的乂易來自非本國用戶時，則該交易攤分給商家的金額則 為(m2)。 【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： 本發服供種跨目式交胃付m可讓使用者 15 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。 、肖眷去本毛月提七、種跨國式交易付款系，统，可讓國外的 至我方的網路商店進行交易付款時，只要輸入盆 在备地國使用的付款帳號及其相二 2〇驗證資料即可完成整個交易付款程序。貝4付執 上列詳細說日㈣針對本發明之 、 明，惟該實施例並非用以限制标日日击丁⑼例之具肢祝 案之專利範園中神所為之寺效貫施或變更，均應包含於本 10 -7- (請先閱讀背面之注意事項再填寫本頁) 線擎！ 本紙張尺度適用中國國家標準 297 公t 2004101^7 A7This paper size applies to National Standard A (CNS) A4 (210 X 297 mm) 200410157 A7 ΒΪ V. Description of the invention ----- Printing and processing fee of the Consumer Cooperatives of the Intellectual Property Bureau of the Ministry of Economic Affairs' is a foreign GPC Payment service processing fee. Assume that a merchant that cooperates with GPC sells one yuan of services or goods on the Internet. When a local country GPC receives a transaction from a user in its home country, the amount allocated to the merchant by the transaction is (α-Α). However, when the transaction received by the Gpc in the local country comes from a foreign user, the amount allocated to the merchant by the transaction is the same as that of a certain merchant that cooperates with a foreign GPC and sells one yuan of services on the Internet / Commodity 'When the transaction received by a foreign GPC comes from a user in the same country, the amount that is easy to amortize to the business card is (p, but when the transaction received by a foreign GPC comes from a non-local user, then the The amount of the transaction allocated to the merchant is (m2). [Features and Effects] The multinational transaction payment system provided by the present invention has the following advantages when compared with the aforementioned citations and other conventional technologies: This type of cross-border payment can allow users of 15 online merchants to make transaction payments, and can also go to other online cooperative merchants to make transaction payments via the Internet. , A multinational transaction payment system When making a transaction payment to our online shop from abroad, simply enter the payment account used in the country of preparation and the relevant 20 verification information to complete the entire transaction payment process. The sundial is directed to the invention of the present invention, but this embodiment is not intended to restrict the implementation or modification of the temple's effect by the gods in the patented fan garden with the day-birth stabbing Ding example. -7- (Please read the precautions on the back before filling this page) Line Engine! This paper size is applicable to the Chinese National Standard 297 t 2004101 ^ 7 A7
| 一-- ^ft0^2S,^GC j五、發明說明（^ ) } I ^ I ㈤^上所述，本案不但在技術思想上確屬創新，並能較 j 物如增進上炎多項功效，應已充分符合新穎性及進步 | 、之去定發明專利要件，爰依法提出申請，懇言奢貴局核 | 4本件發料獅請案，以勵發明，至感德便。 I ϋ【圖式簡單說明】 | 巧芩閱以下有關本發明一較佳實施例之詳細說明及其 I 附圖，將可進―步瞭解本發明之技術内容及其目的功效； I 有關該實施例之附圖為： | 圖一為本發明跨國式交易付款系統之實施示意圖； 丨 10 、 | 圖一為該跨國式交易付款系統之架構圖；以及 圖二為該跨國式交易付款系統之消費作業示意圖。 3-311114¾ (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費合阼社印製 均氏張尺5? 中國國家標舉（CNS)A4規袼〈210 X 297公釐I-^ ft0 ^ 2S, ^ GC j V. Description of the Invention (^)} I ^ I ㈤ ^ As stated above, this case is not only innovative in terms of technical ideas, but also can improve the effects of j on things like j It should be fully in line with novelty and progress |, to determine the elements of the invention patent, apply for it in accordance with the law, and sincerely check with the luxury bureau | I ϋ [Brief Description of the Drawings] | Read the following detailed description of a preferred embodiment of the present invention and its I drawings, which will further understand the technical content of the present invention and its purpose and efficacy; I related to the implementation The drawings of the example are: | Figure 1 is a schematic diagram of the implementation of the multinational transaction payment system of the present invention; 丨 10, | Figure 1 is the architecture diagram of the multinational transaction payment system; and Figure 2 is the consumption of the multinational transaction payment system Operation diagram. 3-311114¾ (Please read the precautions on the back before filling out this page) Printed by the Consumers ’Cooperative of the Intellectual Property Bureau of the Ministry of Economic Affairs Mean square rule 5? China National Standards (CNS) A4 Regulations <210 X 297 mm