TW200816068A - A transaction payment method by using handheld communication devices - Google Patents

Abstract

This invention is a new transaction payment method by using handheld communication devices. The method relies on the trusted third party providing the payment service platform of the transaction process center for mobile communication payment devices of the buyer and seller to connect to the center. The trusted third party plays the roles of notarization for the behaviors of the buyer executing the payment action and the seller accepting the payment authorized by the buyer. The method makes it possible for the buyer and seller can complete the transaction payment through the handheld communication devices. It's not necessary for buyer to take the cash or other plastic cards as the customer's payment device, the seller does not need to provide the other special payment equipment, card reader or value deduction equipment either. After completing the payment of handheld communication devices, at the promised time point of the transaction batch settlement for seller and buyer, the buyer pays the bills of the payment by handheld communication devices during a consensual time period, and the buyer gets the appropriation of the money previously owed by the buyer using the handheld communication devices during a consensual time period. The settlement for the buyer to pay up the bills of the payment issued from the handheld communication devices and for the seller to get the corresponding appropriation squares the accounts of the buyer and seller.

Description

200816068 IX. Description of the invention: [Technical field to which the invention pertains] β The present invention is directed to a new method of payment by hand-held communication as a transaction, in particular, by means of the method, the payment of the transaction allows the buyer and the seller to hold the hand at any The communication device communication ground_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ The buyer and the seller complete the transfer of the hand-held communication device after the payment of the payment, and the transfer of the hand-held communication device is _, _ er Pu's current hand-held communication device is fine, the stomach _ new gram is the successor, the seller gets the response The Weidun Wei device pays the secret fund. The feature of the hand-held rail-mounted banyan tree green of the invention can be directly paid by the voice or the communication operation on the hand-held ship device in the "Buy-Baifang" after the Wei service, the buyer does not need to correct the hang Or other payment 4, such as the transfer card 'stored value card, other smart card or traveler's check for consumption deduction. The seller does not need another special collection or pin/deduction rhyme, such as lang reading, w card cutting machine , counting money and money detectors 'fine 丨 C buckle value Depends, can be a simple and convenient. Only the communication device communication can carry out the money, it is not subject to the payment of the transaction in a specific location _. The merchant or the seller may also choose to replace the handheld communication device with the information device on the Internet, and perform the confirmation operation and message transmission of the parent-to-pay communication device to save the communication of the handheld communication device. This can be said to be - Item__全_New payment method. 200816068 The technical field to which the present invention pertains is mainly the authentication and payment of the chip card identity authentication technology, the handheld communication device data or voice communication, the handheld communication device transaction payment service platform. Conditional checking mechanism, payment clearing mechanism, etc. • In the user's use of the handheld communication device as a payment instrument, the buyer first dials the purchase payment phone number provided by the impartial third party by hand-held communication device. After the certification, the purchase amount can be entered, the seller holds the communication device number or the store code, and the promised payment is completed. The system responds with a random transaction identification number, and the buyer tells the seller the number (or the buyer's handheld communication device number). (Store). Then, the seller will connect to the information collection device that is connected or accessible via the handheld communication device via the Internet connection to the purchase and collection telephone number provided by the impartial third party, and enter the transaction identification number (or the buyer's hand-held number). The communication device number), check whether there is a promised payment record for this transaction, and confirm that the transaction time and amount are correct. If it is completely correct, the seller enters the option to agree to accept the payment on the handheld communication device or information device. Then, the buyer’s handheld communication device can (4) pay for the fair third party The newsletter sent by the service platform, Φ informs the parent that the payment has been accepted for the sale. The buyer can save the newsletter to prove that the transaction has been paid for the electronic receipt of Qiu Fanbi. The buyer can also call this fair third. The purchase payment telephone number provided by the supplier selects the transaction option accepted by the seller to confirm that the commitment has been accepted by the buyer. At this step, the seller can safely let the buyer purchase the item, or The consumer content or service provided by Zangjia has been paid by the buyer and can be left for the buyer. 20087 200816068 [Previous technology] Today's Xiao Qian, (4) #物卜,嫩·_的塑胶币's fine card, prepaid card, Debit card...etc. Cash has the risk of being lost, illegally stolen or robbery, and has the problem of authenticity. Money transfer is also a kind of voucher, which cardholders can use to consume products and services. The credit card in the belt is mainly issued by the bank, the trust company, and the professional issuing card. The target is used by the public, and the card is issued by the card issuer. People have to pay. For modern people, Langka is an extremely convenient and secure payer, but not all businesses can shoot credit cards. The main reason is that the merchant must have a certain scale and credit rating, and can start to apply to the bank. Each time the deduction must be confirmed after the connection, the deduction will be made, and the credit can be accepted when the letter is accepted. For each (four) fee, there is also a handling fee. For some products and services that offer low transaction losses, there is no big attraction. In addition, the buyer must use the card to pay for the payment by using the side card. The returning party also uses the credit card device at the location outside the store, mainly because it cannot be connected at any time. / Magnetic stripe side card has the risk of being easy to forge, and the card number and cardholder information are pirated or uncovered. The amount of sensitivity may be extremely large. This is a serious loss for both merchants and consumers. When using a prepaid card, the merchant also needs to have the cost of a special payment device. The inventor of this case sewed the shortcomings of the _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ This month's ii {known handheld communication device transaction payment method' buyer does not have to carry a currency card, ', not W cash for payment' buyer's money will install any Na will be credit card machine or ready to change the change required for 200816068, There is no shortcoming of receiving a fake card or counterfeit currency. The buyer and the seller only have a handheld communication device, or the seller replaces the handheld communication device with an information device that can be connected to the Internet, and both parties have previously applied for the handheld device. The communication device transaction payment service can easily complete the shopping or consumer payment operation with the handheld communication device. 200816068 [Summary of the Invention] ^Inventive Department-Growing State __Silk of the secret prince, the method is to use the first-hand handheld view device to pay for the connection transaction, the payment service platform, as the buyer and the seller to execute the payment The notary of the action and acceptance of the payment. Typical handheld communication devices such as mobile phone donghui mobile phones or personal digital assistants with communication functions (PDA; pe_a| D^tal ASSIStant). If both parties to the transaction make the same checkout at the end of the consumption or the use of the talks: the hand-held communication device, the payer's auxiliary money, the first party, the first ship, the city, the caller, the caller, the person who pays the bill, the (4) the payment of the new payment Jobs, New Zealand credits, 彔, etc., ,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,, The buyer tells the store (seller) this number. Then, the seller then dials the number or the digital information of the public to upload the transaction ID number (or the buyer's handheld communication device number). , if the query does have the __ of the transaction, and the ___ is indeed the financial tree. If it is completely correct, the f-party is set up in the handheld communication device or the number of gifts, and the wheel person accepts the option of payment. Then, You can receive the newsletter sent by the payment service platform of this fair third party, and the payment will be accepted by the buyer. The buyer can save this newsletter as the electronic payment for this transaction.彳_咖.f林可丝龄妓 妓 妓 职 职 职 职 职 采购 采购 妓 妓 妓 妓 妓 妓 妓 妓 妓 妓 妓 妓 妓 妓 妓 妓 妓 妓 妓 妓 妓 妓 妓 妓 妓 妓 妓 妓 妓 妓 妓 妓 妓 妓 妓 妓 妓 妓 妓 妓 妓 妓The item is taken away, or it is approved that the payment of the calorie remuneration paid by the company is completed. The buyer of the invention is away from 200816068. The poetry track device of the invention 14 is a payment for the product. Enterprise, organization, or legal person. ~, body (four) can be for individuals, natural people, 'this is the basis of the production of the singularity of the 妓 付 付 付 付 付 付 付 H H 方 方 方 方 方 方 方 隹眚 隹眚 隹眚 隹眚 隹眚 料 料 料 料 料 料 料 料 料 料Who, ^, ^ stomach is selling the real family, /, side tree for the business, store a group, government units or legal persons. The present invention {view gift · government units, enterprises, organizations _ π The fair third party can be..., weaving, _, financial institution, data exchange center, notary unit, trading center, clearing center or settlement center. Caizheng's telecommunications shirt follows the _ material fine fiber service platform camp The maintenance and maintenance of the maintenance of the military can be carried out by itself, and the credible position of the dissident is responsible for the entanglement of the ride. Law, its anger buys noodles, the mosquitoes receive the xinxin payment item _ buyer Jing Butterfly) can be a paste _ (such as the object about) ^ early position, political level 'electric ship operator, enterprise f sister unit. The invention The handheld communication device transaction payment method, wherein the seller's agreed transfer transfer domain (referred to as the seller's transfer transfer entity) may be a financial unit, a government unit that has an agreed relationship with the seller (such as a contract) A telecom service provider, enterprise or legal entity. The feature of the transaction payment method of the handheld communication device of the invention is that the two parties who apply for the service can directly use the voice or data communication operation on the handheld communication device to complete the two parents. For the payment action, the buyer does not need to carry cash or other Bendan, such as credit card, stored value card, other smart card or traveler's check for deduction. The seller does not need to collect or read/deduct the special 11200816068. Equipment, such as credit card swipe machines, chip card readers, counting and money detectors, non-contact 丨c buckle check-in machines, etc., is extremely convenient. For the convenience of connecting to the Internet or #方's, it is also possible to replace the handheld track device with the New Zealand device, and accept the confirmation operation and message transmission of the payment processing of the buyer's handheld communication device to save the communication transmission fee of the handheld communication device. The handrail device of the present invention is divided into three stages in the steps of the payment method. Firstly, she is equipped with a 敝 倾 倾 主要 主要 主要 主要 主要 主要 主要 主要 主要 主要 主要 主要 # # # # # # # # # # # # # # # # # # # # # # # 双方 双方 双方 双方 # 双方 双方The payment service is mainly for the service of the buyer and the seller to use the handheld communication device for payment and payment at the time of consumption; the third stage: the clearing and accounting of the transaction of the handheld communication device is mainly based on the Beibei and its agreed collection and payment entities. Handheld communication device transaction accounting clearing and sub-accounting, payment, and payment credit clearing mechanism for hand-held communication device transaction payment service. • a. The first stage: the mobile communication device transaction payment service (1) buy (4) the agreed buyer's collection and payment of the main body towel, the hand-held communication device (4) payment service for the 4 fee holder handheld communication device payment service project, this project is mainly Providing the buyer I to pay through the hand-held touch-screen transaction, and can perform the service of checking and confirming that the seller has accepted the transaction, also known as the payment service for the payment of the handheld communication device. Open the account to the seller of the payment to the seller of the handheld communication device. The service is provided by the handheld communication device. The service is mainly provided by the seller. 12 200816068 Through the handheld communication device or the network The service of accepting payment by the buyer through the handheld communication device, also known as the payment service of the handheld communication device. The typical buyer's agreed collection and payment of the main body, such as the bank to which the buyer is. The buyer's agreement • The collection and payment entity shall, when the buyer applies for the payment service for the payment of the handheld communication device, confirm the true identity of the buyer and the payment limit of the transaction of the handheld communication device, and then pay the buyer’s identity. The submissions of the ship are combined with each other. • (4) The true identity of the party for confirmation 'mainly the applicant for verification is a forester and is in conformity with the proof of identity submitted by the buyer, for example, driving against the photo of the applicant and the identity card provided and driving License or health insurance card, etc. After the buyer collects the actual identity of the buyer, the buyer can further check the buyer's previous credit history data and creditor's rights record and evaluate its credit rating. Or you can further check the buyer's salary or proof of income, proof of deposit, and other documents to assess the ability to repay in the normal situation after payment of the consumer. The f-party collection and payment entity shall, after synthesizing the above-mentioned various evaluations, 'if the buyer's-cutting towel meets its requirements, assess the interval between the buyer's two payment settlement times (for example, every month) The upper limit of the transaction payment (or "per-handheld device transaction payment limit") can be used within the handheld communication device, and the buyer who applies for the service is notified. After the buyer collects and confirms the true identity of the buyer, the buyer must combine the buyer's cake with the scorpion. The authentication factor of the towel can include secure electronic identity authentication media of various entities such as: SubsoibeMdentity Module card (including chip credit card), Secure Smart Chip Module or Zhi 13 200816068 Hui Card (including chip credit card), etc. CryPtogrephie Key stored by the security media, or provide information that only the buyer should know and keep confidential (such as the account number and password for system login), or establish biometric information sufficient to identify an individual (eg Fingerprint recognition or face recognition). The buyer's collection and payment entity shall verify the true identity of the buyer when applying for the payment service, and shall evaluate the maximum amount of the buyer's hand-held wire. The information on the buyer’s identity and certification factors established after the verification, as well as the information on the buyer’s secrets of the buyer’s hand-held and bribes, shall be stored in the actual execution of the buyer’s payment. Identity certification, the buyer's payment credit record and the payment of each period of the handheld communication device W. If in the system architecture of the hand-held rail device (4) payment service, it is directly executed by the fair third party's handheld communication device transaction payment platform, that is, the execution of this check (such as the first ride), m green The relevant information on the transaction payment limit and other relevant information must be collected by the buyer in a safe manner before the buyer activates the handheld communication device transaction payment service. The hand-held track device transaction of the fair third party is transmitted. Secondly, the _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ 卩 可由 可由 可由 可由 可由 可由 可由 可由 可由 可由 可由 可由 可由 可由 可由 可由 可由 可由 可由 可由 可由 可由 可由 可由 可由 可由 可由 可由 可由 可由 可由 可由 可由 可由 可由 可由 可由 可由The authentication mechanism of the entity that actually performs the buyer's identity authentication shall have the function of verifying the identity authentication data of the wire-guiding operation itself that can be verified by the identity communication device of the buyer's handheld communication device. 200816068 The typical seller agrees to collect the transfer subject, such as the bank to and from the seller. The seller's agreed transfer recipient shall, when the buyer's towel asks the handheld communication device to pay the payment service, confirm the true identity of the seller and its side cake core, and also assess the acceptable handhold of the #party as needed. The device 3C has a limit on the stomach payment, and then combines the seller's identity data with the authentication factors of the electronic identity authentication media. Confirmation of the true identity of the buyer, mainly to verify that the applicant is the seller himself and in accordance with the identity information provided by the seller, for example, the photo of the seller and the certificate and the identity card provided by the applicant, the driver's license or health insurance. Card,...etc. After the client has verified the true identity of the seller, the company may further check the seller's previous credit history data and creditor's rights records, or further check whether the seller has a business-related prior record to ensure that the goods are sold or provided. The seller of the monthly service meets the basic credit conditions of the handheld communication device. Or you can further check the seller's salary or proof of income, proof of deposit, ... and other documents to assess the ability to deliver under normal conditions. After the seller's collection and payment of the above assessments, if the seller's all application qualifications meet the requirements, the seller can be approved as a legitimate mobile communication device transaction payment merchant. It is also possible to assess the upper limit of the payment that the seller can receive and pay for the communication of the handheld communication device during the interval between the two payment settlements (for example, every month) (or “the acceptable payment limit for the transaction of the handheld communication device per period”. Amount") and inform the seller of the service. After the seller collects and confirms the true identity of the buyer, the seller's identity information must be combined with the identity authentication factors of the electronic identity authentication media. The method is similar to the combination of the above-mentioned buyer identity data and the identity authentication factors of the electronic identity authentication media, and will not be described again. 15

200816068 The seller's collection and payment entity shall, upon the seller's application for the payment service, be subject to the seller's actual status and shall be subject to the “adjustment of the buyer's side” and shall be subject to the above-mentioned limit of acceptable payment for the handheld communication device (4). Through the establishment of the rider's identity and the combination of authentication factors, the seller of the company's (4) communication device transaction payment limit, etc. "f earning (four) butterfly, she shouted the seller's identity certification's #方德款_record And each shot accepts the hand ship to call the stock payment on the _ degree _ pure towel. If you are on the pure structure of the hand-carrying secret service, it is directly executed by the fair third party's handheld communication device transaction payment platform. As shown in the first figure, the seller's identity certification and each period are acceptable. Handheld communication device transaction payment limit, etc. _ Long 彡 _ Fang Qi _ _ Before the payment of the tree service, the full method is transmitted by the seller to the transfer party to the fair third party's handheld communication device transaction payment platform, and In the future, this type of information will be linked to the seller's receipt credit record for maintenance and update; otherwise, if the system structure of the handheld communication device transaction payment service is indirectly, the seller will collect the transfer entity for immediate verification (such as the second picture). As shown, it is necessary to establish that the identity authentication information delivered by the vendor's handheld communication device can be transmitted by the handheld communication device transaction payment platform to the seller's agreed-to-send contact_transfer_. The certification mechanism for the entity that actually performs the bamboo material distribution shall have the function of verifying the identity authentication data that is obtained by the seller's hand-held rail device. b_Second phase: Performing the handheld communication device transaction payment service during the transaction The second stage is the service of the buyer and the seller immediately using the handheld communication device for transaction payment during the consumer transaction. The main steps are as follows: 16 200816068 (1) Buyer age Duntong Silk Set (4) Payment: Shoufang Finance Caishou Communications will issue a transaction payment execution request to a fair third party who provides special transaction device transaction payment service; (2) Bay-side X-handheld communication device (4) Payment: The seller uses a handheld communication device or The online information sighs to obtain this fair third party to provide this stomach party has paid for this #林纯行 transactions, sell the forest and confirm whether to accept the buyer's transaction payment; (3) the buyer confirms that the seller has accepted Payment: w-party re-finance (four) wire derailment to obtain this fair third party to provide the transaction payment has been accepted by the seller to confirm that the payment of the transaction has been completed. Or by a fair third party to provide the buyer's electronic (4) (such as a newsletter) or to provide a transaction completion message by voice call. The shoulder-shoulders are licensed to pay for the transaction, including the stomach, using the handheld communication device to trade the payment through the handheld communication device. Ping (4) identity authentication, weaving and re-invoking the hand-held "receipt payment request. The buyer makes the way to hold the certificate of the hand-held rail device transaction payment platform by the buyer, the buyer is the buyer's service to the buyer. At the time of the selection of the 'handset communication device, the secret service platform before the investigation of the county has been collected by the buyer and transferred to the main body (four) of this f machine account fine evidence _ _ communication device transaction payment on the 嶋 fn job fiber suspect payment payment of the ' Through the hand-held wire to make a request for payment, the business of the shirt (4) Gu Yuer's transaction (whether the fiber has exceeded the buyer's mobile communication device transaction payment limit limit) to decide whether to allow the buyer to execute the transaction Pay (4) does not exceed the upper limit, handheld communication 17 200816068 j set and easy to pay county (four) Gu Fang - random transaction identification number, the buyer then this number (or the buyer's hand Holding the communication device number) tell the seller. Step (2) Bayer's access to the handheld communication device transaction payment, including the seller must first use the handheld device to pass the smashing, the money # lie to accept the field pen handheld λ device parent Easy to pay. The seller uses the handheld communication device to connect to the handheld communication device and is easy to pay for the self-identification. The method is to transfer the payment to the main party in accordance with the #方肖户 to apply for this payment service. The payment service platform check has previously been transferred by the seller on behalf of the main body, and the axis and its axis can accept the hand-held communication device transaction payment limit information (if there is such a limit), and verified by the corresponding authentication method. The identity message is sent by the handheld communication device. After the seller passes the (4) platform certification, the driver passes the hand-held wire to shoot the defeat and set the charm (4), and the communication device pays for the transaction. Accept the inspection of the payment conditions of the stomach diverting device transaction _ such as 'this #梅_录_device delivery _ red limit degree has been exceeded) right through the check, the buyer can enter the transaction identification number (or the buyer Holding the communication device number), the inquiry is a tree-filled stomach, and the transaction time and amount are correct. If it is completely correct, the seller will connect the communication device or the digital information device. The option of payment and send the payment acceptance message to the handheld communication device transaction payment platform. ^ (3) The purchase of the booth has accepted the payment, and it is expected that the seller will turn to the hand-held service. The secret method is either passively receiving and being flattened by the stomach. The digital data of the electronic receipt sent or the voice call to the light payment transaction has been completed. The buyer’s initiative to inquire into the parent message is mainly initiated by the buyer. 18th 200816068 The payment of the three (10) touched the check as the ride accepts the (4) function to confirm that the promised payment has been accepted. The latter method of the non-discriminatory message is mainly - the buyer accepts the buyer After the operation of the payment processing of the handheld communication device, the buyer's handheld communication device can receive the newsletter (or other digital resources) sent by the fair third party's payment service platform. Long way transfer of) 'notice of this _ * _ to accept that. Buy_Save this newsletter (or the information of the eight-digit digital delivery method) to prove the electronic receipt of the payment that has been paid for this transaction. » c. The third stage: Handheld communication device transaction accounting clearing and sub-accounting ▲ The first - IW and the two sides of the contract and the agreed transfer agent and the provision of handheld communications and easy to pay for the service of the third phase of justice Hand-held equipment for the clearing and sub-accounting of new transactions, payment of funds and other account clearing mechanism. The hand-held communication device transaction clearing and sub-ledger includes: (1) The buyer and the buyer collect and settle the payment and payment of the transaction payment of the handheld communication device between the transfer entities. (7) The public and the three parties' buyer's collection and transfer of the main party's party to the transfer of the payment and transfer of the transaction between the main body of the handheld communication device. (9) The seller and the party's party _ belly body _ rail device (4) clearing and allocation of payment. The younger-part (1) is the payment of the post-pay transaction by the buyer. Buying, and dumping communication devices. The buyer can collect and transfer the payment between the two parties. (If the contract is set up), the application should be paid as scheduled to pay off the payment of the hand-held transaction within the interval between the two payment settlement times. The object is the transfer party with the f-party that is agreed with it. 19 200816068 The transfer of the foreign-funded entity requires her to hold the communication device and pay the transaction to the third party of the service. The buyer’s hand-held device is handed over to the buyer’s hand-held device (4), (4), _ Calculate the hand-held pass of the buyer. Reduce the parent secret system, and handle the fresh steals as needed. '- Handheld communication device transaction payment buyer's transfer to the county every __ period (for example, the first few days of each month) is to take the initiative to notify (such as Emai 丨 newsletter or written mail, etc.), or provide the need - The Pengchao style allows the buyer to know the current transaction items and the amount of the payment for the communication device (ie the payment amount of the buyer's handheld communication device transaction). After knowing the bill for payment of the current handheld communication device transaction, Beifang can complete the payment according to the agreed method of the buyer and the transfer entity of the hand-held communication device transaction payment and the deadline before each period. If both parties have a gorge fee, or Wei side's duty side, they will also be dealt with according to the deficiencies. The lychee can be transferred to the main lord, and the thief stomach should be able to touch the two _^_(four) shirts on the sneakers. Undercounter settlement method, paying off for a period of time (such as every _ to eight periods j ' or to pay only the minimum amount of payment (still owed), or conditions (such as arrears. The accompanying m) is jointly agreed by both the buyer and the buyer of the buyer and the buyer. The publicity of the equipment to be installed is #% 取外' 峨 编 编 继 继 继 继 继 继 继 继 继 继 继 m m m m m m Transferring to the hometown to set up a butterfly 20 200816068 between the purchaser and the buyer of the contract between the buyer and the party, can pay a variety of extensions and payment models to pay eight hand-held pass (four) pay _, (four), peak lose job read ^ type processing Or directly from the deposit balance or pre-deposit of the (4) account, directly paint the payment mode, the eight-body can be scaled, for example, the transaction payment amount of the handheld communication device is merged into the credit card bill, and the buyer saves money. The household material is called to write (4), or to combine the transaction payment amount of the handheld communication device into the communication fee bill of the handheld communication device, etc. The above-mentioned mode of the clause is that the buyer cannot pay the t-phase handheld device as scheduled. When the transaction is paid in the same time, its conditionality (such as additional interest) The buyer and its buyer collect and transfer the two parties to call the specification. 〃 The first IM2) 疋 fair third party 'buyer generation _ pay the main miscellaneous goods transfer entity between the handheld communication device transaction payment clearing and transfer relationship To the buyer, the buyer collects the transaction amount of the handheld communication device, and the body of the mobile phone is placed on the body. The body of the hand-held device is handed over to the seller. The main body of the hand-held device is the hand-held device. . Beifang collects and transfers the body, and the operator who handles the hand-held rail load 4 and the secret payment service and the seller collects the transfer between the three parties, you can agree (such as setting a contract) in every section (such as Bayi The first few days of the month] 'This fair third party settles the buyer’s handheld communication device, the parent of the company, and distributes the consumption data to each exchange. Corresponding to the sale of the mosquito hand-held secret device transaction section Wei Zhuan County, taking care of the current period of each easy and easy material (including its corresponding seller on behalf of the transfer of the main information), to the buyer agreed to the handheld communication device shirt The stomach city pays the domain. , hand-held rail loading (four) weaving party collection and payment of the main body to bribe the tripartite (seam side) gorge payment _, by 槪, record or other cash transfer method to check the · · · main body. 21 200816068 丄s Handheld Communication Device 4 The third party of the payment service is also required to provide the hand-held rail device accepted by the seller in the current period. The gift can be transferred to the seller to transfer the transfer to the domain. The face is consistent with this detail. If there is a mosquito handling fee or other rights and obligations related to the tripartite, it is also treated by mosquito. _ The third part (3) is the payment and payment of the handheld communication device between the seller and the seller. The buyer, the hand-held rail device payment, the seller and the transfer agent can be contracted between the two parties (such as "Ding Wei contract"), and the seller's collection and payment entity should be transferred as scheduled to pay the two settlements before and after. The hand of the Wei bribes the banyan tree, New Zealand's agreed seller. The seller's collection and payment entity shall be subject to the payment of the hand-held communication device transaction accepted by the fair third-party seller who manages the payment service of the handheld communication device in the current period to calculate the transaction of the handheld communication device that needs to be verified, and the buyer of the buyer. Payment fee. The special track «domain_resident shot" is actually transferred, and the party agrees to take the initiative notice (such as (5) 丨丨 newsletter or written mail, etc.) or provide certification. The online inquiry method enables the seller to know the payment processing items of the handheld communication device accepted by the seller, and how much the handrail device should be obtained and the payment amount (ie, the payment amount of the communication device of the portable communication device of Beifang). If both parties have an agreed handling fee, or other rights, they will also be handled according to the agreed method. 22 200816068 If there is a need in practice, in addition to the seller, the seller collects the transfer agent, it is still necessary to provide a handheld communication device transaction payment service. The parties to this agreement may also be extended when a fair third party or other related parties to the payment mechanism make an agreement (such as a contract).

23 200816068 [Embodiment] The present invention is a method for using a handheld communication device 9 as a transaction payment tool, and the method is provided by a fair third party 1 mobile communication device transaction payment service platform Ή 'provided as a buyer and seller The communication device 9 or the online information device 10 performs the payment action and accepts the payment of the notary public'. Please refer to the figure-figure, which is a typical architecture diagram of the present invention. A typical handheld communication device 9, such as a mobile phone, is a device with communication personal personal assistant (PDA; Personal Digital Ass|stant). If both parties to the transaction are in the process of spending or collecting, they agree to pay by means of payment by means of a handheld communication device. The buyer 2 first calls the mobile communication device 9 to make the payment for the crane. After the necessary verification of the financial certification and payment amount, payment credit record, etc., you can enter the amount of the lecture, the seller 3 (store) handheld communication device number or store code, complete the promised payment operation, and the system responds to a random transaction identification. The number, the buyer 2 tells the seller 3 (store). Subsequently, the seller 3 then dials the number of the communication device 9 or the digital information device 1 to connect to the unbiased second party 1 through the network connection 1 to provide the lion's prison electrical code 'input (4) Wei code (or stomach ^ 2 Handheld pass _ silk set number), query the 鳞 scale (four) of the material payment Jing, and the time and amount of money is correct. If it is completely correct, the seller 3 enters the option to agree to accept the payment on the handheld communication device 9 or the information device 10 on the Internet. Then, the handset 2 of the buyer 2 can (4) send a short message to the payment service platform of the third party, and notify the seller that the payment has been accepted by the seller 3. Buyer 2 may save this newsletter for proof of electronic receipts that have been paid for this transaction. Buyer 2 may also take the initiative to dial the number of the telephone number provided by this impartial third party, and select the option that the inquiry has been accepted by the seller 3 to confirm that the promise payment has been accepted by the seller 3. At this point, party f3 has been assured that the party 2 purchases the goods 24 200816068 Take away, or recognize the consumer content provided by it or the monthly good business has passed the buyer 2 payment, you can let the buyer 2 leave. Steps for using the mobile communication device transaction payment method: The usage procedure of the handheld communication device transaction payment method is divided into three stages. First of all, in the first stage: Applying for the payment service of the handheld communication device, mainly because the buyer and the seller need to separately apply to the payment transfer entity for the handheld communication device transaction payment service; the second stage · · the transaction of the handheld communication device during the transaction The payment service is mainly for the buyer and the seller to use the handheld communication device for the payment of the father's payment service at the time of consumption; the third stage · · Handheld communication device transaction accounting clearing and sub-ledger, mainly the buyer and seller and their agreed collection The transfer entity and the impartial second party providing the payment service of the handheld communication device, the hand-held communication device transaction accounting clearing and sub-accounting, payment, appropriation and other account clearing mechanism. a. The first stage: application for the handheld communication device transaction payment service (1) Bayer 2 to the agreed buyer's collection and payment entity 4 to apply for the consumer communication device payment service provided by the handheld communication device transaction payment service, this The project mainly provides services for the transaction of payment by Beifang 2 through the handheld communication device, and for the inquiry and confirmation of the payment by the seller 3, which is also known as the payment service for the payment of the handheld communication device. () Bayer 3 to the seller of its contractor to collect the payment of the main body 5 application for the handheld communication device transaction payment service provided by the merchant handheld communication device payment service project, this project mainly provides the seller 3 through the handheld communication device 9 or information equipment The deduction is queried through the Internet and accepts the purchase of 25 200816068. It is also known as the payment service of the payment device for payment by the hand-held party 2 through the ship device 9. The following is a detailed description of the above steps. (1) The buyer 2 calls the agreed buyer's behalf (4) to pay the main body 4 to request the handrail device transaction payment service: the payment part Lu (8)... 峨 犹 吻 kiss #嫩 _ cake buyer 2 to the buyer of the buyer's agreed transfer agent 4 When applying for a consumer handheld communication device payment service project, 1 card calls for a true identity. The lion's f party collects and transfers the main body 4 such as a financial institution such as a bank. Usually, the buyer collects the transfer entity* and the person who has verified the identity of the buyer 2, and checks the information or supporting documents that can prove the true identity of the buyer 2, for example, the buyer 2 who checked the application and the identity card provided by him/her, the license or Health insurance card,...etc. After the buyer collects the transfer entity 4 and verifies the true identity of the buyer 2, he can check the previous credit history data and the creditor's record of the buyer 2 and evaluate the credit rating. Or you can further check the buyer's salary or proof of income, deposit certificate, ... and other documents to assess the ability to repay in general under the condition of payment. The buyer's collection and payment entity 4, after the above-mentioned various assessments, if all the bidding qualifications of the buyer 2 meet the requirements, the pie silk stomach 2 is within the interval of the payment settlement time (for example, every month). You can use the handheld communication device to trade the upper limit of the payment (or "the limit of the payment for each handheld communication device transaction,"), and notify the buyer who applied for the service. 2. 26 200816068 Beifang 2 in the period of time (usually The interval between the two payment settlement time intervals, for example, the parent month, the upper limit of the payment that can be used for the transaction of the handheld communication device, and the relevant information required for the user authentication of the buyer 2 in the transaction of the handheld communication device should be in this buyer 2 Before using the handheld communication device to trade the payment service, the buyer will collect the transfer agent 4 for safe and secure transfer of the fair third party, Miyazaki's hand rider device transaction payment service platform 11 for storage, in preparation for the follow-up buyer 2 When using the handheld communication device to trade payment services, the payment service platform can instantly authenticate its identity and check whether the accumulated transaction (including the transaction) has exceeded this Whether the buyer's 2 mobile communication device transaction payment limit is allowed to allow the buyer 2 to perform the transaction payment. The buyer's collection and payment entity 4 and the buyer 2 may agree on the buyer's 2 payment guarantee deposit or prepayment. The material is renewed, so as to reduce the risk of miscellaneous and maintain the mutual __ domain meaning. The implementation details are agreed upon by both parties. (b) The combination of buyer 2 real identity data and electronic identity authentication media certification factors After the buyer collects and confirms the true identity of the buyer 2, the buyer must combine the real identity information of the buyer 2 with the identity authentication factor of the electronic identity authentication media. The authentication factors may include the secure electronic identity of various entities. The certified media such as: Cryptographic Key stored in secure media such as SIM (Subscriberldentity Module) card (including wafer function card), smart smart chip module 8 or smart card (including chip credit card) of handheld communication device 9 Or provide information that only the buyer 2 should know and be kept confidential (such as the system login account and password), or establish enough to identify Biometric data (such as fingerprint identification or face recognition) of personal identity. 27 〆200816068 Buyer's collection and payment of the main body 4 when the buyer 2 applies for the payment service, the buyer's 2 real _, the scale buyer 2 __Lights (4) Payment limit ° The establishment of the buyer 2 identity and the combination of the authentication factors, as well as the assessed buyer 2 each period of the hand rail device to pay the correction _ degree and other information, need to be stored in the handheld communication device transaction payment, the actual instant Execute the buyer's 2 identity certification 'contribution to buyer 2 (four) _ and each line of handheld communication device transaction payment on the limit of the line of nuclear. If the secret structure of the payment service of the handheld communication device is directly from the fair third party彳 手持 手持 手持 手持 ” ” ” ” ” ” ” ” ” ” ” ” ” ” ” ” ” ” ” ” ” ” ” 即时 即时 即时 即时 即时 即时 即时 即时 即时 即时 即时 即时 即时 即时 即时 即时 即时 即时 即时 即时 即时 ( 即时 ( In the past, the buyer's collection and payment entity 4 will be transferred to the fair communication device for the fair third party 1 and will be recorded in the future. Gearing Toward the update; if, in the case of the transaction device of the ship device, the _ configuration, if the f-party __ 4 performs an immediate verification (as shown in the second figure), it is necessary to establish an instant transaction payment by the handheld communication device. The platform 传送 transmits the identity authentication data sent by the buyer 2 handheld communication device 9 to the buyer's 2° agreed buyer to transfer the domain 4 _ lose _. The authentication mechanism of the entity that actually performs the buyer's 2 identity authentication shall have the function of verifying the identity authentication factor itself or the identity of the identity certified by the buyer 2 handheld communication device 9. In the hand-held communication device transaction payment mechanism, the buyer 2 continues to use the handheld communication device to continue to provide the fair third party to provide the payment service]] the user of the handheld communication device 9 must be authenticated as a true identity of the user of the handheld communication device 9 Fangdai_Payment 4 28 200816068 Paying to this Bayer 2 The following is a description of a typical certification mechanism for several types of handheld communication device transaction payments. (1) · Adopting the entity's secure electronic identity authentication media: The entity's secure electronic identity authentication media must have features that are difficult to copy and crack its cryptographic key and important data content to prevent copying or The content is cracked and then written into a blank wafer to make an imitation. _ i_ SIM card 7: Calling mode 1: Identifying the user data and authentication key controlled by the carrier. Buyer 2 The SIM card chip internally records the basic data and key of the mobile communication user, such as the international mobile of GSM S old card 7 The communication user identification code (丨Ms丨; 丨ntematbnal Mobile Subscriber Identity) can be used to calculate the telecommunications communication fee of the user based on the call of the hand-held hacker, and the acquaintance (4) (4). The fair third party who provides this payment service is the most convenient for the user of the SIM card 7 _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ The user and authentication key data were cracked. In addition, the general SIM card 7 is issued to the Bayer 2 by the communication equipment or the service point of the telecom operator. The verification of the actual identity of the general communication equipment is less stringent and sure #, 7C-face is in the process of error Pick up the risk control point. The use of s丨7, which is solely issued and managed by the carrier, as the basis for the authentication of the user's identity for the payment of the hand-held communication device, must ensure that the risk of using the 2008 200806068 SIM card 7 is not copied or cracked. Moreover, Shan's buyer 2's true identity verification must be performed in a rigorous and tangible manner. 6 This procedure can be carried out when the buyer 2 collects the handheld communication device transaction payment service on behalf of the buyer. This xenon lamp, the f-party transfer to the main body 4, the buyer 2, the bid to hold the hand-held wire, "the communication industry has cooperation _, can be replaced when the buyer 2 user system of the S-card 7 version has security concerns, replace The new secure SIM card 7 is given to the buyer 2 user, and the face card uploads the relevant information of the user. 〖Mode 2: Take the buyer's generation _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ The functional specifications take into account the transaction of the handheld communication device. The application information of each application can also be managed by different service providers. Another way is to use the standard interface tool for developing application services on SIM card 7 to develop applications by this tool. The application month B in S|M card 7 interacts correctly with any brand mobile phone. Operation. For example, the SIM card application tool group STK (S|M Ding kjts) is one of the specification standards for the standard interface tool for developing application services on the S|M card 7 of gsm, defining the interface of the SIM card 7 and the mobile phone. And the necessary operating procedures. The S|M card application tool set is a program that will be developed to burn the micro-processing 30 200816068 on the SIM card 7. Through the STK support, the industry can cooperate with the handheld communication service provider to develop a handheld communication device transaction payment application to transmit information through SMS (Short Message Service) to provide payment for handheld communication devices. service. The consumer uses the built-in function of the S|M card 7 to select the handheld track device through the menu of the handheld track device 9 on the screen of the handheld communication device, and can use the STK for confidentiality function. Handheld communication device transaction payment f. However, it is inconvenient to replace the SIM card because it needs to be pre-programmed in the menu, but it is inconvenient to use SIM card with open card operating system, or By using the standard interface of the support application service, the SIM card 7 to send the handheld communication device transaction payment application, the buyer can collect the transfer user 4 and control the user's data and the target of the authentication. The invention is taken as an example. The relevant users of the GSM S|M card transmission basic application and the management of the certification record can be managed by the communication industry. The user of the hand-held communication device and the relevant certification system can be collected by the buyer 2 Responsible for the financial unit), the individual service providers manage the users they provide and the details they need to have their own rights and responsibilities, and the divisions should be (4) the advantages of safety control and control of the lion. The application of the same-SIM card 7 requires the establishment of the user and its authentication key by various service providers, which is cumbersome in procedure. In this case of the invention, the buyer 2 transfers the payment to the buyer of the agreement. The main body 4 towel, please communicate with the secret device, the agent pays the main body to buy 31 200816068 2, it can be issued or replaced - the new _ put-in operation § the old card Java SIM card) 'or install handheld The communication device transaction payment stk application SIM card 7 is given to the buyer 2. If the original SIM card 7 used by the buyer 2 is the S丨M card 7 of the open operating system, the original card can be 7° in the completed manned hand. The communication device transaction payment application and the user and the certificate are released to the side with the _s丨μ card 7, and then the parent is installed into the handheld communication device 9. The buyer 2 to the agreement The buyer's collection and payment entity 4 applies for the handheld communication device transaction payment service, and the SIM card 7 issued by the buyer on behalf of the transfer entity 4 to issue or replace a new open operation system may also be a chip credit card type, and only the chip credit card type Different from traditional The method needs to be verified by the credit card chip reader of the seller 3, and is directly installed in the SIM card slot of the handheld communication device 9. In this mode, the buyer collects the transfer entity 4 In cooperation with the carrier 2 who is bidding for the handheld communication device number, the SIM card 7 of the same open operating system can be used in the SIM card 7 of the same open operating system before the application and the user are required to bear the relevant information. It can be authenticated by the card's open operating system. ii-Secure Smart Chip Module 8 is issued by the buyer to the transfer entity 4 to release a secure smart chip module 8 that can be integrated on most handheld communication devices 9. It is another way to store account data and produce 32 200816068 certification code to identify the user's true identity. The challenge of using this physical identity document is that the security smart chip module 8 can be integrated with a wide variety of handheld communication devices 9 in terms of design of external mechanisms and electronic circuits. The following are design examples of several smart smart chip modules 8, the common feature of which is that the secure smart chip 811 serves as an intermediate control chip between the handheld communication device 9 and the user's SIM card 7. In practice, the appearance and mechanism of the smart smart chip module 8 are designed to be placed in the SIM card slot of the general handheld communication device 9, and the security module can contain or integrate the original user. The SIM card chip 71 is used to be mechanically integrated with the SIM card slot of the general handheld communication device 9. In order to achieve this, the security smart chip module 8 is usually made of a thin card plastic. The frame integrates the security smart chip 811 into one body, and the thin card is closely overlapped with the Sim card 7 and the relative position of the two cards can be fixed in the mechanism design (for example, for bonding, embedding or nesting, etc.) In the design of the electronic circuit, the smart smart chip module 8 replaces the SIM card 7 used by the original user, and provides a connector electronic connector that can directly communicate with the SIM card slot of the handheld communication device 9. The ic card contacts are connected to be integrated with the electronic circuit of the handheld communication device SIM card connector, and after being processed by the security smart chip 811 included in the module, the original connection is made to the original The SIM card chip 71 used by the user is used for data input and output processing. In the fourth figure below, a security smart chip module 8 and the SIM card 7 are interfaced on the circuit logic 33 200816068. In the middle, the security smart chip module 8 is made up of a special SIM + 'in addition to the pins of the general smart card, and then add a set of additional data input and output (丨 / 0) pins, the connection of the general smart card The foot can be directly connected to the brain of the SIM card slot as the interface on the circuit'. Then through the security smart crystal 811 control and the 3 old card 7 through the additional data input (丨 / 〇) pin for two wafers Input and output of data. Some electronic access to the county track reading device S|M card plug-in connection with fresh metal contacts, security smart chip 811 and SIM card 7, is directly connected to the circuit connection. These pins include the power supply VCC , reset RST, timing CLK and grounding point GND. Only the data input/output pins (|/〇(4) are not directly connected, and the full-powered chip 811 is directly connected to the handheld communication device S|M card slot. The data input/output contacts of the device are connected on the circuit, and they are safely intelligent. After the state touches or processes the command issued by the handheld communication device 9 and needs to communicate with the SiM card 7, the command is issued to the s丨M card 7 and the response is accepted and can be judged or processed according to the SIM card 7 Then call the handheld communication device 9. Therefore, the security smart chip 811 can be regarded as an intermediary control chip for data transmission between the handheld communication device 9 and the SIM card 7. Another security smart chip module 8 and s丨M The implementation of the interface of the card 7 in the electronic circuit can be implemented as shown in the fifth figure. In the practice of this case, the appearance and mechanism of the safety smart crystal module 8 can also be designed to be placed. - (4) card towel, and the security module can contain or integrate the card chip 71, 34 200816068 used by the original user to make it _| In order to achieve this goal, the m-card slot is spliced. In this case, the secure smart chip module 8 is composed of two layers of physical circuit layers, and the smart smart chip module 8 is usually made of a thin card plastic. The box and the ultra-thin package of the security smart chip 812 are integrated into the body' The thin plastic sheet is closely overlapped with the card 7 of the third layer, and the relative positions of the two are fixed in the mechanism design (for example, 'turning' chins & amps). This _ is divided into three layers of physical circuit layers 'the top and bottom of each layer can be used as a connection between circuit contacts. In this case, only the power supply VCC and the grounding point GND are connected between the security smart chip 812 and the SIM card 7 in the ultra-thin package of the connector metal interface of the handheld communication device lake card slot. The pins including the reset RST, the timing CLK, and the data input 丨(丨/〇p丨n) are not directly connected, but the connector of the rail card slot is directly solved by the security smart crystal #812. The three contacts are connected on the circuit, and after the security smart chip 812 determines or processes the command issued by the handrail device 9, if it is required to communicate with the (4) card 7, the SIM transmission is activated. The way to control the output with the appropriate timing and (4) card 7 reset RST, timing CLK and data input / output (丨 / 0 pin) pin signals, in order to fully grasp the communication with the S | M card 7. If the SIM card 7 is commanded and accepted, it can be judged or processed according to the content of the S|M card 7 response, and then responded to the handheld communication device 9. Therefore, the security smart chip 812 can be regarded as a master control communication device 9 35 200816068, an interaction between the SIM cards 7 and a security control chip providing a towel processing or value-added service. ^ iii. Smart card, a smart card that can be used to integrate the smart card used on the mobile device 9 to generate the authenticity of the authentication code, is another way. Ji said that the buyer 2 went to the buyer of the gorge to transfer the main body 4 application % + holding the communication device transaction payment service, the buyer's collection and payment of the main body 4 was issued on the handheld communication device 9 so that the _ smart card can also be the "wafer card type" The chip L card is different from the traditional one. It needs to be authenticated by the credit card chip reader of the seller 3, and is directly installed in the smart card slot of the handheld communication device 9. The smart card with the ID-1 type is used as the physical identity authentication medium. In practice, there is a disadvantage that a special φ handheld communication device 9 equipped with a smart card slot is required to use the smart card to generate a handheld communication device. The identity authentication code required for the transaction payment service platform 11. Therefore, the use of the smart card of the general 丨dm type as the authentication medium for the transaction payment of the handheld communication device has the disadvantage that it is difficult to integrate into the handheld communication device 9 used by most people at this stage, and therefore, there may be a problem that it is difficult to promote. (2) _ Use only the method that the buyer 2 should know and must keep the authentication data: The typical representative of this authentication method is to confirm the user's identity by login account and password. According to the user identity authentication mechanism designed by the system, it can be manually re-entered every 36 200816068, or it can be temporarily stored in the memory and the password and password will be automatically authenticated. The transaction payment service platform 11 is used for authentication. When the buyer 2 user applies for the handheld communication device transaction payment service at the buyer's collection and payment entity 4, the buyer collects the transfer entity 4, that is, the user's account and the identification code required for the user to perform the hand-held device to pay the secret. 'And in the form of a security thread, delivered to the buyer 2 users or the Bayer 2 user himself to select the login I-pass authentication password required to perform the payment of the handheld communication device transaction, and set it to the buyer in a safe manner In the poor repository system of the collection and payment of the main body*. This login account and password authentication information must be transferred to the main body 4 in a safe manner in a reasonable time. _Equitable third party] The operating platform of the Denco device is managed by the (4) party 2 identity certification. In the database. This method can also be combined with other identity authentication methods to increase the security of hand-held communication devices. For example, in addition to using the international mobile communication user identification code stored in the S|M card 7 to identify the user, the buyer 2 user is required to verify the password to verify that it is personally operated by the user. (3) · Adopt biometric authentication method: The buyer shall collect and transfer the transfer entity 4 to measure and record the biometric _ authentication characteristics of the user of the f-party 2, and verify the electronic data of the identity established by the user's true identity, ^ need to be correct Association and link. Identifying the true identity of a user with biometric authentication is another way. Biometric authentication methods, such as the biometric features such as face or fingerprint identification, can identify the buyer 2 user. The use of the raw scorpion side 2 妓 妓 减 减 减 减 减 减 减 减 减 减 减 减 减 减 减 减 减 减 减 减 减 减 减 减 减 减 减 减 减 减 减 减 减 减 减 减 生物 生物 生物 生物 生物 生物It is best to only capture the biometric features and allow the remote transaction payment platform to recognize this feature as a live feature. The money identification certification is used for the riding certification method. In reality, it is not necessary to use a special hand-carrying transposition 9 equipped with an instant collection biometric device to find a recording authentication method. (2) Seller 3 _ stipulated f party collection and payment subject 5 Please call the communication device transaction payment service: the payment part (8) Bayer 3 real identity confirmation and the communication device payment transaction seller 3 credit rating seller 3 agreed to it The seller collects the payment subject 5 and applies for the consumer handheld communication device payment service item, which requires the true (four) points. The seller of the code rhyme is collected and transferred to the financial institution such as a bank. Usually, the seller collects the transfer agent 5 and has the identity of the seller 3, and checks the information or the document that can prove the true identity of the seller. For example, the buyer 3 of the verification claim and the identity card provided by him, the driver’s license or Health insurance card, etc. After the seller collects the transfer entity 5 and verifies the true identity of the seller 3, it checks the previous credit history data and the creditor's record of the seller 3 and evaluates its credit rating. Finance needs to step-by-step check #方3 whether there are business related records, such as fraud, theft, robbery, ..., etc., or business dispute history records, such as evading business tax, etc., to ensure that this merchandise Or the seller of the service meets the basic credit terms of the hand transaction payment merchant of the 2008 38068 device. Or you can further check the seller's salary or proof of income, proof of deposit, ... and other documents to evaluate the delivery under the general conditions. After the seller's collection and payment of the main body 5, after the above-mentioned various evaluations, if the seller's __ __ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ It is also possible to assess the time at which the seller 3 can accept the payment of the transaction of the handheld communication device at the interval between the two payment settlement times (such as every _month). Payment on the limit _ degrees"), and inform the seller 3 to apply for this service. The buyer 3 may accept the upper limit of the transaction payment of the handheld communication device during the period of time (for example, every month) and the relevant information required by the seller 3 for the user authentication of the payment transaction of the handheld communication device. Before the shipment of the ship to the transaction payment service, the seller will tear the main body 5 to secure the party, and the third party will operate the special communication device transaction payment service platform for the female, in order to prepare for the follow-up, party 3 When using the handheld communication device to pay the secret service, the payment service platform can be mixed, and check whether the accumulated payment of the transaction includes the transaction acceptance of the seller's 3 handheld device. In order to decide whether to allow this #3 to accept the transaction payment executed by the buyer 2. The beneficiary transfer 5 and the seller 3 can agree that the seller 3 must pay the compensation, = the gold payment, the repayment, etc., the gift is disputed and blamed, the situation occurs, and the buyer 3 is in the main In the objective conditions, if no compensation can be made, the only party that collects the transfer 5 confiscates the deposit, or directly deducts the amount of the amount of 4 2008 Beifang 2 as a compensation. The implementation details must be agreed by both parties. (b) The combination of the seller's 3 real identity information and the electronic identity certification media certification factor. The buyer's collection and payment entity 5 must apply to the seller 3 when applying for the payment service. Verification, assessing the side of the seller 3, and assessing the amount of payment for the transaction of the handheld communication device in each period as needed. After the verification, the seller's 3 identity and certification factors are combined, and the evaluation shirt 3 can accept the handheld communication device for each period, and the actual communication is performed. 3 identity authentication, the credit card of the seller 3 is described in the system for accepting the limit of the transaction payment of the handheld communication device in each period. If the system architecture of the mobile communication device transaction payment service is directly operated by the fair third party i, the handheld communication transaction payment platform ^ immediately executes the tree inspection as shown in the first figure), the seller 3 shirt certification and the axis can be The relevant information on the limit of the secrets of the rail device must be before the seller 3 activates the payment service of the handheld communication device, and the safe party or the 安全 ϋ丨 万 万 万 安全 安全 安全 安全 安全 卖方 卖方 卖方 卖方Three

The seller collects and transfers the main body 5 revolving mechanism. The communication device transaction payment platform is in the middle, and τ Ya will put the second type of information and the transaction payment platform 11 in the future. • The identity certification data to the seller 3 agrees to implement the certification mechanism of the main 200816068 body of the seller's 3 identity certification. It has the function of instantly verifying the identity authentication information provided by the seller 3 handheld communication device 9 or deriving the calculated identity authentication data. The combination of the remaining seller 3 real identity data and the electronic identity authentication media authentication factor is similar to the previous section of the buyer 2 real identity data and electronic identity authentication media authentication factors, and will not be repeated here. b• Second stage: transaction When performing the handheld communication device transaction payment service Lu (1) Bayer 2 must first pass the identity authentication of the handheld communication device payment transaction platform. (2) Bayer 2 makes payment through the handheld communication device 9. (3) Seller 3 through the handheld communication device 9 or The Internet confirms that Buyer 2 has completed the payment and accepted its payment. (4) Bayer 2 Wire through the handheld communication device 9 to inquire that the seller 3 has accepted the payment from the buyer 2's handheld communication device, or (5) the Bayer 2 passive Receive the electronic receipt sent by the trading platform to confirm that the payment transaction has been completed. The following is a detailed explanation of the above steps. () Bayer 23⁄4 first through the handheld communication device payment silk platform identity authentication transaction if both parties in (4) or _ finished checkout At the time, the brush is intended to resign by the communication device, and the buyer 2 first dials the hand-held communication device 9 to provide the impartial third party 1 (4) Paying the domain code, the tree system _ 胄 简 简 。. The fair third party 1 provides the communication device delivery service platform 彳1, this platform needs to be able to identify the true identity of both parties to the transaction. After the completion of the buyer 2 identity verification, Only after the purchase of 200816068 is allowed to continue, the buyer 3 is allowed to continue the process of accepting the payment of the transaction of the handheld communication device of the buyer 2. The method of identity authentication of the parent and the two parties is In the preceding section, the S|M card 7 is authenticated, and the method 1 is to identify the buyer 2's with the user information and the authentication key of the general controller, firstly by the buyer 2 Weaving the staff to hold the communication device transaction payment service platform 11, and automatically set the S1M card 7 user identification code (such as gsm, card; International Mobile Subscriber

Identity)) The material is transported to the handheld communication device transaction payment service platform ^, the handheld communication device transaction payment service platform 彳彳 check the user identification code of the Bayer 2 that has been delivered by the f-party to the transfer domain 4 Once the information is correct, the identity of the buyer's user can be confirmed. If the method of identity authentication between the two parties is based on the above-mentioned chapter, the card is certified by the card, and the mode 2: by the buyer, the domain is transferred to the domain 4 fresh 1 household view, and the buyer is the first. 9Starting the TAC payment, the hand-held communication device is handed over to the service platform, and the buyer of the secret communication device from the Secret Lake Card 7 pays the record of the buyer’s heart (4) and its identity certification. After the operation, the identity authentication code and other data are transmitted to the handheld communication device transaction payment service platform, and the handheld communication device X (four) payment service is flattened by the stomach _ sheng body 4, which is the second party _ household data, and After verifying the identity authentication code with Na's authentication key and password calculation method, the identity of the buyer's 2 users can be confirmed by the disc. The buyer's identity authentication money can be collected by the w party. The user's sub-certification seed key (Seed Key) is used as a derivation meter in the way of diversification _ D丨鹤丨fjca_. 200816068 Calculated to reduce the payment of the handheld communication device payment platform for many buyers and 2 users. Key required The burden of full storage and operation - The method of identity authentication of the two parties in the transaction is based on the security smart chip 811 certification in the previous section, and the user data and the authentication key controlled by the transfer party 4 are also recognized as the identity of the buyer 2' The principle of the above-mentioned "s丨7 certification, the method of the m-party collection and transfer of the subject 4 control and the identification of the purchaser 2" is the same. The difference is mainly in: the use of security wisdom The chip module replaces the open operating system, the system 丨M card 7 to store the handheld communication device transaction payment software and the buyer 2 user identity = = #料. In the processing method of the authentication logic, the two are similar, here If the identity card of the parent and the other party is authenticated by the smart card in the preceding section, the user's data and the certification amount controlled by the buyer will be used to identify the identity of the buyer 2'. Using the above-mentioned 'SIM card 7 certification, the method 2: the buyer's collection of the user data controlled by the transfer entity 4 and the authentication key to identify the buyer 2" is the same principle. The main difference is: • The ID-1 type smart card is used instead of the open operating system S|M card 7 to store the handheld communication device transaction payment application software and the buyer 2 user identity authentication data. In the processing method of the authentication logic, the two are similar and will not be described here. If the method of identity authentication of both parties is based on the above section “(2)·Only the method in which only the buyer 2 should know and must keep the authentication information confidential,” the login account and password are used to enter the authentication method. In the authentication procedure, the handheld communication device 9 of the buyer 2 first initiates the handheld communication device payment application software to dial the handheld communication device transaction payment service platform H, and prompts the buyer 2 to input the login account and password, after the buyer 2 user inputs, The handheld communication device 9 transmits the data to the handheld communication device transaction payment service platform, and the handheld communication device transaction payment 43 200816068

The service platform 11 checks the user and the authentication password data of the buyer 2 that has been previously delivered by the buyer to the transfer entity 4, and after verification, the identity of the buyer 2 user can be confirmed. The authentication password can also be processed by the same one-way function or hash function (Hash Functj〇n) at both ends of the authentication (handheld communication device 9 and handheld communication device transaction payment service platform), and then compared to increase Its fullness. In addition, both ends of the authentication can guide the authentication key based on the authentication password, and at each time, the non-authentication code is generated, and the password authentication security is generated. In order to improve the security of password transmission, before the password is transmitted, both ends of the authentication can also derive the secrets of each secret (Sessi0n Key) to ensure the confidentiality of the authentication password. The method of identification of the father and the two sides is to identify the buyer by using the biometrics such as “sound biometrics” or “fingerprint”, for example, by using the biometric authentication “type” or “fingerprint”. The buyer 2 handheld communication device 9 must have components that can be used to identify the biometric features, such as a handheld communication device that facilitates Wei or video functions. ^In the order of recognition, the handheld communication device 9 is started by the buyer 2 The installation software application dials the rider's device to pay for the payment service, and proposes that the user's characteristics are fine. For example, the shouting is the appearance of the facial expression. The buyer ^ Will be collected, the hand ship information device 9 to pass this information _ hand-held animal equipment device _ service platform 彳彳 'hand Wei Xun _ secret service platform ^ check ^ before has been bought by the money to transfer the body 4 private this ^ 2 枓 'Test without bribes, (4) Delete party 2 (10) surgery. Fine payment service ^ The information that can be provided by the communication device 9 is the biological feature antelope 44 that is immediately taken from the living body. 200816068 This biometric data can be transmitted at the wheel. As mentioned in the previous paragraph Precise transmission mode to ensure the confidentiality of biometric data transmission between the authentication terminals. (2) The buyer 2 makes a transaction payment through the handheld communication device 9 and the buyer 2 sends the handheld third device to the impartial third party. After purchasing the payment phone number, you can enter the age of the age, the handheld communication device number or the store code to complete the promised payment. The hand-held device will check the secret platform and check the current accumulation. Whether the handheld communication device's parent payment (including the transaction) has exceeded the buyer 2's mobile communication device transaction payment limit limit to determine whether to allow the buyer 2 to perform the transaction, and the mobile communication device is not exceeded. The transaction payment platform responds to the buyer 2 with a random transaction identification number, and the buyer 2 then tells the store (seller 3) the number (or the handset 2 of the buyer 2). (3) Bayer 3 screams through the hand-held 9 _ off After confirming that the buyer 2 has completed the payment and accepting the payment IW, 'Buy S 3 and then dial the handheld communication device 9 or digital information device 1 to connect through the Internet connection. After the program provides the telephone number of the program, and through the procedure of the seller's 3 body knife (refer to the buyer identity authentication method just described in step (1)), the hand-held communication device delivers the secret platform 11 can be executed as required. #方3 Accept the check of the W 2 handheld communication device transaction payment conditions (for example, the seller 3 can accept the payment of the handheld communication device in each period, and the (flying) right pass check, the seller 3 can enter the transaction identification number (or the buyer 2) News #波波码) 'Check 33 whether the buyer 2 has promised to pay the payment record, and confirm that the transaction time and amount are correct. If it is completely correct, the seller 3 can access the Internet on the handheld communication device 9 or 45 200816068 On the information device 10, an option to agree to accept the payment is entered, and the payment acceptance message is sent to the handheld communication device transaction payment platform. (4) The buyer 2 actively inquires through the handheld communication device 9 that the seller 3 has accepted the buyer's 2 mobile communication device transaction payment, the buyer 2 can take the initiative to dial the fair third party] the selected payment phone number, and the selected inquiry has been The seller accepts the pure item to confirm that the face payment has been received by the seller 3 or the electronic receipt sent by the passive receiving platform to confirm that the payment transaction has been completed. (9) The buyer 2 passively receives the electronic scale sent by the good station, confirms that the payment transaction has been completed. The seller 3 completes the third step and completes the operation of accepting the secret payment from the buyer 2 handheld communication device. To the fair third party] the payment service Pingkou Sheda's payment to notify the seller that the payment has been accepted by the seller 3 can save the newsletter for the electronic receipt proof that the transaction has been paid. λ is the above step (4) or after the (6) step to buy # 2 to confirm that the seller a has accepted the payment of the rail device, and the seller 3 can also safely let the buyer 2 _ the item is taken away or approved. The consumer content or service provided has already been paid by the buyer 2, allowing the buyer 2 to leave. The hand-held communication device is easy to pay, and the transaction is confirmed by the two parties and the third party is confused. The steps of Wei Xing can be added or deleted, or the other parties involved in the hand-held device are added. Perform some adjustments in the order of execution. Among them, a specific case that can be implemented, the main body of the direct communication between the buyer and the seller, the buyer and the buyer on behalf of 46 200816068, the transfer of the main body 4 and the # party collection and transfer of the main body 5 as an intermediary unit to connect just third The person, the hand riding and weaving (four) paying the fresh table 11 (refer to the third picture), the steps are as follows: (1) The buyer 2 first fiscal holding the wire set 9 company (four) the party to the main body 4 and through the buyer collection, body 4 The knives of the 3 knives have exceeded the payment credit record of Beifang 2 and the payment limit for each transaction of the handheld communication device. (7) After passing the inspection, the buyer 2 passes the hand-held succession 9 as the suspected province to collect and transfer the 2 body 4 and receives the payment request from the buyer 2's handheld communication device, and immediately connects the second=the handheld communication device to pay the transaction. The platform 11 transmits the payment request of the buyer 2 and takes the transaction identification number of the transaction payment generated by the easy-to-pay oblique platform, and then transfers it to the party 2 through the handheld device 9. Buyer 2 will _ the transaction identification number wire seller 3. () Beifang 3 collects the transfer entity 5 by hand-receiving the 9-line seller and transfers the identity of the body 5 through the seller's collection, and checks the receipt side record of the seller 3. If necessary, the payment of the seller's communication device (4) will be exceeded. The domain a party 3 transmits the transaction information of the handheld communication device through the information device 1 of the hand-held track device 9 to receive the transaction of the handheld communication device, and the seller 3 inputs the transaction identification number notified by the buyer 2 on the man-machine interface, and connects and transmits to The seller collects the transfer entity 5. The seller's collection and payment entity 5 receives the payment notification message from the seller 3 after accepting the handheld communication device, and immediately connects the fair third party 1 to the handheld Nagasaki to submit the secret platform, and transmits the transaction identification number to the seller 3 Accepted handheld communication device transaction payment message. The handheld communication device transaction payment platform 11 receives this message to match the buyer 2 transaction payment * owed request corresponding to the transaction identification number with the seller 3 accepting the transaction payment message, and generates the transaction payment for the age of 47 200816068. 'Return the seller's collection and payment entity 5 and the buyer's collection and payment entity 4. The seller collects the transfer entity 5 and then dissects the payment for the notarization, and transfers it through the hand axis. 9 (5) The buyer 2 actively checks the woman's transfer and transfer the main body through the handheld communication device 9 to confirm the transaction payment. The notarization is completed (also (4) party 3 has accepted the buyer 2's handheld communication device transaction payment), or (6) the buyer 2 passively receives the electronic receipt sent by the party's collection and payment entity 4, confirming that the transaction payment notarization has been completed. In the above-mentioned case 6 steps, although in the process of increasing the participation in the payment processing of the handheld communication device, the buyer 3 has followed the ___, the issuance of the certificate, and the subject of the fine whistle check has also been adjusted in the order of execution, but the practice 5 The steps are meaningful, so it is still covered by this patent. The core meaning of the above 5 steps is as follows. Φ (1) age hand fine 1 (four) her: stomach Liu t tree riding device 9 through the series provided by the untrusted third party of the transaction service of the tonitasaki 1 to submit a transaction payment execution request; ' • seller 3 _ track (four) lost to the 3 solution to the device network information equipment 1 〇 obtain this fair third party 1 to provide this buyer 2 has been the seller of this three lines of the transaction transaction message, the seller 3 itself and accept the buyer's When the transaction of the transaction is confirmed by the reply, this fair third party is skillful; Tian 48 1 Γ 2 Thanks 3 has Mei m 2 torn the axis 峨 9 to pay this fair third party 彳 provide the transaction payment has been accepted by the seller 3 Message: 200816068 Confirm that the payment for the transaction has been completed. Or the unbiased third party 1 provides the buyer 2 electronic receipt (such as a newsletter) or rides the sound to provide the completion message. 'The hand-held pass-through parent pays the payment step, the buyer 2 and the fair third party 1 from the transmission-to-view device 9 of the miscellaneous touch green track square; "Part 3: the second one 1 ship Ke The material data communication method of the 9th data track is 'or the above-mentioned 纟 纟 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 There are any subjective and objective factors that need to be refunded, and the buyer and the seller also agree that they can refund the previously completed handheld communication device transaction payment. 'It can also be similar to the above-mentioned handheld communication device transaction payment step. The following is a handheld The case of the communication device transaction refund processing step is as follows: (1) The buyer 2 of the return must first pass the identity authentication of the payment communication platform of the handheld communication device. (2) Retreat; k Bayer 2 uses the handheld communication device to retreat Buyer 2 selects the refund on the menu, • enters the transaction code of the previous transaction to be refunded. The transaction payment platform can provide the historical transaction data inquiry of the buyer 2 as needed, so that the buyer 2 has not recorded the historical history. (3) The seller 3 connects to the transaction payment platform via the handheld communication device 9 or the Internet. After passing the identity authentication, the buyer 2 who has inquired and confirmed the return has executed the refund of the transaction code to be refunded. For the request, the seller 3 may decide whether to accept the original buyer 2's refund request and make a confirmation reply. (4) The return buyer 2 actively inquires through the handheld communication device 9 that the seller 3 has accepted the buyer 2's handheld communication device transaction refund. Confirm that the transaction refund has been completed, or 49 200816068 (5) The buyer takes the shirt 3) He Wei (four) Ping Wei electronic retreat Wei Zhi, confirm that the transaction has been completed. C. Phase III: Handheld communication device transaction accounting clearing And the third stage of the sub-ledger is the payment clearing and sub-accounting of the buyer and the seller and their agreed collection and payment entities and the hand-held communication device for the impartial third party who provides the transaction of the handheld communication device. The clearing mechanism for accounts such as appropriations. The clearing and sub-accounting of the hand-held communication device transaction account is divided into three parts: (1) The liquidation and payment of the pure money by the buyer 2 and the buyer's remaining transfer agent. (2) a Positive second The buyer's collection and payment of the transfer entity 4 and the seller's collection and transfer of the 5 hands-held communication device transaction payment clearing and transfer. (3) seller 3 and #钱_付域5 _ hand ship "set (four) slave Liquidation and dialing (a) ^ method of the buyer _ party collection and transfer of the main Zhao 4 _ accounting clearing ~ Bayer 2, hand-held rail device to pay green f party transfer domain * double can be simplified (such as: two ) 'Regulation (4) Party 2 should be on schedule _ to pay off its interval between the payment and settlement time of the social payment. 4, the general payment of the payment, the fine object is the buyer and the buyer of the agreement with the transfer of the transfer of the second party to the main body 4 coffee The fair third of the 峨 峨 服务 服务 服务 肃 肃 肃 肃 肃 肃 肃 肃 肃 肃 肃 肃 肃 肃 肃 肃 肃 肃 肃 肃 肃 肃 肃 肃 肃 肃 肃 肃 肃 肃 肃50 200816068 Hand-held communication _ _ _ _ _ _ _ 4 every _ segment _ (for example, the first few days of each month) is to take the initiative to notify (such as E_, newsletter or written mail, etc.), the police need to pass the certification Nacha Finance, Yunfang 2 privately knows what to do (four), and how many handheld communication devices should be paid (“party 2 mobile communication device transaction payment amount”).

The buyer 2 knows that after paying the bill for the payment of the trajectory device, it can be based on the agreement between the buyer and the buyer of the handheld communication device. The method 'pays the buyer's micro-transfer payment domain 4 before the deadline for each payment agreed by the two parties. When the two parties pay the payment (4), the two parties agree that the deadline for each payment is the first few days of each month. Hey. 2. The hand-held communication device can be charged to the buyer 2 to pay the payment amount of the payment for the handheld communication device, for example, the two parties agree to each month. The first few days are the date of each payment.

' - V - J The above two types of buyer 2 pay the buyer's payment method for the hand-held communication device of the transfer entity 4, and can pay the 'e-transfer (such as transfer or wire transfer) to the designated account agreed by both parties, or other The payment depends on the green item of the derailment device, and the cash equivalent of the non-touch cash is paid. The payment is called the check _), the payment domain is known, and the payable amount is paid. If the two parties have agreed to make up the fee, the money will be secretly handled by the other party. The buyer's collection and payment of the main body 4 can be agreed, the standard buyer 2 should pay as scheduled, paying off the payment in the previous two times. For example, 'buyer 2 can use the batch checkout method within the legal period, and all the hands of the period _ _ period (such as each month) to hide the secret, or to meet the minimum ship, there is still arrears) 51 200816068 Or the payment of the instalment method to pay the minimum ship amount or the payment of the condition (such as the additional interest) may be agreed upon by the buyer 2 and its buyer on behalf of the transfer entity 4 . The above-mentioned buyer 2 and the hand-held communication device transaction payment buyer's collection and payment entity 4's clearing payment' and collection relationship is the most basic buyer 2 payment mode, if there is a need in practice, in addition to the buyer 2, > handheld communication If the device transaction buyer collects the transfer entity 4, it is still necessary to provide a fair third party of the handheld communication device transaction payment service or other payment _ subject matter multi-party agreement (if the contract is set) The object of this convention. Between the buyer 2 and the buyer of the buyer and the transfer agent 4, the buyer can submit the handwritten secret items in a variety of ways, for example, the time-based job reading method is handled directly or directly by the buyer 2 The deposit balance or deposit of the deposit account is directly deducted. The following is a description of several cases in which the payment model is extended. Case of the contribution payment model -: The transaction payment amount of the handheld communication device is merged into the credit card bill, when the buyer_pay tank 4 is recorded (for example, Qi), and the buyer 2 agrees with the purchase city to collect the balance field 4 When it is the card issuing unit of the two side cards, the two parties can be simple (such as setting a contract), and the handheld communication device transaction payment f and side card money accumulated in a certain period of coffee, such as each month. In the monthly bill of the buyer's 2 card, the transaction information is listed on the buyer's 2 credit card statement (or when the security entity of the buyer entity recognizes that the media is the credit card, the handheld communication device The transaction payment billing county is the credit card account early) 'consolidated accounts' and processed by credit card payment. The buyer 2 may not pay the full amount of the payment on the due date of the payment, only the minimum listening amount of the (four) card, but in the future, the payment of the outstanding interest of 52 200816068 is paid, and the payment of the principal and interest of the payment is made by the money. And with the steps to pay off their payables. Case 2: The buyer 2 pays the account to deduct the hand-held communication device from the purchase of a single butterfly, and the buyer 2 agrees with the month = Γ hand Γ 4 (four) peak order _,. ^Payment, from the fine hoof square 2 opened in this gold level, and the account of the account of the household account (or prepaid deposit account account) in the communication device, Qian Qian, this gold shed _ _ two = household The financial age is old and its reading device is secret. The deposit balance in the account of the deposit account opened by the financial unit is insufficient. In the case of the payment of the payment for the handheld communication device in the current period, the buyer 2 shall handle the payment between the buyer and the owner. Case 3 of the extension payment model: the transaction payment amount of the handheld communication device is merged into the communication communication bill of the handheld communication device, and the portable communication device for the buyer 2 is provided by the communication device of the buyer 2 to the communication service. When the buyer 2, the buyer 2 uses the handheld communication device, the communication provider can agree (such as setting a contract) to accumulate the hand-held transaction payment information and handheld communication accumulated during a certain period (for example, every month). The cost of the communication will be automatically transferred to the buyer's telecom bill for the communication fee of the overnight device. The transaction information of the handheld communication device will be listed in the electricity domain of the buyer 2, and the combined account will be It is handled by telecom bill payment. 53 200816068 AiL of the law - 1 'The buyer's transfer of the main body 4 and the seller's transfer of the main ship 5 transactions account clearing to the buyer 2 generations for the remaining rails to pay the stomach section of the main county rail device transaction The foreign party transfers the payment domain 4, and the main body of the receiving device to the seller 3 is the hand-held communication device transaction payment seller's collection and payment entity 5. The buyer collects the transfer entity 4, and the fair third party who manages the secret communication service of the handheld communication device and the #party transfer to the main body 5, tf, 疋 (such as Ding Wei., '々) every During a period of time (for example, the first few days of the month), after the fair (4) 1, transfer 2 (four), Qi (four) things, Wei Ji, after the amount, each will be followed by (four) _, the county is tender (10) party 3 Passing "Setting Green to tear", taking care of the financial writing (four) material (including its corresponding seller, Dai Na, _ 2, (4) fine device transaction, Beifang collection and payment of the main body 4. Then 'handheld communication device _ party collection and payment of the main body 4 and then in accordance with the three parties (_ _ _, transfer, _ its Peijin shop way to transfer money to the age of riding Qiajiao green # generation to touch body 5. operating handheld communication device transaction payment The fair third party of the service is also required to provide the seller's collection and payment of the main body. The seller of the company is responsible for the payment of the details of the payment by the seller. Accounting for the seller's collection and payment of the main body 4 Na Na to this f ^ 3 face is consistent with the ride of the Mingqi material. If there is an agreed handling fee between the three parties, or The matters related to his rights and obligations are also handled in accordance with the agreed method. (3) The seller's 3 of the method and the seller's transfer of the transfer domain 5 are pledged. 54 200816068 Buyer 3, Handheld communication device transaction, seller and transfer agent 5 Can be agreed (such as = about) 'regulation _ side _5 should be like _ turn _ its shouting at the interval of the lion's payment settlement, the loyalty of the job, please _ like the seller with the agreement 3. _ 5 f by __ Nen Yi Shipping's fair third: Obtain _ 3 accepted mobile communication device transaction payment details in the current period, and verify the payment fee for the seller's 3 rail device transaction by special approval. s, the device 认 认 贝 贝 贝 代 代 代 代 代 5 5 5 5 5 5 5 可视 可视 可视 可视 可视 可视 可视 可视 可视 可视 可视 可视 可视 可视 可视 可视 可视 可视 可视 可视 可视 可视 可视 可视 可视 可视 可视 可视 可视 可视 可视 可视 可视The hand-held communication device transaction payment item, and the amount of payment for the hand-held communication device transaction that should be obtained, and the right amount of the transaction fee, or other _ obligations related matters, the machine agreed to deal with the 0 Party 3 'hand-held rail device to pay the green shirt collection and transfer of the main body 5 between the two sides (such as Contracts), collection and payment of the main body 5 need to be in the period of every period (for example, every few days of the month) in the form of delinquency, or transfer to the financial form, the silky seller 3 of the communication device father easy to pay 2. The seller 3 can charge the seller in the form of a batch every other day (for example, every _day), or collect the payment from the seller 5 for each collection method. Communication device transaction payment. 55 200816068 The above two methods of payment by the seller 5 to pay the payment of the communication device of the seller 3 can be paid in cash, electronically transferred (such as transfer or wire transfer) to the designated Izu agreed by both parties. , or delivery of other financial payment instruments (such as checks or money orders) equivalent to cash receipts, etc., such as payment methods, to complete the payment.

The above-mentioned seller 3 shot riding wire stocking section #方代转付主5's liquidation, collection payment and younger _, is the most basic (four) side 3 collection, if the practice two ^, in addition to the seller 3, handheld communication The device transaction fee is charged by the seller in addition to the transfer entity 5: (4) 1 The material transfer mechanism ^ 疋 (if the contract is determined), the object of this agreement may also be expanded. 56 200816068 [Simple description of the diagram] The diagram is a schematic diagram of the architecture of the transaction payment service system of the handheld communication device of the present invention.帛_图 is a schematic diagram of the second case of the wire payment service secret architecture of the handheld communication device of the present invention. The second picture is a schematic diagram of the third case of the hand-held secret service of the invention. The fourth figure is a case in which the security smart chip module and the S1M card are logically interfaced. The fifth picture is a safe and smart chip module, and the card can be implemented in the circuit interface. ', 57 200816068 [Key component symbol description] 1- Fair third party 11-handheld communication device transaction payment service platform (or "handheld communication device transaction payment platform") 111 - Handheld communication device transaction payment pair notarization database 2 Buyer (Consumer) 3- Seller (Business) • 4-Buyer Collection and Transfer Subject 41 - Buyer Identity Certification and Trading Condition Check Database 5 - Seller Collection and Transfer Subject 51 - Seller Identity Certification and Trading Condition Check Database 6 - Mobile Communications Service Provider 61 - Mobile Communications Telecom Network 7 - SIM Card _ 71 - SIM Card Chip 8 - Secure Smart Chip Core Group 8 81 - First Layer of Secure Smart Chip Module 8: Handheld Communication Device Connection Layer 811 - Security Intelligence Chip 812 - Security Smart Chip for Ultra-Thin Package 82 - Layer 2 of Secure Smart Chip Module 8: Circuit Interposer 9 - Handheld Communication Device 10 - Information Device (with Internet Access) 58

Claims (1)

Its 200816068 卜, the scope of application for patents: the method of the device as a payment device (referred to as the hand-held communication device transaction Γ Ben-Gou- (10) 咏 继 继 付 娜 (4) ^ payment service platform 'as both sides to perform payment actions and accept payment completed The witness system is divided into three stages: (1) The first stage: “The hand rides the wire to the ship, and it is expected that both parties must first apply to the contracted transfer entity to apply for the payment service of the handheld communication device. (2) The second stage: paying the tree (4) holding the wire delivery service, and switching to the service of the buyer and the seller using the handheld communication device for payment; (3) The third stage: hand-held communication device The clearing and sub-accounting of the transaction is mainly the clearing and sub-accounting of the hand-held communication device transaction accounting between the buyer and the seller and their contractual transfer recipients and the fair third party providing the payment service for the handheld communication device. Funds clearing mechanism such as appropriation. ★ The application method for payment of the handheld communication device mentioned in Item 1 of the application, wherein the buyer can purchase the products or use the services for payment. For the fee, the specific identity may be an individual, a natural person, a company, an organization, a group, or a legal person. 3_ The method for payment processing of a handheld communication device as described in claim 1, wherein the seller may sell the physical commodity The seller may be the provider of the service, and the specific identity may be merchant, store, individual, natural person, enterprise, organization, group, government unit or legal person. 0 59 200816068 4·If you apply for a patent The hand-held communication device transaction 彳, μ, the third party system can be a government unit, a company, an organization, a group, a gold H' Μ the fair heart, a notary unit, a thank-you, a liquidation calculation, an institution, a data exchange 5. In the case of applying for the payment method of the hand-held communication device described in the patent application, the payment-receiving entity (the financial unit of the buyer (such as the contract), the government unit , the person who is a member of the company or the legal person 6. If you apply for the payment method of the handheld communication device as described in item 1 of the patent application, the payment of the payment method for the hand-held communication device of the second agreement, the payment of the payment by the owner of the second party, the payment of the payment Unit, political solution, telecommunications service provider, enterprise order 7. For example, the method of paying for the handheld communication device as described in the application for patent 娜1, _ 八正third party's handheld communication device payment company _ center payment service platform Operation, and maintenance can be carried out by yourself or by other trusted units. For example, the method for payment processing of the handheld communication device described in the first application of the patent, in which the step-by-step: in the hand-held communication device, the secret payment service is required, the buyer must first apply to the buyer for the payment of the original payment. Handheld communication device transaction payment service, the application item is the payment service part. When the buyer transfers the payment to the buyer and asks for the payment service, it is necessary to make a suspicion of the buyer’s true identity (such as Mu Lin and his identity card), and the buyer of Shan is in a period of time (usually after the payment of two payments) The bottle of time, such as each of the above-mentioned hand-held communication devices, the upper limit of the payment of the parental payment (or "every period of the handheld communication device transaction payment limit of 200816068 for evaluation. After verifying the stomach material is correctly shot and paved, touch The combination of the buyer's true identity information and the electronic identity authentication media certification factor. 9. If the buyer's collection and payment transferer mentioned in item 8 of the Shenqing patent scope evaluates the limit on the transaction payment of the handheld communication device within the interval between the buyer and the payment, the buyer may check the other letter. History: All the debts are recorded, and their side_levels are evaluated. Or you can step-by-step check the buyer's new poverty or proof of income, proof of deposit, ... and other documents to assess the ability of Wei in the general situation after payment of their consumption. After buying the child to transfer to the county, after reviewing the various evaluations, you can find the upper limit of the payment between the two parties. 1〇·If the buyer's collection and transfer entity mentioned in item 8 of the patent application scope combines the buyer's true identity data with the electronic identity authentication media, the recognition may include various entities' secure electronic identity authentication media such as: Subscriber entity module card (including chip side card), security smart chip module or smart card (including the chip letter), the password key of the age (CwQ_e _, or provide only the buyer party You should be aware of the need to keep confidential feeds (such as the system's account number and password), or to establish biometric data (such as fingerprint identification or face recognition) that is sufficient to identify an individual. 11_If you apply for the patent scope, item 8 As stated, when the buyer of the f-party collects and pays the goods, the buyer shall apply for the payment of the service, and the materials shall be examined and verified. Each communication device of the Jingfang (4) combination of the factors of the transmission of the certificate, and the information of the (10) sunny and deadly objects When the deposit is made in the stomach, the actual implementation of the buyer's identity certification 200816068 payment and the shaft handheld rail device (4) payment limit inspection system in the handheld With the secret services of the payment infrastructure, directly by the person holding the third rail of justice ^ (iv) the pro-nuclear seam line 'stomach and feed points following each issue The relevant information of the device's parental payable limit and other relevant information shall be transmitted to the unbiased third party in a safe manner by the buyer before the buyer activates the handheld communication device transaction payment service. In the future, the second type of information and the buyer's contribution r ^ have been recorded as the peak of the € update; conversely, if the hand-held device is handed over to the secret service department, the first wooden structure is 'indirect (four) square generation transfer to the main body Execution is _ inspection, the county establishes the instant hand-held Λ Λ & & & 胃 胃 胃 胃 胃 胃 四 四 胃 胃 胃 胃 胃 胃 胃 胃 胃 胃 胃 胃 胃 胃 胃 胃 胃 胃 胃 胃 胃 胃 胃 胃 胃 胃 胃 胃 胃 胃 胃 胃 胃The actual execution of the buyer's identity shall be provided with the ability to immediately verify the identity of the identity transmitted by the buyer's handheld communication device or to derive the calculated identity. For example, the buyer's collection and transfer entity mentioned in item 8 of the scope of patent application evaluates the buyer's payment information on the payment of the payment __, and the buyer collects the transfer and the f The party may agree on the payment margin or advance payment that the buyer is required to pay, or the transaction performance fee, etc., to reduce the risk of bad debts and maintain the relationship between the parties' reasonable rights and obligations. The details of the implementation must be agreed upon by both parties. For example, the method for payment processing of the handheld communication device described in claim 1 of the patent application, wherein the step of using the step _step, # is to first transfer the main shot to the seller of the mosquito, please hold the hand of the Tasaki to lose the plum, t thing Careful bribe p>. f_Transfer the subject ^ party ^ This payment service, the seller must be verified and confirmed (such as checking the buyer and his identity card), and hand-held call for transaction payment (four) side credit 62 200816068 nuclear. The upper limit (or “called per-handheld device transaction payment” for the payment of the handheld communication device can be accepted by the seller during the period of time (usually the interval between the two payment settlement times, such as each month). "Upper limit"). Verifying the identity of the seller is correct ‘ After the financial and compliance, the combination of the true identity data of the party and the identity of the electronic identity recognition. 14. If the seller's collection and transfer transferor mentioned in item 13 of the patent application scope can evaluate the upper limit of the payment of the handheld communication device transaction within the time interval between the two payment settlements, Lu can check the seller's previous credit. Historical data and credit history records, assessing their credit rating. Or you can check if the buyer has a business-related prior record or a history of business disputes as needed to ensure that the seller or the seller of the service meets the basic credit terms of the merchant of the handheld communication device. Or you can further check the seller's salary or proof of income, proof of deposit, ... and other documents after the assessment, the ability to deliver the goods in the general form, the transfer of the subject, after the integration of the above-mentioned nuclear, if f Fangzhi-Cut (4) meets the requirements, and # approves the seller to become a legal hand-held communication device transaction payment merchant. It is also possible to assess the interval between the pre-existing readings and the _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ 15_If the seller's collection and transfer entity mentioned in item 13 of the patent application scope combines the seller's real eight-time material with the electronic identity certification media certification factor, the certification factor is the same as the statement of the 10th item of the application. Light 1 16· As stated in item 13 of the scope of application for patents, the party that collects the payment of the party shall, when the seller declares the service of the payment, shall verify the true identity of the seller and evaluate the credit of the party: It is necessary to evaluate the limit on the transaction payment of the handheld communication device for each period. Passed verification: 63 200816068 The establishment of the seller's identity and the authentication factor will be combined with the assessed seller's acceptance of the handheld communication device transaction payment limit for each period, etc., and need to be stored in the handheld communication device = - payment" actual immediate execution of the seller Identity certification, for the seller's collection side record and each period of the system that can accept the payment of the special communication device transaction limit. If the system structure of the hand-held rail device transaction payment service is directly executed by the fair third party's handheld communication device, the seller's identity authentication and each period of the handheld communication device can be accepted. The relevant information such as the quota must be transmitted to the handheld third party's handheld communication device transaction payment platform in a secure manner by the seller to enable the handheld communication device transaction payment service, and will be used in the future. The information and the seller's receipt credits = linkage maintenance update; conversely, if the system structure of the handheld communication device transaction payment service is indirectly sold by the _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ The payment platform transmits the identity authentication information sent by the seller's handheld communication device to the sales organization. The authentication mechanism of the body is required to have the identity authentication factor that can be verified by the seller's handheld communication device. : Miscellaneous features. In the case of the seller's credit rating for the payment of the transaction of the handheld communication device mentioned in item 13 of the special machine, the seller may collect the guaranty certificate or prepayment, or the material, between the sender and the seller. In the event that a dispute arises and is attributed to #方方, and the seller fails to make compensation for the objective conditions, the seller may confiscate the deposit by the transfer entity, or directly deduct the mine from the gold As a compensation to the buyer. The implementation details are agreed upon by both parties. 200816068 18·Using the patent method of the hand-held communication device described in Item 1 of the patent, in which the second stage of the == implementation of the handheld communication device transaction payment service during the transaction, the buyer and the seller immediately use the handheld communication device The main steps of the transaction payment service are as follows: () Bayer’s hand-held §fl device transaction payment: the buyer uses the handheld communication device communication to make a transaction payment execution request to the impartial third party who provides the handheld communication device transaction payment service; 2) Selling the postal mailing and payment, selling the tree ship or the Internet information« and getting the fair third party to provide this f party has executed the transaction for the seller itself, the seller itself and accepts f party's transaction payment is confirmed to reply to this fair third party; Ο Ο the buyer has confirmed that the payment has been received. · The buyer then obtains the fair communication by the handheld communication device. The third party provides the transaction payment accepted by the seller. The message to confirm that the payment for the transaction has been completed. Or provide a buyer's electronic receipt (such as a newsletter) by a fair third party or provide a transaction completion message by voice call. 19. The steps as described in claim 18 (1) The buyer performs a hand-held communication device transaction payment, which includes the buyer having to first use the handheld communication device to authenticate the identity of the payment platform through the handheld communication device, and then perform the handheld communication device transaction. payment request. The buyer uses the handheld communication device to send Wei Wei money to the secret platform for authentication. The buyer is selected according to the buyer’s user’s request to the buyer for the payment service. The handheld communication device transaction payment service platform checks that the buyer has previously The information about the user identity authentication of the buyer and the limit information of the transaction payment of each handheld communication device served by the receiving and transferring entity, and 65 200816068 verifying the identity authentication message delivered by the handheld communication device by the corresponding authentication method. The buyer executes the transaction payment request through the _Taiwan New ' 透 装置 device, and the handheld communication device transaction payment platform checks the accumulated hand-held communication device transaction payment (including the post or the buyer’s trajectory device) If the mosquitoes are allowed to execute the transaction payment, if the maximum limit is not exceeded, the handheld device transaction payment platform will respond to the random transaction identification number, and the buyer will then use this number (or the buyer’s The handheld communication device number) tells the seller. For example, the steps described in item 18 of the patent application scope (2) the seller accepts the payment for the transaction of the handheld communication device, which includes the seller’s first use of the handheld communication device to authenticate the identity of the payment platform through the handheld communication device, and the bribe to continue to operate the axis coffee _ (4) The method of using the handheld communication device to connect to the _ handheld communication device _ platform for authentication is based on the seller’s user’s payment to the seller for the payment of the payment service, and the handheld communication device’s parent payment service platform has checked the wire. The user identity of the seller served by the transfer entity "Calculation +_ (4) Following the above-mentioned online hiring tears _ Qian, the dumping of the platform can be "selling the sale of the U-party railing device Μ payment terms Check (for example, 'Whether the buyer can accept the limit on the payment of the transaction of the handheld communication device in each period, if the quota has passed the check, 'fw lose this _ her_party's hand_device number) 4 money, do you really have this transaction? The buyer promised a payment record and confirmed that the trading time and the gold jaw were correct. The money is correct, and the information is added to the device or the information that can be picked up (if it exists), and the identity of the handheld communication device is verified. After the seller has passed the certification of the trading platform, he or she can input the same payment option through the handheld communication device or send the payment payment message to the handheld communication device transaction payment platform. -A, as described in item 18 of the towel outline (3) π confirm that the seller has accepted the payment, ▼ Xinfang Silk through the track reading device to inquire that the party has accepted the way of accepting the hand-held reduction transaction. #疋以贝方破The electronic receipt or voice sent by the trading platform is accepted. The former buyer actively inquired about the way of the transaction message, mainly because the inquiry provided by the party to the payment platform of the fair second party has been accepted by the seller. The work of the company has been accepted by the seller. The latter is a way for the buyer to passively receive the father's interest, mainly after the buyer completes the operation of accepting the buyer's handheld communication device transaction payment, the buyer's handheld communication device can receive the payment service platform of the fair third party. The newsletter informs the seller that the payment has been accepted by the seller. The buyer can save this newsletter for proof of electronic receipts that have been paid for this transaction. 22. The method for payment processing of a handheld communication device as described in item i of the patent application scope, wherein the first step of the transaction is to clear and divide the account, including three parts: (1) (four) stomach Liu _ paste and continue to slap the payment. The first party shall collect and transfer the transaction payment between the transfer entity and the seller's hand-held communication device. () Bay-side and stomach-side transfer to the body _ Hand-held rail device (4) Liquidation and appropriation of payment 0 (4) The second part of Li Qing 22, (1) The buyer and the buyer collect and transfer the subject between the hands, The noisy stomach party can transfer the payment between the two parties (such as setting a contract), standardize the purchase of the domain _ _ _ before and after 67 200816068 set the father to pay, the object of payment is to settle with the two payments _ hand-held The communication is installed by the buyer of the contract. The buyer pays the block carefully and transfers it from the handicapped person to the stomach. _Transfer ^ Lai, Fangjiao I hold the communication package to pay for the face, the face needs to be solved as the first month of the month! ^1 device乂Easy-to-recognize the foreign party to send the transfer agent every other period (for example, every == days) to take the initiative to notify (such as by email, newsletter or written mail), or provide _ certification of the sunny query m嶋 (four) Project, and how many hands to pay in the shore _ device transaction payment _ Fangzhi handheld communication device delivery amount) r When the dismissal of the "(4) bill, can be hand-held communication, 贞 转 1 1 The payment is completed a few days ago. If both parties have an agreed handling fee, or the Wei_Compulsory shed, they will also be in accordance with the agreed method. 24 If the patent application scope is 23rd, ^^, and the Bayer, the Bayer collects the transfer entity. Between the rules and regulations, Beifang should pay as scheduled to pay off the hand-held communication device within the time interval between the two payment settlements. _, there may be a township, a coffee, a stomach and a coffee, and a limited number of positions. Sub-payments - all hand-held communication device transactions in the period (such as each month) are paid, or only the minimum ship money (the remaining money) Or, if the financial payment is to be paid, it is also subject to the 'monthly person's payment. The conditional conditions (such as the additional interest) for paying only the minimum amount of the parent's payable amount or installment payment may be agreed by both the buyer and the buyer on behalf of the transfer entity. If the first part of the scope of claim 23, (1) the buyer and the buyer collect the transfer of the hand-held rail device (4) payment, if there is a need in practice, in addition to the buyer, the buyer collects the transfer 68 200816068 pays the main body, _ The fair third party or other payment mechanism of Lai's auxiliary payment service, she may also expand the target of her body. = With the mosquito line (9), you can record the miscellaneous model to pay the father's handheld communication. Device transaction payment, for example, in the form of billing for consolidation of other services = directly deducted from the deposit balance or pre-deposit of the buyer's deposit account. The specific implementation of the extension can be implemented, for example, the payment amount of the handheld communication device transaction Merged into the credit account in the middle of the 'by the stomach skills, fine Zhe Na is still set to pay the fee ^ or Jinger (four) to buy Xie Qi follow the communication fee account in the morning ... and so on. The above-mentioned extension of the payment mode to buy The party is unable to pay the current hand-held communication device (10), and the side tree buyer collects and transfers the two parties to agree on the norm. If you apply for the second part, the second part, (2) The third party, the buyer collects the transfer entity ^ 胄 ^ Wei tear domain resigns the rails to install the secrets of the materials and dials 2 'to the Bay side for the rest of the handheld communication device transaction money for the handheld communication device transaction Generation _ pay line 'on behalf of the payment of the rail device m to the main body of the party is the handheld communication device mm side to hide the domain. The stomach child to pay the main body, operating hand-held full-time placement (four) models of the public shirt three and #方 hiding Between the three parties to the transfer, you can scoop (such as the μ contract) at every other touch (for example, the first few days of the month), thereby justifying the third party to settle the hand-held rail device accumulated by the #_费After the amount of μ, the individual consumption data are 'incorporated and distributed, and then distributed to the sellers corresponding to the respective exchanges. 69 200816068 Hand-held overnight device transaction payment@@对的崎崎杜崎), ^嶋__ Material (including its handheld stomach transaction from 4 Bayer's agreed handheld communication device transaction &quot ; Then, the handheld communication device is handed over to the main body by (4). The fair third party that transfers the main two-ease payment service is also required to provide the seller's collection of the payment details of the handheld communication device accepted by the buyer of the 4/疋, and the accounting for the payment by the seller. Transfer to this buyer's face to pay ___. Transfer to the right _ party has an agreed handling fee, or other matters related to the processing of rights and obligations, also in accordance with the agreed method: 7 · such as the application of the axis 22 峨 抑, (3) 胄 方 方 代 代 ❿ ❿ 7 = (4) Nen Qi, the communication device transaction, the implementation of the Beifang on behalf of the turn _ phase can ride (such as slave contract), the shirt on behalf of the hand thin shirt after the four (four) _ surplus transfer ': 乂 easy payment 'payment of the object is the seller with it . The beneficiary of the beneficiary transfer must be obtained by the impartial person who manages the payment service of the handheld communication device. (4) The hand-to-hand weaving secrets accepted by the party in the current period: The fiber is given to the fk. For example, the hand-held communication device transaction payment seller can collect the payment subject according to actual needs, the seller of the disk _ every other period of the side of the _ _ _ _ _ ^ alkali " face mail, etc., or provide a network to be certified Inquiries, so that the seller can hold the Γ 继 继 继 继 继 继 继 继 继 继 继 继 继 继 继 继 , 。 2008 。 2008 2008 2008 2008 2008 2008 2008 2008 2008 2008 2008 2008 2008 2008 On the right and on the other hand, there is a contractual fee. If there is a need in practice, in addition to the seller, the seller collects the transfer entity, it is still necessary to provide a contract for the transaction of the communication device, such as a fair third party or other relevant mechanisms of the payment mechanism (such as a contract). The object of this convention can also be expanded. 71