201201125 六、發明說明： 【發明所屬之技術領域】 [0001] 本發明係有關一種利用通訊設備之即時付款服務方去 藉以增加交易付款方便性，並維持交易之安全性。 [先前技術】 [0002] 隨著電腦及通訊科技之快速發展，其影響已逐漸深 •各 種之交易型態，因此以現金消費已經不是唯—的選擇 透過信用卡' 晶片電子錢包（Visa Cash)等塑膠卡片 因無需以現金直接交易，可免去隨身攜帶現金的困擾， ^ 使消費者能夠快速且方便地購物，也提高了消費者構買 能力及商家交易的成交量。以晶片電子錢包為例，透過 在每張儲值卡内的微晶片儲存金額，結帳時，只要將其 插入商家的讀取機即可，而收銀員可輸入靖費者之交易 金額，經消費者確認後即自動由卡片之餘額中扣除便 可完成交易。 [0003] 前述之交易方式雖可達成免攜帶現金之不便，但在交易 〇 時，由於信用卡等係為一小型的電子儲存媒體，故無法 完全避免為別人盜用之負面影響，也間接造成各大銀行 的龐大刷卡呆帳無法消除，對於商家來說亦無法完全只 由卡片上簽名來判定消費者是否即為原卡持卡人，由於 盜刷狀況防不勝防，對於這樣之事件，持卡人也只能靠 自己謹慎注意以免造成極大之損失。 [0004] 此外，目前各大無線電信公司藉著手機普及之便，而針 對WAP手機發展出一行動銀行，即可直接利用手機上網購 物，並且透過手機帳單或是透過信用卡來付款，但是這 099121326 表單編號 A0101 第 3 頁/共 19 S 0992037576-0 201201125 2付款方法@然方便，但是僅佩於特定之網路商品 ,、，對於大多數人來說該消費模式並不足以吸引消費 因此目前業界有將RFID之射頻識別技術整合在手機上 =曰曰片上的作法，透過儲存於晶片内之金額，結帳時， 要透過感應方式即可由晶片之餘額中扣除如美國星 =克储值卡結合iphGne手機，手機用戶只要下栽應用程 ^可直接從手機查詢餘額、加值付款，而日本时丁201201125 VI. Description of the Invention: [Technical Field of the Invention] [0001] The present invention relates to an instant payment service provider using a communication device to increase the convenience of transaction payment and maintain the security of the transaction. [Prior Art] [0002] With the rapid development of computer and communication technology, its influence has gradually deepened into various transaction types. Therefore, cash consumption is no longer the only choice through credit card 'Visa Cash, etc. Plastic cards do not need to be directly traded in cash, so they can avoid the trouble of carrying cash with them. ^ Enable consumers to shop quickly and conveniently, and increase the purchasing power of consumers and the transaction volume of merchant transactions. Taking the chip e-wallet as an example, by storing the amount on the micro-chip in each stored value card, it is only necessary to insert it into the reader of the merchant when the checkout is made, and the cashier can input the transaction amount of the fee-payer. Once the consumer confirms, the transaction is automatically deducted from the balance of the card. [0003] Although the aforementioned transaction method can achieve the inconvenience of avoiding cash carrying, in the case of a transaction, since the credit card and the like are a small electronic storage medium, the negative influence of theft on others cannot be completely avoided, and the major indirect The bank’s huge credit card can’t be eliminated. It’s impossible for the merchant to sign the card to determine whether the consumer is the original card holder. Because of the piracy, the cardholder is only able to prevent such incidents. You can be careful to avoid causing great losses. [0004] In addition, at present, major wireless telecommunication companies have developed a mobile bank for WAP mobile phones by popularizing mobile phones, and can directly use mobile phones to shop online, and pay by mobile phone bills or through credit cards, but this 099121326 Form No. A0101 Page 3 of 19 S 0992037576-0 201201125 2 Payment method@ is convenient, but only for specific Internet products, and for most people, the consumption pattern is not enough to attract consumption. The industry has integrated the RFID radio frequency identification technology on the mobile phone. The amount stored in the chip can be deducted from the balance of the chip by the inductive method, such as the US star = gram value card. In combination with the iphGne mobile phone, mobile phone users can simply check the balance and value-added payment from the mobile phone by simply downloading the application.
Doc〇M〇則於2004年率先推出電子錢包手Doc〇M〇 first launched the e-wallet hand in 2004
Felir m〇de aj的服務，手機應用涵蓋大眾交通運輪商店小 額支付與飲料販賣機使用，又，在中國，中國移動、中 國電信及中國聯通紛紛推出RF_SIM服務，透 =一換卡不換*的方式，實現手機之= 此棱供費者更多之消費選擇。然而錢易雖然方便 ’使用者卻必須擔負手機遺失時，遭到盜用之高風險， 同時交易雙方皆有對硬體/軟體之依賴性，應用範铁 受到限制。 … . ... 【發明内容】 [0005] [0006] [0007] [0008] 099121326 本發明之主要目的係提供—種洲通訊設備之即時付款 服務方法’藉以增加交易付款方便性，並維持交易之— 全性。 女 為達上述之目的，本發明—種通訊設備之即時付款服務 方法，當用於購物端消費時，包括以下步驟： a. 於通訊服務業麵提供之—即時付款服務平台上，建 立有消費者之身份識別資料； b. 消費者所購買之商品，於蹲物端結帳時 表單編號A0101 第4頁/共19 w 边I肩費 ' 0992037576-0 201201125 [0009] [0010] Ο [0011] [0012] Ο [0013] [0014] 者之行動通訊設備或購物端所設之通訊設備，向上述之 即時付款服務平台確認購買之事實； c.即時付款服務平台首先判別消費者之行動通訊設備或 購物端所設之舰設備的話號，若為;肖#者之行動通訊 設備話號，舰行步小若_物賴設之通訊設 備話號，則進行步驟e、f ; d·消費者透過行動通訊設備撥號至即時付款服務平台並 輸入消費訊息’即時付款服務平台核對無誤後，再撥打 電活至購物端所設之通訊設備，授權該購#端結帳處理 > e.購物端透過賴之通訊設備撥號至㈣付款服務平台 ’並輸入消費訊息’經即時付款服務平台核對無誤後， 取得該即時付款歸平台讀權後，再騎結帳處理， 並同步通知即時付款服務平台；以及 f·該筆消費金額透過即時付款服務平台以“訊服務帳單 、電子錢包、銀，綱、洲卡代缴等方式完成繳款或 扣款β 實施時’該即時付款服務平台係包括自動化處理或透過 客服人員來處理上述之流程。 實施時’該消費者透過行動通訊設備所輸人·;肖費訊息包 括消f者之身份識別資料、消費金額與商店代碼/話號， 該構物端所輸入消費訊息包括消費金額與消費者付款帳 號0 099121326 表單編號A0101 第5頁/共19頁 0992037576-0 201201125 [0015] 實施時，更包括該即時付款服務平台與消費者之尸 份確認步驟。 1的身 [0016] 實施時’於步驟e中’該即時付款服務平台收到 。 透過所設之通讯設備撥號通知時，即撥打消費 通訊設備話號與消費者確認身份識別資料 之仃動 物端進行結帳處理。 拽權鱗 [0017] 實施時’該即時付款服務平台接收到購物端結帳處理 訊息後，可透過簡訊方式發送靖物完成訊息至消 之 行動通 1 訊設備。 之 [0018] 又，消費者用於非講物端消費時，其包括以下步驟： [0019] A.於通訊服務業者所提供之一即時付款服務平台上 立有消費者之身份識別資料； ’建 [0020] B.消費者透過-通訊設備撥號至即時付款服務平台並輪 入消費訊息； 1 ... ： 」：. [0021] C.即時付款服務平台核對建置麵.款服務平台十之 消費者之身份識別資料’無誤後，再授權結帳處二； [0022] D.該筆結帳金額透過即時付款服務平台以通訊服務帳單 、電子錢包、銀行轉帳、㈣卡代繳等方式完成缴款或 扣款。 [0023] 實施時，該消費者透過通訊設備所輪^肖㈣息包括消 費者之身份識別資料、消費金額與消費代碼’而該消費 代瑪係包括瓦斯費、電話費、水電費等機關代碼。 [0024] 099121326 實施時，該即時付款服務平台係包括自動化處理或透過 表單編號A〇101 第6頁/共19頁 0992037576-0 201201125 客服人員來處理上述之流程。 [0025] 實施時，該通訊設備係包括有線電話與無線通訊電話。 【實施方式】 [0026] 請參閱第1、2圖，圖式内容為本發明通訊設備之即時付 政服務方法之一實施例。 [0027] 本發明通訊設備之即時付款方法，主要包括以下步驟： [〇〇28] &於通訊服務業者所提供之一即時付款服務平台上，建 立有消費者之身份識別資料； [0029] b ·消費者所講貝之商品.，...於購物端結帳時，可透過消費 者之行動通訊設備或購物端所設之通訊設備，向上述之 即時付款服務平台確認購買之事實； [_ e.㈣付款服務平台首先制㈣者之行動通訊設備或 購物端所設之通訊設備的話號，若為料者之行動通訊 設備話號，則進行步驟d、f，若為靖物端所設之通訊設 備話號，則進行步He、f ; 剛d"肖費者透過彳了動軌設備㈣至即時付款服務平台並 輸入'肖費訊息，即時付款服務平台核對無誤後，再撥打 電話至購物端所設之通訊設備，授權該購物端結帳處理 t _2] e.購物&透過所設之通賊備㈣至㈣付款服務 ，並輸入消費旬自B ^ ° ^ 胃汛心，經即時付款服務平台核對無誤後， 取付該即時付款服務平台之授權後，再進行結帳處理 並同步通知即時付款職平台；以及 099121326 表單編號A0I01 0992037576-0 201201125 [0033] [0034] [0035] =筆消費金額透過即時付款服務平台以通訊服務帳單 子錢包、銀行轉帳、信用卡代繳等方式完成繳款或 扣款。 不實施犄，消費者倘若使用的是A通訊服務業者所提供 、，p時付放服務平台20夺，該消費者可於該即時付款服務 平° 2上建立付款帳號及身份識別資料，付款帳號可為a 通訊服務業者之行動或固網（含IN)話號（若是固網話號則 湏另外載明付款時所用行動話號），因此，當消費者在商 、賈場或百貨公司等實體通路購物端3進行消費後結帳 時’消費者可撥打行動通訊設備1至A電信業者所提供之 即時付款服務平台2 ’透過該即時付款服務平台2包括自 動化處理（如語音或按鍵輸入）或透過轉接客服人員等 方式’輸入包括身份識別資料、消費金額與商店代碼等 消費讯息’而該即時付款服務平台2接收到該消費訊息後 ，確認消費者提供之身份識別資料是否與建立在即時付 款服務平台2内之身份識別資料相符’即時付款服務平台 2核對無誤後，即時付款服務平台2再撥打電話至購物端3 所設之通訊設備，授權該購物端3進行結帳處理。 因此’購物端3接收到即時付款服務平台2之授權後，即 可進行後續如包裝、開立發票或收據等程序，而消費者 無須現場支付費用，即可完成購物，而該筆消費金額， 消費者可透過即時付款服務平台以通訊服務帳單（包含 行動、市話、新市話（NGN/IMS)、〇70、及智慧型特碼等 )、電子錢包、銀行轉帳、信用卡代缴等方式於日後完 成繳款或扣款即可。 099121326 表單編號A0101 第8頁/共19頁 0992037576-0 201201125 [0036] 此外，上述軌設備之”付款料之㈣亦可先由購 物端3撥號與即時付款服務平台2之方式完成，當消費者 在商店、賣場或百貨公司等實體通路購物邮進行消費後 士 ’帛物端3即可透過所設之通訊設備撥號至即時付 秋服務平。2，並輪人消費金額與消費者付款帳號等消費 訊息，而該㈣付款服務平嫩醜購物端3所輸入消 、'^卩依付雜輪號至消費者之行動通訊設備】 與肖費者確㉝身份識別資料後，才漏購物端3進行結 Ο ^ 相同地’購物端3接收到即時付款服務平台2之 授權後’即可進行賴如«、難«餘據等程序 ，而消費者無須現場支付#用，即可完成講物 ，而該筆 消費金額’消f者可透過即時付款服務平台2以通訊服務 =早、電子錢包'銀行轉帳、信用卡代繳等方式於曰後 元成繳款或扣款即可。 [0037] Ο [0038] 此外’該即時付款服務平台戰到購物端3結帳處理之 说息後，亦可透過簡訊方式發送構物完成訊息至消費者 之行動通訊設備1，供_者參考，並達到降低遭到非消 費者本人盜用之風險。 藉此，透過本發明利料訊設備之即時付款方法之設計 ’消費者即可湘隨身_之行動軌職i至各處實艘 商店等購物端3進行料，透料訊服«者提供之即時 付款服務平台2來完成與構物端3之消f手續，而消費金 額待日後透過鮮、魏等方式繳款或扣款即可，對於 消費者而言，無須㈣現金即可購物，不但同樣具有近 似信用卡之功能，又無須擔心信用卡遭到盜刷或遺失等 099121326 表單編號A0101Felir m〇de aj's services, mobile applications include mass transit and micro-payment and beverage vending machines. In China, China Mobile, China Telecom and China Unicom have launched RF_SIM services. The way to achieve mobile phone = this edge of the consumer more choices. However, although Qian Yi is convenient, the user must bear the high risk of misappropriation when the mobile phone is lost. At the same time, both parties have dependence on the hardware/software, and the application of Fan Tie is restricted. The main purpose of the present invention is to provide an instant payment service method for a variety of communication devices, thereby increasing the convenience of transaction payment and maintaining transactions. - fullness. For the purpose of the above, the invention provides an instant payment service method for a communication device, which is used for the shopping end consumption, and includes the following steps: a. Providing consumption on the instant payment service platform provided by the communication service industry The identification data of the person; b. The goods purchased by the consumer, at the checkout end, the form number A0101, page 4 / total 19 w side I shoulder fee ' 0992037576-0 201201125 [0009] [0010] Ο [0011 [0012] [0014] [0014] The mobile communication device or the communication device provided by the shopping terminal confirms the fact of the purchase to the above-mentioned instant payment service platform; c. The instant payment service platform first identifies the consumer's mobile communication If the equipment or the ship's equipment is set to the phone number of the device, if it is the mobile communication device number of the Xiao#, if the ship's step is small, the communication device number is set, then the steps e, f; d·consumption Dial the mobile communication device to the instant payment service platform and enter the consumer message. 'The instant payment service platform checks the correctness, then dials the communication device to the communication device set up on the shopping terminal, authorizes the purchase terminal to check the settlement> e. After dialing to the (4) payment service platform 'and entering the consumption message', the instant payment service platform checks the correctness, obtains the right-of-the-box payment right after the platform, and then rides the checkout processing, and simultaneously informs the instant payment service platform. And f. The amount of the purchase is provided by the instant payment service platform when the payment is made or the deduction is made by means of the service bill, e-wallet, silver, class, or card payment. Automated processing or through customer service staff to handle the above process. In the implementation, 'the consumer is input through the mobile communication device · Xiaofei's message includes the identification information of the consumer, the amount of consumption and the store code / phone number, the structure The input consumption information includes the consumption amount and the consumer payment account number 0 099121326 Form No. A0101 Page 5 / 19 pages 0992037576-0 201201125 [0015] In implementation, the instant payment service platform and the consumer's autopsy confirmation step are further included. The body of 1 [0016] is implemented in step e in the instant payment service platform. When the dial-up notification is made, the consumer device is dialed and the consumer confirms the identification data and the animal is checked out. 拽权Scale [0017] When implemented, the instant payment service platform receives the shopping-end check-out processing message. After that, the message can be sent to the mobile device through the short message. [0018] In addition, when the consumer uses the non-notes, the user includes the following steps: [0019] A. In the communication service One of the providers provides an instant payment service platform with consumer identification information; 'Build [0020] B. Consumers dial-up to the instant payment service platform via the communication device and turn in the consumer message; 1 ... : ” [0021] C. The instant payment service platform checks the establishment information. The identification information of the consumer of the service platform ten is correct, and then the second checkout is authorized; [0022] D. The checkout amount is immediately The payment service platform completes payment or deduction by means of communication service bill, e-wallet, bank transfer, and (4) card payment. [0023] In implementation, the consumer transmits the identification information, the consumption amount and the consumption code of the consumer through the communication device, and the consumer code includes the gas code, the telephone fee, the utility fee, and the like. . [0024] 099121326 When implemented, the instant payment service platform includes automated processing or through the form number A〇101 page 6 of 19 0992037576-0 201201125 customer service personnel to handle the above process. [0025] When implemented, the communication device includes a wired telephone and a wireless communication telephone. [Embodiment] [0026] Please refer to Figures 1 and 2 for an embodiment of an instant payment service method for a communication device of the present invention. [0027] The instant payment method of the communication device of the present invention mainly includes the following steps: [〇〇28] & An identification service data of a consumer is established on an instant payment service platform provided by a communication service provider; [0029] b. The goods spoken by the consumer.... When the checkout is made at the shopping end, the fact of the purchase can be confirmed to the above-mentioned instant payment service platform through the consumer's mobile communication device or the communication device set up at the shopping end; [_ e. (4) The payment service platform firstly (4) the mobile communication device or the communication device set by the shopping terminal, if it is the mobile communication device number of the user, proceed to steps d, f, if it is the Jing object If you set the communication device number, proceed to Steps He and F. Just after you have moved the track device (4) to the instant payment service platform and enter the 'Xiao Fei message, the instant payment service platform checks and corrects, then dials The communication device set up by the phone to the shopping terminal authorizes the shopping terminal to settle the bill t _2] e. Shopping & through the set of thieves (4) to (4) payment service, and input the consumption period from B ^ ° ^ stomach heart Immediate payment After the service platform has been verified, after the authorization of the instant payment service platform is taken, the checkout process is executed and the instant payment platform is notified synchronously; and 099121326 Form No. A0I01 0992037576-0 201201125 [0033] [0035] [0035] The amount of consumption is paid or debited through the instant payment service platform by means of the communication service bill sub-wallet, bank transfer, credit card payment, etc. If it is not implemented, if the consumer uses the A-communication service provider to provide the payment service platform, the consumer can create a payment account and identification data on the instant payment service. It can be a mobile service provider's action or fixed network (including IN) message number (if it is a fixed network number, it will also specify the action number used in the payment), so when the consumer is in a business, Jiachang or department store, etc. The physical channel shopping terminal 3 performs post-consumer checkout 'consumer can call the instant messaging service platform 2 provided by the mobile communication device 1 to A telecommunications provider' through the instant payment service platform 2 including automated processing (such as voice or key input) Or by inputting a customer service, such as identification information, consumption amount and store code, and the instant payment service platform 2 receives the consumer message, and confirms whether the identity information provided by the consumer is established or not. The identity data in the instant payment service platform 2 matches. 'The instant payment service platform 2 checks the correct, the instant payment service platform 2 Make a call to the communication device shopping end of the set 3, authorize the shopping terminal 3 checkout process. Therefore, after the shopping terminal 3 receives the authorization of the instant payment service platform 2, it can perform subsequent procedures such as packaging, opening an invoice or receipt, and the consumer can complete the purchase without paying the fee on site, and the amount of the purchase, Consumers can use the instant payment service platform to communicate service bills (including mobile, local, new local (NGN/IMS), 〇70, and smart special codes), e-wallet, bank transfer, credit card payment, etc. The way to complete the payment or deduction can be completed in the future. 099121326 Form No. A0101 Page 8 / Total 19 Page 0992037576-0 201201125 [0036] In addition, the payment device (4) of the above-mentioned rail device can also be completed by the shopping terminal 3 dialing and the instant payment service platform 2, when the consumer In the store, store or department store, and other physical access shopping post to spend the consumer's squatter's goods terminal 3 can be dialed through the set of communication equipment to the instant payment service flat. 2, and the amount of people spending and consumer payment account, etc. Consumer message, and the (4) payment service Ping Nian ugly shopping end 3 input, '^ 卩 付 杂 杂 至 至 至 至 消费者 消费者 消费者 消费者 消费者 消费者 消费者 消费者 消费者 消费者 消费者 消费者 消费者 肖 肖 肖 肖 肖 肖 肖 肖 肖 肖 肖 肖 肖Carry out the conclusion ^ Similarly, after the "shopping end 3 receives the authorization of the instant payment service platform 2", it can carry out the procedures such as Lai Ru, difficult, and other data, and the consumer can complete the lecture without using the on-site payment #. The amount of the spending can be reduced or debited by the instant payment service platform 2 via the communication service = early, e-wallet 'bank transfer, credit card payment, etc. [0037] Ο [0038] This 'The instant payment service platform will be able to send the structure completion message to the consumer's mobile communication device 1 through the SMS after the battle to the shopping terminal 3 checkout processing, and reduce the non-consumption. The risk of misappropriation by the user. In this way, through the design of the instant payment method of the device of the invention, the consumer can carry out the operation of the mobile station, and the shopping terminal 3 of the real store, etc. The service provider's instant payment service platform 2 will complete the formalities with the structure end 3, and the consumption amount will be paid or deducted by the fresh, Wei, etc. in the future. For the consumer, it is not necessary (4) You can shop in cash, not only has the function of similar credit card, but also does not have to worry about the credit card being stolen or lost. 099121326 Form No. A0101
第9頁/共19 I 0992037576-0 201201125 僅需提供一即時付款 之消費處理與認證授權 圍’並可大幅提昇通訊 風險，而對於通訊服務業者而言 服務平台2作為消費者與蹲物端3 ’即可達到更廣泛之購物服務範 服務市場產值（包含行動與固網） [0039] 此外，請參閱第3圖 務方法’亦可供消費 步驟： 本發明_軌設備之即時付款服 用於非購物端消費，其包括以下 [0040] A·於通訊服務業者所提供之 立有消費者之身份識別資料 一即時付款服務平台上 建 [0041] B · ’肖費者透過一通訊設 入消費訊息； 備撥號至即時付款服務平台並輸 [0042] [0043] [0044] [0045] c.即時付款服務平台核對建置於即時付款服務平台中之 消費者之身份朗資料，無誤後，再授權結帳處理； D.該筆結帳金額透過㈣付款_平台㈣訊服務帳單 電子錢包銀仃轉帳'信用十代繳等方式完成繳款或 扣款° ”中肖費者透過通訊設備所輸〇肖費訊息包括消費 者之身份酬資料 '消費金額與消f代碼，而該消費代 碼係包括瓦斯費、電話費、水電f、網路應用服務費用 等機關代瑪，該即時付款服務平台係包括自動化處理或 透過客服人員來處理上述之流程該通訊設備係包括有 線電話與無線通訊電話。 因此，消費者如欲繳納如瓦斯費、電話費、水電費、網 099121326 表單編號A0101 第〗0頁/共19 頁 0992037576-0 201201125 [0046] Ο [0047] [0048] [0049] ❹ [0050] [0051] [0052] [0053] [0054] 099121326 路應用服務費用甚域㈣，同樣可錢”付款服務 平台’輸人消費訊息後’經即時付款服務平台核對建置 於即時付款服務平台中之消費者之身份朗資料，無誤 後’即可完成繳費之動作，無須跑到銀行、郵局或便利 商店等代收單位，即可輕鬆完成繳納。 以上所述乃是本發明之㈣實施例及所運狀技術手段 ’根據本文的揭露或教導可衍生推導出許多的變更與修 正’若依本發明之構想所叙等效改變，其所產生之作 用仍未超出朗書及圖式所涵蓋之實質精神時，均應視 為在本發明之技術範疇之内，合先陳明。 依上文所揭示之内容，本發明確可達到發明之預期目的 ’提供-種利用通訊設備之即時付款方法，具有產業利 用與實用之價值無疑’爰依法提出發明專利申請。 【圖式簡單說明】 第1圖係為本發明實施例之步驟流程圖^ 第2圖係為本發明實施例之架構示意圖。 第3圖係為本發明實施例應用於非購物端時之步驟流程圖 〇 【主要元件符號說明】 1 :行動通訊設備 2:即時付款服務平台 3 :購物端 步驟a :於通訊服務業者所提供之一即時付款服務平台上 表單編號A0101 第11頁/共19 ¥ 、 0992037576-0 201201125 [0055] [0056] [0057] ’建立有消費者之身份識別資料 v驟b ./肖費者所購買之商品，於購物端結帳時，可透過 肖費者之行動通说设備或鱗物瑞所設之通訊設備，向上 述之即時付款服務平台確認購買之事實 步驟c ··即時付款服務平台首先判別消f者之行動通訊設 備或構物端所設之通訊設備的話號，若為消費者之行動 通訊設備話號，則進行步驟d、f 1為構物端所設之通 訊没備話號，則進行步驟e、f 步驟d :消費者透過行動通訊設備撥號至即時付款服務平 台並輪入消費訊息，即時付款服務平台核對無誤後再 撥打電話至講物端所設之通訊設備，授權該鱗物端結帳 處理 [0058] 步驟e :購物端透過所設之通訊設備播號至即時付款服務 平台，並輸入消費訊息，經即時付款服務平⑽對# 後，取得該即時付款服務平台之授權後，再進行結帳處 理，並同步通知即時付款服務平台 .. ' :丨 ：：.Page 9 of 19 I 0992037576-0 201201125 It is only necessary to provide a real-time payment processing and certification authority, and can significantly increase the communication risk, while for the communication service provider, the service platform 2 as a consumer and the shopper 3 'To achieve a wider range of shopping service service market value (including mobile and fixed network) [0039] In addition, please refer to the third method of 'there is also a consumer step: the invention _ track equipment instant payment service for non- Shopping-side consumption, which includes the following [0040] A. Established on the instant payment service platform provided by the communication service provider for the identification information of the consumer. [0041] B · 'Shafei's set up a consumer message through a communication ; dial-up to the instant payment service platform and lose [0042] [0044] [0044] [0045] c. The instant payment service platform checks the identity of the consumer who is placed in the instant payment service platform, and then re-authorizes Checkout processing; D. The amount of the checkout through (4) payment _ platform (four) news service bill e-wallet silver 仃 transfer 'credit ten pay, etc. to complete payment or deduction ° 》 The information recorded by the device includes the consumer's identity data, the consumption amount and the consumption code, and the consumption code includes the gas fee, the telephone fee, the water and electricity f, the network application service fee, and the like. The payment service platform includes automated processing or processing of the above processes through customer service personnel. The communication equipment includes wired telephones and wireless communication telephones. Therefore, consumers who wish to pay such as gas charges, telephone charges, utilities, and nets 099121326 Form No. A0101 Page 0 / 19 pages 0992037576-0 201201125 [0046] [0049] [0049] [0054] [0054] 099121326 Road application service fee is very domain (four), The same can be used for the "payment service platform" to enter the consumer information. After the instant payment service platform checks the identity of the consumer who is placed in the instant payment service platform, the payment can be completed without going to the bank. Payments can be easily made by collection agencies such as post offices or convenience stores. The above is the embodiment of the present invention and the technical means of the present invention. It is possible to derive a number of variations and modifications based on the disclosure or teachings herein. When the role is still beyond the spirit of the book and the schema, it should be considered within the technical scope of the present invention. According to the content disclosed above, the present invention can achieve the intended purpose of the invention. ‘Providing an instant payment method using a communication device, and having the value of industrial use and practicality 爰 提出 提出 提出 提出 提出 提出 提出 提出 提出 提出 提出 。 。 。 。 。 。 。 。 。 。 。 。 。 BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a flow chart of steps of an embodiment of the present invention. FIG. 2 is a schematic structural diagram of an embodiment of the present invention. Figure 3 is a flow chart of the steps when the embodiment of the present invention is applied to the non-shopping side. [Main component symbol description] 1: Mobile communication device 2: Instant payment service platform 3: Shopping terminal step a: Provided by the communication service provider One of the instant payment service platforms on the form number A0101, page 11 / 19 19, 0992037576-0 201201125 [0056] [0057] 'established with the consumer's identification data v c. / Xiao Fei who purchased For the goods, when the checkout is made at the shopping end, the facts of the purchase can be confirmed to the above-mentioned instant payment service platform through the communication device of the device or the device provided by the scales. c · · Instant payment service platform First, determine the phone number of the mobile communication device or the communication device set by the device end. If it is the mobile communication device phone number of the consumer, proceed to step d, f 1 for the communication set by the structure end. No., proceed to steps e, f. Step d: The consumer dials the mobile payment service platform through the mobile communication device and turns into the consumer message. The instant payment service platform checks the correctness and then dials the phone to the lecture terminal. Device, authorize the scale end checkout processing [0058] Step e: The shopping terminal broadcasts the number to the instant payment service platform through the set communication device, and inputs the consumption message, after the instant payment service is flat (10) pair #, obtain the After the authorization of the instant payment service platform, the checkout process is performed, and the instant payment service platform is notified synchronously.. ' :丨::.
[0059] 月“”慣款服務平台以通訊服務 帳單、電子聽、銀行龍、信計代料方 款或扣款 取*敬 [0060] 步驟A :於通訊服《者所提供之_即時付款服務平 ，建立有消費者之身份識別資料 台上 [0061] 步驟B :消費者透過一通訊設傷播號至 ϋ輸入消費訊息 即時付款服務平 台 099121326 表單編號Α01(Η 第12頁/共19頁 0992037576-0 201201125 [0062] 步驟C :即時付款服務平台核對建置於即時付款服務平台 中之消費者之身份識別資料，無誤後，再授權結帳處理 [0063] 步驟D :該筆結帳金額透過即時付款服務平台以通訊服務 帳單、電子錢包、銀行轉帳、信用卡代繳等方式完成繳 款或扣款 〇 ❹ 099121326 表單編號A0101 第13頁/共19頁 0992037576-0[0059] Month "" customary service platform with communication service bill, e-audio, bank dragon, credit meter or deduction * [0060] Step A: in the communication service "provided by the _ instant The payment service is flat, and the identification data of the consumer is established. [0061] Step B: The consumer sends a message to the consumer through a communication. The instant payment service platform 099121326 Form No. Α01 (Η第12/19 Page 0992037576-0 201201125 [0062] Step C: The instant payment service platform checks the identification data of the consumer built in the instant payment service platform, and then authorizes the checkout process after the error is correct [0063] Step D: The checkout The amount is paid through the instant payment service platform by means of communication service bill, e-wallet, bank transfer, credit card payment, etc. 〇❹ 099121326 Form No. A0101 Page 13 / 19 pages 0992037576-0