TW505903B - Web transaction method - Google Patents

Abstract

The invention provides a web transaction method that merchandise information is demonstrated on website, and IC card is inserted in the data equipment to connect to the website and registration center to enter the website for shopping of goods and conduct billing transaction. The corresponding bank of IC card directly conducts transaction payment and it won't go through the web store so as to secure the personal data. The registration center confirms bank payment and connects to the website and data equipment. The website can verify if transaction and payment succeed.

Description

505903 V. Description of the invention (1) The present invention is related to the use of chip cards with confirmed normal payment methods of goods or services. More specifically, it refers to information equipment, which can be used to purchase goods or services on websites. Users of financial information and confidential online transaction parties are sold to consumers through the use of delivery to the account to use the account, the station, this code and other poor and difficult to use are a potentially dangerous inventor, because it is easy to be rights The users of the present invention disclose on the purchaser's payment method that they all describe the financial system website merchant financial unit using the card number as the user's third party, which is easy to cause security and is not ideal. The use, research and improvement are based on placing information, registration to determine the transaction, and the production of goods for the treasury account, plus notice payment and other information in the bank crisis. The payment of the withdrawal product is obvious, and the instant account website is stolen. The payment is made by visiting, standing, and consumer transactions. The same code is directly passed through the customs. The quality of the credit card number camp of the merchant network that is expected to pass to the bank obviously makes many Shi Anfa, designer websites, information and righteousness, law, system, and information, the website conducts transaction information to online consumers, and online access They have exposed the related home websites, their passwords or letters to their invisible materials, and they have no control over their personal data. Their use has been stolen from their multiple websites, and they are actively used as chip card plug-ins or services. Consumers can carry out data, passwords, and other related information since they are posted on the Internet. Users can directly submit information, lack of passwords, or lack of integrity. It is easy to send brain data and related product research personal data to business protection products. The individual who trades has developed the invention. Provide an online transaction party device to connect to the website, the registration center confirms that the chip card corresponds to the bank, and the payment is successful.

505903

V. Description of the Invention (2) The secondary purpose of this creation is to provide an online transaction method. The website purchases goods directly from the corresponding bank. The chip card stored value or the chip card is directly transferred to the designated bank transfer account. , Transactions, direct inter-bank debits', those who protect user personal data. In order to gain a better understanding of the process and structure, features, functions, and advantages of the present invention, a preferred embodiment is given below, and illustrated with the following illustration: '' The first diagram is the first preferred implementation of the present invention The connection diagram of the example. Figure 1 is a schematic diagram of the bank payment transaction process using a chip card in combination with a financial card in the first preferred embodiment of the present invention. The third diagram is a database form diagram of the first preferred embodiment of the present invention. The fourth diagram is a database list diagram of the first preferred embodiment of the present invention. The fifth diagram is a chip card arrangement of another preferred embodiment of the present invention. Schematic diagram of stored value payment and transaction process. The present invention ® ,,, T-wei not labeling and name comparison table website. (20) website · · · · · · · (30) registration center · · · (40) database · · · · · · ( 41) Forms' · (42) Information equipment ... · (.) (50) Hard disk ... (51) Chip card * ^ *. · (60) Card number · · · · · · .. ( 61) Basic information ···· (62) Consumption status ···· (63) Times ·· (66)

Page 5 505903 V. Description of the invention (3) Bank ........ (70) Please refer to the preferred embodiment shown in the first and second figures. The large system includes: One of the online transaction methods of the present invention Compared with the Internet of the present invention, and then the commercial, the websites (20), the registration center (40), and the information equipment (50) are connected to the (50) slot to form the heart (40) Receivable data can be received. At least the basic data (62) and product data are stored in most of the following: edit-^ Yizho's website, Asia-Pacific Exhibition Road (30), and the Internet (30). ) Connection-'(20) and the registration center (40) are available for most, a chip card (60) can be plugged into the information equipment interconnect; please refer to the third picture, the registered ZTE equipment (50) The form (42) of the database (41) transmits the card number (61) containing the chip card (60), and the consumption status (63) of the cardholder transaction. Explain that the network transaction method includes the following steps: (a) ^ Please refer to the second figure, correspondingly insert the socket of the chip card (60) into the slot of the information device (50), and turn it on. The information device (50) reads out the unique card number data of the chip card (60) from the card, encrypts it, and then connects to the network (30) to transmit it to the registration center (4.0); please refer to the third As shown in the figure, the data includes at least the card number (61) of the chip card (60) and the basic information (62) of the holder, which is transmitted via the network (30) {which can be the Internet, internal fixed Network or wireless transmission. Input channel. The registration center (4〇) decrypts the received encrypted data and logs it into the form (42) of the database (41). At the same time, the registration center (40) generates a random number (4 2 1), which is also stored in The form (4 2), the registration center (40) returns the random number (421) of the chip card (60) registered in the form V, the invention description (4), the single (42), and the chip card (60) 'That completes the card-opening actor. (b) When the user wants to purchase goods or services on the website, the user inserts the chip card (60) into the information device (50), and the information device (20) uses an internal program to read the chip The card number and random number (421) of the card (60) are transmitted to the registration center (40) and the card number and random number (421) registered on the form (42) are correct. The chip card (60) is a legal registration authorization Cardholders. The user can then connect to the website (20) via the network (30), and enter the home (20) to select the goods or services and conduct paid transactions; ° Consumers of the information equipment (50) via The network (30), the card number (61) of the chip card (60), and the website (20) product-related data are passed to the registration center (40), and at the same time, the merchant website (20) will select The information of the product ^ is uploaded to the information device (50). (c) The animal chooses to use the chip card (g 0) with a credit card or financial card for transaction payment and is correspondingly inserted in the information device (50). The information device (50) enters the bank designated by the credit card or financial card Password, account, payment and information, which are transmitted to the bank (70) encrypted with the card number of the chip card (60). The bank (? 〇) transfers the specified amount of money to the merchant bank (70 ') collection account on the website (20), and the website (20) transfers the merchant's bank (? 〇,)' s collection information 4 and The data of the chip card (60) is transmitted to the registration center (40), and it is confirmed that the merchant bank (? 0,) receiving account has received a certain amount of money. (d) Please refer to the second figure, the registration center (40) stores the information of the product and the chip number of the chip card (60) in the form (4 2) corresponding to the database (4 丨) for consumption Status field. 505903 V. Description of the invention (5) (e) The registration center (40) checks the amount of money transferred from the designated bank (70) of the chip card (60) to the merchant's bank (70 ') receiving account, and the The amount of money matches the price of the product. The registration center (40) encrypts the card number of the chip card (60) and the content of the product and transmits it to the website (20) by encryption, and then uses this information as the basis for the transaction. The registration center (40) checks the merchant bank (70,) collection account, the amount is not enough to pay the price of the commodity, then the registration center (40) returns the information device (50) without a sufficient consumption limit to Make up your spending limit message. (f) When the website (20) receives the confirmation message transmitted by the registration center (40), the website (20) executes the transaction and confirms the successful transaction, and transmits the transaction success message to the information device ( 5 〇); The website (20) according to the transaction success message, the corresponding product number, and according to the delivery process to reach the chip card (60) users. According to the present invention, when the registration center (40) checks the amount of the chip card (60) designated bank (70) transferred to the merchant bank (70,) collection account, if there is not a sufficient amount of consumption limit, the registration center (40) ) Returns the message that the consumption price must be replenished. The screen of the information device (50) displays a message that there is not enough money to perform the transaction. The user can re-enter the designated bank (70) in the information device (50). The account number, password, and amount form the transfer data, and the data is encrypted and transmitted to the bank via the network (30); bank (γ〇); pay through the bank to the merchant bank (? 0) Yinzheng account, contact the The registration center (㈣) makes up for the difference in the price of the goods and services. The database (41) of the registration center (40) is updated and generates authorization parameters. , ^

Page 505903

Another implementation of the same month is similar to the steps of the first implementation (shown in Figures 6-21, 3, 4 and 5; the difference is the chip card). The consumption is stored in the information of the available consumption quota. State (44), borrowed = The chip card (60) of the present invention has a stored value, and the chip card (60) is directly connected to the information device (20), and the drum book is connected through the network (30) The center (40) is connected. At the same time, the registration center (40) registers the consumption status (44) in the form (42) of the database (41), and the list (43) of the database (41) is also registered. Consumption quota information, complete the card opening operation. In use, the information device (20) contacts the website (20) via the network (30), and selects the product, and simultaneously downloads the information of the selected product or service to the information device (50). The hard disk is stored; then the data of the product and the chip card (23) are transmitted to the registration center (40), and the registration center (40) checks the allowable consumption limit provided by the chip card (60) (^ 6). It is sufficient for deducting the price equivalent of the commodity. The registration center (40) transfers to the website (20) according to the card number of the chip card (60) and the information of the product; if there is no sufficient consumption limit, the registration center (40) returns to be replenished, etc. Value points information. Please refer to the third and fourth figures. The registration center (40) deducts the value of the chip card (60) from the consumption amount (66) of the chip card, and updates the registration in the database. The form (42) of (41) is related to the consumption status, and the list (43) registers all remaining consumption amounts (66 "), and then transmits this information to the information device (50) encrypted and stored in the chip card ( 60). When the website (20) receives the confirmation message transmitted by the registration center (40), the website (20) executes the transaction and confirms the success of the transaction, and will

505903 V. Description of the invention (7) The transaction success message is passed to the information device (50). The website (20) numbers the corresponding products according to the transaction success message, and delivers them to the chip card (600) user according to the shipping procedure. From the above, it can be understood that the chip card (60) can be a pre-stored value and a considerable consumption amount. Please refer to the third figure. The present invention selects the website to display the product's data content and the chip card (60) related data transmission At the talk center. (40), the registration center (40) can register the consumption status (44) according to the form (42) of the database (41), and confirm the consumption amount of the list (43) (66 ) Sufficient supply and deduction of the price of the product, the website (20) will execute the transaction and confirm the transaction success' and pass the transaction success message to the information device (50), the chip card (60) Can be equivalent to the amount of pre-stored consumption. In addition to the first embodiment, the present invention can also transfer a certain consumption amount for a bank designated by a credit or debit card, which is quite convenient to use. According to the present invention, the chip card (60) uses hardware encryption to store data instead of software, and it has a high degree of reliability. With today's technology, it is impossible to crack the hardware storage and storage data. It is the information device (50). The chip card is used to transmit related information, and to contact the registration center (40) and website (20), the chip card forms a specific registration mechanism that matches the corresponding registration center (40), that is, the website (20) receives the registration The center (40) sends a confirmation message for the transaction, and the website (20) can correctly grasp the transaction object of the chip card user. · The user inserts the chip card (3.0) into the information device (50) to connect to the website, (20), the registration center (40), and connects to the website (2) through the information device (50). For the purchase of goods, the registration center (40) confirms that the chip card corresponds to the bank to make the transaction payment, and the website can determine the successful transaction and payment.

Page 10 505903 V. Description of the invention (8) ^ — By the invention, the user designates the bank (70) directly on the information device (50) through the website (30) and contact. It is very convenient to use, Condition ^ The user transfers the account number, password and amount to form the transfer information at the bank (70). The far-end data does not pass through a third party, so the user's related data can be protected by the security, and it can solve the existing network The transaction and the trader will directly transfer the transfer information to the website and then transfer it to the bank, which easily results in the loss of the theft of the account information. The information device (50) of the present invention establishes a connection with the network (30) and correspondingly connects with the registration center (40); the information device (20) stores the same message content, and the chip card (23) can be directly plugged in The information device (20) is used, and the chip card (23) is portable, and for most information devices, the website (20) and the registration center (40) can be connected at any time, and the website (20) can be accessed for Paid transactions, which can be carried conveniently and easily. To sum up, the online transaction method of the present invention involves inserting a chip card into an information device to connect a website and a registration center. The website purchases commodity transactions directly contact the corresponding bank. The registration center confirms the bank payment. The successful payment of 'secure protection of personal data' has the novelty of industrial use and first high creation, when it has met the requirements of the invention patent.

Claims (1)

Chuan 5903 The 6th patent application scope 1 network: a kind of online transaction method 1 product data editing website, the website is connected via a network ▲ stored in most hearts for most information equipment to connect; the online transaction Method: Obtained in Book 2-Insert the chip card into the information device, and turn it on, and include: Card number of the card, basic data is transmitted to the registered medium via the network, and the chip card is inserted into the information. Equipment, select the product via the network, select the product, and pay for the transaction. At the same time, the data of the network is downloaded to the information device, and the website transmits the data of the product of the chip to the product to the registration center; The merchant's registration center verifies the chip card number 'confirmed that the amount of sufficient consumption of this product has been paid and passes the confirmation message to the website: Μ can use the information device to purchase the corresponding product in the network, and the device will The payment information of chip card transactions is transmitted to the payment L bank via the network, and the bank confirms the payment information and pays; and the bank passes the payment amount, the chip card and other data through the network 2. Pass to the registration center, and the registration center will register the chip card and other information, and the related information of the product ^; The registration center will pass the confirmation message to the website; at the same time, the commodity price or equivalent points will be deducted and returned It is transmitted to the information device and stored in the chip card; the website receives the agricultural identification message and confirms the transaction success, and transmits the transaction success message to the information device; the website responds to the transaction success message, corresponds to the product number, and Reach the chip card user according to the shipping procedure. Page 13 505903 6. Scope of patent application 2. The online transaction method described in item 丨 · of the scope of patent application, wherein the chip card generates a random digital storage at the same time as the card is opened, and 注册 ^ matches the registration center to register the chip The card information is stored in the chip card. /, Σ 3 · The online transaction method described in item 1 or 2. of the patent application scope, wherein the online transaction method uses a credit card or a financial card transaction step package (a) the information device enters the credit card Or the bank password designated by the debit card: the account, payment, and the information of the commodity are encrypted and transmitted to the bank; (b) the bank transfers a certain amount of money to the collection account of the registration center, and the bank transfers the collection information and The information of the product is transmitted to the registration center, and it is confirmed that the receiving account receives a certain amount of money. The registration center converts the stored value data of the amount and the equivalent value. The stored value data accumulates the original registration data and is stored in the book. The registration information will complete the payment of the credit or debit card transaction; (c) The website receives the confirmation message and confirms the transaction success, and transmits the transaction success message to the information device; the website responds to the commodity according to the transaction success message. Number, and will be delivered to the chip card user according to the shipping procedure. 4. The online transaction method according to item 1β or 2 • in the scope of the patent application, wherein 'the online transaction method uses chip card stored value transaction steps including: (a) the chip card stores stored value consumption Quota, the chip card can be directly plugged into the information device, and connected to the registration center to register the consumption status through the network; ~ (b) when in use, the 'far information equipment' will download the data of the selected product and store it, and then Relevant data to the registration center, check the permission provided by the chip card 505903 Case No. 89116952 Amendment VI. Patent Application Scope I ·: Ή Allowable consumption limit (c) The registration center sends a confirmation message to the website; the registration center deducts the consumption status from the price or equivalent of the product Points, update the registration in the form, and send it to the information device stored in the chip card. The website receives the confirmation message sent by the registration center. The website executes the transaction and confirms the successful transaction. Page 15