575845 五、發明說明 【發明所屬之技術領域】 j务明係有關於一種網路批次 夺日一種可脾次极 心兔岫作業方法，其尤 金融之作業方法。 、仿^方式係為批次之使用於 【先前技術】 按’現行信用卡之申請及傕用揎斗 ^ '、畏行提出申請，一旦通過資格、J ，申請人先向發卡 步驟2 0 〇， 步驟30 0’ 步驟4 0 0 ’ 步驟5 0 0 ’ 步驟60 0’ 消費，請參閱第1圖，其係為；；可使用該信用卡進行 如圖所-現行之刷卡：業卡方 業拉式，其主要之步驟至少包含有：係為—種單筆之作 步驟100’ ，持卡人至商家進行消費； 該商家利用讀卡機讀取資料. 利用一資訊網路傳輪資料至丄 该收早早位再傳輸至一 收單單位； 該持卡銀行審核卡、卞銀行； 該持卡銀行回傳審二，正確性；及 此為現行—般信用卡進行^貝^至商家。 方二，所以-但利用信用卡進行多以進行資料傳輪之 務傳輸，極為費時且毫無效率；：為時，都需要 、·罔路進行繳款之模式也漸趨增加，发㈢夕，且也可利= 便，現行網路商家以每筆每筆 ς认式皆利用信用 為耗時不符合經濟效益。㈠仃傳輸至發卡銀行^575845 V. Description of the invention [Technical field to which the invention belongs] J Wuming is concerned with a network batch operation method that can be used to win the sun, especially the financial operation method. The imitation ^ method is used in batches in the [prior art] application according to the "application of current credit card and use of dou ^", fear of application, once the qualification, J, the applicant first to the card issuing step 2 0 0, Step 30 0 'Step 4 0 0' Step 5 0 0 'Step 60 0' For consumption, please refer to Figure 1; it is; The main steps include at least: a single operation step 100 ', the cardholder to the merchant for consumption; the merchant uses a card reader to read the data. Use an information network to transfer the data to the Receive early and then transmit to an acquiring unit; the card-holding bank reviews the card and the bank; the card-holding bank returns the review to the second, correctness; and this is the current-normal credit card to the merchant. Party two, so-but the use of credit cards for data transfer is extremely time-consuming and inefficient; for the time being, the mode of payment required by Kushiro is also increasing, And it is also beneficial = convenient, the current online merchants use credit for each transaction, which is time-consuming and not economical. ㈠ 仃 Transfer to card issuing bank ^
第5頁 575845 ---—_ 五、發明說明（2) ----—_____ 因此，如何針對上述問題而提出一種新穎網路 a 業方法，可改善現行需一筆筆傳輸之缺點，-入之 ~ ，〜 π η町珂上述問題 1融ΐ業方法，可改善現行需........”點，長久、,Page 5 575845 -----_ V. Description of the invention (2) -------- _____ Therefore, how to propose a novel network industry method for the above problems can improve the shortcomings of the current one-shot transmission. ～ ～ π ηmachi Ko The above problem 1 integration of industrial methods can improve current needs ........ ", long-term ,,
_ 直是使用者殷切盼望及本發明人念茲在茲去 久U =t基於多年從事於信用卡相關產品之研究、開双而本發 =貫務經驗，乃思及改良之意念，窮其個人之專及鎖 f :研究設計、專題探討’終於研究出路:,， 无/作業方法改良，可解決上述之問題。 』路批次之 【發w u 友疋 t發明之主要目的，在於提供一種網路批次 ::J，其係提供—批次之數據傳輸系 $融作 路傳輪大量之資料，以利進行金融之相關作；用-資訊網 業方ί發：；在於提供-種網路批次之金融作 :其係如供一更具效率之傳檔及作業 蛐作 發明之又一目的，在於提供—$ ;:法，其係提供-降低成本及減少人c金融作 企業之競爭力。 刀粍費，以提升在 人力ΐ::ίΠϊϋΓ”之方式’以節省適當之 ;:網路傳輸複數筆申請ί用iX钭：二融單位以 ±A t 用卡之複數個持卡人以传用卡於Π ί 位； 位；該收單單位於固定筆刷卡資料至-收單單 數筆資料；該收單單位再 ^上收取商家所傳輸之複 早位再將该複數筆資料傳輪至一仲介： 575845 五、發明說明（3) 關；該仲介機關再予以分離各個 ' 個金融單位並於固定時間至該仲：：：刷卡資料；各 之刷卡資料並進行儲存。本發明1係^人取各個發卡單位 夕。稅捐稽徵機關、金融機構及：費；：^用在網路商家 費、電信費、瓦斯費及監理規費 ^種以、水費、電 你入又，應用於複數筆刷卡資料於同-時H m 仲"機關，而發卡單位係於固 ^間以、、冯路傳輸至 關收取複數筆資料，其主要步驟：：：，網路至該仲介機 用卡進行複數筆付款時；該 ；/ =包括··持卡人以信 刷卡資料至仲介機關；該^介 以貧訊網路傳輸複數筆 取該持卡人所傳輸之複數筆資料於固定時間於網路上收 各個發卡單位之刷卡資料…固以：：關再予以分離 該仲介機關收取各個菸+留从 ^卞早位並於固定時間至 【實施方式】 刷卡貧料並進行儲存。 茲為使貴審查委員對本 功效有更進-步之瞭解與認識：J結構特徵及所達成之 合詳細之說明，說明如後： 造佐以較佳之實施例及配 本發明係為一種網路批次八 應用於複數筆刷卡資料於同一日士至融作業方法，該方法係 ，而金融單位係於固定時間利間以網路傳輸至仲介機關 數筆資料，請參閱第2圖、/其^路至該仲介機關收取複 之流程圖；如圖所示，Α屯、'本為本發明之一較佳實施例 步驟1 0 0，一收單單 v驟至少係包括·· 早早位以_路傳輪複數筆申請信用卡 575845 五、發明說明（4) 步驟2 0 0 步驟3 0 0 步鱗4 G 0 步驟5 0 0 步驟6 0 0_ It is the user ’s earnest hope and the inventor of the present invention is here for a long time. U = t Based on years of research and development of credit card-related products, and open source = executive experience, I am thinking and improving ideas, and I am poor. Specialization and lock f: research design, special discussion 'Finally the way out: ,, improvement of none / operation method can solve the above problems. "The main purpose of the invention of the road batch is to provide a network batch :: J, which provides-batch data transmission is to integrate a large amount of data in the road to facilitate the process. Finance-related works; use-information network operators to issue :; to provide-a kind of online batch of financial works: it is for a more efficient transfer and operation of the invention, another purpose of the invention is to provide — $;: Method, which is to provide-reduce costs and reduce the competitiveness of human finance. Sword fee to improve the manpower ί :: ίΠ ”Γ" to save the appropriate ;; Internet transmission of multiple applications ί for iX 钭: Errong unit with ± A t card for multiple cardholders to pass Use the card at Π digits; the acquiring unit fixedly swipes the card data to-the number of data of the acquiring order; the acquiring unit receives the multiple early bits transmitted by the merchant and then transfers the multiple data to one Intermediary: 575845 V. Description of the invention (3) Off; the intermediary agency will separate each 'financial unit and arrive at the intermediary at a fixed time ::: credit card information; each credit card information and save it. 1 of the invention 1 Take each card issuer. Tax collection agencies, financial institutions and: fees; ^ used in online business fees, telecommunications fees, gas fees and supervision fees The multiple card swiping data is in the same-time H m Zhong " organization, and the card issuing unit is to receive the multiple data by transmitting to the customs office with Feng and Lu Road. The main steps are: When the card is making multiple payments; this; / = includes ... Credit card data to the intermediary agency; the ^ refers to the poor information network transmission of multiple pens to obtain the card holder's multiple data transmitted at a fixed time on the network to receive card information from each card issuer ... Separate the intermediary agency to collect each cigarette + stay from ^ 卞 early position and fixed time to [Implementation] Swipe the card and store the material. In order to make your review committee have a further understanding and understanding of this effect: Structure J The detailed description of the characteristics and the agreement reached is as follows: The preferred embodiment and the present invention are a network batch method, which is applied to multiple swipe card data on the same day. The method is And the financial unit transfers several pieces of data to the intermediary agency through the network at a fixed time and time, please refer to Figure 2 and / or its route to the intermediary agency to receive the reply; as shown in the figure, Αtun, ' This is a preferred embodiment of the present invention. Step 1 0, a single receipt v step includes at least early application of credit card 575845 with multiple passes _5. Description of the invention (4) Step 2 0 0 Step 3 0 0 step scale 4 G 0 step 5 0 0 step 6 0 0
之電子資％L ，辞你人料至一仲介機構； 口/中"機構將該電子 收單單位； 电于貝枓建檔並回授權給予該 ’該申請信用+ 商家進行消# w複數個持卡人以信用卡於同一 订4費性付款時； 5該商家以資訊網_後认> 單單位·、 專輸複數筆刷卡資料裏該收 該收單單位再傳 — 該仲介撼 仲η機闕； 1機關於固定時間於 步驟700 步驟8 0 〇 位所傳輪之複數筆資料1於㈣上收取該收早早 :仲丄機關再予以分離各個發卡單位之刷卡資 位並於固定時間至該仲介機關收取 m/^發卡早位之刷卡資料並進行儲存。 具中该商家可以自行盥夂 廿 資料至該仲介機關收二‘二立：定複數筆刷卡 ;定時間下載該資料，而其利用程式設定 卡賁料傳輸至嗲金％ i ^為_人進行複數筆刷 ，筆刷卡資料，於相同時間進行傳輸至付款 :方法如應用於複數筆刷卡資料於：：：位。 ::仲介機關’而金融單位係於固定：=網路傳 j -較佳實施例之流程圖；士 ，/糸為本發明之 包括： 如圖所不其主要步驟至少係 第8頁 575845The electronic asset% L, you are expected to go to an intermediary agency; the mouth / Chinese " agency will be the electronic acquiring unit; create a file in Beiyi and return authorization to give the 'the application credit + merchants to eliminate # wpl Each cardholder pays 4 times for the same subscription with a credit card; 5 The merchant uses the information network _ post-acknowledgement> single unit ·, the number of swiping card information should be accepted and the acquiring unit should be re-transmitted — the agency shakes the agency η machine 1; 1 machine for a fixed time in step 700, step 800, the number of rounds of information transmitted 1 received on ㈣ the early receipt: Zhongyao authorities will then separate the credit card of each card issuer and the fixed time Until the intermediary agency collects the card swiping information of the m / ^ card issued early and stores it. In the tool, the merchant can collect the information to the agency for collection. The number is two: swipe the card; download the data at a certain time, and use the program to set the card to transfer the data to the gold% i ^ for _ Multiple brushes and swipe card data are transmitted to the payment at the same time: The method is applied to multiple swipe card data at ::: bit. :: intermediary agency 'and the financial unit is fixed: = network transmission j-flow chart of the preferred embodiment; ，, / 糸 is the present invention including: As shown in the figure, the main steps are at least page 8 575845
575845 圖式簡單說明 第1圖：其係為信用卡單筆作業傳輸方式流程圖； 第2圖··其係為本發明之一較佳實施例之流程圖；及 第3圖··其係為本發明之另一較佳實施例之流程圖。575845 Brief description of the diagram Figure 1: It is a flowchart of a single operation of a credit card; Figure 2 is a flowchart of a preferred embodiment of the present invention; and Figure 3 is a flowchart of A flowchart of another preferred embodiment of the present invention.