509855 A7 ___-____ B7 經濟部智慧財產局員工消費合作社印製 五、發明說明（/) 發明之領域 本發明一般而言係關於商業之領域，且更特別地，係 關於用於便利一個發生於保密或未保密環境之商業交易之 付費之保密方法之系統及方法。 共孚網路，諸如網際網路（I n t e r n e t )及較 小之共享網路，係快速地被接受成爲未來之貨品及服務之 市場。許多商人發現到：提供他們的貨品及服務於網際網 路上而不開實體商店及賣給人們係較便宜且更有效率。雖 然許多商人僅僅藉由開虛擬商店（例如網點）於網際網路 上，而加入其實體商店，然而，其他商人，諸如E g g Η e a d Software TM等等，已經關閉他們的所有 實體商店，且以一個於網際網路上之虛擬商店取代之。更 有其他商人，諸如Ama ζ ο η · c omTM等等，開始於 網際網路上之新公司，而不曾開實體商店。 一個阻礙網際網路完全接管世界市場之一個因素係： 消費者對於傳送其信用卡號碼或任何其他付費資訊於網際 網路或任何未保密之媒體上係仍然感到懷疑的。許多消費 者恐懼可疑的人會截取他們的傳送資料，且使用他們的信 用卡或其他付費資訊作爲未授權購買之用。 因此，一個提供於保密或未保密之商業通道上購置（ 例如，網際網路、擁擠的商店、公共交換電話網路（P S TN)等等）而不需要提供信用卡號碼或其他資訊之能力 之系統係有其需要，該資訊係透過商業通道而直接連接至 一個付費方式。 5 (請先閱讀背面之注意事項再填寫本頁) - 訂 •線· 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公爱) 509855 A7 B7 五、發明說明（>") 一個能使購買者選擇付費方式及授權所有已實施之付 費之系統亦係有存在之需要。 因此，本發明之一個目的係提供一個使消費者於一個 保密或未保密之商業通道上購買而不需要提供信用卡號碼 或任何其他資訊之系統，該資訊係透過商業通道而直接連 接至一個付費方式。 本發明之另一個目的係提供一個能夠使購買者選擇付 費方式及授權所有已實施之付費之系統。 由下列之說明，本發明之上述及其他目的，對於熟悉 本項技藝人士而言將會是明顯的。 發明槪要 現在，申請人已經發現本發明可以完成之上述及其他 目的，可以促進一個購買者及商人之間之商業交易之付費 保密方法。本發明之一個實施例包括一個金融個人伺服器 ，其建構成儲存相關於購買者之資訊，其中，該資訊包括 一組付費選項。該實施例亦包括一個選擇性地連接至該該 金融個人伺服器之付費伺服器，且建構成（i )接收關於 該項商業交易之交易資訊（i i)由該金融個人伺服器， 要求該付費選項之一，（i i i)接收所選擇之付費選項 ，且處理該付費選項。 於另一個實施例之中，本發明包括一個用以儲存購買 者付費選項之儲存裝置；及一個付費請求裝置，其用以由 該儲存裝置請求一個付費選項及授權，以對該商業交易付 費。 6 本紙尺度適用中國國家標準（CNS)A4規格（210 X 297公釐） "" (請先閱讀背面之注意事項再填寫本頁) ¾ - 經濟部智慧財產局員工消費合作社印製 經濟部智慧財產局員工消費合作社印製 509855 A7 B7 五、發明說明（） 於又另一個實施例之.中，本發明包括一個用以使購買 者能夠選擇付費方式且授權該購買者及一個商人之間之商 業交易之方法。該方法包括：提供該購買者一個於金融個 人伺服器上之帳戶，及提供該購買者一個代表該帳戶之帳 戶號碼。該方法進一步包括：提供購買者一個至該金融個 人伺服器之保密連接，且使一組付費選項能夠被儲存於該 帳戶中。該付費伺服器接收一個辨認該商業交易及帳戶號 碼之訊息，且流通該訊息至該金融個人伺服器。該金融個 人伺服器由該購買者請求授權及付費選擇。在購買者做出 選擇之後，該金融個人伺服器傳送該項選擇至該付費伺服 器於一個保密鏈結上。該付費伺服器接收該付費選擇’並 且透過一個保密鏈路轉送至一個金融機構作爲進一步授權 之用。 本發明之另一個實施例包括一個用以使購買者能夠選 擇付費方式及授權購買者及商人之間之商業交易之方法。 該方法包括提供該購買者一個於金融個人伺服器上之帳戶 ，且提供該購買者一個代表該帳戶之帳戶號碼。該方法使 該購買者能夠透過一個保密連接，而輸入一組付費選項至 該帳戶中。該付費伺服器接收一個辨認該商業交易及帳戶 號碼之訊息，且傳達該訊息至該金融個人伺服器。該金融 個人伺服器請求該購買者授權及付費選擇。當該金融個人 伺服器由該購買者接收一個授權拒絕，則該金融個人伺服 器傳達該授權拒絕至該付費伺服器，該付費伺服器接收該 授權拒絕且傳送至該商人。 7 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公爱） (請先閱讀背面之注意事項再填寫本頁) 衣 經濟部智慧財產局員工消費合作社印製 509855 A7 B7 五、發明說明（f) 以下，本發明將結合一些圖示之實施例而予以敘述。 然而，對於熟悉本項技藝人士而言，在不偏離申請專利範 圍之精神或範疇之下，許多修改、增加及刪除能夠被完成 係明顯的。 圖式簡單說明 爲了進一步瞭解本發明之本質及目的，應參考下列詳 細說明及後附圖式，其中， 第1圖說明一個根據本發明之電子交易系統之示意圖 0 〔元件符號說明〕 10 端點 2 0 商人伺服器 3 0 交換網路 4 0 付費伺服器 5 0 金融個人伺服器 6 0 卡發行人 7 0 商人銀行 8 0 保密鏈結 9 0 鏈結 10 0 保密鏈結 110 鏈結 發明詳細說明 本發明揭示用以使購買者能夠選擇付費方式及授權一 個不需要提供商人真正付費方式之商業交易之系統及方法 8 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公f ) ------------- I ---------訂 β (請先閱讀背面之注意事項再填寫本頁) -線- 509855 A7 B7 經濟部智慧財產局員工消費合作社印製 五、發明說明（f) 。本發明特別適用於透過網際網路之電子商務，因爲本發 明使得即使交易透過一個不安全（例如：網際網路）之商 業通道而產生，亦能使購買者於一個保密之方式下，對該 商業交易付費。然而，本發明亦能應用於其他商業形式（ 例如，郵寄訂貨、電話訂貨、親自交易、電話費付費、透 過共享網路之交易，等等）°本發明亦能應用於保密交易 ，於此例子中，本發明僅對該交易加入另一層保密。 第1圖說明本發明之一個實施例。該圖解之系統可以 包括一個使用者/購買者端點10 (端點10)，其可以 是一個電腦端點、一個網際網路相容之電視、一個呼叫器 、一個行動電話、一個個人數位助理（p D A)，或者任 何其他類似的端點1 0。該端點1 0可以包括一個監視器 、一個用以讀取傳統信用卡、結算卡（d e b i t c a r d )及/或智慧卡（未示出）及某些形式之輸入/輸出 裝置之傳統讀卡機（未示出）。 該系統包括一個金融個人伺服器5 0 (個人伺服器5 0 )及一個付費伺服器4 0。該個人伺服器5 0可以是一 個獨立的電腦（較佳之方式）、一個付費伺服器4 0之付 屬品，或者一個或多個於該付費伺服器4 0上執行之軟體 程式。該付費伺服器4 0可以是一個目前用以處理諸如V 1 s a、美國運通卡、Master Card、Dis c o v e r或者類似之卡之銀行卡之傳統付費伺服器4 0 ，且可以是交換網路3 0之一部份。熟悉本項技藝人士將 認知，在不偏離本發明之範疇下，一個私人或共享電腦伺 9 (請先閱讀背面之注意事項再填寫本頁) •k · .線_ 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐） 509855 A7 B7 經濟部智慧財產局員工消費合作社印製 五、發明說明（L) 服器亦能用於作爲該付費伺服器5 0。 一個購買者係被提供一個於該付費伺服器4 0上之帳 戶及一個帳戶號碼。該帳戶可以被該購買者用來儲存一個 或多個結算卡（d e b i t c a r d ) /信用卡號碼、 銀行帳戶號碼、信用帳戶號碼流，或者類似物品。這些付 費選項可以是該購買者之帳戶、一個第三者之帳戶或者其 組合。此外，該購買者可以有直接修改儲存於帳戶內之資 訊之能力，雖然如此之特色並非必要。使一個允許購買者 輸入一個尙未儲存之信用卡號碼或某些其他付費方式之付 費選項對一項交易付費係可能的。在購買者具有編輯該付 費選項之能力的情形下，該購買者能夠擁有省下此種新的 付費方式作爲以後之用的選擇。雖然一個提供不適用之帳 戶號碼之系統仍將落入本發明之範疇中，但是該帳戶號碼 較佳地係符合現行信用卡編號標準。 該商人伺服器2 0可以是一個該商人操作之私人擁有 伺服器。爲了保密的目的，該商人伺服器2 0可以被排除 於存取該商人伺服器5 0或者其上之資訊之外。該商人伺 服器2 0可以是一個該商人執行之網點，或者一個第三者 爲商人而操作之網點。其亦可以是一個郵購業務、一個電 話訂貨業務、一個實體商店等等。此外，商人一詞並非受 限於貨品零售商。此系統可以被採用來購買服務’或者對 於在一個諸如E b a y τΜ之拍賣點之拍賣貨品或者幾乎任 何商業交易付費。一個本發明引人興趣之用途係可以作爲 一張電話卡。一個輸入現行電話卡資訊至一個公共電話之 10 (請先閱讀背面之注意事項再填寫本頁) 樣 訂 --線. 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐） 509855 A7 ____ B7 五、發明說明（1) 問題係爲：存在著監視人們鍵入其號碼至公共電話之可疑 人士，然後該人士使用該資訊以對未授權之通話付費。本 發明將可防止此種情況產生，這是因爲輸入之帳戶號碼亦 不直接連接至一個金融來源，因此，對於一個該帳戶號碼 未授權之使用者係沒有用處的。 爲了存取該帳戶，該購買者藉由使用該端點1 0及可 能載入其上之軟體而登錄，以建立一個保密鏈結8 0至可 能或可能不需要保密證明之個人伺服器5 0。此保密鏈結 8 0可以是一個透過網際網路之保密鏈結（例如，一個S ET加密鏈結等等），其可以是一個直接撥通鏈結，其能 夠是一個透過私人或共享網路之鏈結、或者任何其他保密 鏈結，或者該購買者可被提供這些連接選擇之一個或多個 選項。 假如該鏈結8 0係一個網際網路鏈結，則可能同時維 持此鏈結及接觸該商人伺服器2 0。此亦對其他選項係可 能的，然而，其可能需要額外的硬體。熟悉本項技藝人士 應可瞭解，該鏈結係可透過一個標準電話線、一個整合服 務數位網路（I S D N)線、一個T 1線、一個同軸電纜 、一個無線資料鏈結等等，或者上述之組合。該系統亦能 藉由購買者於不同時間，登錄至該個人伺服器5 0之上及 該商人伺服器2 0之上而操作。 該購買者提供該保密證明至該個人伺服器5 0其辨認 該購買者及該帳戶。較佳係爲公共鑰匙證明（p u b 1 1 c Key Certificate)但不需要是公共 11 本紙張尺度適用中國國家標準（CNS)A4規格（210 χ 297公釐） -----------1 I (請先閱讀背面之注意事項再填寫本頁) 訂L--------線 ·! 經濟部智慧財產局員工消費合作社印製 經濟部智慧財產局員工消費合作社印制农 509855 A7 B7 五、發明說明（？） 鑰匙證明之保密證明，能夠以許多種方式提供至該個人伺 服器。其能夠儲存於一個智慧卡之中，然後透過一個讀卡 機（較佳之方式）而被存取，其亦能夠被程式設計成用於 存取該個人伺服器5 0之軟體，其能夠由該購買者輸入至 軟體，其能被程式設計成軟體，其能被購買者或任何上述 上式之組合鍵入。根據設計之選擇，購買者可以被限制於 一個存取該帳戶之特定端點，或者購買者可以允許使用許 多端點。 在購買者連接至該個人伺服器5 0之後，他（她）能 夠進入一個或多個付費選項。一旦該選項被輸入，較佳但 非必要，購買者被賦予修改該選項之能力，移除一個付費 選項、增加一個付費選項或更新一個付費選項。下列情形 亦被認爲在本發明之範疇之中：當購買者簽訂由服務提供 者所輸入之服務時，該購買者能夠作出一個付費選項之起 始選擇。於此情形下，任何該付費選項之改變需要提供至 該服務提供者，且於該處輸入。然而，賦予購買者直接修 改該資訊之一部份或全部之能力亦係可能的。 —但該購買者擁有一個帳戶，他（她）可以開始商業 交易。於此實施例中，其中，該購買者登錄於網際網路上 ，該購買者可以登錄於一個商人伺服器2 0之上且實施購 買行爲。該項購買行爲可以由該商人或者由一個從該商人 伺服器2 0提供貨物及/或服務之第三者而完成。一旦該 價格於該項交易上被同意，不管是協商或者列出價格之付 費’該購買者提供帳戶號碼至該商人伺服器2 0。此係能 12 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐） (請先閱讀背面之注意事項再填寫本頁)509855 A7 ___-____ B7 Printed by the Consumer Cooperatives of the Intellectual Property Bureau of the Ministry of Economic Affairs V. Description of Invention (/) Field of Invention The present invention relates generally to the field of commerce, and more particularly, to the convenience of Systems and methods for confidential methods of payment for commercial transactions in a confidential or unclassified environment. Common networks, such as the Internet (I n t e r n e t) and smaller shared networks, are quickly being accepted as markets for future goods and services. Many businessmen find that it is cheaper and more efficient to provide their goods and services on the Internet without opening physical stores and selling them to people. Although many merchants join their physical stores simply by opening virtual stores (such as outlets) on the Internet, other merchants, such as Egg Η ead Software TM, etc., have closed all of their physical stores with one It is replaced by a virtual store on the Internet. There are other businessmen, such as Ama ζ ο η · comTM, etc., which started as a new company on the Internet without ever opening a physical store. One factor preventing the Internet from completely taking over the world market is that consumers are still skeptical of sending their credit card numbers or any other payment information on the Internet or any unclassified media. Many consumers fear that suspicious individuals will intercept their transmissions and use their credit cards or other payment information for unauthorized purchases. Therefore, a system that provides the ability to purchase on confidential or unclassified commercial channels (for example, the Internet, crowded shops, public switched telephone networks (PS TN), etc.) without the need to provide credit card numbers or other information There is a need, the information is directly connected to a payment method through a commercial channel. 5 (Please read the precautions on the back before filling out this page)-Order · Thread · This paper size applies to China National Standard (CNS) A4 (210 X 297 public love) 509855 A7 B7 V. Description of the invention (> " ) A system that enables buyers to choose payment methods and authorize all implemented payments is also needed. Therefore, an object of the present invention is to provide a system that enables consumers to purchase on a confidential or unclassified commercial channel without providing a credit card number or any other information, which is directly connected to a payment method through the commercial channel . Another object of the present invention is to provide a system that enables a purchaser to choose a payment method and authorize all implemented payments. The above and other objects of the present invention will be apparent to those skilled in the art from the following description. SUMMARY OF THE INVENTION The applicant has now discovered that the above and other objects that can be accomplished by the present invention can facilitate payment security methods for commercial transactions between a purchaser and a merchant. An embodiment of the present invention includes a financial personal server configured to store information related to a purchaser, where the information includes a set of payment options. This embodiment also includes a payment server selectively connected to the financial personal server, and constitutes (i) receiving transaction information about the commercial transaction (ii) the financial personal server requesting the payment One of the options, (iii) receiving the selected payment option and processing the payment option. In another embodiment, the present invention includes a storage device for storing purchaser payment options; and a payment request device for requesting a payment option and authorization from the storage device to pay for the business transaction. 6 The paper size applies the Chinese National Standard (CNS) A4 specification (210 X 297 mm) " " (Please read the notes on the back before filling out this page) ¾-Printed by the Ministry of Economic Affairs, Intellectual Property Bureau, Staff Consumer Cooperatives Printed by the Consumer Property Cooperative of the Intellectual Property Bureau 509855 A7 B7 V. Description of the Invention () In yet another embodiment, the present invention includes a method for enabling a purchaser to choose a payment method and authorize the purchaser and a merchant. Methods of commercial transactions. The method includes: providing the buyer with an account on a financial personal server, and providing the buyer with an account number representing the account. The method further includes providing the buyer with a secure connection to the financial personal server and enabling a set of payment options to be stored in the account. The payment server receives a message identifying the business transaction and account number, and circulates the message to the financial personal server. The financial personal server is requested by the purchaser for authorization and payment options. After the purchaser makes a choice, the financial personal server sends the choice to the payment server on a secure link. The payment server receives the payment option 'and forwards it to a financial institution via a secure link for further authorization. Another embodiment of the present invention includes a method for enabling a purchaser to select a payment method and authorize a commercial transaction between the purchaser and a merchant. The method includes providing the buyer with an account on a financial personal server, and providing the buyer with an account number representing the account. This method enables the purchaser to enter a set of payment options into the account through a secure connection. The payment server receives a message identifying the business transaction and account number, and transmits the message to the financial personal server. The financial personal server requests authorization and payment options from the purchaser. When the financial personal server receives an authorization rejection by the purchaser, the financial personal server communicates the authorization rejection to the payment server, and the payment server receives the authorization rejection and transmits it to the merchant. 7 This paper size applies to China National Standard (CNS) A4 (210 X 297 public love) (Please read the precautions on the back before filling out this page) Printed by the Consumer Cooperative of the Intellectual Property Bureau of the Ministry of Clothing and Economy 509855 A7 B7 V. Invention Explanation (f) Hereinafter, the present invention will be described in conjunction with some illustrated embodiments. However, it is obvious to those skilled in the art that many modifications, additions and deletions can be made without departing from the spirit or scope of the scope of patent application. Brief Description of the Drawings In order to further understand the nature and purpose of the present invention, reference should be made to the following detailed description and the following drawings. Among them, FIG. 1 illustrates a schematic diagram of an electronic transaction system according to the present invention. 2 0 Merchant server 3 0 Exchange network 4 0 Pay server 5 0 Financial personal server 6 0 Card issuer 7 0 Merchant bank 8 0 Security link 9 0 Link 10 0 Security link 110 Link invention details The present invention discloses a system and method for enabling purchasers to choose a payment method and authorize a business transaction that does not require a merchant to provide a true payment method. 8 This paper size is applicable to the Chinese National Standard (CNS) A4 specification (210 X 297 male f)- ------------ I --------- Order β (Please read the precautions on the back before filling out this page) -line-509855 A7 B7 Employees ’Consumption of Intellectual Property, Ministry of Economic Affairs Cooperative prints 5. Description of invention (f). The present invention is particularly suitable for electronic commerce via the Internet, because the present invention enables purchasers to respond to the transaction in a confidential manner even if the transaction is generated through an insecure (for example: Internet) business channel. Pay for business transactions. However, the present invention can also be applied to other commercial forms (for example, mail order, telephone order, personal transaction, telephone fee payment, transaction via shared network, etc.) The invention can also be applied to confidential transactions, in this example In the present invention, the transaction only adds another layer of confidentiality to the transaction. Fig. 1 illustrates an embodiment of the present invention. The illustrated system may include a user / purchaser endpoint 10 (Endpoint 10), which may be a computer endpoint, an Internet compatible television, a pager, a mobile phone, a personal digital assistant (P DA), or any other similar endpoint 10. The endpoint 10 may include a monitor, a conventional card reader (not shown) for reading traditional credit cards, debitcards and / or smart cards (not shown) and some forms of input / output devices. Shows). The system includes a financial personal server 50 (personal server 50) and a payment server 40. The personal server 50 may be an independent computer (preferred method), a payment product of a payment server 40, or one or more software programs running on the payment server 40. The payment server 40 may be a traditional payment server 40 currently used to process bank cards such as V 1 sa, American Express, Master Card, Dis cover, or the like, and may be an exchange network 3 0 Part of it. Those skilled in this art will recognize that without departing from the scope of the present invention, a personal or shared computer server 9 (please read the precautions on the back before filling this page) • k ·. LINE_ This paper size applies to Chinese national standards (CNS) A4 specification (210 X 297 mm) 509855 A7 B7 Printed by the Consumer Cooperatives of the Intellectual Property Bureau of the Ministry of Economic Affairs. 5. Description of invention (L) The server can also be used as the payment server 50. A purchaser is provided with an account on the payment server 40 and an account number. The account may be used by the purchaser to store one or more billing cards (deb i t c a r d) / credit card numbers, bank account numbers, credit account number streams, or similar items. These payment options can be the buyer's account, a third-party account, or a combination thereof. In addition, the purchaser can have the ability to directly modify the information stored in the account, although such a feature is not necessary. Having a payment option that allows the purchaser to enter an unsaved credit card number or some other payment method is possible for a transaction payment. Where the purchaser has the ability to edit the payment option, the purchaser can have the option of saving this new payment method for future use. Although a system for providing an unsuitable account number will still fall within the scope of the present invention, the account number preferably conforms to current credit card numbering standards. The merchant server 20 may be a privately owned server operated by the merchant. For confidentiality purposes, the merchant server 20 may be excluded from accessing the merchant server 50 or information thereon. The merchant server 20 may be a network where the merchant performs, or a network operated by a third party for the merchant. It can also be a mail order business, a phone order business, a physical store, and so on. In addition, the term merchant is not restricted to goods retailers. This system can be used to purchase services' or to pay for auctioned goods or at almost any commercial transaction at an auction site such as E b a y τM. An interesting use of the invention is as a telephone card. One enters the current calling card information to 10 of a public phone (please read the precautions on the back before filling this page) Sample order-line. This paper size applies to China National Standard (CNS) A4 (210 X 297 mm) 509855 A7 ____ B7 V. Description of the invention (1) The problem is: there is a suspicious person who monitors people to type their numbers into public telephones, and then this person uses the information to pay for unauthorized calls. The present invention will prevent this from happening because the account number entered is also not directly connected to a financial source, so it is not useful for an unauthorized user of that account number. In order to access the account, the purchaser logs in by using the endpoint 10 and the software that may be loaded on it to establish a confidential link 80 to a personal server 50 that may or may not require a certificate of confidentiality . The security link 80 can be a security link through the Internet (for example, a S ET encryption link, etc.), it can be a direct dial link, and it can be a private or shared network. Link, or any other confidential link, or the purchaser may be provided with one or more of these connection options. If the link 80 is an Internet link, it is possible to maintain the link and contact the merchant server 20 at the same time. This is also possible for other options, however, it may require additional hardware. Those skilled in the art should understand that the link can be through a standard telephone line, an integrated services digital network (ISDN) line, a T 1 line, a coaxial cable, a wireless data link, etc., or the above Of combination. The system can also be operated by the buyer logging in to the personal server 50 and the merchant server 20 at different times. The purchaser provides the confidentiality certificate to the personal server 50, which identifies the purchaser and the account. Preferably, it is a public key certificate (pub 1 1 c Key Certificate), but it does not need to be public 11 This paper size is applicable to China National Standard (CNS) A4 (210 χ 297 mm) ---------- -1 I (Please read the notes on the back before filling this page) Order L -------- line ·! Printed by the Employees' Cooperatives of the Intellectual Property Bureau of the Ministry of Economic Affairs and printed by the Consumers ’Cooperatives of the Ministry of Economic Affairs 509855 A7 B7 V. Description of the Invention (?) The secret certificate of the key certificate can be provided to the personal server in many ways. It can be stored in a smart card and then accessed through a card reader (the preferred way). It can also be programmed to access the software of the personal server 50, which can be accessed by the The buyer inputs into the software, which can be programmed into software, which can be typed by the buyer or any combination of the above. Depending on the design choice, the purchaser can be restricted to a particular endpoint with access to the account, or the purchaser can allow access to many endpoints. After the purchaser connects to the personal server 50, he or she can enter one or more payment options. Once the option is entered, it is better, but not necessary, that the buyer is given the ability to modify the option, remove a paid option, add a paid option, or update a paid option. The following situations are also considered to be within the scope of the present invention: when a purchaser signs a service entered by a service provider, the purchaser can make a starting choice of a payment option. In this case, any changes to the payment option need to be provided to the service provider and entered there. However, it is also possible to give buyers the ability to directly modify some or all of this information. — But the buyer has an account and he or she can start a business transaction. In this embodiment, where the purchaser is logged on to the Internet, the purchaser can log on to a merchant server 20 and perform a purchase. The purchase may be completed by the merchant or by a third party who provides goods and / or services from the merchant's server 20. Once the price is agreed on the transaction, whether the price is negotiated or listed, the buyer provides the account number to the merchant server 20. This series is 12 paper sizes applicable to China National Standard (CNS) A4 (210 X 297 mm) (Please read the precautions on the back before filling this page)
509855 A7 B7五、發明說明（，） 經濟部智慧財產局員工消費合作社印製 夠以許多方式提供（例如，透過網際網路、電話、電子郵 件、郵寄服務、傳真等等）。 於此實施例中，其中，該帳戶號碼符合現行信用卡/ 結算卡（d e b i t c a r d )編號系統，該商人伺服 器2 0可以看待此項交易如同任何其他信用卡/結算卡購 買一樣。其將該項交易之卡號及金額送至一個銀行交換網 路3 0作爲授權之用。其係透過鏈結1 1 〇而達成。雖然 目前之鏈結1 1 〇係一個保密鏈結，然而其並不需要如此 ，因爲提供至該商人之帳戶號碼並無任何金錢鏈結其上。 因此’即使某人截取該帳戶號碼，其亦無法利用。因此， 由商人伺服器2 0至該付費伺服器4 〇之路徑，並不需要 透過如同該付費伺服器4 0及該卡發行人6 0及銀行7 〇 之間之交換網路3 0—樣之交換網路3 0 (雖然最好是一 樣的）。由該商人伺服器20至該付費伺服器40之路徑 可以是透過一個保密或未保密的路徑（例如，其可以透過 網際網路、銀行交換網路、P S T N、某些其他路徑’或 上述組合）。 該銀行交換網路3 0係一個諸如用於V i s a ' M a s t e r C a r d等等之銀行卡處理網路，其確認包含於 該卡號之內之銀行機構資訊。舉例而言，該卡號之前4位 數可以包含該卡發行銀行之識別。此資訊係可被所有傳統 系統所確認，且作爲設定該項交易至適當的付費機構之路 徑之用。因此，該商人伺服器2 0不需要知道由該購買者 所提供之卡號未鏈結至一個金融機構。該銀行交換網路3 13 ^紙張尺度適用中關家標準（CNS)A4規格（210 X 297公釐） (請先閱讀背面之注意事項再填寫本頁) Φ i tmmr tmmm 訂~---- 線· 509855 經濟部智慧財產局員工消費合作社印製 A7 B7 五、發明說明（[〇 ) 0設定該項交易至該相關金融付費伺服器4 0之路徑。然 後，該付費伺服器4 0交付該電子交易至該金融個人伺服 器5 0。假如，該購買者登錄於該個人伺服器5 0之上， 該個人伺服器可以使一個疑問螢幕顯示於端點1 0之上。 該疑問螢幕可以通知該購買者購買價格、請求授權及付費 方式。假如該購買者拒絕授權（例如，購買者改變其心意 ，或者該交易係欺詐的），則拒絕或具有理由之拒絕係被 送回至該付費伺服器，該付費伺服器接著送回一個授權拒 絕至該商人伺服器2 0 (具有或不具有理由）。 假如購買者想要允許該項交易，且該購買者之帳戶已 經設置不同的付費選項，則該購買者然後選擇先前輸入之 選項之一。此付費資訊係透過保密鏈結1 0 0而送回至該 付費伺服器4 0。該付費選項之一係輸入先前未輸入之付 費資訊（例如，信用卡/結算卡等等）亦係可能的。根據 設計之選擇，該購買者可能需要輸入一個授權碼及該付費 選擇，或者該付費選擇亦能用以作爲授權碼。一旦該付費 伺服器接收該付費選擇，其設定該付費資訊及交易資訊至 該用於授權之卡發行人6 0之路徑。假如其接收該請求之 授權，其提供一個授權碼至該商人伺服器2 0，且該項交 易可以被該商人所完成。假如該付費方式爲該卡發行人所 拒絕（不管因爲存款不足或某些其他理由），則該商人伺 服器2 0係能夠被提供該拒絕、或者該商人伺服器2 〇及 該個人伺服器5 0係能夠被提供該拒絕、或者該個人伺服 器係能夠被提供該拒絕，且該購買者能夠被賦予選擇另一 14 本紙張尺度適用中國國豕標準（CNS)A4規格（210 X 297公f ) ϋ H ϋ mmtmmm ammmmmm n I ϋ n IK 1_ ϋ · d__· __1 In Hi f IV» 11 V「+ I n n Bn (請先閱讀背面之注意事項再填寫本頁) 線· 經濟部智慧財產局員工消費合作社印製 509855 A7 B7 五、發明說明（Μ ) 個付費方式或取消該項交易之機會。 可想得到的，當該交易發生時，該購買者未登錄於該 個人伺服器5 0之上。因此，當該付費伺服器4 0轉送該 請求至該個人伺服器5 0時，該購買者可能未登錄。假如 此種情形產生，該個人伺服器能夠被程式設計以緩衝儲存 該請求，直到該購買者再次登錄爲止，該個人伺服器能夠 被程式設計以定位該購買者（例如，透過一個呼叫系統、 一個於電話上之特殊環、一個行動電話之呼叫、電子郵件 、一個短訊服務（short messaging s e r v i c e，S M S )等等，或者上述之組合），該個 人伺服器能夠被程式設計以拒絕任何如此之交易或接受所 有如此之交易，其係根據該購買者所作之選擇而定，或者 該個人伺服器能夠被程式設計，以接收所有在一個預先決 定定臨界金額以下之交易，且對所有其他交易實施先前選 項之一。嚴格來說，所採取之行爲係一個設計選擇。假如 該個人伺服器係被程式設計以定位及通知該購買者，則該 購買者被賦予不必登錄該伺服器而直接回應該通知之能力 係可能的。 因此，可看見的是，由先前說明可淸楚瞭解，本發明 有效地達成上述之目的。特別是，本發明提供一個促進商 業交易的保密付費之系統及方法，不管該項交易係發生於 一個保密或未保密之商業通道之上。熟悉本項技藝人士應 可瞭解，說明於第1圖之結構揭示一個系統，該系統允許 一個購買者於一個可能是或可能不是保密之商業通道之上 15 本紙張尺度適用中國國家標準（CNS)A4規€ (210 X 297公餐) 一 (請先閱讀背面之注意事項再填寫本頁) 訂------ 線- 509855 Α7 Β7 五、發明說明（θ) 實施購買，及提供該商人一個對於商人而言係一個正常結 算卡/信用卡帳戶之帳戶號碼，然後，選擇一個付費選項 ，且透過一個保密網路，傳達該選項至一個金融機構。本 發明所提供之保密等級係根據該購買者及該個人伺服器之 間所建立之保密等級而定，因而能移除該購買者及該商人 之間之通訊之一個保密通道之需求。 應可瞭解的是，在不偏離本發明之範疇下，上述之架 構中及上述操作順序係可以改變的。因此，申請人意欲將 包含於上述所有敘述中之事項或示於後附涵示中之事項解 釋爲例示性的而非限制性的。 亦應瞭解的是，下列申請專利範圍意欲涵蓋於此所述 之本發明之所有總稱的及特別的特色，且由於語言的本質 ’所有本發明之範疇之敘述可以說落入其中。 -------------蠓 (請先閱讀背面之注意事項再填寫本頁)509855 A7 B7 V. Description of the Invention (,) Printed by the Consumer Cooperatives of the Intellectual Property Bureau of the Ministry of Economic Affairs It can be provided in many ways (for example, through the Internet, telephone, e-mail, mailing service, fax, etc.). In this embodiment, where the account number complies with the current credit / debit card numbering system, the merchant server 20 can treat the transaction like any other credit / debit card purchase. It sends the card number and amount of the transaction to a bank exchange network 30 for authorization. This is achieved by linking 110. Although the current link 110 is a confidential link, it does not need to do so because the account number provided to the merchant does not have any money linked to it. So 'even if someone intercepts the account number, it will not be available. Therefore, the path from the merchant server 20 to the payment server 40 does not need to pass through the exchange network 30 as the payment server 40 and the card issuer 60 and the bank 70. Exchange network 3 0 (although preferably the same). The path from the merchant server 20 to the payment server 40 may be via a confidential or unsecured path (for example, it may be via the Internet, a bank exchange network, PSTN, some other path ', or a combination thereof) . The bank exchange network 30 is a bank card processing network such as used for Visa'Mastecaard, etc., which confirms the information of the banking institution included in the card number. For example, the first 4 digits of the card number may include the identification of the card issuing bank. This information can be confirmed by all traditional systems and is used as a way to set up the transaction to the appropriate paying agency. Therefore, the merchant server 20 does not need to know that the card number provided by the purchaser is not linked to a financial institution. The bank exchange network 3 13 ^ The paper size applies the Zhongguanjia Standard (CNS) A4 specification (210 X 297 mm) (Please read the precautions on the back before filling this page) Φ i tmmr tmmm Order ~ ---- Line · 509855 Printed by A7 B7, Consumer Cooperative of Intellectual Property Bureau of the Ministry of Economic Affairs 5. Description of Invention ([0) 0 Set the path of the transaction to the relevant financial payment server 40. The payment server 40 then delivers the electronic transaction to the financial personal server 50. If the purchaser logs on to the personal server 50, the personal server can cause a question screen to be displayed on the endpoint 10. The question screen can inform the purchaser of the purchase price, request authorization, and payment method. If the purchaser refuses to authorize (for example, the purchaser changes his mind, or the transaction is fraudulent), the refusal or justified refusal is returned to the payment server, which then returns an authorization rejection To the merchant server 20 (with or without a reason). If the purchaser wants to allow the transaction and the purchaser's account has been set up with different payment options, the purchaser then selects one of the previously entered options. The payment information is sent back to the payment server 40 through the confidential link 100. One of the payment options is also possible to enter payment information that was not previously entered (for example, credit / debit card, etc.). Depending on the design choice, the purchaser may need to enter an authorization code and the payment option, or the payment option can also be used as the authorization code. Once the payment server receives the payment option, it sets the path of the payment information and transaction information to the card issuer 60 for authorization. If it receives the authorization of the request, it provides an authorization code to the merchant server 20, and the transaction can be completed by the merchant. If the payment method is rejected by the card issuer (regardless of insufficient deposits or some other reason), the merchant server 2 0 can be provided with the rejection, or the merchant server 2 0 and the personal server 5 0 series can be provided with the rejection, or the personal server system can be provided with the rejection, and the purchaser can be given the option to choose another 14 paper sizes that apply the Chinese National Standard (CNS) A4 specification (210 X 297 public f ) ϋ H ϋ mmtmmm ammmmmm n I ϋ n IK 1_ ϋ · d__ · __1 In Hi f IV »11 V" + I nn Bn (Please read the notes on the back before filling this page) Consumption cooperative prints 509855 A7 B7 5. Invention Description (M) A payment method or opportunity to cancel the transaction. It is conceivable that when the transaction occurs, the purchaser is not logged on the personal server 50. Therefore, when the payment server 40 forwards the request to the personal server 50, the purchaser may not be logged in. If this happens, the personal server can be programmed to buffer the request, Until the purchaser logs in again, the personal server can be programmed to locate the purchaser (for example, via a call system, a special ring on the phone, a call from a mobile phone, email, an SMS service (Short messaging service (SMS), etc., or a combination thereof), the personal server can be programmed to reject any such transaction or accept all such transactions, depending on the choice made by the purchaser, or The personal server can be programmed to receive all transactions below a predetermined threshold and implement one of the previous options for all other transactions. Strictly speaking, the action taken is a design choice. If the individual The server is programmed to locate and notify the purchaser, it is possible that the purchaser is given the ability to respond directly to the notification without having to log in to the server. Therefore, it can be seen that it can be clearly understood from the previous description The present invention effectively achieves the above-mentioned objects. In particular, the present invention provides A system and method for promoting confidential payment of commercial transactions, regardless of whether the transaction occurred on a confidential or unclassified commercial channel. Those skilled in the art should understand that the structure illustrated in Figure 1 reveals a system, This system allows a purchaser to be on a commercial channel that may or may not be confidential. 15 This paper size applies the Chinese National Standard (CNS) A4 Regulations (210 X 297 meals). (Please read the precautions on the back before Fill out this page) Order ------ Line-509855 Α7 Β7 V. Description of the invention (θ) Implement the purchase and provide the merchant with an account number that is a normal settlement card / credit card account for the merchant, and then select A paid option and communicated to a financial institution through a secure network. The security level provided by the present invention is based on the security level established between the purchaser and the personal server, so that the need for a security channel for communication between the purchaser and the merchant can be removed. It should be understood that, without departing from the scope of the present invention, the above-mentioned structure and the above-mentioned operation sequence may be changed. Therefore, the applicant intends to explain the matters contained in all the above narratives or the matters shown in the attached appendixes as illustrative rather than restrictive. It should also be understood that the scope of the following patent applications is intended to cover all of the general and special features of the invention described herein, and due to the nature of the language ′ all the description of the scope of the invention can be said to fall into it. ------------- 蠓 (Please read the notes on the back before filling this page)
—訂ί I 線^-· 經濟部智慧財產局員工消費合作社印製 16 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公f )—Order I line ^-· Printed by the Consumer Cooperatives of the Intellectual Property Bureau of the Ministry of Economic Affairs 16 This paper size applies to China National Standard (CNS) A4 (210 X 297 male f)