200531498 玖、發明說明： 【發明所屬之技術領域】 本發明係關於一種非予昏春由^主立， 裡非預先申凊制之付款系統，特 一種可提供安全控管之即時密碼 曰 六且VLL k I 文/、具正達到隨時隨地可 :::=—_付款平台目的之非預先申請 【先前技術】 目前習用信用卡式的線上交易安全 加上小額消費佔網路交易很大的‘帛’再 Λ糰政朴罄士斗ΛΛ > 士 因此小名員付費逐漸成 為，裥路付費方式的主流，這些小 收費的程序，也提高了消費者#_ L万便了 .，料商豕 _ 賈者使用線上付費的意願，然而，200531498 发明 Description of the invention: [Technical field to which the invention belongs] The present invention relates to a non-faint spring payment system, a non-refundable prepayment system, and a special instant password that can provide security control. VLL k I text /, can be achieved anytime, anywhere ::: = —_ Non-pre-application for payment platform purpose [prior technology] Currently used credit card-type online transaction security plus small consumption accounts for a large amount of online transactions. '帛'Finally, the politicians of the regiment are all over and fighting. ΛΛ > As a result, the payment of celebrities has gradually become the mainstream of Kushiro's payment methods. These small fee procedures have also increased consumers #_ L 万 便 了. ， 料 商 豕_ Jia Zhe ’s willingness to use online payment, however,
廷些小額付款機制皆隱含了 一竑 I 4 to t 一文問4，固疋式密碼易遭 破解與Key Log攻擊，同時其需 ^ ^ 而預先申凊取得密碼之方式，也 方便。 肖賈者义成某種使用程度上的不 及密目石^用Λ 使用小額付款服務’須在網頁上輸入身份認證 =:寺：資料，若在網咖或店家提供之電腦上使 用，，忍有資料遭側錄盜用之Μ冑 w 慮為了解決目前現行小額付 秋機制所面臨的keylog攻擊，有業者嘗試經由手機簡訊料 他通道取得授權密碼之方式取代原用戶於用戶終端網頁上 =輸：^定式或預切請取得之密碼方式，但此—模式通 隹么’目仃透過間訊發送給消費者，付款業 者無法驗證消費者是否確實收取簡訊；反·之，若由付款業者 自行產生授權碼發送簡訊’也可能發生用戶詐騙店家而；當 取得服務的情形。 由此可見，上述習用方式仍有諸多缺失，實非一良善之 200531498 設計者，而亟待加以改良。 本案”人㈣上述習时式所衍生的各項缺點 思加以改良創新，並多 7卫 卫丄夕年古心孤-潛心研究後，終於成功 X凡成本件非預先申請制之付款系統。 [發明内容】 本發明之目的即在於提供一種可大幅 非預先申請制之付款系統。 性之 本發明之次—目㈣在於提供-種具高度實用性 先申請制之付款系統。 一本發明之另一目的係在於提供—種真正達到隨時隨地 可又易付款同時跨各種電信帳號付款平台目的之非預先申 請制之付款系統。 可達成上述發明目的之非預先申請制之付款系統，包括 有其，要包含有_消費者、付款閘道、店家及帳務或金融單 位上，消費者藉由各種有線或無線之通訊網路，如撥打行動電 :5吾音系統、行動電話傳送簡訊、使用w邛手機、％手機、 室内電話或經由web browser等多元化通道方式來確定下訂 資料後，將料資料給付款閘道要求^授權，交易問道 收到/肖費者的下訂資料後，先至帳務或金融單位取得該消費 者的認證授權，若該、;肖費者身份認證無誤且是被授權可使用 該服務，付款閘道會產生一組授權碼資料，然後付款閘道可 依消費者所選擇的接收方式，將該資料傳送至消費者，消費 者收取此貧料後’以此授權碼資料向店家要求服務或商品， 店家向付款閘道確認此一授權密碼是菩為付款閘道所核 發，若是則提供服務給消費者，店家則可向付款閘道提出請 200531498 款以便向消費者出帳。 透過上述之方式，消費者可利用各種有線或無線之網路 管道提出即時密碼之認證要求，也可以透過各種有線或無線 之安全網路管道取得即時密碼，真正達到隨時隨地可交易付 款同時跨各種電信帳號付款平台之目的。 【實施方式】 請參閱圖一所示，為本發明所提供之非預先申請制之付 款系統之系統架構支付流程示意圖，包括有其主要包含有一 /肖費者1付τ人閘道2、店豕3及帳務或金融單位4 ’·消費者 1藉由各種有線或無線之通訊網路，如撥打行動電話語音系 統、行動電話傳送簡訊、使用Wap手機、3G手機、室内電話 或声由web browser等多元化通道方式向店家3確定下訂資 料後，將訂單資料送給付款閘道2要求交易授權，交易閘= 2收到消費者！的下訂資料後，先至帳務或金融單位4取= 4 /肖費者1的涊證扠權，若該消費者1身份認證無誤且是被 授權可使用該服務，付款閘道2會產生一組授權碼資料疋= 後付款閘道2可依消費者丨所選擇的接收方式，將該資料傳 达至消費者卜消費者1收取此資料後，以此授權碼資料向 店家3要求服務或商品，店家3向付款閘道2確認此一授權 密碼是否為付款閘道2所核發，若是則提供服務給消費者&卜 店家3則可向付款閘道2提出請款以便向消費者丨出帳；此 一機制乃是將用於線上交易之即時密碼透過一種可以X同時 兼顧用戶、商家、小額付款平台業者各方之安全控管與交易 風險之密碼產生與傳送方式。 請參閱圖二所示，為本發明非預先申請制之付款系統之 200531498 、簡Λ方式付放流程貫施不意圖；其主要流程如下，消費者 1向店豕3購貝商品，店家3則產生訂單編號a丨，同時消費 者1向付放閘道2要求交易認證授禅，同時將訂單資料（含 al)轉送給付款閘道2,付款閘道2則提供認證授權中心畫面 供者1輸入身份認證資料，此時消費者1則可輸入身份 5忍祖貝料，輸入完畢後，付款閘道2向後端帳務或金融系統 4、進仃身份認證與服務授權，若認證及授權成功，後端帳務 或金融系統4回傳授權碼a2給付款閘道2，付款閘道2以消 費者手機店唬、店豕訂單編號a丨、後端帳務或金融系統授權 碼a2經數學公式運算（如HASH雜湊函數），計算出一組不可 逆且唯-之授權碼a3，並將a3以簡訊系統5傳送簡訊之方 式送達消費者手機，消費者1取得授權碼a3,以a3在網頁 、广1向店纟3要求商品服務，此時店家3則可向付款閘 2 2確認授權碼a3是否由其核發，付款閘道2回傳店家3 、=果（含店.家訂單編號al)，經確認無誤後提供消·費者】服 矛^消費者i取得服務後，店家3以訂單編號ai為索引碼 向付款閘道2請款，即完成所有程序。 ^月所提供之非預先巾請制之付款系統，與其他習用 方式相互比較時，更具有下列之優點： 1·本發明係透過消費者、店家及付款平台業者三方安全 =之即時密碼，使其得以大幅提高使用上之安全性並降低 其#作風險。 2 ·本發明透過即時密碼之建立 作使用之意願，並大幅提高其實用 ’使其得以提高消費者操 性。 上列詳細說明係針對本發明之 可行實施例之具體說 200531498 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， 專利範圍中。 a於本案之 紅上所述，本案不但在技術思想上確屬創新，並能較習 =式増進上述多項功效，應已充分符合新穎性及進步性之 發=明專利要件，爰依法提出中請，懇’局核准本件 :二利申請案，以勵發明，至感德便。 【圖式間單說明】These small payment mechanisms all imply I 竑 4 to t 一 4. The fixed password is vulnerable to cracking and Key Log attacks. At the same time, it requires ^ ^ and it is convenient to apply for a password in advance. Xiao Jiazhe Yicheng is inferior to Mystery Stone in a certain degree of use ^ Use Λ to use the small payment service 'You must enter identity authentication on the webpage =: temple: information, if you use it on a computer provided by an Internet cafe or a store, forbearance Some of the data that has been stolen by M.W. are worried that in order to solve the current keylog attack faced by the current small payment mechanism, some industry players have tried to replace the original user on the user terminal web page by using a mobile phone message to obtain an authorized password = lose: ^ The password method that is fixed or pre-cut, please get this, but this—the mode is the same? 'The message is sent to the consumer through the newsletter, and the payment provider cannot verify whether the consumer actually receives the text message; otherwise, if it is generated by the payment provider itself Authorization code sending SMS 'may also occur when the user scams the store; when obtaining services. It can be seen that there are still many shortcomings in the above-mentioned customary methods. It is not a good 200531498 designer, and it needs to be improved. In the present case, the shortcomings derived from the above-mentioned habitual style were improved and innovated, and after more than 7 years of careful study of the ancient and lonely minds, they finally succeeded in the payment system for non-pre-application systems. Summary of the invention The purpose of the present invention is to provide a payment system that can be substantially non-pre-applied. The second aspect of the present invention is to provide a payment system with a highly practical first-application system. One purpose is to provide a non-pre-application payment system that can achieve easy and convenient payment at any time and at the same time across various telecommunication account payment platforms. The non-pre-application payment system that can achieve the above-mentioned invention objectives includes, Include _consumers, payment gateways, stores, and accounting or financial units. Consumers use various wired or wireless communication networks, such as dialing mobile phones: 5 voice system, mobile phone to send text messages, use w 邛Mobile phone, mobile phone, landline phone or web browser or other diversified channel methods to determine the ordering information, the material information to the payment gateway request ^ authorization After the transaction asks to receive / Xiao Fei's order information, first go to the accountant or financial unit to obtain the authentication authorization of the consumer. If this, Shao Fei's identity is correct and authorized to use the service, The payment gateway will generate a set of authorization code data, and then the payment gateway can send the data to the consumer according to the receiving method selected by the consumer. After the consumer receives this poor material, he will ask the store for the authorization code data Or goods, the store confirms to the payment gateway that this authorization code is issued by the payment gateway. If so, it provides services to consumers, and the store can ask the payment gateway for 200531498 in order to pay the consumer. Through the above In this way, consumers can use various wired or wireless network channels to request real-time password authentication, and can also obtain real-time passwords through various wired or wireless secure network channels to truly achieve transaction payment anytime and anywhere and cross various telecommunication accounts. Purpose of payment platform [Embodiment] Please refer to Figure 1, which is the non-pre-application payment system provided by the present invention. Schematic diagram of the payment process of the unified architecture, which includes a payment channel, a payer, a τ gate, a store, a store, and a financial or accounting unit. 4 '· Consumer 1 uses various wired or wireless communication networks, such as Dial the mobile phone voice system, send a text message on the mobile phone, use Wap mobile phones, 3G mobile phones, landline phones, or web browsers to determine the order information for the store 3, then send the order information to the payment gateway 2 to request a transaction Authorization, transaction gate = 2 After receiving the customer's order information, go to the account or financial unit 4 to get 4 = 4 / Shao Fei 1's cross-certification right, if the identity of the consumer 1 is correct and is Authorized to use the service, payment gateway 2 will generate a set of authorization code data 疋 = post payment gateway 2 can communicate this information to consumers according to the receiving method selected by the consumer and consumer 1 receives this information Then, based on the authorization code information, the store 3 requests services or goods. The store 3 confirms to the payment gateway 2 whether the authorization password is issued by the payment gateway 2. If it is, it provides services to consumers & Payment gateway 2 Make a payment to make payments to consumers; this mechanism is to generate an instant password for online transactions through a password that can simultaneously take into account the security control and transaction risks of users, merchants, and small payment platform operators. And delivery methods. Please refer to Figure 2. This is a non-pre-application payment system of 200531498. The simplified payment method is not intended. The main flow is as follows. Consumer 1 purchases shellfish from store 3, and stores 3 Generate order number a 丨, at the same time, consumer 1 asks payment gateway 2 for transaction authentication, and transfers the order information (including al) to payment gateway 2. Payment gateway 2 provides the authentication and authorization center screen for donor 1 Enter the identity authentication information. At this time, the consumer 1 can enter the identity 5 zuzubei materials. After the input is completed, the payment gateway 2 goes to the back-end account or financial system 4. The identity authentication and service authorization are performed. If the authentication and authorization are successful , The back-end account or financial system 4 returns the authorization code a2 to the payment gateway 2, and the payment gateway 2 uses the consumer's mobile phone shop, shop order number a 丨, and the back-end account or financial system authorization code a2 through mathematics. Formula operation (such as HASH hash function), calculates a set of irreversible and unique authorization code a3, and sends a3 to the consumer's mobile phone by sending a short message with SMS system 5, consumer 1 obtains the authorization code a3, and uses a3 on the web page , Guang 1 to the shop 3 Goods service, at this time, the store 3 can confirm to the payment gate 2 2 whether the authorization code a3 was issued by it, and the payment gateway 2 sends back the store 3 and = fruit (including the store. House order number al), and provide confirmation after confirmation. · Fee] Service Spear ^ After consumer i obtains the service, the store 3 uses the order number ai as the index code to request payment from the payment gateway 2 and completes all the procedures. Compared with other conventional methods, the non-pre-paid payment system provided by ^ Yue has the following advantages: 1. The present invention uses the three-party security = instant password of consumers, stores and payment platform operators to enable It can greatly improve the security of use and reduce its risk. 2. The present invention intends to use it through the establishment of an instant password, and greatly improves its practicality, so that it can improve consumer operability. The above detailed description is specific to the feasible embodiment of the present invention, 200531498, but the 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 is included in the scope of the patent. . a As described on the red of this case, this case is not only technically innovative, but also can be used to learn from the above-mentioned multiple effects. It should have fully met the requirements of novelty and progressiveness. It should be clear that the patent requirements are being proposed in accordance with the law. Please, the Bureau's approval of this case: Erli's application, to encourage invention, to the utmost. [Illustration of single plan]
月,閱以下有關本發明一較佳實施例之詳細說明及其附 1杳> ^ $ 乂瞭解本發明之技術内容及其目的功效；有關 邊實施例之附圖為： 圖^本發明㈣先中請制之付款系統之系統 机轾不意圖，·以及Please read the following detailed description of a preferred embodiment of the present invention and its appendix 1 ^ $ 乂 to understand the technical content of the present invention and its purpose and effect; the drawings of the side embodiments are as follows: Figure ^ This invention ㈣ The system mechanism of the first-in-demand payment system is not intended, and
..圖二為本發明非預先申 付‘款流程實施示意圖。【主要部分代表符號】1消費者 2付款閘道 3店家 5月制之付款系。統之以簡訊方式 4帳務或金融系統 5簡訊系統 9.. Figure 2 is a schematic diagram of the implementation of the non-pre-payment process of the present invention. [Representative symbols of main parts] 1 consumer 2 payment gateway 3 store May payment system. Unified SMS 4 Accounting or financial system 5 SMS system 9