五、創作説明（/) 本發明係-種線上交易安全付款方法，尤指一種在網 路上或其他電子購物的一安全付款管道。 _由於網際網路快速之發展，又無國界之限制，因此潛 在者無限之商機，其中-項在網路上之新興產業即是電子 商務’尤其是指網路購物，可讓商家向世界各地的 ==類的貨品或服務，在消費者的電觸與商家的飼 月^電知透過網路接連，消費者可選購商家在其網站 k供之^品及服務。 雖然網路購物可以為消費者提供-更便捷之購物管道 ’但實際上網路購物並未被大眾所廣泛利用，1中最 之原因在於當進行網路交易時所涉及之—要 ,—巴款項從消費者處轉移給商家，許多：:費： 為亡，向不認識的商家提供信用卡數據，、因 =可=料ΐ不安全，消費者擔心他們的信用卡 截取而:c不當地使用，或信用卡數據被他人 :產:信心，因此消費者對於這項快捷之網路購= b ’因而造成網路購物截至目前為止尚未普及。 但是目前銀行的終端機，如櫃員機、刷卡；. ，其可透過電腦程序進行存、提款及銀行帳戶之門㈣； 等交易，省去人工填忙戶之間的轉帳 至銀行櫃台作存、時間，故已大量取代至人們 電腦間可在益遭爲窥又因為付款終端機與銀行 」仕無1C叉竊取疑慮的情況 包含消費者的機密帳戶資料），所以女王數據通訊（ 戶貝料）所M消費者能夠信任付款 473681V. Creative Instructions (/) The present invention is a secure payment method for online transactions, especially a secure payment channel on the Internet or other electronic shopping. _Because of the rapid development of the Internet and the limitation of national borders, there are unlimited business opportunities for potential, of which-the emerging industry on the Internet is e-commerce ', especially refers to online shopping, which allows merchants to reach the world's == Goods or services of the same type are connected between the consumer ’s electric touch and the merchant ’s feed month through the Internet, and consumers can purchase the products and services provided by the merchant on their website. Although online shopping can provide consumers with a more convenient shopping channel ', in fact, online shopping has not been widely used by the general public. The most important reason is that when it comes to online transactions, it involves-to,-payment. Transfer from consumers to merchants, many :: Fees: For the sake of failure, provide credit card data to unknown merchants, because ==== materials are not safe, consumers are concerned about their credit card interception, and: c improperly used, or Credit card data is used by others: production: confidence, so consumers for this fast online shopping = b 'thus causing online shopping has not been popular so far. However, the current terminals of banks, such as ATMs and credit cards, can be used to deposit, withdraw and bank accounts through computer programs; and other transactions, eliminating the need to manually fill in the transfers between bank accounts to bank counters for deposit, Time, so it has been largely replaced that people's computers can be seen as a glimpse and because payment terminals and banks have no doubt that the 1C fork steals consumers ’confidential account information, so the Queen ’s data communication (household materials) Consumers can trust payments 473681
Cl D7 五、創作説明（s ) 終端機及提供付款終端機服務的銀行。 本發2之主要目的為提供—料全之網路 之安全管道。 社購物日^提供-與商家間轉幅 :=前述目的所使用之技術手段，係以二* ^易付軌之動作，其中第—程序係 ; 之付曹^ 者間所進行之商業電子交易中 之付費^ ’當消費者進人商家之靖物網 項或多項之產品或服務，並可 ^擇一 待付42 路連結供予至付款系統電腦， 消費者提供-付款編號；^及付款金額後，則向 吹編==人Γ欠之另—程序，即消費者將取得上述付 ‘扁號及自己之帳號（如提款卡、信 . 至以一安全連線連結至付款系統電腦之m 付款終端機以一安全連線連結至，以== :款帳號中之餘額是否足以支付帳款，若核對,= 款糸統電腦即傳送一訊號至：： 完成。再由付认糸統電腦發出訊號以告知商家付款 巧所心：之-人目的為利用上述交易步驟應用至百貨公 之一付款機制。肖費者間之父易上’即二者間Cl D7 V. Creation Instructions (s) Terminals and banks that provide payment terminal services. The main purpose of this issue is to provide a secure network for the entire network. Social Shopping Day ^ Provide-Transfer with Merchants: = Technical means used for the aforementioned purpose, which is a two-way, easy-to-pay action, of which the first-procedure system is; the payment of commercial transactions between the parties Paying ^ 'When the consumer enters the Jingwu network item or multiple products or services of the merchant, and can choose a 42-way link to be paid to the payment system computer, the consumer provides-payment number; ^ and payment After the amount, it is written to == person Γ owes another procedure, that is, the consumer will get the above payment 'flat number and his account number (such as ATM cards, letters. To a secure connection to the computer of the payment system The payment terminal is connected to it with a secure connection, and the ==: whether the balance in the account number is sufficient to pay the account. If it is checked, the = computer will send a signal to:: Complete. The computer sends a signal to inform the merchants of the intent of payment: its purpose is to use the above transaction steps to apply to one of the department store payment mechanisms. The father of Xiao Fei is easy to go up, that is, the two
473681473681
Cl 五、創作説明（g) 叙f貝審查委員更進-步瞭解本發明之詳細架構及 特徵，茲附圖式如后以說明之： (一）圖式部份： 第，/本發明的系統方塊圖，用以揭示消費者終 、Μ:豕眉站、付款系統電腦三者間之連結關係。 Α第-圖·k本發明部份詳細系統方塊圖1以揭示商 豕㈣、付款系統電腦二者間之連結關係。 第三圖：係本發明的系統交易示意圖 者終端機、絲網站、付«統電腦三者間交《作。 ^四圖··係本發明的部份m易示意圖，用以揭示 消費者、付款系統電腦二者間之交易動作。 :w 丁本么月的部份系統交易示意圖，用以揭示 付放糸統電腦及商家網站二者間之交易動作。 (二）圖號部份： 2 1 )授權機構 10)消費者終端機 3 〇)商家網站 經 濟 部 智 慧 財 產 局 消 費 合 社 印 製 請 閱 背 之 注 意 事 項 再 填 寫 本 頁 (2 0)付款系統電腦 (2 2 )付款終端機 (1 1 )消費者 (4 0 )網際網路 第一圖所示，為消費者終端機（1〇)、商家網 230)及付款系統電腦（2〇)三者間之連結關係， :中商家網站（30)㈣供消費者終端機（10)透 2際網路（4Gi選購商品或服務，而付款系統電腦（ 2 0)則亦連結於前述消費者終端機（工⑸及商家網站 )"者間，用以提供-種安全付帳管道，當消費者 本紙張尺度適用中國國家標準（CNS ) A4規格(210^297^· 、創作説明（斗） 戶口帳號或其他帳戶的任何資料； 裝？-- (請先閲讀背面之注意事項再填寫本灵) 此時，消費者已從商家網站（3 0 )選購眢口 得消費者付款所需的付款編號，但是消費者亦取 程序進行實際繳款動作’因此從取得付款編/至另一 =段_消費者尚未付款對商家來說 商家網站勿0禾凡成，故 ，如此-二 =消費者所訂購之貨品列入暫時記帳 知消費者岸在1將會向消費者發出訊息，例如通 与賈者應在―足期間内透過付款 款項，否則不再為消費：2 〇)付清 在以下的實施例中，將以付款機Ύ的交易。 檀員機為例述配合圖式說明其工作流:如下）以自動 參閱第四圖所示，係為 消費者（1 !)取得付款編㈣，^月之弟一転序，其中 以完成缴費動作，其t消費者7! “丁另一個缴費程序， 線 卡號輪入至自動櫃員機（22)二）將付款編號及提款 為自動櫃員機（2 2 订費或轉帳動作，因 腦（2 0)作連钍^ *全數據連線與付款系統電 者（11):=作，又付款系統電腦（2 0)與消費 消費者持不：=構（2 1 )亦作安全數據連線，故當 買可狩不冋杈榷機構 透過自動櫃員機（2 2 )盘授權：：,提款卡時，可直接 之卡號及存款餘額，待核 (2i)核對消費者Cl. V. Creation Instructions (g) The review committee of Sibei further understands the detailed structure and characteristics of the present invention, and the drawings are as follows to illustrate: (1) Schematic part: The system block diagram is used to reveal the connection between the consumer terminal, M: 豕 mei station, and the payment system computer. A-figure · k Part 1 of the detailed system block diagram of the present invention is used to reveal the connection relationship between the merchant and the payment system computer. The third picture: is a schematic diagram of the system transaction of the present invention. The terminal, the silk website, and the computer are handed over to each other. ^ Four pictures ... is a part of the easy diagram of the present invention, which is used to reveal the transaction actions between the consumer and the computer of the payment system. : w Part of the system transaction diagram of Ding Ben Moyue, used to reveal the transaction action between the computer and the merchant website. (2) Part number: 2 1) Authorized institution 10) Consumer terminal 3 〇) Merchant website, printed by the Intellectual Property Bureau of the Ministry of Economic Affairs, Consumer Cooperative, please read the notes on the back, and then complete this page (2 0) payment system The computer (2 2) payment terminal (1 1), the consumer (40), as shown in the first figure of the Internet, are the consumer terminal (10), the merchant network 230) and the payment system computer (20). The connection relationship between the parties is: China Merchants Website (30): for consumer terminals (10) to access the Internet (4Gi to purchase goods or services, and the payment system computer (20) is also linked to the aforementioned consumers) Terminals (industrial and business website) are used to provide a kind of secure payment channels. When consumers use this paper size, the Chinese National Standard (CNS) A4 specification (210 ^ 297 ^ ·, creative instructions (Dou ) Account information or any other information of the account; Install?-(Please read the notes on the back before filling in the spirit) At this time, the consumer has purchased the pass from the merchant website (30) to get the consumer payment Payment number, but the consumer also takes the procedure to perform the actual payment action ' Therefore, from the time of obtaining payment to another paragraph, the consumer has not paid yet. For the merchant, the merchant's website should not be 0 Fanfan Cheng, so -2 = the goods ordered by the consumer are included in the temporary accounting until the consumer bank is at 1. A message will be sent to the consumer, for example, Tong Jia should pass the payment within the full period, otherwise it will no longer be a consumption: 2)) In the following embodiment, the payment will be processed by a payment machine. The example of the crew is to illustrate the workflow with the diagram: as follows) To automatically refer to the fourth diagram, it is the order for the consumer (1!) To obtain the payment. The sequence of the month's brother is to complete the payment action. The consumer 7! "D Another payment procedure, the line card number is rotated to the ATM (22) 2) the payment number and withdrawal as an ATM (2 2 subscription or transfer action, because the brain (2 0 ) Make a connection ^ * Full data connection and payment system (11): = work, and the payment system computer (2 0) and consumer consumers do not hold: = structure (2 1) also for secure data connection, Therefore, when buying a non-reliable institution, authorize: through the ATM (2 2) disk: Direct deposit and the balance of the card number, to be nuclear (2i) check consumer
)發:=:”付_二=員)機(22 I 圖所不’該付款終端機（22)如植員機、刷) Send: =: ”付 _ 二 = 员) machine (22 I not shown in the picture” The payment terminal (22) such as planter, brush
冏豕網站 創作説明（^) 選購完產品後’即連結至付款系 經濟部智慧財產局員工消費合作社印製 月自（2 〇 )，以取得_付款帳號； 參閱第二圖所示’該付款系統 女全之數據傳輪通訊連結至付款 Q )係]用 構（2 1)，該授權機構（21')、=22)和授權機 金融卡發卡銀行，授卡授權機構或 )又蕤?㈣構（21)付款系統電腦（20 •日一文全之數據傳輸通訊連結商家網站（3 〇 )第ι =係由—個程序來完成交易付f動作，其中參閱 第二圖所不，係為執行本發明之第—程序:端:。°)連結至商家網站(3。)訂購二訂暖救：广（f 〇 )即提供訂購標識(如購物編號等)及 ° 如商家名稱、付款金額）予消費者終端機（；[ 〇)的瀏m並提供超連結，使消f者的網路轉= 付款系統電腦（2Q)，消費者_覽器中會將取得上述 之盯購數據ό丁購標識提供予付款系統電腦（2 〇 )，节 訂購之資料經加密後作安全數據通訊，如付款系統電腦： 2 0 )此作 SSL (Secure Sockets Layer)的加密，此日士 二付款系統電腦（2 〇)透過另-安全之數據連線，向‘ 家網站（3 〇 )核對相關訂購資料，待確定與消費者鈐 入資料比對無誤後，付款系統電腦（2 0 )就會向消費= 終端機（1 0 )提供—付款編號，因此，付款系統電腦 2 0 )給予消費者提供付款編號時，並不會知道消費者次 料，故消費者便毋須透過不安全網路連接提供其信用卡貝 ____ 6 衣紙張尺度適用巾國國豕縣（CNS )八4規格（210X297公羡 I - - - - < . . 枝^.-- (請先閱讀背面之注意事項再填寫本頁) 、11 丨線 473681冏 豕 Website creation instructions (^) After purchasing the product, 'the link will be printed to the payment department of the Intellectual Property Bureau of the Ministry of Economic Affairs' employee consumer cooperative to print the monthly self (20) to obtain the _ payment account; see the second picture' The The data transfer communication of the women's all-in-one payment system is linked to the payment Q) Department] (2 1), the authorized institution (21 '), = 22) and the authorizing machine financial card issuing bank, the authorizing authority or) ? Structure (21) payment system computer (20 • Japanese data transmission communication link to the merchant website (30)) ι = is a program to complete the transaction payment f action, which refer to the second figure is not, is In order to implement the first program of the present invention: end: °) link to the merchant's website (3.) order two ordering and saving: Canton (f 0) to provide order identification (such as shopping number, etc.) and ° such as the name of the merchant, payment (Amount) to the consumer terminal (; [〇) and provide a hyperlink to make the consumer's network transfer = payment system computer (2Q), the consumer_browser will obtain the above-mentioned purchase data The purchasing logo is provided to the payment system computer (20), and the ordering information is encrypted after Secure data communication, such as payment system computer: 2 0) This is encrypted with SSL (Secure Sockets Layer), and the Nippon Payment System computer (2 0) is connected to the 'home website (3 0) through another-secure data connection. ) Check the relevant ordering data. After confirming that the information entered with the consumer is correct, the payment system computer (20) will provide the consumption = terminal (1 0)-the payment number. Therefore, the payment system computer 20) When consumers are provided with a payment number, they will not know the customer ’s secondary materials, so consumers do not need to provide their credit cards through an unsecured network connection. ____ 6 The size of the paper is suitable for towels. Guoguo County (CNS) 8-4 specifications (210X297 public envy I----&.; Sticks ^ .-- (Please read the precautions on the back before filling out this page), 11 丨 line 473681
、創作説明（6 I:，t都是透過安全線路，與授權機構（2 1 )之電腦 之次使用難以被截取及解密之通訊進行，故可作安全 輪’即消費者之信用卡卡號、付款編號，可利用 人手輸入或以「刷卡」方式輸入，再透 王相連接，提供予付款系統電腦（20); 立後參圖所f ’當付款系統電腦確認消費者付款成 X出確涊汛號至商家告知可送貨予消費者； 序整發明之付款程 gs,, 〉肖f者透過網際網路向商家網站（3 〇) 至用=:不用直接在網路上輸入信用卡號，只要連線 站=明之付款系統電腦（20)，輸入自商家網 硭， 斤取得有關產品之購買資料，即可取得一付款 而後再至付款終端機(⑴（如擴員機、刷:： 作。費者已付清帳款，完成所有之付款動 #，述之發明方法，不但適宜於完成支付網路上貨 :可在購ϋ於消費者自助電腦終端機進行購物，即消費 ::==广_通可供購買貨品的目錄，透 者使=10)以支付所選購貨品的款項，消費 吏用店内或商場内電腦終端機選購貨品 ，即同於消費者在商家網站（3 0)進行交易0計圖所不 消費者於選購貨品後，將可選用此項發明的：，：:： (2 0)，並進行第四圖所示相同付款程序， &張尺度適用中國國^^7^717^^17 隻—— (請先閱讀背面之注意事項再填寫本頁) 訂 ——乎---------------- 473681 五、創作説明付款編號。 如上所述本發明應用於網路或電子蹲物，可提供消費 款之安全管道，即毋須在網路上提 用者=:請故本發"已符合"發心利:: 經 濟 部 智 慧 財 產 局 消 費 合 作 社 印 製 本紙張尺度適用中國國家標準（CNS ) A4規格（210 X 297公釐）2. Creation instructions (6 I :, t are all carried out through secure lines, and the communication with the computer of the authorized institution (2 1) is difficult to be intercepted and decrypted, so it can be used as a secure wheel, that is, the consumer's credit card number and payment The serial number can be entered manually or by "swipe card", and then connected to the king, and provided to the payment system computer (20); after the reference, please refer to the plan f 'when the payment system computer confirms that the consumer payment is X. To the merchant to inform that it can be delivered to consumers; The payment process gs of the invention is in order to make a payment to the merchant's website (30) via the Internet. =: No need to directly enter the credit card number on the Internet, just connect Station = Ming's payment system computer (20), enter it from the merchant's network card, get the purchase information of the relevant product, you can get a payment and then go to the payment terminal (⑴ (such as expansion machine, brush :: work. The paid account has been paid and all the payment actions have been completed. The described method is not only suitable for completing payment on the Internet: you can purchase at the consumer self-service computer terminal, that is, spend :: == 广 _ 通Items available for purchase 10) To pay for the purchase of goods, the consumer uses the computer terminal in the store or the mall to purchase the goods, that is, the consumer does the transaction on the merchant website (30). After purchasing the goods, the user can choose the invention of:, ::: (2 0), and carry out the same payment procedure as shown in the fourth figure, & Zhang scale applies to China ^^ 7 ^ 717 ^^ 17 Only-(Please read the notes on the back before filling this page) Order-almost ---------------- 473681 V. Creation instruction payment number. As described above, the application of the present invention On the Internet or electronic squatting objects, it can provide a safe channel for consumer funds, that is, those who do not need to use it on the Internet =: Please make this issue " Already meet " This paper size applies to China National Standard (CNS) A4 (210 X 297 mm)