201218100 六、發明說明： 【發明所屬之技術領域】 本發明係關於-種支付系統，尤指—種電子錢包之網 際網路支付系統。 【先前技術】 隨著網際網路的快速發展，網路上的商業活動日漸盛 • 彳，透過網際網路選靖商品已漸成趨勢，消費者可於例如 網路商；£、網路拍f、或其他網際網路上的各式平台進行 交易’並且更可以例如信用卡線上刷卡、或網路銀:線上 匯款等之線上付費方式支付購物所需費用，因此，經由網 際網路，消費者完全不用出門即可買到所需商品，相當# 利。 而習知的線上付款㈣，係將例#卡片號碼、持卡人 姓名等信用卡或金融卡卡片資料，透過網際網路傳送至銀 行伺服器’以由其進行認證作業，俾完成線上付款程序。 • @是若考量到網路安全問題，對消費者來說，習知以信用 卡或金融卡進行線上付款的機制，存在有個人資料可能外 沒之疑慮。另外，也由於卡片資料與個人資料相關性高， 以金融卡或信用卡進行線上付費的機制及其操作方式亦較 為,r'複。因此，現订的線上付款機制對於個人資料安全尚 有准頁慮/又有4用卡' 或是不擅使用電腦的使用者來說， 是較不友善的。 201218100 發明人爰因於此’本於積極創作之精神，亟思一種「電 子錢包之網際網路支付系統」’幾經研究實驗終至完成此 項嘉惠世人之發明》 【發明内容】 本發明之一目的，係提供使用者一種以不具名之預付 儲值卡，即可於網際網路進行線上付費之電子錢包之網際 網路支付系統。 依據本發明之一特色，本發明係提出一種電子錢包之 網際網路支付系統，係供以一卡片於網際網路上進行款項 之支付，卡片係為預付儲值卡，且其上儲存有一卡片金額， 該系統包括：一網路支付伺服器，提供有一支付網頁，其 係於網際網路上提供以卡片進行款項支付之服務；以及^ 終端裂置’包括-讀卡單元，其係用以對卡片進行存取， 終端裝置係經由網際網路連接至網路支付伺服器以開 付網頁供卡Μ減項支付之㈣ 頁提供-交易資訊；讀卡單元讀取卡片，以將—卡= =傳^付網頁以由其進行驗證；#確認以卡片進行支付 支付網頁將卡片資訊以及交易資訊 ;器以由其進行處理、網路支付伺服器傳送_=: ν至支付網頁’以由其透過讀卡單元對卡片執曰 序；讀卡單元傳送一加密執行訊息至支 ，丁支付程 运至網路支付㈣# w由其傳 傳送一支 叉仃们服存進行處理，並 付，·。果讯息至支付網頁以由其進行顯示。 201218100 【實施方式】201218100 VI. Description of the Invention: [Technical Field of the Invention] The present invention relates to a payment system, and more particularly to an internet payment system for an electronic wallet. [Prior Art] With the rapid development of the Internet, business activities on the Internet have become increasingly popular. 彳 选 选 选 选 选 选 选 选 选 选 选 选 选 选 选 选 选 选 选 选 选 选 选 选 选 选 选 选 选 选 选 选 选 选 选Or all kinds of platforms on the Internet to conduct transactions' and can also pay for shopping, such as credit card online credit card, or online banking: online payment, etc., so consumers do not need to use the Internet. Go out and buy the goods you need, quite #利. The conventional online payment (4) is to transfer the credit card or financial card card data such as the card number and the cardholder name to the bank server via the Internet to perform the authentication operation and complete the online payment process. • @是什么意思, if you consider the issue of network security, it is customary for consumers to use online credit card or financial card for online payment. There may be doubts about personal data. In addition, due to the high correlation between card data and personal data, the mechanism for online payment by financial card or credit card and its operation method are also relatively high. Therefore, the current online payment mechanism is less friendly to users who are concerned about the security of personal data/4 cards or users who are not good at using computers. 201218100 The inventor 爰 ' ' 本 本 本 本 本 本 本 本 本 本 本 本 本 本 本 本 本 本 本 本 本 本 本 本 本 本 本 本 本 本 本 本 本 本 本 本 本 本 本 本 本 本 本 本 本 本One purpose is to provide an Internet payment system for an electronic wallet that can be paid online via the Internet with an unnamed prepaid stored value card. According to a feature of the present invention, the present invention provides an electronic wallet internet payment system for paying a card on the Internet, the card is a prepaid stored value card, and a card amount is stored thereon. The system includes: a network payment server, providing a payment webpage for providing payment by card for payment on the Internet; and ^ terminal splicing 'including-reading unit, which is used for the card To access, the terminal device is connected to the network payment server via the Internet to pay for the payment of the webpage for the payment of the card (4) page-transaction information; the card reader unit reads the card to transfer the card to the card. ^Pay the webpage for verification by it; #confirm that the payment is made by the card, the card information and the transaction information are processed by the device, and the network payment server transmits _=: ν to the payment webpage to read by The card unit performs the order of the card; the card reading unit transmits an encrypted execution message to the branch, and the payment is sent to the network payment (4)# w, which transmits a fork to serve And pay, -. The message is sent to the payment web page for display. 201218100 [Embodiment]
為能讓讀者更瞭解本發明之技術内容，特舉較佳實施 例說明如下，請先參照圖1，圖1係本發明一較佳實施例之 電子錢包之網際網路支付系統之示意圖。如圖1所示，本發 明之電子錢包之網際網路支付系統係供以一卡片1於網際 網路上進行款項支付，其中卡片1係為一預付儲值卡，其上 儲存有一卡片金額、以及一卡片點數；該系統包括一終端 裝置2、一網路支付伺服器3、以及一廠商伺服器4，其間係 分別經由網際網路相互連接；終端裝置2包括一讀卡單元 21，其係用以對卡片丨進行存取；網路支付伺服器3包括一 -貝料庫3 1，其係用以儲存卡片丨之相關資訊，網路支付伺服 器3並提供有一支付網頁，其係於網際網路上提供以卡片！ 進行款項支付的服務：廠商伺服器4提供有一網路交易網 頁，其係於網際網路上提供一網路交易服務。 其中，支付網頁透過讀卡單元2丨對卡片〗所執行的支 :料較佳係為，將卡片1上所儲存的卡片金額修改為扣除 人乂易的欲支付金額，且支付網頁更可同時透過讀卡單 疋21將卡片丨上所儲存的卡片點數修改為增加一紅利點 數；另外’支付網頁透過讀卡單元21對卡片i所執行的支付 矛序亦可為將卡片1上所儲存的卡片點數修改為扣除一兒 換點數。 .....叫冰啊略上退仃款項的支付 時’首先以例如個人電腦等之终端裝置2，經由網際網路連 接至廠商飼服器4以開啟網路交易網頁，於其上確定進行一 201218100 父易，然後透過網路交易網頁連接至網路支付伺服器3以開 啟支付網頁。其中，終端裝置2較佳係藉由一通訊元件，透 過支付網頁，與網路支付伺服器3進行溝通而網路支付伺 服器3提供有此通訊元件的檔案下載服務，以供使用者於終 端裝置2進行下載。 凊同時參考圖2，圖2係本發明一較佳實施例之電子錢 包之網際網路支付系統之資料流程圖。首先，使用者以終 端裝置2開啟網路交易網頁4〇，並於其上進行選擇，當確定 進订交易時，使用者透過網路交易網頁4〇開啟支付網頁 30同時網路交易網頁40係建立一交易資訊，並將其傳送 f支付網頁30及網路支付伺服器3(步驟S1);讀卡單元^ 讀取卡片1 ’並將-卡片資訊上傳至支付網頁3〇(步驟叫， 以由其進行驗證。 當使用者於支付網頁上確認欲以卡片丨進行款項支付 時’支付網頁观將卡片丨的卡片金額與本次欲支付之一欲 支付金額進行比對，若卡片金額小於欲支付金額則於其 上顯示無法執行交易供制者知曉，若卡片金額大於或等 於欲支付金額’則將卡片資訊以及交易資訊傳送至網路支 付同服盗3(步驟S3) ’ w由其進行處理。網路支付词服器3 建立一加达、支付指令並傳送至支付網頁川（步驟$句以由 其透過讀卡單元21對卡片1執行支付程序（步驟S5)。讀卡單 兀2i係於支付程序執行完畢之後’建立—加密執行訊息並 將其傳送至支付網頁3G(步驟S6);支付網頁職收並將加 祀執行訊騎送至網路支付伺服叫步驟S7);網路支付伺 201218100 服益3進行處理，然後傳送—支付結 以由其進行顯示，並同時將支付結果訊自傳付網頁30 器4(步驟$8)。 11心达至廠商伺服 圖3Α係本發明一較佳實施 支付系統之支付網頁30之示意圖。如包之網際網路 L β ^ 所不，支付網百 上八有父易序號及交易金額等本 · 者僅雹祐昭易相關資讯’使用 者僅而枚照支付網頁30上的步驟進行動作即 先’將欲用以付費的卡片】置入讀卡單二擇 碩卡機，然後按下「連結卡片 選擇 Η ^ 的圖不按鈕；讀卡單元21 二^ 並將卡片資訊上傳至支付網頁30以供 ^ ;支付網頁職佳係於認 ，、 以供使用者知曉;若使用者確定進行顯:於其上 入驗證碼，並按下「確定」的圄―：：項支付，依指示輸 p士…， 疋」的圖不按备，支付網頁30即透 過項卡早凡21對卡片1執行支付程序。 路支：明另一較佳實施例之電子錢包之網際網 := 網頁3〇之支付結果訊息之示意圖。當完 =的Λ付程序時，如圖3Β所示，支付網頁-係將： 人，之相關貝料顯示於其上，以供使用者知曉。 以不ίΓΓ之電子錢包之網際網路支付系統，係供消費者 者僅：購Γ:Γ卡於網際網路上進行支付程序。使用 :::講：一預付儲值卡’即可以本發明進行線上支付款 手：ϋ不需進行例如金融卡及信用卡等繁項的申辦 手續，_單，並且使用者的身份不受限制。In order to provide the reader with a better understanding of the technical contents of the present invention, a preferred embodiment will be described below. Referring first to FIG. 1, FIG. 1 is a schematic diagram of an Internet payment system for an electronic wallet according to a preferred embodiment of the present invention. As shown in FIG. 1 , the Internet payment system of the electronic wallet of the present invention provides a card 1 for payment on the Internet, wherein the card 1 is a prepaid stored value card, and a card amount is stored thereon, and a card point; the system includes a terminal device 2, a network payment server 3, and a vendor server 4, which are respectively connected to each other via an internetwork; the terminal device 2 includes a card reading unit 21, For accessing the card ;; the network payment server 3 includes a-be-stock library 3 1 for storing information about the card ,, the network payment server 3 and providing a payment web page, which is attached to Cards are available on the Internet! Service for payment: Vendor server 4 provides a web transaction web page that provides an internet transaction service over the Internet. Wherein, the payment webpage is executed by the card reading unit 2, and the card is preferably used to modify the amount of the card stored on the card 1 to be deducted by the user, and the payment webpage can be simultaneously The number of card points stored on the card is modified to increase a bonus point by the card reading unit 21; in addition, the payment order executed by the payment page through the card reading unit 21 for the card i may also be the card 1 The number of stored card points is modified to deduct the number of points. ..... When the ice is paid for the refund of the money, the terminal device 2 such as a personal computer is first connected to the manufacturer's server 4 via the Internet to open the web transaction web page, and the web page is determined. Conduct a 201218100 parent and then connect to the online payment server 3 via the internet transaction page to open the payment page. The terminal device 2 preferably communicates with the network payment server 3 through a payment webpage by using a communication component, and the network payment server 3 provides the file download service of the communication component for the user to use at the terminal. Device 2 performs the download. Referring to FIG. 2, FIG. 2 is a data flow diagram of an internet payment system for an electronic wallet according to a preferred embodiment of the present invention. First, the user opens the web transaction webpage 4 with the terminal device 2 and selects thereon. When determining the order transaction, the user opens the payment webpage 30 through the web transaction webpage 4 and simultaneously the web transaction webpage 40 Establish a transaction information and transmit it to the f payment webpage 30 and the network payment server 3 (step S1); the card reading unit ^ reads the card 1 'and uploads the card information to the payment web page 3 (step call, When the user confirms on the payment page that he wants to pay by card, the payment page view compares the card amount of the card with the amount of the payment to be paid, if the card amount is less than The payment amount is displayed on the display that cannot be executed by the transaction provider. If the card amount is greater than or equal to the amount to be paid, then the card information and the transaction information are transmitted to the network payment service piracy 3 (step S3) 'w The network payment word server 3 establishes a Gadda, payment instruction and transmits it to the payment web page (step $ sentence to execute the payment program for the card 1 through the card reading unit 21 (step S5). The card unit 2i is 'establishing-encrypting the execution message and transmitting it to the payment webpage 3G after the execution of the payment program is completed (step S6); paying the webpage payment and sending the courier execution to the network payment servo calling step S7 ); the online payment is processed by 201218100, and then the payment is sent to display it, and the payment result is sent to the webpage 30 (step $8). 11 Heart to the manufacturer servo diagram 3 A schematic diagram of a payment webpage 30 of a preferred payment system of the present invention, such as the Internet of the package L β ^, the payment network has eight parental serial numbers and the transaction amount, etc. The user simply places the steps on the payment page 30 to perform the action of placing the card to be used for payment, and then inserting the card to select the card. Button; card reading unit 21 2 ^ and upload card information to the payment page 30 for ^; payment web page is recognized by the user, for the user to know; if the user determines to display: on the verification code, And press "OK" -: : The payment of the item, according to the instructions, the picture of the 士 ... , , , , , , 支付 支付 支付 支付 支付 支付 支付 支付 支付 支付 支付 支付 支付 支付 支付 支付 支付 支付 支付 支付 支付 支付 支付 支付 支付 支付 支付 支付 支付 支付 支付 支付 支付Internet:= A schematic diagram of the payment result message of the webpage 3. When the payment procedure of the webpage is completed, as shown in Fig. 3Β, the payment webpage will display: the relevant baits of the person, for the user. Knowing. The Internet payment system of the e-wallet is for consumers only: purchase: Leica is used to make payment procedures on the Internet. Use :::: a prepaid stored value card can be used The invention carries out online payment of the hand: no need to carry out complicated application procedures such as financial card and credit card, _ single, and the identity of the user is not limited.
S 7 201218100 於網’習知的線上付款方式程序繁瑣’例如以金融+ ;.洞路銀行進行作業’需先賴號及密碼登人銀行網頁， 而以信用卡進行線上刷卡，則諸人卡號、持卡人姓名、 ==、到期年月等卡月資訊；與習知相較，本發明的操 作/方式則相當簡易’使用者僅需將卡片插入讀卡裝置並 進仃破W即可完成線上付款的程序即使不擅於操作電腦 的使用者亦能簡單進行β 再者，本發明的線上支付程序於網際網路上所傳送的 =訊僅卡片資訊及交易資訊，其皆與個人資料無關因Λ # 全沒有個人資料可能外洩的風險。 上述實施例僅係為了方便說明而舉例而已本發明所 主張之權利範圍自應以申請專利範圍所述為準而非僅限 於上述實施例。 【圖式簡單說明】 圖1係本發日卜較佳實施例之電子錢包之網際網路支付系 統之示意圖。 圖2係本發a卜較佳實施例之電子錢包之網際網路支付系 統之資料流程圖。 圖3 A係本發明一較佳實施例之雷早你4 只G 1 J <电于錢包之網際網路支付 系統之支付網頁之示意圖。 圖3 B係本發明另一較佳實施例之雷工κ — 戶'犯扪又罨子錢包之網際網路支 付系統之支付網頁之支付結果訊息之示意圖。 8 201218100 【主要元件符號說明】 1 卡片 2 21 讀卡單元 3 30 支付網頁 31 4 廠商伺服器 40 S1-S8步驟 終端裝置 網路支付伺服器 資料庫 網路交易網頁S 7 201218100 On the Internet, the familiar online payment method is cumbersome 'for example, financial +;. Donglu Bank's homework' requires the first name and password to be posted on the bank's website, and the credit card is used for online card swiping. Cardholder name, ==, expiration date and other card month information; compared with the conventional method, the operation/method of the present invention is quite simple 'user only needs to insert the card into the card reading device and break through W to complete The online payment program can be easily performed by users who are not good at operating the computer. The online payment program of the present invention transmits only the card information and transaction information on the Internet, which are independent of the personal data. Λ # There is no risk that personal data may be leaked. The above-described embodiments are merely examples for the convenience of the description, and the scope of the claims of the present invention is intended to be based on the scope of the claims and not limited to the above embodiments. BRIEF DESCRIPTION OF THE DRAWINGS Fig. 1 is a schematic diagram of an internet payment system of an electronic wallet in accordance with a preferred embodiment of the present invention. 2 is a flow chart of the Internet payment system of the electronic wallet of the preferred embodiment of the present invention. Figure 3A is a schematic diagram of a payment webpage of an Internet payment system of a wallet of a wallet of a preferred embodiment of the present invention. Figure 3B is a schematic diagram showing the payment result message of the payment webpage of the Internet payment system of the Leigong κ - ' 罨 罨 钱包 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 8 201218100 [Explanation of main component symbols] 1 Card 2 21 Card reading unit 3 30 Payment web page 31 4 Vendor server 40 S1-S8 procedure Terminal device Network payment server Database Web transaction page
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