505877 A7 B7 7047twf.doc/006 五、發明說明（\ ) 本發明是有關於一種可交易回應訊息類商品之方法’ 且特別是有關於一^種可在網路上直接父易回應訊息類問品 之方法。 在現在網路上的交易商品’多半是硬式商品，也就是 如網路上的跳蚤市場所交易之物品，是看得見、摸得著的 物品。但隨著時代的進步，很多東西，尤其是像知識、智 慧等，也都可在現今之社會上作爲交易標的，例如有買方 提出像是’’誰告訴我台北哪裡有好吃大碗的牛肉麵，我願意 花10元知道答案’’的問題，則就有賣方可提出這類的答案 給此買方，但就現在的父易過程而W，並沒有辦法提供一 個安全及方便的環境使買賣雙方可以安心的進行交易。 經濟部智慧財產局員工消費合作社印製 有鑒於此，本發明提出一種信用評等交易方法，可以 解決此類軟性商品的交易問題，使交易雙方可以快速且便 利的進行此類商品的交易，此信用評等交易之方法步驟包 括：讓詢問使用者在信用評等交易系統之平台中登錄詢問 息’接者’等待回應使用者在平台中供給有關詢問訊息 之回應訊息。當詢問使用者在收到回應訊息後，會給予回 應使用者一個評等分數，而信用評等系統會依據此評等分 數及回應使用者以往在資料庫中之信用品質分數紀錄，計 算出回應使用者應得之金額，並將此金額給予回應使用 者。 本發明又提出一種信用評等交易方法，係有關於多個 使用者利用信用評等交易系統交易訊息之方法，在此信用 評等系統中包括資料庫，而在此資料庫中包括使用者以往 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐） 505877 7 0 4 7 twf. doc/0 0 6 五、發明說明（2) 之信用品質分數紀錄。 此信用評等交易方法之步驟包括：讓詢問使用者在信 用評等交易系統之平台中登錄詢問訊息，接著，信用評等 交易系統會判斷詢問使用者之限制條件，等到回應使用者 連線上信用評等交易系統後，且欲回應詢問訊息時，則信 用評等交易系統會判斷回應使用者是否符合回應詢問訊息 之限制條件，若回應使用者與詢問使用者皆符合各自的限 制條件，則回應使用者可在平台中供給有關詢問訊息之回 應訊息，否則即結束詢問使用者及回應使用者之交易。 本發明又再次提出一種信用評等交易方法，此信用評 等交易方法之步驟包括：當有詢問使用者在收到交易階段 之回應訊息後，會給予回應使用者一個評等分數，若詢問 使用者在收到回應訊息後，在一定時間內並不給予回應使 用者一個評等分數，則信用評等系統會自動給予回應使用 者一個最高評等分數。接著，此信用評等系統會依據評等 分數或是最高評等分數，其中之一的評等分數，與回應使 用者以往在資料庫中之信用品質分數紀錄，計算出回應使 用者可得之金額，並將該金額給予此回應使用者。 經濟部智慧財產局員工消費合作社印製 爲讓本發明之上述和其他目的、特徵、和優點能更明 顯易懂，下文特舉較佳實施例，並配合所附圖式，作詳細 說明如下： 圖式之簡單說明： 第1圖繪示的是本發明之一流程圖； 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐） 505877 A7 B7 7〇47twf.doc/006 五、發明說明（>) 第2圖繪示的是本發明之一流程圖；以及 第3圖繪示的是本發明之一流程圖。 _號說明 步驟slOO至步驟si 16係本實施例之一施行步驟； 步驟s200至步驟s206係本實施例之另一施行步驟；以及 步驟s300至步驟s316係本實施例又另一施行步驟。 較佳實施例 請合倂參照第1圖及第2圖，其繪示的是依照本發明一 較佳實施例的一種信用評等交易方法，係有關於多個使用 者利用一種信用評等交易系統交易訊息之方法，在此信用 評等系統中包括有資料庫，而在此資料庫中包括使用者之 信用品質分數紀錄。 在本實施例中，係以時間爲主軸來依序操作，但如有 其他不依此順序而進行類似操作之方法，亦在本發明之保 護範圍內。 經濟部智慧財產局員工消費合作社印製 而在本實施例中之信用評等交易方法之步驟包括：步 驟slOO,詢問使用者（如買方），在信用評等交易系統之平 台中登錄詢問訊息，此詢問訊息包括問題內容、回應內容、 交易價格...等等，並設定回應使用者（如賣方）之限制條 件，其中，對此回應使用者之限制條件包括設定拒絕往來 表單、知識領域範圍、信用品質分數、交易數目限制及時 間限制等。 接著，當在步驟slOO,詢問使用者已在信用評等交易系 統之平台中提出所須之詢問訊息，則此系統會在步驟sl〇2 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐） 505877 A7 7〇47twf.doc/〇〇6 五、發明說明（+) 中判斷1此^問使用者之限制條件，如此使用者之帳戶是否 有足夠之金額作爲此交易之手續費，若有，才讓詢問使用 者繼續運用此系統，否則則結束此交易之進行。 i舉一例說明上述之描述，假設買方在步驟S100所登錄 β詢問訊息內容包括問題內容、回應內容、交易價格，而 問題內容爲，，誰能幫我算出在一付牌當中的Full House出現 機率’我要有計算公式和數字”，回應內容爲，，救命之恩沒 齒難忘”’交易價格爲20元。還有對回應使用者之限制條件 包括設定拒絕往來表單、知識領域範圍、信用品質分數、 交易數目限制及時間限制等。其中，如果欲回應詢問訊息 之回應使用者是在詢問使用者之拒絕往來表單中，則系統 就會不允許此回應使用者進行此交易，而如果回應使用者 的知識領域範圍也不在詢問使用者的問題領域中，則系統 也會不允許此回應使用者進行此交易，其中判斷回應使用 者之知識領域範圍與詢問使用者所要求之知識領域範圍是 否相符之方法，係比對詢問使用者所提出之知識領域範圍 是否包含部分回應使用者所擁有之知識領域範圍。 經濟部智慧財產局員工消費合作社印製 另外詢問使用者也會對回應此訊息之數目作限制，即 可能詢問使用者只要5個回應訊息，再多他就不要了，如果 回應時間也超過限定時間，則也不准回應使用者作回應， 最重要的，如果回應使用者以往在資料庫中的信用品質分 數紀錄並不夠高，也就是不在詢問使用者所要求的信用數 値範圍內，則也不允許此回應使用者作回應。 當在步驟sl08中，回應使用者符合上述之限制，則可在 6 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐） 505877 7047twf.doc/006 A7 B7 五、發明說明（$) 步驟sll2中的平台中，供給有關詢問訊息之回應訊息給詢問 使用者。同時在步驟si 14及si 16中，系統以獨立之帳戶處理 詢問使用者及回應使用者之帳務，之後進入評等階段步驟 s200至步驟s206。 當在步驟S204中的詢問使用者在收到回應訊息後，會在 一定時間內給予回應使用者一個評等分數，在本例中是假 設時間爲一天，若此詢問使用者在一天內沒有給予回應使 用者評等分數，則在步驟s202中，系統會視詢問使用者滿意 回應使用者之回應訊息而給予回應使用者一個最高評等分 數，而評等分數最高爲10，最低爲〇。 之後，在步驟s206中，信用評等系統會依據評等分數及 回應使用者以往在資料庫中之信用品質分數紀錄，計算出 回應使用者可得之金額，即在回應使用者的帳戶中會新增 一筆金額。且信用評等系統亦會在步驟s206中，依據評等分 數及回應使用者在資料庫中之信用品質分數紀錄，計算出 詢問使用者可獲得之回授金額，也就是詢問使用者對回應 使用者的評等分數沒有達到最高分的狀態下，信用評等系 統會將當初詢問使用者所付出之交易價格，回覆一些金額 給詢問使用者。另外，信用評等系統亦會依據回應使用者 存在資料庫中之評等分數及交易對象數目，更新回應使用 者在資料庫中之信用品質分數紀錄。 在上述之實施例中，亦可以是賣方登錄詢問訊息求買 的交易狀況，請參考第3圖，在步驟s300中，詢問使用者（如 爲賣方），在信用評等交易系統之平台中登錄詢問訊息， 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐） 請 先 閱 讀 背 面 之 經濟部智慧財產局員工消費合作社印制衣 注 意 事L 項 h 再i505877 A7 B7 7047twf.doc / 006 V. Description of the invention (\) The present invention relates to a method for tradably responding to information-type commodities', and in particular, to a ^ type of products that can be directly responded to information on the Internet Method. Most of the goods traded on the Internet today are hard goods, that is, items such as those traded on a flea market on the Internet are visible and tangible items. However, with the progress of the times, many things, especially knowledge and wisdom, can also be used as the subject of transactions in today's society. For example, a buyer puts forward something like `` Who tells me where there is a large bowl of beef in Taipei? On the other hand, I would like to spend 10 yuan to know the answer to the question, then the seller can put forward this kind of answer to the buyer, but in terms of the current process, there is no way to provide a safe and convenient environment for trading. Both parties can trade with peace of mind. Printed by the Consumer Cooperative of the Intellectual Property Bureau of the Ministry of Economic Affairs in view of this, the present invention proposes a credit rating transaction method, which can solve the transaction problem of such soft commodities, so that both parties to the transaction can quickly and conveniently trade such commodities. The method steps of the credit rating transaction include: asking an inquiring user to register an inquiry information 'receiver' in the platform of the credit rating transaction system and waiting for a response user to provide a response message regarding the inquiry information in the platform. When the inquiring user receives a response message, the responding user will be given a rating score, and the credit rating system will calculate the response based on this rating score and the previous user's credit quality score record in the database. The amount due to the user, and this amount is given to the responding user. The present invention also proposes a credit rating transaction method, which relates to a method for a plurality of users to use a credit rating trading system to trade information. The credit rating system includes a database, and the database includes the user's past This paper size applies to the Chinese National Standard (CNS) A4 specification (210 X 297 mm) 505877 7 0 4 7 twf. Doc / 0 0 6 5. Description of the credit quality score of the invention description (2). The steps of this credit rating transaction method include: asking an inquiry user to register an inquiry message in the platform of the credit rating transaction system, and then the credit rating transaction system will determine the restrictions of the inquiry user and wait until the response user connects After the credit rating transaction system and want to respond to the inquiry message, the credit rating transaction system will determine whether the responding user meets the restrictions for responding to the inquiry message. If both the responding user and the inquiring user meet the respective restrictions, then The responding user can provide a response message about the inquiry message in the platform, otherwise the transaction of inquiring the user and responding to the user is ended. The present invention again proposes a credit rating transaction method. The steps of the credit rating transaction method include: when an inquiring user receives a response message at the transaction stage, the responding user will be given a rating score. After the responder receives the response message and does not give the responding user a rating score for a certain period of time, the credit rating system will automatically give the responding user a highest rating score. Then, this credit rating system will calculate the scores available to the responding users based on one of the rating scores or the highest rating score, and the credit quality score records of the responding users in the database in the past. Amount, and give that amount to this responding user. Printed by the Consumer Cooperatives of the Intellectual Property Bureau of the Ministry of Economic Affairs to make the above and other objects, features, and advantages of the present invention more comprehensible, the preferred embodiments are described below in detail with the accompanying drawings, as follows: Brief description of the drawings: Figure 1 shows a flowchart of the present invention; this paper size applies the Chinese National Standard (CNS) A4 specification (210 X 297 mm) 505877 A7 B7 7〇47twf.doc / 006 5 2. Description of the Invention Fig. 2 shows a flowchart of the present invention; and Fig. 3 shows a flowchart of the present invention. _ # Description Steps s100 to si 16 are one of the steps of this embodiment; steps s200 to s206 are another step of this embodiment; and steps s300 to s316 are yet another step of this embodiment. For a preferred embodiment, please refer to FIG. 1 and FIG. 2, which show a credit rating transaction method according to a preferred embodiment of the present invention, which is related to a plurality of users using a credit rating transaction. The method of system transaction information includes a database in this credit rating system, and the user's credit quality score record is included in this database. In this embodiment, the operations are performed sequentially with time as the main axis, but if there are other methods for performing similar operations not in this order, it is also within the protection scope of the present invention. The steps of the credit rating transaction method printed by the employees' cooperatives of the Intellectual Property Bureau of the Ministry of Economic Affairs in this embodiment include: step 100, asking a user (such as a buyer), and registering an inquiry message on the platform of the credit rating transaction system, This inquiry message includes the content of the question, the content of the response, the transaction price, etc., and set the restrictions for the responding user (such as the seller). Among them, the restrictions for the responding user include setting the rejection form, the scope of the knowledge area , Credit quality score, number of transactions, and time limit. Next, when the user is asked in step sl100 that the required inquiry information has been provided in the platform of the credit rating trading system, the system will follow the Chinese standard (CNS) A4 specification (210 X 297 mm) 505877 A7 7〇47twf.doc / 〇〇6 V. In the description of the invention (+) judge 1 this ^ ask the user for restrictions, so whether the user's account has sufficient amount as the procedure for this transaction Fee, if there is, let the inquiring user continue to use this system, otherwise it will end the transaction. I give an example to explain the above description. Assume that the content of the β inquiry message registered by the buyer in step S100 includes the content of the question, the content of the response, and the transaction price. "I want to have a formula and numbers", the response is, "The life-saving grace is memorable" "The transaction price is 20 yuan. There are also restrictions on responding to users, including setting a rejection form, a range of knowledge areas, a credit quality score, a limit on the number of transactions, and a time limit. Among them, if the responding user who wants to respond to the inquiry message is in the rejecting contact form of the inquiring user, the system will not allow the responding user to conduct the transaction, and if the responding user's knowledge area is not inquiring the user In the problem area of the system, the system will not allow this responding user to conduct this transaction. The method of determining whether the scope of the knowledge area of the responding user is consistent with the scope of the knowledge area requested by the user is compared with the method of asking the user. Does the proposed scope of the knowledge domain include a partial response to the scope of the knowledge domain owned by the user. Printed by the Consumer Cooperative of the Intellectual Property Bureau of the Ministry of Economic Affairs. In addition, the user will also be limited in the number of responses to this message, that is, the user may be asked as long as there are 5 response messages, and he will not have to. If the response time exceeds the time limit , It is also not allowed to respond to the user to respond. Most importantly, if the previous user ’s credit quality score record in the database is not high enough, that is, it is not within the range of the credit number requested by the user, then This responding user is not allowed to respond. When the responding user meets the above restrictions in step sl08, the Chinese national standard (CNS) A4 specification (210 X 297 mm) can be applied to 6 paper sizes 505877 7047twf.doc / 006 A7 B7 V. Description of the invention ( $) In the platform in step sll2, a response message related to the inquiry message is provided to the inquiry user. At the same time, in steps si 14 and si 16, the system handles inquiring the user and responding to the user's account with a separate account, and then enters the evaluation stage from step s200 to step s206. When the inquiring user in step S204 receives a response message, the responding user will be given a rating score within a certain period of time. In this example, it is assumed that the time is one day. If the inquiring user does not give it within one day, The response user ’s rating score, in step s202, the system will give the responding user a highest rating score based on the inquiry user ’s satisfaction with the response message from the responding user, with the highest rating score being 10 and the lowest being 0. Then, in step s206, the credit rating system will calculate the amount available to the responding user based on the rating score and the previous credit quality score record of the responding user in the database. Add a new amount. And in step s206, the credit rating system will calculate the amount of feedback available to the querying user based on the rating score and the credit quality score record of the responding user in the database, that is, asking the user to use the response In the state where the rating score of the user has not reached the highest score, the credit rating system will initially ask the user for the transaction price paid, and will reply some amount to the querying user. In addition, the credit rating system also updates the credit quality score records of the responding users in the database based on the rating scores and the number of transaction objects in the database of the responding users. In the above embodiment, the transaction status of the seller's login inquiry message can also be referred to. Please refer to FIG. 3. In step s300, ask the user (if it is the seller) to log in to the platform of the credit rating trading system. Enquiry message: This paper size is in accordance with Chinese National Standard (CNS) A4 (210 X 297 mm). Please read the Notice on Printing of Clothing Cooperatives of Employees ’Cooperatives of the Intellectual Property Bureau of the Ministry of Economic Affairs on the back.
505877 7 0 4 7 twf. do c/ 0 0 6 A7 B7 五、發明說明（G) 此詢問訊息包括問題內容、回應內容、交易價格…等等， 並設定回應使用者（如爲買方）之限制條件，其中，對買 方之限制條件包括設定知識領域範圍、拒絕往來表單等。 接著，當在步驟S300,賣方已在信用評等交易系統之平 台中提出所須之詢問訊息，則此系統會在步驟83〇2中判斷此 賣方之帳戶是否有足夠之金額作爲此交易之手續費，若 有，才讓詢問使用者繼續進行此交易，否則則結束此交易 之進行。 茲舉一例說明上述之描述，假設賣方在步驟s3〇〇所登錄 之詢問訊息內容包括問題內容、交易價格，而問題內容爲” 我知道明天的飆股”，交易價格爲20元，回應訊息爲，，華碩，，。 另外，對買方之限制條件包括設定知識領域範圍等， 如果買方的知識領域範圍不在賣方的訊息領域中，則買方 將無法知道此交易的存在，其中判斷買方之知識領域範圍 與賣方所要求之知識領域範圍是否相符之方法，係比對詢 問使用者所提出之知識領域範圍是否包含部分回應使用者 所擁有之知識領域範圍。 經濟部智慧財產局員工消費合作社印製 當在步驟s308中，買方符合上述之限制，則可在步驟 s312中的平台中，回應此訊息給賣方，即買方願意成交此交 易。 與上述實施例相同，當在步驟s2〇4中的賣方收到買方願 意交易之回應訊息後，買方會在一定時間內給予賣方一個 評等分數，在本例中是假設時間爲一天，若買方在一天內 沒有給予賣方一個評等分數，則在步驟S202中，系統會視買 本紙張尺度適用中國國家標準（CNS)A4規袼（21〇 X 297公H ) 505877 7047twf.doc/006 Ά _B7_ 五、發明說明（1 ) 方滿意賣方提供之訊息而給予賣方一個最高評等分數，其 中，評等分數最高爲10，最低爲0。 之後，在步驟S206中，信用評等系統會依據評等分數及 賣方以往在資料庫中之信用品質分數紀錄，計算出賣方可 得之金額，即在賣方的帳戶中新增的一筆金額。且信用評 等系統亦會在步驟s206中，依據評等分數及賣方在資料庫中 之信用品質分數紀錄，計算出買方可獲得之回授金額，也 就是當買方對賣方的評等分數沒有達到最高分的狀態下， 信用評等系統會將當初買方所付出之交易價格，回覆一些 金額給買方。另外，信用評等系統亦會依據賣方存在資料 庫中之評等分數及曾經交易對象數目，來更新賣方在資料 庫中之信用品質分數紀錄。 請再次參照第1圖，其繪示的是依照本發明之另一較佳 實施例，作一詳細之描述的一種信用評等交易方法，係有 關於使用者利用信用評等交易系統作交易訊息之方法，在 信用評等系統中包括資料庫，而在此資料庫中包括所有使 用者之信用品質分數紀錄。 經濟部智慧財產局員工消費合作社印製 此信用評等交易方法之步驟包括：在步驟slOO中，買方 會在信用評等交易系統之平台中登錄詢問訊息，例如問一 個問題尋求解答，接著在步驟sl02中，信用評等交易系統會 判斷買方的限制條件，也就是買方的帳戶金額是否有足夠 的手續費讓系統可扣款，若沒有，則結束買方的詢問訊息， 若有，則在步驟sl04中，等到賣方連線上信用評等交易系統 且賣方欲回應買方之詢問訊息後，在步驟sl06中，信用評等 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐） 7 〇47twf.doc/ 0 0 6 A7 —~---』7 _ 五、發明說明（¾ ) 父易系統會判斷賣方之限制條件，如買方曾設定此賣方是 在拒絕往來表單中的使用者，則買方就不允許此賣方進行 回答之權利，而在拒絕往來表單外之賣方的知識領域範圍 必須是貝方所指疋之範圍，可能買方會指定賣方必須在數 學方面是個專家等，且賣方在信用品質分數方面必須在2.5 等級以上才能回答此問題，另外買方可能還會對回答的數 目加以限制。 若此時賣方在步驟sl08中，不符合買方所要求的限制條 件，則賣方無法知道此交易的存在。若符合，則賣方可在 步驟si 10中的平台中看到買方的詢問訊息之問題內容，之後 在步驟si 12中，決定是否要交易有關詢問訊息之回應訊息， 若賣方不願意交易此回應訊息，則結束雙方之交易，否則 系統會在步驟sll4中，判斷買方帳戶是否有交易價格P及百 分之五之成功父易手I買費，亦即在買方的帳戶中是否有 1·05Ρ的金額存在，若買方無此筆金額，則同樣的會被系統 強迫退出此交易，若有，則在步驟si 16中，系統會自買方之 帳戶中自動扣除1.05P的金額，此時，買方亦可看到賣方所 交易之答案，同時賣方亦可看見先前買方所留下的回應內 容，如”謝謝您”之類的話。 在上述之實施例中，亦可將買賣雙方之地位交換，亦 即如圖3之實施例所述，賣方亦可登錄詢問訊息求買，也就 是賣方可能有很好的情報可供給其他人使用，但此時在步 驟s302中被扣除手續費之對象卻換成賣方，且亦換成是賣方 等待買方上線回應訊息，當在步驟s312中買方決定購買此項 10 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐） 505877 7 0 4 7 twf . do c/ 0 0 6 _B7_ ^___ 經濟部智慧財產局員工消費合作社印製 發明說明（1) 訊息，則系統會在步驟s314中，判斷買方的帳戶中是否有足 夠的金額P購買此訊息，若沒有，則系統亦會結束買方之交 易，若有足夠之交易價格P，則在步驟s316中，系統會自動 從買方之帳戶中扣除P元，且買方可以看到賣方欲交易之答 案，同時系統在雙方成功交易此訊息以及完成評等階段 後，亦會更新賣方在資料庫中的信用品質分數紀錄。 請再次參照第2圖，其繪示的是依照本發明又一較佳實 施例的一種信用評等交易方法，係有關於多個使用者在信 用評等交易系統中結束交易階段後，欲進行一評等階段之 方法，在此信用評等系統中包括資料庫，而在此資料庫中 包括使用者之信用品質分數紀錄。 此信用評等交易方法之步驟包括：當買方在收到交易 階段之回應訊息後，系統會在步驟s200中，判斷買方是否在 步驟s204中給予賣方一個評等分數，若買方在收到回應訊息 後，在一定時間內並不給予賣方一個評等分數，則信用評 等系統會在步驟S202中，自動給予賣方一最高評等分數。 接著，信用評等系統會在步驟S206中，依據買方所給的 評等分數或是系統給的最高評等分數，與賣方以往在資料 庫中之信用品質分數紀錄，計算出賣方可得之新增價値即 買方的回授價値，另外還會更新賣方在資料庫中的信用品 質分數紀錄。 其中，算出買方可獲得之回授金額之方法，係信用評 等系統會將一些變數輸入至計算式中，而得到此回授金 額，這些變數包括：賣方在資料庫中之信用品質分數紀錄、 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐） 505877 7047twf.d〇c/006 A7 B7 經濟部智慧財產局員工消費合作社印製 五、發明說明（β) 買方給予賣方之評等分數及賣方的回應訊息所得的實質價 格，亦即賣方在一開始所定的交易價格，假設信用品質分 數紀錄的變數爲H，評等分數的變數爲C，回應A息所得的 實質價格變數爲P，而回授金額,的§十算式爲（1-〇·〇8Η) * (1-0.1C) *ρ，將上述之變數套入此計算式後即可得到買方 之回授金額。其中，回授金額的計算式是可以彈性變動的’ 亦即此計算式並不是唯一的，但本實施例之所以推導出此 計算式，是因當買方對賣方的評等分數爲0時’而賣方以往 的信用品質分數紀錄Η並沒有那麼低，則可能因買方之誤判 而導致賣方的訊息無價値，所以此計算式即是爲預防買方 不願給付金額’當然若買方很滿意買方所知供之$息’則 也有可能會給予賣方評等分數爲10，此時買方的回授金額w 即爲0，等於把當初的交易價格都給予賣方，因爲賣方所得 之金額是實質價格P減掉回授金額W，才是賣方真正得到之 金額。 另外，信用評等系統亦會依據賣方存在資料庫中之評 等分數C及交易對象數目Μ，而更新賣方在資料庫中之信用 品質分數紀錄，賣方新的信用品質分數紀錄Η’的計算式爲 (average C) / ( 1 + 10/Μ)，其中交易對象數目Μ是假設之 前的交易都是不同的對象，如同回授價値之計算式，此新 的信用品質分數紀錄Η’的計算式亦是彈性可變化，並不是 唯一的，在本發明中只爲尋找變數間的對應特徵，及得到 最後的新的信用品質分數紀錄Η’値，並將該値更新到資料 庫中，作爲下次此使用者之參考資料。 本紙張尺度適用中國國家標準（CNS)A4規格（21〇 X 297公爱） (請先閱讀背面之注意事項再 -11 填寫本頁) . --線- 505877 7047twf.doc/006 ^ _B7_ 五、發明說明（| | ) 綜上所述，本發明的優點是爲因應瞬息萬變的現代產 品…訊息類商品，所產生的問題。本發明可以解決訊息類 商品的交易問題，使交易雙方可以快速且便利的網路上進 行此類商品的交易。 雖然本發明已以較佳實施例揭露如上，然其並非用以 限定本發明，任何熟習此技藝者，在不脫離本發明之精神 和範圍內，當可作各種之更動與潤飾，因此本發明之保護 範圍當視後附之申請專利範圍所界定者爲準。 (請先閱讀背面之注意事項再填寫本頁) 填寫士 ί線· 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公釐）505877 7 0 4 7 twf. Do c / 0 0 6 A7 B7 V. Description of the invention (G) This inquiry message includes the content of the question, the content of the response, the transaction price, etc., and sets the limits for responding users (such as buyers) Conditions, among which the restrictions on the buyer include setting the scope of the knowledge area, refusal to exchange forms, etc. Then, in step S300, the seller has provided the required inquiry information on the platform of the credit rating transaction system, then the system will determine in step 8302 whether the seller's account has sufficient amount as the transaction procedure. Fee, if there is, let the inquiring user continue the transaction, otherwise it will end the transaction. Here is an example to explain the above description. Assume that the content of the inquiry message registered by the seller at step s300 includes the content of the question and the transaction price, and the content of the question is "I know tomorrow's stock market", the transaction price is 20 yuan, and the response message is ,, ASUS ,,. In addition, the restrictions on the buyer include setting the scope of the knowledge domain. If the scope of the buyer's knowledge domain is not in the information domain of the seller, the buyer will not be able to know the existence of the transaction, among which the scope of the buyer's knowledge domain and the knowledge required by the seller will be determined The method of whether the domain scope is consistent is to compare whether the scope of the knowledge domain proposed by the user includes a partial response to the scope of the knowledge domain owned by the user. Printed by the Consumer Cooperatives of the Intellectual Property Bureau of the Ministry of Economic Affairs When the buyer meets the above restrictions in step s308, the platform can respond to this message to the seller in step s312, that is, the buyer is willing to close the transaction. As in the above embodiment, after the seller receives the response message that the buyer is willing to trade in step s204, the buyer will give the seller a rating score within a certain period of time. In this example, it is assumed that the time is one day. If the seller is not given a rating score within one day, then in step S202, the system will consider the paper size of the paper to apply the Chinese National Standard (CNS) A4 Regulation (21〇X 297 male H) 505877 7047twf.doc / 006 Ά _B7_ 5. Description of the invention (1) The party is satisfied with the information provided by the seller and gives the seller a highest rating score, among which the highest rating score is 10 and the lowest is 0. Then, in step S206, the credit rating system will calculate the amount available to the seller based on the rating score and the seller's previous credit quality score records in the database, that is, a new amount added to the seller's account. And in step s206, the credit rating system will calculate the amount of feedback that can be obtained by the buyer based on the rating score and the seller's credit quality score record in the database, that is, when the buyer's rating score for the seller has not reached In the state of the highest score, the credit rating system will return some amount of the transaction price paid by the buyer to the buyer. In addition, the credit rating system will also update the seller's credit quality score records in the database based on the rating scores stored in the database by the seller and the number of previously traded objects. Please refer to FIG. 1 again, which shows a credit rating transaction method according to another preferred embodiment of the present invention, which is described in detail. It relates to a user using a credit rating transaction system for transaction information. The method includes a database in the credit rating system, and the credit quality score records of all users are included in this database. The steps of printing the credit rating transaction method by the Consumer Cooperative of the Intellectual Property Bureau of the Ministry of Economic Affairs include: In step 100, the buyer will log in the inquiry message on the platform of the credit rating trading system, for example, ask a question for an answer, and then in step In sl02, the credit rating trading system will determine the buyer's restrictions, that is, whether the buyer's account amount has sufficient handling fees to allow the system to deduct the money. If not, the buyer's inquiry message is ended. If there is, the step is sl04. After the seller connects to the credit rating transaction system and the seller wants to respond to the buyer ’s inquiry message, in step sl06, the paper rating of the credit rating applies to the Chinese National Standard (CNS) A4 specification (210 X 297 mm) 7 〇47twf.doc / 0 0 6 A7 — ~ --- 』7 _ 5. Description of the invention (¾) The parent system will judge the seller's restrictions. If the buyer has set this seller to be a user in the rejection form, Then the buyer has the right not to allow this seller to answer, and the scope of the seller ’s knowledge area outside the refusal form must be within the scope pointed out by the buyer. The seller must be specified in the mathematical aspects of expert, etc., and the seller must in order to answer this question more than 2.5 rating in terms of credit quality score, another buyer may also be restrictions on the number of answers. If the seller does not meet the restrictions required by the buyer in step sl08 at this time, the seller cannot know the existence of the transaction. If so, the seller can see the question content of the buyer's inquiry message on the platform in step si 10, and then in step si 12, decide whether to trade the response message about the inquiry message. If the seller is unwilling to trade the response message , Then the transaction between the two parties is ended, otherwise the system will determine in step sll4 whether the buyer's account has a transaction price P and a successful purchase price of 5%, which means that the buyer's account has an amount of 1.05P. Existing. If the buyer does not have this amount, the system will also be forced to withdraw from the transaction. If so, the system will automatically deduct the amount of 1.05P from the buyer's account in step si 16. At this time, the buyer can also Seeing the answer from the seller's transaction, the seller can also see the response left by the previous buyer, such as "Thank you". In the above embodiment, the status of the buyer and the seller can also be exchanged, that is, as described in the embodiment of FIG. 3, the seller can also log in to ask for information, that is, the seller may have good information for other people to use However, at this time, the object deducted in step s302 is replaced by the seller, and the seller waits for the buyer to go online to respond to the message. When the buyer decides to purchase the 10 paper standards in step s312, the Chinese national standard ( CNS) A4 specification (210 X 297 mm) 505877 7 0 4 7 twf. Do c / 0 0 6 _B7_ ^ ___ The description of the invention (1) printed by the Consumer Cooperative of the Intellectual Property Bureau of the Ministry of Economic Affairs will be displayed at step s314. To determine whether there is sufficient amount P in the buyer ’s account to purchase this message. If not, the system will also end the buyer ’s transaction. If there is sufficient transaction price P, the system will automatically remove the buyer ’s account from step s316. P is deducted from the price, and the buyer can see the answer the seller wants to trade. At the same time, the system will also update the seller's stationery in the database after the two parties successfully trade the message and complete the evaluation stage. Score record. Please refer to FIG. 2 again, which shows a credit rating transaction method according to yet another preferred embodiment of the present invention, which involves a plurality of users who want to conduct a transaction after ending the transaction stage in the credit rating transaction system. The method of a rating stage includes a database in this credit rating system and a user's credit quality score record in this database. The steps of this credit rating transaction method include: After the buyer receives the response message in the transaction phase, the system will determine in step s200 whether the buyer gave the seller a rating score in step s204. If the buyer receives the response message Later, if the seller is not given a rating score within a certain period of time, the credit rating system will automatically give the seller a highest rating score in step S202. Then, in step S206, the credit rating system calculates the new information available to the seller based on the rating score given by the buyer or the highest rating score given by the system, and the seller's previous credit quality score records in the database. The price increase (the buyer's feedback price) will also update the seller's credit quality score record in the database. Among them, the method of calculating the amount of feedback available to the buyer is that the credit rating system will enter some variables into the calculation formula to obtain this amount of feedback. These variables include: the seller's credit quality score record in the database, This paper size is in accordance with China National Standard (CNS) A4 (210 X 297 mm) 505877 7047twf.d0c / 006 A7 B7 Printed by the Consumer Cooperatives of the Intellectual Property Bureau of the Ministry of Economic Affairs 5. Description of the invention (β) The actual price obtained from the rating score and the seller's response message, that is, the transaction price determined by the seller at the beginning, assuming that the variable of the credit quality score record is H, the variable of the rating score is C, and the actual price variable obtained by responding to A interest For P, and the amount of the reward, the § ten formula is (1-〇 · 〇8Η) * (1-0.1C) * ρ, and the buyer's return amount can be obtained by putting the above variables into this formula. Among them, the calculation formula of the return amount can be flexibly changed, that is, this calculation formula is not unique, but the reason why this embodiment derives this calculation formula is because when the buyer ’s rating score for the seller is 0, The seller ’s previous credit quality score record is not so low, the seller ’s information may be priceless due to the buyer ’s misjudgment. Therefore, this calculation formula is to prevent the buyer from being unwilling to pay the amount. Of course, if the buyer is satisfied with the buyer ’s knowledge It is also possible that the $ interest rate given to the seller will give the seller a rating score of 10. At this time, the buyer's feedback amount w is 0, which is equivalent to giving the seller the original transaction price, because the amount obtained by the seller is the real price P less The feedback amount W is the amount that the seller really gets. In addition, the credit rating system will also update the seller's credit quality score record in the database and the seller's new credit quality score record Η 'calculation formula based on the rating score C and the number of transaction objects M in the seller's database. Is (average C) / (1 + 10 / Μ), where the number of transaction objects M is assuming that the previous transactions are all different objects, like the calculation formula of the feedback price ，, this new credit quality score record Η 'calculation formula It is also flexible and changeable, and is not unique. In the present invention, it is only to find the corresponding characteristics between variables, and to obtain the final new credit quality score record Η '値, and update the 値 into the database as the following References for this user. This paper size applies to China National Standard (CNS) A4 specification (21〇X 297 public love) (Please read the precautions on the back before filling in this page). --Line-505877 7047twf.doc / 006 ^ _B7_ V. Explanation of the invention (| |) In summary, the advantages of the present invention are the problems caused by the rapidly changing modern products ... information products. The invention can solve the problem of transaction of information products, so that both parties of the transaction can carry out transactions of such products on the network quickly and conveniently. Although the present invention has been disclosed as above with a preferred embodiment, it is not intended to limit the present invention. Any person skilled in the art can make various modifications and retouches without departing from the spirit and scope of the present invention. Therefore, the present invention The scope of protection shall be determined by the scope of the attached patent application. (Please read the precautions on the back before filling out this page.) Fill in the line. Printed by the Consumer Cooperatives of the Intellectual Property Bureau of the Ministry of Economic Affairs. The paper size applies to the Chinese National Standard (CNS) A4 specification (210 X 297 mm).