495692 A7 五、發明說明（/ ) 【本發明之領域】 本發明係有關電子商務之技術領域，尤指一種利用行 動通訊設備之即時付款方法及系統。 【本發明之背景】 隨者電腦及通訊科技之快速發展，其影響已逐漸深入 商務〈叉易型態，而所謂之電子商務即係藉由電腦及通訊 技術之快速及便利性以改進傳統藉由現金或信用卡交易之 不便性，以期讓使用者能夠快速且方便地購物，舉例而 口曰曰片黾子知包（V i s a C a s h )係為一種可以取代現金 之2膠卡片，坎在每張彳諸値卡内的微晶片儲存了特定的金 額γ面値，使，Visa。4時，只要將其插入特約商家的495692 A7 V. Description of the Invention (/) [Field of the Invention] The present invention relates to the technical field of electronic commerce, and more particularly to an instant payment method and system using mobile communication equipment. [Background of the invention] With the rapid development of computer and communication technology, its influence has gradually deepened into business (fork-easy type, and the so-called e-commerce is to improve the traditional borrowing through the speed and convenience of computer and communication technology). The inconvenience of cash or credit card transactions, in order to allow users to shop quickly and easily. For example, the word “Visa Cash” is a kind of 2 plastic cards that can replace cash. The microchips in the Zhangye Zhuzhang card store a specific amount of gamma facets, Visa. At 4 o'clock, just plug it into the
Visa Cash讀取機即可，而收銀員可輸入使用者之交易金 額，經使用者確認後即自動由卡片之餘額中扣除，便可完 成交易。 線 此外並有所渭之電子紅包及電子轉帳之交易方式， 可供使用者以電子紅包卡由自動櫃員機提領現金，或是在 特約商店進行轉帳消費。 、前述之交易方式雖可達成讓使用者免於隨身攜帶現金 (不便’但其安全性並不佳，如果卡片遺失或號碼 則有可能造成使用者極大之損失。 而為達成安全之父易，尤其是透過網際網路之購物 遂有所謂安全電子交易（Seme EleeUQni’e Transaction，簡稱SET )機制及網際網路付款系統 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐 495692 A7 五、發明說明（α ) (First Virtual，簡稱FV)機制之產生，其中，set機 制係由VIS A及Master Card公司所提出之一套加密的信 用卡付款轉帳規約，以用來保護網際網路和其它網路上信 用卡付款的技術標準，而FV機制係*First Vitual公司所 推出之一種由第二者驗證之付款方式，以確保信用卡號絕 對不會在網路上傳送，藉以解決信用卡的安全問題。 上述之SET及FV機制為了達成安全之交易，必須再 額外設置複雜之認證機制，故而系統之價格極高，且其僅 係適用於透過網路之信用卡交易，而無法運用於面對面之 X易購物，實有其不盡理想之處，因此，前述之電子商務 之付款交易方式實有予以改進之必要。 發明人爰因於此，本於積極發明之精神，亟思一種可 以解決上述問題之，幾經研究實驗終至完成此項新穎進步 之發明。 【本發明之概述】 本發明之一目的係在提供一種方便且安全無虞之快速 付款方法及系統。 本發明之另一目的係在提供一種能夠以面對面之方式 進行交易之快速付款方法及系統。 為達前述之目的，依據本發明之一特色，其係提供一 利用行動通訊設備之即時付款系統，該系統主要包括：一 使用者之行動通訊設備，其對應一代表使用者個人之帳 號，一收費端凟取裝置，其係用以讀取及顯示交易資料， (請先閱讀背面之注意事項再填寫本頁) I --------訂---------線！ 經濟部智慧財產局員工消費合作社印製 ——————————— 495692 經濟部智慧財產局員工消費合作社印製 A7 五、發明說明（3 ) 並可讀取該使用者之行動通訊設備所對應之帳號；以及一 遠端電腦伺服端，其係與該收費端讀取裝置連線，以接收 由孩收費端讀取裝置所讀取之帳號及對應之交易資料，_ 確認該帳號之正確性及交易資料之有效性後，透過行動= 訊網路呼叫該使用者之行動通訊設備，以藉由該行動通訊 設備之顯示而告知使用者該交易資料，俾由使用者利用該 行動通訊設備予以確認而完成交易。 ^ 而依據本發明之另-特色，其係提供一利用行動通訊 設備之即時付款方法，冑方法主要包括下述之步驟： (Α)讀取使用者之帳號及交易金額；（β)透過行：通 訊網路傳送詢問使用者是否進行交易之訊息至使用者之行 動通訊設備，以詢問使用者是否確認該項交易；以及^ (c )依據該帳號扣除該項交易之金額。 、由於本發明設計新穎，能提供產業上利用，且確有增 進功效，故依法申請專利。 曰 為使貴審查委員能進—步瞭解本發明之結構、特徵 及其目的’錢以圖式及較佳具體實施例之詳細說明如 后： 【圖式簡單説明】 第一圖：係本發明之利用行4 、 仃動通訊設備I即時付款系統的 架構圖◦ 第二圖：係本發明之利用杆Μ — 丁動通訊設備之即時付款方法之 一貫犯例的流程圖。 本紙張尺度適用中國國家標準（CNS)A4規 (請先閱讀背面之注意事項再填寫本頁)The Visa Cash reader is sufficient, and the cashier can enter the user's transaction amount, and after the user confirms, it will be automatically deducted from the card balance to complete the transaction. In addition, there are also electronic red envelope and electronic transfer transaction methods that allow users to withdraw cash from electronic teller machines using electronic red envelope cards, or make payment transfers in special stores. 、 Although the aforementioned transaction method can achieve to save users from carrying cash (inconvenient), but its security is not good. If the card is lost or the number may cause great losses to the user. In order to achieve security, Especially for purchases made via the Internet, there is a so-called secure electronic transaction (Seme EleeUQni'e Transaction (SET) mechanism) and an Internet payment system. This paper applies the Chinese National Standard (CNS) A4 specification (210 X 297 mm 495692). A7 V. The invention of (α) (First Virtual, FV) mechanism, the set mechanism is a set of encrypted credit card payment transfer protocols proposed by VIS A and Master Card to protect the Internet And other technical standards for credit card payment on the Internet, and the FV mechanism is a second-party verified payment method introduced by * First Vitual to ensure that credit card numbers are never transmitted on the Internet, thereby solving the security problem of credit cards. In order to achieve a secure transaction, the above-mentioned SET and FV mechanisms must be additionally equipped with a complex authentication mechanism. The grid is very high, and it is only applicable to credit card transactions via the Internet, and cannot be applied to face-to-face X-Ease shopping. It has its own unsatisfactory characteristics. Therefore, the aforementioned e-commerce payment transaction methods have been improved. Because of this, the inventor, in the spirit of active invention, urgently thinks of an invention that can solve the above problems, after several research experiments, to complete this new and improved invention. [Summary of the invention] One object of the invention It is to provide a convenient and secure fast payment method and system. Another object of the present invention is to provide a fast payment method and system that can conduct transactions in a face-to-face manner. In order to achieve the foregoing objectives, according to the present invention, A feature is to provide an instant payment system using mobile communication equipment. The system mainly includes: a user's mobile communication equipment, which corresponds to an account representing a user's personal account, a charging terminal capture device, which is used to Read and display transaction information, (Please read the notes on the back before filling this page) I -------- Order --------- line! Printed by the Consumer Cooperative of the Ministry of Intellectual Property Bureau ———————————— 495692 Printed by the Consumer Cooperative of the Intellectual Property Bureau of the Ministry of Economic Affairs A7 V. Invention Description (3) The mobile communication device of the user can be read The corresponding account number; and a remote computer server, which is connected to the reading device of the charging terminal to receive the account number and corresponding transaction data read by the reading device of the charging terminal, and confirm the account number After the correctness and the validity of the transaction data, the mobile communication device of the user is called through the mobile network to inform the user of the transaction data through the display of the mobile communication device, and the user uses the mobile communication The device confirms and completes the transaction. ^ According to another feature of the present invention, it provides an instant payment method using a mobile communication device. The method mainly includes the following steps: (Α) reading the user's account number and transaction amount; (β) through the bank : The communication network sends a message asking the user whether to conduct a transaction to the user's mobile communication device to ask the user whether to confirm the transaction; and ^ (c) deducts the amount of the transaction according to the account. Since the invention is novel in design, can provide industrial use, and does have an added effect, it has applied for a patent in accordance with the law. In order to enable your review committee to further understand the structure, characteristics and purpose of the present invention, the detailed description of the Qian Yi diagram and the preferred embodiment is as follows: [Simplified description of the diagram] The first diagram: the present invention The diagram of the instant payment system using the mobile communication device I and the mobile communication device I. The second figure: is a flow chart of one example of the instant payment method of the instant payment method using the mobile communication device of the present invention. This paper size applies to China National Standard (CNS) A4 (Please read the precautions on the back before filling this page)
i^i >^1 immm ϋ ϋ n ϋ n ϋ ϋ n I ϋ ϋ 1 ϋ ϋ ϋ ϋ ^1 ^1 ϋ ί ^1 ϋ ^1 ^1 ^1 ^1 1 I ϋ I A7 五、發明說明（4 ) ^ ---- 第二A圖；係為一收瞥 一 裳- R " 喝取襞置之外觀示意圖。 弟二B圖，係為一收 篱四円·枝σ ，、响續取震置之操作狀態示意圖。 罘四圖，係顯示使用行重 ^ 丁助电話手機進行快速付款之人機界 面乾例。 第五圖··係本發明之利㊣ 〜用仃動通訊設備之即時付款方法之 另一實施例的流程圖。 第六圖··係本發明之利用 用仃動通訊設備之即時付款方法之 再一實施例的流程圖。 弟七圖，係以一行動雷兮主_π 力私逢手機作為一收費端讀取裝置之外 觀示意圖。 第八圖：係本發明之剎 - 仃動通訊設備之即時付款方法運i ^ i > ^ 1 immm ϋ ϋ n ϋ n ϋ ϋ n I ϋ ϋ 1 ϋ ϋ ϋ ϋ ^ 1 ^ 1 ϋ ί ^ 1 ϋ ^ 1 ^ 1 ^ 1 ^ 1 1 I ϋ I A7 V. Description of the invention (4) ^ ---- The second A picture; it is a sketch of the appearance of R " The second figure B is a schematic diagram of the operating state of one hedge, four ridges, and branches σ, and a continuous vibration setting. The four figures show the human-machine interface examples of quick payment using the mobile phone ^ Ding help phone. The fifth figure is a flowchart of another embodiment of the instant payment method using a mobile communication device. Fig. 6 is a flowchart of still another embodiment of the instant payment method using a mobile communication device of the present invention. Figure 7 is a schematic diagram of the appearance of a mobile phone with a mobile phone as the reading device of a charging terminal. Figure 8: This is the brake of the present invention-instant payment method for mobile communication equipment
用於小額計時性符喾、A r付費又貫施例的流程圖。 【圖號説明】 (1 〇 )行動通訊設備 (111 )條碼 (1 2 1 )條碼^ jf目苗機 (123 )螢幕 (12 5)網路連接埠 (1 2 6 ) ( 1 2 7 )識別卡插槽 (1 3 )電腦伺服端 (1 4 )電話公司 (1 6 )銀行 (7 1 )條碼掃目苗元件 1本紙張尺度適用中國國家標準（CNS)A4規格 (11 )行動電話手機 (12 )收費端讀取裝置 (122 )鍵盤 (1 2 4 )紅外線接收端 (1 3 1 )帳管資料庫 (1 5 )行動電話網路 (1 9 )行動通訊網路 (7 2 )紅外線接收器 經濟部智慧財產局員工消費合作社印製 (請先閱讀背面之注咅3事項再填寫本頁) I _ * ^1 ϋ n i_i ϋ I n ϋ I I ^1 I ϋ ϋ H I ϋ ^1 ϋ ϋ H ϋ ϋ ϋ ϋ H ϋ I I ϋ ϋ ϋ .The flowchart is used for small time-keeping character 喾, Ar payment and implementation. [Illustration of drawing number] (1 〇) Mobile communication equipment (111) Bar code (1 2 1) Bar code ^ jf mesh seedling machine (123) Screen (12 5) Network port (1 2 6) (1 2 7) identification Card slot (1 3) Computer server (1 4) Telephone company (1 6) Bank (7 1) Bar code scanning seedling element 1 This paper size applies to China National Standard (CNS) A4 specification (11) Mobile phone handset ( 12) Charging terminal reading device (122) keyboard (1 2 4) infrared receiving terminal (1 3 1) account management database (1 5) mobile phone network (19) mobile communication network (7 2) infrared receiver Printed by the Consumer Cooperative of the Intellectual Property Bureau of the Ministry of Economic Affairs (please read Note 3 on the back before filling out this page) I _ * ^ 1 ϋ ϋ ϋ ϋ H ϋ II ϋ ϋ ϋ.
【較佳具體實施例之詳細説明】 495692 五、發明說明（夂） 第一圖係顯示本發明之利用行動通訊設備之即時付款 系統之架構圖，其係以利用使用者之行動通訊設備10、商 家之收費端讀取裝置12、及遠端的電腦伺服端13，配合 電話公司14之行動通訊網路19及銀行16之連線，以讓使 用者可以面對面且安全方便的方式，進行電子商務之交 易，其中，該行動通訊設備10係可為行動電話手機、行動 PDA、具回應功能之呼叫器等，於本較佳實施例中，該行 動通訊設備1 〇為一行動電話手機丨丨，而該行動通訊網路 1 9則相應為一行動電話網路丨5，該行動電話手機1 1對應 有一代表使用者個人之帳號，該收費端讀取裝置丨2係用以 暝取及顯示交易資料，並可讀取該使用者之行動電話手機 1 1所對應之帳號，該遠端電腦伺服端1 3則係與該收費端 謂取裝置1 2連線，以接收由該收費端讀取裝置丨2所讀取 之帳號及對應之交易資料，經確認該帳號之正確性及交易 資料之有效性後，透過電話公司丨4之行動電話網路丨5呼 叫該使用者之行動電話手機丨丨，以藉由該行動電話手機 1 1之顯示而告知使用者該交易資料，俾由使用者利用該行 動電活手機1 1予以確認而完成交易，並可由電話帳單或銀 行1 6之相關帳户扣除該交易之金額。 月ϋ述之帳號係較佳地以條碼u丨之型式貼附於該行動 電話手機1 1上，而該收費端讀取裝置1 2則具有一條碼掃 瞒機1 2 1以讀取該條碼丨u，藉以輸入該帳號，此外，該 帳號並可由使用者口述輸入，或由該行動電話手機丨u以 .·1.---:----------___I (請先閱讀背面之注意事項再填寫本頁) ·11111 線丨t 經濟部智慧財產局員工消費合作社印製 本紙張尺度適用中國國家‘準（CNS)A4規格⑵G x 297匕髮)-- 經濟部智慧財產局員工消費合作社印製 495692 A7 ^ 2, 111 —- 五、發明說明（^) 紅外線訊唬之型式發射出來，而該收費端讀取裝置丨2則對 應具有一紅外線接收器（圖中未示）以讀取該紅外線訊 唬，或是將该帳唬記錄在一對應於該行動電話手機丨丨之卡 片上，該卡片可為磁帶卡、IC卡、非接觸式現圈感應資料 卡片（Contactedless IC Card)，或記錄在小型線圈晶 片（如同寵物識別晶片），而該收費端讀取裝置i 2則需具 有相應之碩卡或感應設備。又該收費端讀取裝置丨2較佳地 並具有鍵盤122與螢幕123，以供鍵入及顯示一筆或多筆 交易資料。 削述代表帳號之條碼1 1 1係可由使用者自行列印，其 較佳之實施方式係由使用者在提供該快速付款系統之公司 所设置之網站上輸入所屬之帳號及密碼以列印之。 而關於採用前述系統之即時付款方法之詳細步騾，則 f Μ參照第二圖之流程，其係以在超商、加油站、超市等 營業場所進行交易為例説明，首先，當使用者欲結帳時， 於步騾S1中，以口述其帳號供收銀員輸入該收費端讀取裝 置1 2，或較佳地提供該條碼i丨丨給收銀員掃瞄，收銀員以 Μ條碼掃瞄機i 2丨讀取該條碼丨丨i以輸入帳號，同時亦輸 ^所消費金額，在鍵盤122上按下「確認」後，該帳號及 父易資料即送出至遠端電腦伺服端丨3，此外，該等資料亦 同時顯示於螢幕i 23上，俾供收銀員瞭解交易處理之狀 況0 於步驟S 2中，遠端電腦伺服端丨3收到訊息後，將核 對帳官資料庫1 3 1，以判斷該帳號是否為正確且有用 ----------I I I I ------ - -訂---------線 (請先閱讀臂面之注音3事項再填寫本頁)[Detailed description of the preferred embodiment] 495692 V. Description of the invention (i) The first diagram is a structural diagram of the instant payment system using a mobile communication device of the present invention, which utilizes the user's mobile communication device 10, The merchant's charging terminal reading device 12 and the remote computer server 13 cooperate with the connection of the mobile communication network 19 of the telephone company 14 and the bank 16 to allow users to conduct e-commerce in a face-to-face, safe and convenient manner. Transactions, in which the mobile communication device 10 can be a mobile phone handset, a mobile PDA, a pager with a response function, etc. In the preferred embodiment, the mobile communication device 10 is a mobile phone handset, and The mobile communication network 19 corresponds to a mobile phone network 5 and the mobile phone handset 11 corresponds to an account representing a user's individual. The charging terminal reading device 2 is used to capture and display transaction data. And can read the account number corresponding to the mobile phone handset 1 1 of the user, and the remote computer server 13 is connected to the charging terminal 1 2 to receive After reading the account number and corresponding transaction data read by the charging device 丨 2, after confirming the correctness of the account number and the validity of the transaction data, call the user's account via the mobile phone network of the telephone company 丨 4 Mobile phone handset 丨 丨 to inform the user of the transaction information by displaying the mobile phone handset 1 1, the user can use the mobile phone 11 to confirm the transaction and complete the transaction, and can be done by phone bill or bank The relevant account of 16 deducts the amount of the transaction. The account number described in the month is preferably attached to the mobile phone handset 1 1 in the form of a barcode u 丨, and the charging terminal reading device 12 has a code scanning device 1 2 1 to read the barcode丨 u to enter the account number. In addition, the account number can be dictated by the user or from the mobile phone 丨 u with. · 1 .---: ----------___ I (Please first (Please read the notes on the back and fill in this page.) · Line 11111 t Printed by the Employees' Cooperatives of the Intellectual Property Bureau of the Ministry of Economic Affairs This paper is printed in accordance with the Chinese National Standard (CNS) A4 (G x 297) (Intelligent Property of the Ministry of Economic Affairs) Printed by the Bureau ’s Consumer Cooperative 495692 A7 ^ 2, 111 —- V. Description of the Invention (^) The infrared signal is emitted, and the toll reading device 丨 2 correspondingly has an infrared receiver (not shown in the figure) ) To read the infrared signal, or record the account on a card corresponding to the mobile phone handset, the card can be a tape card, IC card, non-contact current circle induction data card (Contactedless IC Card), or recorded on a small coil chip (like a pet identification chip) Chip), and the charging end reading device i 2 needs to have a corresponding master card or inductive device. The charging terminal reading device 2 preferably has a keyboard 122 and a screen 123 for entering and displaying one or more transaction data. The bar code representing the account number 1 1 1 can be printed by the user. The preferred embodiment is that the user enters the account number and password for printing on the website set by the company that provides the fast payment system. As for the detailed steps of the instant payment method using the aforementioned system, f Μ refers to the flow of the second diagram, which is described by taking transactions at business locations such as supermarkets, gas stations, and supermarkets as an example. First, when a user wants At checkout, in step S1, dictate its account number for the cashier to enter the charging terminal reading device 12 or preferably provide the barcode i 丨 丨 to scan the cashier, and the cashier scans with the M barcode Machine i 2 丨 read the barcode 丨 丨 i to enter the account number, and also enter the amount spent. After pressing “Confirm” on the keyboard 122, the account number and the parent data will be sent to the remote computer server 丨 3 In addition, these data are also displayed on the screen i 23 at the same time, for cashiers to understand the status of transaction processing. 0 In step S2, the remote computer server 丨 3 will check the accountant database 1 after receiving the message. 3 1, to determine whether the account is correct and useful ---------- IIII --------Order --------- line (Please read the phonetic notation first (Please fill in this page for 3 items)
經濟部智慧財產局員工消費合作社印製 Α7 Β7 五、發明說明（^ ) (Active)之抑胳 ,^ ^ n琥。如否，則電腦伺服端1 3回復訊息給 收銀櫃置上的收費端讀取裝置12 (步驟S3)，以由勞幕 1、2、3,顯：説明因帳號錯誤而導致交易被拒絕。如步騾S2 《判斷為疋，則執行步驟S4，進人帳管資料庫以核對交易 金額是否可以接受（可用餘额或信用额度），此時，該電 腦词服端13可向該帳號所屬之銀行16或電話公司14^ 八可用餘額或仏用額度是否足夠，俾以及確認交易 有效性。 ^ 如步驟S 4之判斷為否，則電腦伺服端i 3回復訊息給 收銀櫃臺上的收費端讀取裝置12 (步驟S3)，以由^ 123之顯示説明因餘額不足而導致交易被拒㉟。如步驟^ 之判斷為是，則執行步驟S5以判斷交易金額是否高於:預 «又之小頭人易」，如是，則於步驟s 6中，電腦词服端 13送出訊息至電話公司14的機房電腦，以透過行動電話 網路1 5傳送一個詢問訊息給該使用者之行動電話=機 11，菽詢問訊息包含「是否願意付費」、「交易金額是否 正確」等資訊，並同時要求使用者輸入個人識別2碼 (PIN )。如步驟S 5之判斷為否，則交易之金額較小，: 此，於步驟S7中，不要求使用者輸入個人識別號: 餘之詢問則相似於步騾S 6 ◦ /、 於步驟S 6、S 7之後的步騾S 8中，使用者之行動兩 手機1 1將收到電話公司1 4送來的詢問，俾供 ” 1更用者判斷 金額與交易事件是否眞實發生而非冒用，如係錯誤，目I ^ 用者在行動電話手機1 1上輸入，，NO”拒絕符私 /、】使 、、、何#人（步驟 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 2Θ7公釐） ϋ ϋ n ϋ · n ϋ I n 1 I ·ϋ I n ϋ ϋ ϋ .ϋ I I n ϋ ϋ ϋ I ^1 ϋ I ι (請先閱讀背面之注意事項再填寫本頁) A7 五、發明說明（殳） ^料取並裝透Γ腦飼服端13回復訊息給收銀檀臺上的收 传 2 (步驟S3 )，以由螢幕123之顯示説明因 使用者拒付而料^被拒絕。 如使用者判斷金額與交易事件確為眞實，則使 手機上輸入” YES，，，十^ π h 驟川），而 或+也同時輸入ΡΙΝ，以同意付款（步 ^ 订動兒居網路1 5將訊息回復給電話公司 Α勹1 4再將汛息回復給上述的遠端電腦伺服端 13° 、欠而遠响屯恥伺服端丨3於收到訊息後即更改存在其帳管 資=庫⑴中該使用者的資料，以便自擁有該遠端電腦飼 服端13之科技公司内部所對應之使用者帳號扣款（步驟 s 1 1 )’同時亦可通知電話公司i 4以將交易之金額記载於 該行動電話手機之帳單上或是預付帳户扣除，亦可通知銀 行16以將交易之金額由使用者的銀行帳户或信用卡帳户扣 款，此外，該遠端電腦伺服端13並發出一個訊息回復給收 銀櫃臺上的收費端輸入裝置12以説明交易被接受（步驟 S12 ) 〇 第三A圖顯示前述之收費端讀取裝置12之實例，其 中，紅外線接收端124為用以接收代表帳號之紅外線= 號，該紅外線訊號由使用者較佳地以行動電話手機發射給 予’或由其它小型紅外線發射設備發射給予。而網路連接 埠1 2 5則提供與該電腦伺服端1 3之連接界面，其較佳地透 過加値網路專線而連接至該電腦伺服端13，此外，亦可係 透過網際網路、行動電話網路或無線區域網路（如Biw 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297¾釐） (請先閱讀背面之注咅？事項再填寫本頁) Φ 訂---------線· 經濟部智慧財產局員工消費合作社印製 495692 經濟部智慧財產局員工消費合作社印製 A7 五、發明說明（q)Printed by the Consumer Cooperatives of the Intellectual Property Bureau of the Ministry of Economic Affairs Α7 Β7 V. Instruction of the Invention (^) (Active), ^ ^ n Hu. If not, the computer server 13 responds a message to the charging terminal reading device 12 placed on the cash register (step S3), and displays 1,2,3, indicating that the transaction was rejected due to an account error. If step S2 is judged as 疋, then step S4 is executed to enter the account management database to check whether the transaction amount is acceptable (available balance or credit limit). At this time, the computer word server 13 can report to the account Bank 16 or Telephone Company 14 ^ 8 whether the available balance or credit limit is sufficient, and confirm the validity of the transaction. ^ If the judgment of step S 4 is no, the computer server i 3 responds to the charging terminal reading device 12 on the cashier counter (step S3), and the display of ^ 123 indicates that the transaction was rejected due to insufficient balance ㉟ . If the judgment of step ^ is YES, then step S5 is performed to determine whether the transaction amount is higher than: «Your little head is easy again". If so, in step s6, the computer server 13 sends a message to the telephone company 14 Computer in the computer room to send an inquiry message to the user ’s mobile phone = machine 11 through the mobile phone network 15; the inquiry message contains information such as "Will you be willing to pay" and "Is the transaction amount correct?" The person enters a personal identification number 2 (PIN). If the judgment of step S 5 is no, then the transaction amount is small: Therefore, in step S 7, the user is not required to enter a personal identification number: The rest of the inquiry is similar to step 骡 S 6 ◦ /, in step S 6 Steps after S7. In S8, the user ’s mobile phone 11 will receive an inquiry from the telephone company 14 and provide a confession. 1. The user judges whether the amount and transaction event actually occurred instead of fraud. If it is wrong, the user enters it on the mobile phone 1 1, “NO” refuses to sign the private /,] ,,,, and # people (steps This paper size applies Chinese National Standard (CNS) A4 specifications ( 210 X 2Θ7 mm) ϋ ϋ n ϋ · n ϋ I n 1 I · ϋ I n ϋ ϋ ϋ .ϋ II n ϋ ϋ ϋ I ^ 1 ϋ I ι (Please read the precautions on the back before filling this page) A7 V. Description of the invention (殳) ^ Obtain and fill in the Γ brain feeding end 13 reply message to the receipt 2 on the cash register (step S3), so that the display on the screen 123 indicates that the user refused to pay. ^ Rejected. If the user judges that the amount and the transaction event are true, then the user enters "YES ,,, ten ^ π h Su Chuan) on the mobile phone, or or + Also enter PIN at the same time to agree to the payment (step ^ subscribe to the children's home network 1 5 to reply the message to the telephone company A 勹 1 4 and then return the flood interest to the above-mentioned remote computer server 13 °, owing but far away After receiving the message, the Tun server 3 changes the user's data stored in its account management account = library, in order to deduct the corresponding user account from the internal company of the technology company that owns the remote computer feed server 13. (Step s 1 1) 'At the same time, the phone company i 4 can be notified to record the transaction amount on the mobile phone's mobile phone bill or a prepaid account, and the bank 16 can be notified to reduce the transaction amount from The user's bank account or credit card account is debited. In addition, the remote computer server 13 sends a message to the charging terminal input device 12 on the cashier counter to indicate that the transaction is accepted (step S12). Third A The figure shows an example of the aforementioned charging terminal reading device 12, wherein the infrared receiving terminal 124 is used to receive an infrared = signal representing a representative account number, and the infrared signal is preferably given by the user through a mobile phone handset or other small The infrared emitting device emits and gives. The network port 1 2 5 provides a connection interface with the computer server 13, which is preferably connected to the computer server 13 through a dedicated network cable. In addition, it can also It is through the Internet, mobile phone network or wireless LAN (such as Biw This paper size is applicable to the Chinese National Standard (CNS) A4 specification (210 X 297¾%)) (Please read the note on the back? Matters before filling out this page ) Order --------- Line · Printed by the Consumer Cooperative of the Intellectual Property Bureau of the Ministry of Economic Affairs 495692 Printed by the Consumer Cooperative of the Intellectual Property Bureau of the Ministry of Economic Affairs A7 V. Invention Description (q)
Teeth)而連接至該電腦伺服端13，又該收費端讀取裝置 1 2並較佳地具有兩個識別卡插槽丨2 6及丨2 7，其中一插槽 126係用以插設商店識別卡，以供識別及設定該收費端‘ 取裝置12給特定之商家使用，而另一插槽127係用以插設 =員代碼卡，以供識別操作該收費端讀取裝置12之收銀 二員，又第三B圖進-步説明該收費端讀取裝置以操作狀 態，其顯示在處理交易時，勞幕123上可依序顯示多筆交 易之交易狀態，俾供收銀員方便快速地操作該收費端讀取 裝置1 2。 前述之電腦伺服端13係可由提供該行動電話手機門號 《電話公司所擁有’或是—銀行所擁有，或是為—獨立經 營所述之快速付款系統之科技公司所擁有，俾以整合各家 不同的電話公司或是各家不同銀行的客户。而對用户扣钦 之方式便可由已經存在的銀行信用卡、銀行帳户、電衫 司帳單、電話公司預付款帳户、建立在科技公司的預付帳 尸、或建亙在科技公司的信用帳户中來予以扣除。 _又在前述之快速付款系統中，該行動電話手機U與該 黾月甸飼服端1 3之訊息傳送得诱讲一 A 透過仃動電話網路1 5之簡訊 傳送或 WAP ( Wireless Applicat· 而、# > . ^ tl〇n Protocol )協定 而進订，而無需進行撥號連線。 而為讓使用者能簡易地操作行動電話手機^以進行上 返之快速付款方法，該行動電每丰挺 , 手機11較佳地設置有一小 庫人m以提供適當之人機界面功能， ^ 如罘四圖所示，其詔明 利用該軟體以選擇快速付款之服務 、 I私，且將交易之場所及金 泰紙ifc尺度_㈣，辟（CNS)A_4規格（21G χ 2971^^ n I · —^1 ^1 ^1 ϋ ϋ ϋ I i^i I I 1 I ϋ n ϋ i«i 1 >^i ϋ n mmmme i^i a^i I ϋ —ϋ _ϋ ·ϋ 1.1 I (請先閱讀背面之注意事項再填寫本頁) A7 跑3·Teeth) is connected to the computer server 13 and the toll reading device 12 and preferably has two identification card slots 丨 2 6 and 丨 27, of which one slot 126 is used to install a store An identification card for identifying and setting the charging terminal 'fetching device 12 for use by a specific merchant, and another slot 127 is used to insert a staff code card for identifying and operating the cash register of the charging end reading device 12 The second member and the third figure B further explain the operating status of the charging terminal reading device, which displays the transaction status of multiple transactions in sequence on the labor curtain 123 when processing transactions, which is convenient and fast for cashiers. The charging terminal reading device 12 is operated in a grounded manner. The aforementioned computer server 13 may be owned by a technology company that provides the mobile phone ’s mobile phone number "owned by the telephone company" or-owned by a bank, or-a company that operates the fast payment system described independently. Different phone companies or customers from different banks. The method of deducting users can be established by the existing bank credit card, bank account, shirt company bill, telephone company prepayment account, prepaid account established in the technology company, or credit card established in the technology company. Deducted from the household. _In the aforementioned quick payment system, the message of the mobile phone U and the feed station 1 3 of the mobile phone was transmitted to induce A A through the SMS transmission of the mobile phone network 15 or WAP (Wireless Applicat · However, # >. ^ Tl0n Protocol) can be ordered without dial-up connection. In order to allow the user to easily operate the mobile phone ^ for fast return payment, the mobile phone 11 is preferably provided with a small library of people m to provide appropriate human-machine interface functions. As shown in the four pictures, it clearly uses the software to select the service of fast payment, private use, and the place of transaction and Jintai paper ifc standard _㈣, （(CNS) A_4 specifications (21G χ 2971 ^^ n I · — ^ 1 ^ 1 ^ 1 ϋ ϋ ϋ I i ^ i II 1 I ϋ n ϋ i «i 1 > ^ i ϋ n mmmme i ^ ia ^ i I ϋ —ϋ _ϋ · ϋ 1.1 I (Please read first (Notes on the back then fill out this page) A7 Run 3.
不在仃動電話手機11上之情形，俾供使用者清楚地睁 解叉易之狀況，並以行動電令丰嫩"、m 疋暌 今、 仃動％忐手機11惑按鍵進行選擇及確 涊<操作，而該軟體則係可儲存於該行動電話手機丨丨之 Μ卡中，或疋行動電話手機i丨之記憶體中。 495692 五、發明說明（丨〇 ) 本發明之快速付款方法不限於使用在超商、加油站、 超平等營業場之交易，第五圖説明其用於在購物網站上欲 支付現金或k用額度之流程圖，第六圖則説明其在自動販 賣，、售票機、停車場付費機、ATM提款機等自動機器 上欲支付現金或信用額度之流程圖，上述流程與所述之實 施例的差異僅在步驟S1，及S1，，中，使用者係提供帳號給 網站（付款網頁或自動機器，而非檀臺之收銀員，亦即由 =員所操作之收費端讀取裝置12係成為網際網路之網站 電腦、或具有掃瞄裝置或紅外線讀取裝置之自動販賣機、 售票機、停車場付費機、ATM提款機等。此外，如第七 圖所示，該收費端讀取裝置12亦可一具有條碼掃瞒元件 71以及一紅外線接收器72之行動電話手機，如此可將哕 收費端手機當作一行動式之收費端讀取裝置，藉由按鍵 入、掃瞄元件71對帳號條碼之掃瞒、或紅外線接收器^ 接收代表帳號之紅外線訊號，可讀取使用者之行動電;手 機11所對應之帳號，亦能進行本發明之快速付款方: 由於孩收費端手機與使用者之行動電話手機丨丨可透過行重 電話網路通訊，因此，藉由使用者透過行動電話網路2 知之帳號，而在收費端手機上以按鍵輸入，可達成兩0 不同之地點亦可進行交易之效果。 ‘紙張尺度適用中國國家標準（CNS)A4規格（210 X 2971会釐）一 --------tr---------, (請先閱讀背面之注意事項再填寫本頁) 經濟部智慧財產局員工消費合作社印製 495692 經濟部智慧財產局員工消費合作社印製 A7 五、發明說明（M ) 此外，本發明之快速付款方法亦可料小額之計時性 θ ^例如&在服務結束時才進行付款之停車計時器或 疋叶時付費之網路應用終端設備之使用等，參照第八圖所 於進行此類交易時，使用者首先係以其行動電話手機 /，至由掃瞒或紅外、線讀取之方式將帳號給計時付費機器， 忒，唬即达出至遠端電腦㈤服端i 3 (步驟S 8 _"，而於 = = 中，遠端電腦伺服端13收到訊息後，將核對帳 味斗庫1 3 1，以判斷该帳號是否為正確且有用之代號。 如否，則電腦伺服端13回復訊息給計時付費機器説明因帳 絲誤而導致交易被拒絕（步驟S8_3)。如步驟Sr]之 判是，則電腦伺服端13送出訊息至電話公司Μ的機 房電腦’以透過行動電話網路15傳送—個詢問訊息給該使 用^之行動電話手如，以詢問使用者是否進行計時付費 之交易，並或同時要求使用者輸入PIN (步驟S8_4)。” 於步驟S8-4之後的步驟S8_5中，使用者之行動電話 手機1 1將收到電話公司i 4送來的詢問，俾供使用者判斷 計時付費之交易事件是否眞實發生而非冒用，如係錯誤， 則使用者在行動電話手機n上輸入”N〇”拒絕付款（步驟 S 8 - 6 )，並透過電腦伺服端丨3回復訊息給計時付費機器 (步驟S8-3)，以説明因使用者拒付而導致交易被拒絕： 十時付費之交易事件確為眞貫，則使用者在手機上 輸入”YES”，或也同時輸入PIN，以同意交易（步驟S8_ 7 )，而經由行動電話網路15將訊息回復給電話公司μ， Μ氏張尺度適财關家標規格⑽x 297^楚） --------^--------- (請先閱讀背面之注意事項再填寫本頁) 五、發明說明（（i) 2話公司14再將訊息回復給上述的遠端電腦_ 俾通知該計時付費機器開始計時（步驟S8_8)。 令手：1 當二定Λ束計時服務時，使用者可經由操作行動$ 或計時付費機器以停止計# (步_ 費=即:停止計時之訊息傳至該她服^ ) “所㈣用（步驟S8_1〇)，再進行扣款作業（步驟 8 -1 1 )，此外，孩遠端電腦伺服端丨3 … 由以上之説明可知，本發明之快速付款方法及手统係 二而I:電話手機接到電腦飼服端透過行動電話網路所傳 驗證，甚至要求輸入piN，因：，各斤:: =到：偽與認證的功能，且使用者可 電工 =:達成進行面對面交易之目的，條若行動電話 子機m失，可以立即辨 ^ 有風險。此外，如為進目關之功能，所以沒 作，或妨止⑽外二免：咖N及輸一動 (Bi。⑽trics )訊息（例如指紋、：：匕'具有生物 能之行動電話手機，以直mm评識功 輸入=之動作，同财達成安全^易者之^果物❹而取代 •上所陳，本發明無論就目的 =:r!二一 為了便於説明而舉例而已，本發明所主張之權 495692 A7 __B7_ 五、發明說明（θ) 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0 (請先閱讀背面之注意事項再填寫本頁) 經濟部智慧財產局員工消費合作社印製 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297 ¥釐）The situation of not being on the mobile phone 11 is provided for users to clearly understand the situation of the forklift, and use mobile power to make the tender ", m 疋 暌 Today, 忐% 忐 the mobile phone 11 keys to select and confirm涊 < operation, and the software can be stored in the M card of the mobile phone handset, or in the memory of the mobile phone handset. 495692 V. Description of the invention (丨 〇) The fast payment method of the present invention is not limited to the use of transactions at supermarkets, gas stations, and super-equivalent business venues. The fifth figure illustrates its use for paying cash or credits on shopping websites. The flow chart and the sixth chart illustrate the flow chart of the cash flow or credit limit on automatic machines such as vending machines, ticket machines, parking lot payment machines, ATM cash machines, etc. The differences between the above process and the described embodiment Only in steps S1, and S1 ,, the user provides the account to the website (payment webpage or automatic machine, not the cashier of Tantai, that is, the charging terminal reading device 12 operated by the operator becomes the Internet A website computer on the Internet, or a vending machine with a scanning device or an infrared reading device, a ticket machine, a parking lot payment machine, an ATM cash machine, etc. In addition, as shown in the seventh figure, the charging terminal reading device 12 A mobile phone handset with a bar code scanning element 71 and an infrared receiver 72 can also be used as a mobile charging terminal reading device. The component 71 scans the account bar code, or the infrared receiver ^ Receives the infrared signal representing the account number, and can read the mobile phone of the user; the account number corresponding to the mobile phone 11 can also perform the fast payment of the present invention: due to child charges The end mobile phone and the user's mobile phone mobile phone can communicate through the mobile phone network. Therefore, by using the account that the user knows through the mobile phone network 2 and typing on the mobile phone at the charging terminal, two different 0 can be achieved. The place can also be traded. 'The paper size applies the Chinese National Standard (CNS) A4 specification (210 X 2971 Hui). -------- tr ---------, (Please Read the notes on the back before filling out this page) Printed by the Consumer Cooperative of the Intellectual Property Bureau of the Ministry of Economic Affairs, printed 495692 Printed by the Consumer Cooperative of the Intellectual Property Bureau of the Ministry of Economic Affairs, printed A7 V. Description of the invention (M) In addition, the fast payment method of the present invention can also be used The timing of a small amount of data θ ^ For example, & parking meter for payment only at the end of the service or the use of a network application terminal device that pays at the time of payment, etc. The user first uses his mobile phone / to obtain the account number to the time-paying machine by means of concealment or infrared or line reading. Then, he can reach the remote computer to serve the terminal i 3 (step S 8 _ " And in ==, after receiving the message, the remote computer server 13 will check the account of the taste bucket library 1 3 1 to determine whether the account number is correct and useful. If not, the computer server 13 responds The message to the time-paying machine explained that the transaction was rejected due to an incorrect account (step S8_3). If the judgment of step Sr] is yes, the computer server 13 sends a message to the computer of the telephone company M's computer room 15 through the mobile phone network 15 Send an inquiry message to the mobile phone user using ^, for example, to ask the user whether to conduct a time-based payment transaction, or at the same time ask the user to enter a PIN (step S8_4). In step S8_5 after step S8-4, the user's mobile phone 11 will receive an inquiry from the telephone company i 4 for the user to determine whether the transaction event of the timed payment has actually occurred instead of fraud. If it is wrong, the user enters "N〇" on the mobile phone n to reject the payment (step S 8-6), and returns a message to the time-payment device through the computer server 丨 3 (step S8-3) to explain The transaction was rejected due to the user's refusal to pay: The transaction event at 10 o'clock is indeed unsuccessful, then the user enters "YES" on the mobile phone, or also enters the PIN at the same time to agree to the transaction (step S8_7), and via The mobile phone network 15 will reply the message to the telephone company μ, M ’s scale standard suitable financial standard standard 家 x 297 ^ Chu) -------- ^ --------- (Please read the first Note: Please fill in this page again.) 5. Description of the invention ((i) Company 2 will then reply the message to the remote computer mentioned above. 俾 俾 Notify the timing and payment machine to start timing (step S8_8). Order: 1 When using the Λ Beam Timing Service, users can operate the mobile $ or timing pay machine器 以 止 算 ## (step_ fee = that: the message to stop timing is transmitted to her service ^) "All used (step S8_1〇), and then the deduction operation (step 8 -1 1), in addition, Terminal computer server 丨 3… As can be seen from the above description, the fast payment method and system of the present invention are two. I: The phone is received by the computer, and the terminal is verified by the mobile phone network. It even asks for piN, because :, Each catty :: = to: the function of pseudo and authentication, and the user can be an electrician =: to achieve the purpose of face-to-face transactions. If the mobile phone handset m is lost, it can be immediately identified ^ there are risks. In addition, if The function of the eye related, so did not do it, or you can stop the second two exemptions: coffee N and lose a move (Bi. ⑽trics) messages (such as fingerprints :: dagger 'mobile phone with bioenergy mobile phone, to evaluate the function with a straight mm The action of the input = replaces the ^ fruit of the ^ changer with the same wealth, and is replaced by the above. The present invention, regardless of the purpose =: r! For the sake of illustration, the example is just 495692 A7 __B7_ V. The scope of the description of the invention (θ) shall be as described in the scope of patent application. (Please read the precautions on the back before filling this page) Printed by the Employees' Cooperative of the Intellectual Property Bureau of the Ministry of Economic Affairs This paper is printed in accordance with Chinese National Standard (CNS) A4 (210 X 297 ¥ %)