200842742 九、發明說明·· 【發明所屬之技術領域】 本發明是有關於遞延性商品之票證系統，特別是指一種應 用於遞延性商品或服務且可有效確保消費者權益之票證統二 【先前技術】 “、 隨著社會形態的多元化’人類生活上的商業行為亦隨之逐 漸複雜化，伴隨著消費模式的多樣化轉變，傳統一手交錢、一 手父貨的「銀貨兩訖」交易模式已難以滿足現代商業行為之需 求’有愈來愈多的交易形態是消費者於付出金錢時，無法同時 取得對等之商品或服務’而必須由接受消f之縣於—定期限 内以多次方式逐-分期實施服務或提出對等之商品，此即目前 極為晋遍之「遞延性商品或服務」交易模式； 然而’上述「遞延性商品或服務」之消費模式，其由於消 費者於交易之同時，即需付出該商品或服務完整價值之金錢， 但接受消費之商家在分期實施服務或提出對等商品之過程 中，卻有許多外在因素會影響其履約之完整性，如此—來，對 於先付款之消費者權益明顯缺乏有效之保障，而目前之法令 卜亦缺乏對於上述無法履約時之解約程序相關完整規範，因 ^對於消費者而言，確已處於不平等的交易地位，實有加以 ? 文進之必要。 點，發性商品或服務之消費模式有上述之缺 【發^内容】些缺點研歧進之道，終財本發明產生。 5 200842742 =發明之主要目的在於提供—種遞延性商品之旱證系 ϋ於消費者與交易之商家解約或商家無法履約時，提供 有效可仃且完整之退費機制，以確保消費者之權益。 本發日^達成上述目的及魏’其所採行的技術手段包 ^交易流程’其係使消費者經由信用卡消費程序於特 、力商店購讀定遞延性商品或服務，絲得—儲存有交 之儲值卡’同_交㈣訊並可由—外部客觀具公信力之^ 服務機構情該筆交易之應付款，則會被=200842742 IX. INSTRUCTIONS · TECHNICAL FIELD OF THE INVENTION The present invention relates to a ticket system for deferred goods, and more particularly to a ticket application for deferred goods or services that can effectively ensure consumer rights. [Previous technology] "With the diversification of social forms, the business behavior in human life has gradually become more complicated. With the diversification of consumption patterns, the traditional "hands-on" of one-handed money and one-handed parent goods The trading model has been difficult to meet the needs of modern business practices. 'There is an increasing number of trading forms in which consumers cannot obtain equal goods or services at the same time when they pay money'. Implementing services on a phase-by-phase basis or in a number of ways, this is the “deferred goods or services” trading model that is currently highly popular; however, the consumption patterns of “deferred goods or services” above are Since the consumer pays the full value of the goods or services at the same time as the transaction, the merchant accepting the payment implements the service or proposes in stages. In the process of reciprocal goods, there are many external factors that affect the integrity of their performance. As a result, there is a clear lack of effective protection for the consumer rights of the first payment, and the current law is also lacking. The complete specification of the cancellation procedure, because the consumer is indeed in an unequal trading position, it is necessary to do it. Point, the consumption pattern of hair products or services has the above-mentioned shortcomings [fat ^ content] some shortcomings to study the difference, the final wealth of the invention. 5 200842742 = The main purpose of the invention is to provide a drought certificate for deferred goods. When the consumer and the merchant of the transaction cancel the contract or the merchant is unable to perform the contract, an effective and complete refund mechanism is provided to ensure the consumer. rights and interests. On the date of this issue, the above-mentioned objectives and the technical means adopted by Wei's are included in the transaction process, which enable consumers to purchase deferred goods or services at special stores through credit card consumption procedures. Have a stored value card 'same as _ (four) news and can be - external objective with credibility ^ service organization, the transaction of the payment of the transaction, will be =
於-外部客狀付款保證储_定之指定帳戶；—消費流 程’其係由該特約商店讀取前述儲值卡内之儲存資料，並於$ 費，成後扣抵該㈣費之·，_票證服務機觀錄並通知 付款保證銀行㈣費款項提撥於_商店之指定帳戶中；一解 約流程’其係由該票證服務機構整理該特約商店之單筆退貨或 整體未^_細’並通知該付款條蹄將其餘麵入特約商 店之收單;^構’由该收單機構依信用+消費退貨程序撥款至發 卡機構，再由該發卡機構將款項存人消費者之侧卡帳戶内: 至於本發明之詳細構造、應用原理、作用與功效，則參照 下列依附圖所作之說明即可得到完全的瞭解： 【實施方式】 第1圖係本發明之交易流程圖，由其參照第2圖之逐次消 費流程圖及第3圖之解約流程圖，可以很明顯地看出，本發明 之疋整系統流程主要係由：一刷卡交易流程A、一消費流程及 一解約流程所組成，其中該刷卡交易流程A (如第丄圖所示） 包括··一「刷卡購買遞延性商品或服務」步驟丄〇丄，由消費 者於特約商店中以信用卡消費程序購買特定遞延性商品或服 200842742 務’ n是否核發授權碼」步驟工0 2，由發卡機構判斷 該信用卡之有效性，若為「否」，則碰—「查核是否接受^ ί驟」/η ? 「省二本夂父易’而若該「是否核發授權碼」 广驟102、聽疋否接受刷卡」步驟1171中之一為 「是」’則經由-「完成刷卡購買程序」步驟_ 「於 =彳=^^」侧可於= ^成雜付-存有父„訊（如：有效驗、可;肖費 金頜等）之儲值卡，同時可經由一「存 、 使該交易資訊並可由-外部客觀具公‘之s」^服^^ 驟1 〇 6，向其收單機構請款，該收單機構經一^^子」杳步 ^ 1 0 8'^ 广於15，以該撥款」步驟115配合-「儲 存於、力疋之指示帳戶」步驟i i 6 々 f觀付_銀行約相旨示帳戶内，而「向 步驟1 0 8則經由發卡機構以一「 J構广人」 款」步驟⑴，該「撥款」步驟 =該交易款項)提撥至收一 冲帳」步驟1 i i，而「向消費者請款」步驟工 ^卡機構轉㈣費者請款，經—「繳款」步驟i 待、肖 =該次交易款項之後，由該發卡機構進行一以 而該消費流程則包括··“「讀取儲值卡上之儲存資料」步 7 200842742 •^2 0 1及疋否於有效期 、 步驟2 0 2，2 === 一，若為「否」，則：二ΐ 則直接進入「停止消費」步驟21〇, ’而若為「是」，則表示料者願意再次購 回到「讀取館值卡上之館存資料」步驟2 二， Γ有效期限内且剩餘金額大於消費金額」步驟=二ί :果為，，則以-「輸入_雜卡消 1 ’亚於為費完成後進行-「於儲值卡上扣除本次 口 2^5’以「完成消費程序」步驟2〇6，此時，該^ ^貧訊會被雜至該細_構’經—「記賴扣抿該S 費貧枓，亚提出撥款通知」步驟2〇7，以通知該付_ 行執行-「依撥款通知撥款」步驟2 〇 8，最後，一堵存^ =店之帳戶」步驟2 0 9，可使該消費金額被轉入特約商 店之帳戶， 該解約流程另包括·· -「是否為㈣者主動提出解約」步 驟30 1，若為「是」，則由該特約商店進行—「讀取 上之儲存資料」步驟3 〇 2及-「是否於有效期限内且有剩 料費金額」步驟3 0 3，若判斷為「否」，則表示無剩餘金 頜，則無退費之需求，而若判斷為「是」，則進行一「輪入宗 碼使用儲值卡」步驟3 Q 4及-「儲值卡上剩餘金额歸，|〇，， 步驟3 0 5，以使該儲值卡喪失再次使用之功效，以執行「^ 成解約程序」步驟3 0 6，然後，經一「記錄該筆退貨資^ 8 200842742 步驟3 0 7，由該票證服務機構接收上述特 貨資料同時對該付款保證銀行 明細，並繼====物响行-「記錄 單機構，由該收單機構八別="「8 ’將該退費金額撥入收 處理」步驟 之判斷為&疋否為韻者主動提出解約」步驟3 01 :5 戒==== -飞服務，右為「是」，則執行「整理 約明細’並提出撥款通知」步驟 續步驟由二 ：：：：^ 1 〜、商店疋否確實紐履約」步驟3 =顧「否」，則表示並未有無法履約之情事，所以無 確保系統確實可有效. 及進步性。 ^ I 貞具有產業上之利用性、新穎性 爽ρρ所返者，僅為本發明之—較佳實施例而已，並非用 ，凡依本發明申請專利範圍所作之 句專、又化雜飾’皆為本發明專纖_涵蓋。 9 200842742 【圖式簡單說明】 第1圖係本發明之交易流程圖。 第2圖係本發明之逐次消費流程圖。 第3圖係本發明之解約流程圖。 【主要元件符號說明】 101.. .刷卡購買遞延性商品或服務 102.. .是否核發授權碼 103.. .完成刷卡購買程序 ⑩ 104...於預設儲值卡上儲存購買資料 105.. .存檔列管 106.. .定期整理帳單請款 107、109··.帳單存查 108.. .向發卡機構請款 110、 115..·撥款 111、 114·· ·沖帳 _ 113...繳款 112.. .向消費者請款 116.. .儲存於約定之指示帳戶 117.. .查核是否接受刷卡 118.. .無法交易 201.. .讀取儲值卡上之儲存資料 202.. .是否於有效斯限内且剩餘金額大於消費金額 200842742 203·..疋否再次購買遞延性商&或服務 204. .·輸入密碼使用儲值卡消費 205. ·.於儲值卡上扣除本次消費金額 206· ··完成消費程序 207. ··記錄並扣抵該筆消費資料，並提出撥款通知 208· ··依撥款通知撥款 209· ··儲存於特約商店之帳戶 210· ··停止消費 301· ··是否為消費者主動提出解約 302. ··讀取儲值卡上之儲存資料 303···是否於有效期_且有剩餘未消費金額 304· ··輸入密碼使用儲值卡 305· · ·儲值卡上剩餘金額歸，，〇，， 306· ··完成解約程序 307…記賴筆退貨#料，並提出撥款通知 308· ·.記錄明細，並依撥款通知撥款 309· ·.記錄明細^並依退貨程序處理 310...退款 311· · ·儲存於消費者之信用卡帳單内 312···特約商店是否確實無法履約 313···整理雜約商店之未履㈣細，並提出撥款通知In the - external customer payment guarantee storage _ fixed designated account; - consumption process 'by the special store to read the stored data in the stored value card, and in the $ fee, after the deduction of the (four) fee, _ The ticket service machine observes and informs the payment guarantee bank (4) that the fee is paid in the designated account of the store; the cancellation process is that the ticket service organization sorts out the single return of the special store or the whole is not ^_fine' Notifying the payment slip to place the rest of the receipt into the special store's receipt; the structure is allocated to the card issuer by the credit institution + credit return procedure, and the card issuer deposits the money into the consumer's side card account For the detailed structure, application principle, function and effect of the present invention, a complete understanding can be obtained by referring to the following description according to the accompanying drawings: [Embodiment] FIG. 1 is a transaction flow chart of the present invention, and reference is made to the second The flow chart of the successive consumption of the figure and the flowchart of the cancellation of the figure 3 can be clearly seen that the process of the system of the present invention mainly consists of: a card transaction process A, a consumption process and a cancellation process. Cheng, wherein the card transaction process A (as shown in the figure) includes a step of "purging a deferred goods or services by credit card", and the consumer purchases a specific deferral by a credit card consumption program in a special store. Sexual goods or service 200842742 'n issuance of authorization code' step 0 2, the card issuer determines the validity of the credit card, if it is "no", then touch - "check whether to accept ^ 骤 」" / η ? If the "Issues the Authorization Code", if the "Issuance of the Authorization Code" is wide, 102, if you accept the card, "One of the steps 1171 is "Yes"", then the "Complete the Card Purchase Procedure" step _ "于=彳The =^^" side can be stored in the = ^ miscellaneous - the existence of the parent (such as: valid test, can; Xiao Fei Jinjiu, etc.) of the stored value card, at the same time through a "save, make the transaction information and can -External objective public s"^ service ^^ Step 1 〇6, ask for the payment from the acquiring institution, the acquiring institution passes the ^^子" step ^ 1 0 8'^ is wider than 15, to "Appropriation" Step 115 is in conjunction with - "Save in and instructed account" step ii 6 观f pay _ bank agreement with the account, and "Step 1 0 8 through the card issuer to a "J-wide" section (1), the "Appropriation" step = the transaction amount) to the receipt of a charge" step 1 ii, and "to the consumer The payment process is carried out by the card manager. The payment process is followed by the payment process. After the payment is made, the payment is made by the card issuer and the consumption process includes “· Read the stored data on the stored value card" Step 7 200842742 •^2 0 1 and 于 No in the validity period, step 2 0 2, 2 === 1 If “No”, then: 2ΐ directly enter “Stop” "Consumer" step 21〇, 'If it is "Yes", it means that the material owner is willing to buy back to the "Reading the library information on the library value card" step 2 2, within the validity period and the remaining amount is greater than the consumption amount" Step = 2 ί: If the result is, then - "Enter _ Miscellaneous 1" is done after the completion of the fee - "Deduct the current port 2^5" on the stored value card to "Complete the consumption procedure" Step 2 〇6, at this time, the ^^ poor news will be mixed to the _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ 7. In order to notify the payment _ line execution - "According to the appropriation appropriation" step 2 〇 8, finally, a deposit ^ = store account" step 2 0 9, the amount of the purchase can be transferred to the account of the special store, The cancellation process further includes: · "Whether the (4) person initiates the cancellation of the contract" Step 30 1. If it is "Yes", then the special store performs - "Read the stored data" step 3 〇 2 and - "Whether If there is no remaining gold jaw, there is no demand for refund, and if it is judged as "yes", then a "round" is made. Enter the code to use the stored value card" Step 3 Q 4 and - "The remaining amount on the stored value card, |〇,, step 3 0 5, in order to make the stored value card lose the effect of re-use, to execute "^ into the contract Procedure" Step 3 0 6, then, after a record of the return of the payment ^ 8 200842742 Step 3 0 7, the ticket service agency receives the above-mentioned special goods information and at the same time guarantees the bank details of the payment, and then ==== Ringing - "recording agency, by the acquirer eight different = " "8 ' the refund amount The judgment of the “receipt processing” step is & 疋 No, the rhyme initiates the cancellation. Step 3 01 : 5 戒 ==== -Fly service, right is "Yes", then execute "Finishing details" and make a notice of funding Steps continue from 2::::^ 1 ~, the store is not sure to perform the contract. Step 3 = "No", it means that there is no unfulfilled situation, so there is no guarantee that the system can be effective. . ^ I 贞 has industrial applicability, novelty, and is only the preferred embodiment of the present invention, and is not used, and the sentence according to the scope of the patent application of the present invention is specialized and miscellaneous. All are the special fiber _ covered by the invention. 9 200842742 [Simple Description of the Drawings] Figure 1 is a flow chart of the transaction of the present invention. Figure 2 is a flow chart of the successive consumption of the present invention. Figure 3 is a flow chart of the present invention. [Main component symbol description] 101.. . Swipe to purchase deferred goods or services 102.. Whether to issue the authorization code 103.. Complete the credit card purchase procedure 10 104... Store the purchase data on the preset stored value card 105 .. . Archive column 106.. . Regularly arrange bills for payment 107, 109 ··. Bills check 108.. . Requests to the card issuer 110, 115..·Appropriation 111, 114··· 113...Payment 112... Reimbursement to the consumer 116.. . Stored in the agreed instruction account 117.. Check whether the card is accepted. 118.. Unable to trade 201.. Read the stored value card Store the data 202.. . Whether it is within the valid limit and the remaining amount is greater than the consumption amount 200842742 203·.. 疋 No purchase of the deferred merchant & or service 204. .. Enter the password to use the stored value card to consume 205. Deducting the current consumption amount on the stored value card 206···Completing the consumption procedure 207. · Recording and deducting the consumption data, and proposing the funding notice 208···According to the appropriation notice 209···Stored in the special store Account 210 · · · Stop consumption 301 · · Whether to actively propose a cancellation for the consumer 302. · Read the storage on the stored value card Whether the data 303··· is in the validity period _ and there is the remaining unconsumed amount 304···Enter the password using the stored value card 305· · The remaining amount on the stored value card is returned, 〇,, 306··· Complete the cancellation procedure 307 ...Record the pen return #料, and put forward the appropriation notice 308 · ·. Record details, and according to the appropriation notice 309 · ·. Record details ^ and according to the return procedure 310 ... refund 311 · · · stored in the consumer In the credit card statement, 312··································································