TWI224266B - Three-way participation monetary control scheme on internet - Google Patents

Abstract

A three-way participation monetary control scheme on Internet is disclosed. The system controls the monetary transactions from at least a payer to at least a payee caused by at least one purchase of product and/or service by a purchaser. The system comprises an identification, authentication and payment allowance inspector, a payment granter, and a payment releaser. The identification, authentication and payment allowance inspector accepts remote log-in of a purchaser via network after successful identification and authentication. The inspector further grants the authenticated purchaser's purchase request to at least a payer for the purchase of product and/or service. The payment granter inspects the purchase request submitted by the authenticated purchaser and grants the permission upon affirmative inspection result according to pre-set conditions. The payment releaser releases the payment to be paid by the at least one payer for the granted purchase to the payee entitled to this purchase. The payment releaser computes and summarizes all purchases recorded after a pre-set period of time for the control of all monetary transactions from payers to payees and substantiates the actual payment after all payers have cleared all their outstanding payment conditions.

Description

1224266 V. Description of the invention (l) The technical field to which the invention belongs: The present invention is a gold flow control system that can be executed on the Internet, especially a three-party gold flow control system that can be executed on the Internet. 0 Previous technology :

Due to the popularity of the Internet and advances in secure transaction mechanisms, the use of electronic funds via the Internet to conduct electronic fund transfers has gradually become widely accepted by the general public. . Such as purchasing products, paying for basic services such as water and electricity, and even making donations to charities, etc., a higher proportion of gold flow transactions involving money payments has been conducted through the Internet. For each individual or company that pays fees, the amount of products or services it purchases from individual manufacturers each time can be large or small. Generally speaking, large payments need to be subject to more careful monitoring. ”Transfers made via the Internet do not cause problems. However, small payments in general are usually less noticeable and are more prone to problems.

The block diagram in Figure 1 shows how the flow of money is traditionally controlled when paying for a product or service. The control mechanism involved in this payment flow is basically a one-party interaction mechanism. The user of the product or service 1 1 2, that is, the payer in the mechanism 丨 丨 〇, when it is an enterprise or group, the strict quotient of the product / service provider 1 6 2 'includes individual manufacturers 1 6 2 a, 1 6 2 B ···, 1 6 2 N, paid separately. User 丨 丨 2, that is, to the purchase decision mechanism 丨 丨 4

1224266 V. Description of the invention (2) Seek to pay the manufacturer separately from the funds 1 18 c) For example, each a for each expense of a company employee traveling 1 will not trigger an immediate inspection if it is within the prescribed amount 〇 However, according to the typical mechanism in Figure 1, the improper expenditures will only be found by the accounting department at the end of the month or at the end of the business trip. 0 For example, parents who often pay for school children who travel abroad are also It is impossible to conduct real-time inspection and understanding. For another example, the overall society ’s donations to all charitable organizations may also be distributed unreasonably. The exposure and 1¾ popularity of large charitable organizations ’magnetic contributions to social donations. Makes hard and silent remote small charities almost impossible to recruit Donations 0 If secondary donation organizations such as joint persuasion are used to distribute the donations collected by these small charities, the overall donation efficiency of charity will decrease due to the use of funds by the secondary donation organization. SUMMARY OF THE INVENTION Therefore, one of the inventions @@ is to provide a three-party gold flow control system that can be implemented on the Internet. The payer can understand the purchase situation of the product / service and the details of the purchaser in real time. Controlling. Another aspect of the present invention is to provide a three-party gold flow control system that can be executed on the Internet. The related data flow of its operation does not directly and immediately involve the actual gold flow, so it can be greatly improved. Its security 0

1224266 V. Description of the invention (3) Another object of the present invention is to provide a three-party gold flow control system that can be executed on the Internet. The payers can be statistically checked after a long time interval. Funds are actually transferred and paid, so you have the opportunity to filter and check for abnormalities. To achieve the foregoing and other objects, the present invention provides a three-party participation gold flow control system that can be executed on the Internet. This system can be used to control the flow of funds paid by at least one payer to at least one payee as a result of the purchase of products and / or services by at least one purchaser. Such a system includes an authentication and payment limit checker, a payment reviewer, and a payment controller. The identification certificate and payment limit checker can accept the buyer to log in remotely through the network and identify it. It also allows a purchaser authenticated by login to request the at least one payer to purchase the products and / or services they need. The payment reviewer accepts the purchaser's request to purchase products and / or services through login authentication and reviews its purchase request. When the logged-in purchaser meets the predetermined conditions, he agrees to the purchase. When the payment controller agrees with the purchase request, the payment controller allocates the funds of the at least one payer to the payee for the sale. The payment controller also aggregates all purchase records after a predetermined time interval, in order to control the flow of funds from the payer to the relevant payee, and to make the actual payment without any doubt about payment by all payers. The invention also provides a three-party charity donation flow control system that can be implemented on the Internet. This system can be used to control the flow of charitable funds from at least one donor to at least one recipient due to the distribution of donations by at least one donor. This system includes an identification certificate and donation amount

1224266

Check and donate to those who sign in. The donor's charity seeks, checks, and checks the amount of money in the charity system, and sends donations to allocate the pre-contribution donations, and the review and payment schedule of the review request to the review request is determined by the donation donation checker. When the device is connected, and the condition is the same as the donation, those people will benefit from it. When the review of the accessible certification is less than one that has been reviewed, it means that the inter-partition donation donation device is accepted by the recipient. That is, the donors of the same category shall express their concerns to the latter and — donate points and allow the donors to log in to identify the funds assigned by the allocation of the funds. Those who actually control the donation certificate are registered by the website. When dispatching, donate to these charitable donors. The Internet recognizes the donation login 〇 donate the donation to the charity donation 0 identification certification on the road and remotely authenticated donation One less than the donation Distributor's monthly payment distribution controller Donor's. Donation Control Assignment of Fund Flow of Funds Implementation Method: The block diagram of Figure 2 shows the basic structure of a three-party gold flow control mechanism that can be performed on the Internet according to a preferred embodiment of the present invention. The control mechanism involved in the payment flow of the present invention is a three-party interaction mechanism compared to the traditional method in FIG. 1. Note that the three parties in the infrastructure of Figure 2 include buyer 212, payer 210, and vendor 262. The purchaser 2 1 2 of the product or service, that is, the payer 2 1 0 in the mechanism, when it is an enterprise or group, 'to the manufacturer / provider providing the product / service 2 6 2' includes the individual manufacturer 2 6 2 A, 2 6 2 B '···, 2 6 2 N, purchase products / services. The purchaser of the product / service 2 1 2, that is, the individual in the enterprise / group, requests the decision-making monitoring mechanism 2 1 4 in order to pay the manufacturer separately. When payment is agreed,

1224266

V. Description of the invention (5) Payment mechanism 2 1 6 will be paid with funds 2 1 8. Of course, it should be noted that product / service purchases can be made immediately or by appointment. For example, some employees / employees traveling abroad must purchase some products / services immediately. Figure Buy within the authorized amount, afterwards. The mechanism of Figure 2 allows purchasers 2 1 to retrospectively without any dispute. On the other hand, some products / services must be confirmed by the company's management department for a period of time before payment. The purchase of these products / services is exclusively made in advance, and will be formally purchased from Ma: after obtaining confirmation. As will be explained in detail later, the three-party participation purchase and payment mechanism shown in Figure 2 is the basic structure of the system of the present invention, which can be applied to a variety of different application scenarios, such as the aforementioned company / employee / vendor, parent / Children / vendors, and donors / distributors / charities, etc., a three-way interactive gold flow control mechanism. For example, although only one purchaser 2 1 2 is shown in FIG. 2, in an application example in which parents pay for school children, the number of children represented by purchaser 21 2 may be more than one, as shown in FIG. 3 Displayed situation. The block diagram of FIG. 3 shows a two-party participation purchase and payment mechanism constructed according to the infrastructure of FIG. 2. Noting that whether as an employee of the company,

， 丄 όΙZΑ, ϋ 1 Z15 9…, ό 丄 乙 ινίί 疋 疋 mechanism to obtain the products and / or services needed for work. In contrast, 'parents with few children 312A, 312B, ..., 312K, as payers 3 1 0' can provide fees for children 3 1 2 who are not able to earn money for school, and pay 1224266. 5. Description of the invention (6 ) Manufacturers who provide children with the products / services needed for schooling 3 62, including multiple individual Weishang 362A, 362B, ..., 362N. For example, if employees of the enterprise need to purchase the services of manufacturer 362B for 312K-1 work, they will apply the necessary application procedures to the payer (ie the company) 3 1 0 control system 3 1 4. If the review mechanism 3 1 7 B is approved, the payment mechanism 316B will be allocated from the enterprise fund 318 and paid to the manufacturer 3 6 2B. Since this system method of the present invention can be implemented on the Internet, in order to avoid suffering from counterfeit losses, the purchaser 3 1 2 reports the purchase to the payer 3 1 4 through the password of identification authentication and quota checking mechanism 3 1 5 Identify. The mechanism 3 1 5 also examines whether the lecture is acceptable based on the amount of consumption. Or, for example, children 1 2 K-1 who are out of school must purchase products from the manufacturer 3 6 2 B because they need to go to school, and then pay the control system 3 1 4 of the payer (ie the parent) 3 1 4 for necessary Application process. If the review mechanism 3 1 7 B passes the declaration 'payment mechanism 3 1 6 B, the funds will be transferred from the parent's bank account 3 1 8 and paid to the manufacturer 3 6 2B. Of course, as understood by those skilled in the art, 'children usually do not “apply” to their parents for payment. The control system 3 1 4 and its review mechanism 3 1 7 B in this example may be the control review mechanism exercised by the control system of the parent's bank. As mentioned above, the purchaser 312 in FIG. 3, whether it is an employee of the company or the child whose parent f is studying outside, the purchase action is required anytime and anywhere and may occur on the mother's day. The review of the control system 31 4 can review the records at any time and determine 2 For example, summary statistics at the end of the month and month, and then notify the payer 3 1 0, whether it is a closed company or the chief executive. In this way, the payer will have the opportunity to understand the cost situation of the buyer 312 'for effective control.

1224266 V. Description of the invention (7) Figure 4 is a flow chart showing the operation flow of the three parties participating in the purchase and payment mechanism of Figure 3. After the program starts at step 4 0 0, the buyer 3 1 2 (refer to FIG. 3) logs in to the system at step 4 2. Step 4 0 4 According to the relevant information of the purchaser, determine whether to accept the login. If the purchaser enters the information incorrectly, or if someone is trying to break into the system, the process proceeds to step 4 2 0, and the operation is directly ended. If the buyer's login information is correct and accepted by the system, the process can proceed to step 406. According to the buyer's status data, check whether the real-time quota of the buyer is used up. If yes, it means that the buyer has no quota available at present, and the k process directly proceeds to step 4 2 0 to end the operation. If it is determined in step 4 0 that the purchaser still has a purchase quota, the process proceeds to step 4 8 and the purchaser selects the supplier of the product or service he needs. The buyer then selects the payer who should pay for this purchase in step 410. It is noted that usually there is only one accounting department in a company, but in some cases, the purchase needs of employee purchasers may be different due to different plans or departments, and there may be different payers. After step 4 10 determines who the payer is, the process proceeds to step 4 1 2 to check whether the payment limit of the selected payer still has a balance at this time. If so, the process proceeds to step 4 1 4 to allow the purchaser to formally determine to purchase the product or service from the selected manufacturer. After the buyer completes the purchase in step 4 1 4, the process can proceed to the next step 4 1 6 and ask the buyer if he needs to make the next purchase. On the other hand, if step 412 finds that the payer's payment limit is insufficient at this time, the process proceeds to step 416, so that the buyer has the opportunity to make the next purchase.

1224266 V. Description of the invention (8) If the buyer decides in step 4 1 6 that the next purchase is not to be made, the process proceeds to step 4 1 8 to display the appropriate message to the buyer and end at step 4 2 0 Process. If the buyer decides to make the next purchase operation, the system skips back to step 4 6 and restarts the process. The previous description of the flowchart in FIG. 4 is based on the example of an enterprise employee purchasing products and / or services needed for work, but as before, the same or similar method is used in the case where parents pay for school children. Figure 5 shows an example of a web page design that allows buyers to use a graphical interface to perform a three-party purchase payment operation in a simple way of clicking and dragging. The webpage example in Figure 5 is roughly divided into three vertical blocks, namely the payer column 5 70 on the left, the vendor column 5 9 0 on the right, and the purchase login block 5 8 0 in between. The payer column 5 7 0 in FIG. 5 has five fields 571, ..., 5 7 5 and displays the data of the payers A to E, respectively. Similarly, there are four fields 5 9 1, ..., 5 9 4 for the manufacturer's bad 590, which respectively show the data of the manufacturers A to D. Utilizing the conventional operation of the page up and down in the use of the computer, the data of more than five payers and four manufacturers can be displayed to the operator, that is, the buyer, as a reference when performing the purchase operation. The purchase login column 5 8 0 in FIG. 5 has three rows of three columns each 5 8 1 A, 5 8 1 B and 5 8 1 C, ... and 5 8 3 A, 5 8 3 B and 5 8 30. For example, In the embodiment of the three-party operation of the present invention shown in the flowchart of FIG. 4, the actual selection operation of the purchase target manufacturer and the payer performed by the purchaser in steps 408 and 4 10 are considered. Assume that the buyer wants to ask payer D to pay and purchase the product or service of manufacturer B. Buyers can find and click on the image of manufacturer B in the screen 5 5 0 of the web page, and in the manufacturer column 5 9 0 on the right.

1224266 V. Description of the invention (9) (i con) ’and the payer on the left hand side 5 7 0 to find and click on the image of payer D. After clicking the manufacturer and the payer, the basic information of the two can be displayed in the vendor status summary stop 5 5 4 and the payer status summary bar 5 5 3 at the bottom of the web page screen. These basic status data can assist buyers in making purchase decisions.

When the purchaser decides to ask the payer D to pay and purchase the product or service of the manufacturer B, using the web page design 5 5 0 of FIG. 5, the purchaser can display a purchase target manufacturer in the manufacturer column 5 9 0-5 The manufacturer B in the 2 column can be placed in the 5 8 3 A column in the purchase login column 5 8 0 by using the mouse to click and drag. Note that in the daytime webpage of Fig. 5, at the same time, the images of manufacturers η and X appear in the 5 8 1 A and 5 8 1 positions in the structure purchase registration column 5 80. This means that the purchaser has previously purchased products / services from both vendors. At the same time, the upper two stops 5 5 1 and 5 5 2 in the buy-in login column 5 80 can display, for example, the current remaining payment amount of the payer D and the current accumulated payment of the manufacturer B.

Of course, as can be understood by those skilled in the art, the webpage of FIG. 5 in the daytime page 5 50 'uses appropriate web design to provide a system that is not detailed in this specification' and a three-party participation purchase system of the present invention Other functions related to operation. For example, in the image of each factory shown on the right side of the manufacturer ’s display, a hyperlink (hyper 1 ink) can be used to provide relevant information to the purchaser. Therefore, those disclosed in Figures 3 to 5 are available in On the Internet-A three-party gold flow control system. This system can be used to control the purchase of products and / or services caused by at least one private purchaser.

1224266

V. Description of the Invention (ίο)

Flow of funds paid by at least one payee. Such a system includes an identification and payment limit checker, a payment reviewer, and a controller. The identification verification and payment limit checker allows the purchaser to log in remotely through an open circuit and identify the authentication. It also allows to identify through login: the purchaser of the ancestor requests the at least one payer to purchase the products or services they need. Payment review Is accepts requests for purchases of products and / or services for that purchase through login identification and reviews its purchase requirements. When the logged-in purchaser meets the predetermined conditions, he agrees to the purchase. When the payment reviewer agrees to the purchase request, the payment controller allocates the funds of at least one payer a to the recipient of the sale. The payment controller also aggregates all purchase records after a predetermined time interval, in order to control the flow of funds from the payer to the relevant payee, and to make the actual payment without any doubt about the payment by all payers. The block diagram of Figure 6 shows another two-party participation purchase and payment mechanism constructed in accordance with the infrastructure of Figure 2, which is a network operation suitable for charitable fundraising. Note that, compared with the embodiment of FIG. 3, the payer in this charitable fundraising embodiment becomes a donor who donates money, the manufacturer becomes a charitable organization, and the purchaser Became a distribution of donations

In the embodiment of FIG. 6, the same as in FIG. 3, the donation dispatcher is not correct = take out money. In fact, the flow of money is from donors to recipients', that is, charitable organizations. Donors can be individuals or groups, but also for the purpose of deducting taxes, improving the image of society, or even for-profit enterprise manufacturers simply for giving back to society. In the system of Fig. 6, the donation distributor 6 丨 2 is to participate in this charity

1224266 V. Description of invention (11) The operation of the system in good faith and enthusiastic individuals. Participating donation distributors, in fact, should encourage online citizens to give up possible participation, so people donating distributors 612A, 612B, > 612K. Just as the distributors of the aforementioned paragraph do not make donations, but the individual donors of each of the 4 types of individuals, groups or enterprises in 61 610, 610, 61 (^, ..., 610, donated and owed. RIGHT 有 扣 # 人为The sender wants to make a donation in the field, and he / she * will be one of the members of 61 0. 'Using the system of Figure 6 and its operation method, the funds of the donor 6 丨 〇' are under the opinion of the donation distributor 612 , Was assigned to the recipients of "6 6.2. In this kind of charity shrine fund matching system, the charity of the person can be slightly funded according to the public's will, in order to flatten the charity resources: charity organizations participating in the system The third unit of the present invention is so connected to the donors, φ can be transparently carried out via the Internet = 11, and the sender 2 can make any donations to participate in the activity. The money, so the willingness to participate will be less than = marks. Because the individual actually reports on the participating webpage in real time: in order to strive for the initiative, the recipient asks more individuals to do I and to do well in the operation of the situation, which then enhances the role of the donor's production: the role of the sales distributor And you can understand the charity opportunity = subscription opportunities in real time. With the sense, and can confirm the mother / children, really understand the direction of the donation and the target. Guan Becher donation purpose, guide the donation 4 As for the participating donors, the opportunity to increase exposure, yes, the matchmaking system allows participation The enterprise form 6 1 2 of the participating donors not only includes one, these donations 3 individual charity L donated to the donation L to the system [donate as much as possible for the public to participate in various roles, and do not contribute You can participate as much as you can, and the monthly payment is distributed to the details. :: Use the 1224266 mention of all donations. V. Invention Description (12) liters, thus also increasing the opportunity for enterprises to participate as donors. In order to be fair, interesting and beneficial The purpose of this is that the daily distribution of donations by donors is limited. This allows the recipients to invite the public to participate as much as possible, so the recipients have more exposure opportunities and more care and understanding at the same time.

This system can make use of the graphical environment of the Internet to perform point-and-click drag-and-drop operations in a concise, fun, and even game-like manner. In addition, although this charity donation matchmaking system operates on the Internet, the data flow of related operations does not directly and immediately involve the actual gold flow, so it is extremely safe. Moreover, if the distribution of donations is performed every day, and after a long time interval (such as one month), the actual transfer of funds will be distributed after a statistical inspection, so there is a chance to filter and check for abnormalities. Therefore, the system in Figure 6 clearly has significant advantages for charitable fundraising activities. Taking the system block diagram of FIG. 6 as an example, the donation distributor 6 1 2 K-1,

Based on his personal knowledge of the charity organization 6 6 2 B, enthusiasm and sympathy, he can log in to the system to participate in the activity and submit a donation request procedure to the control system 6 1 4. If the review mechanism 6 1 7B agrees to the donation request in accordance with the predetermined conditions, the appropriation mechanism 6 1 6 B will allocate funds from the donation funds designated by the donor and pay to the beneficiary, 6 2 2 B. Since the system of the present invention can be implemented on the Internet, in order to avoid counterfeit losses, the donation dispatcher 6 1 2 requests the donation through the control system 6 1 4 through the identification and verification and quota check mechanisms. 6 1 5 password identification. Mechanism 6 1 5 also checks whether the donation is acceptable based on the amount of the donation. The donation dispatcher 6 1 2 in FIG. 6 can perform timing of donation distribution actions.

1224266 V. Description of the invention (13) The quota order makes each individual participating according to factors such as interest, enthusiasm, etc., for example, it occurs every day. The review of the control system 6 1 4 can review the records at any time, and regularly summarize the statistics at the end of each month, for example. ^ Notify the donors of each of the individual participating enterprises, groups or individuals 6 1 0 610A, 6] ί 0 B, ..., 61 0M ° In this way, each donor will have the opportunity to understand the overall donation distribution of the donator 6 1 2 to make an efficient, meaningful, and nearly possible donation according to the will of the public. Figure 7 is a flowchart showing the The three parties participate in the operation process of the purchase and payment mechanism. After the procedure starts in step 700, the donation dispatcher 6 1 2 (refer to FIG. 6) logs in to the system in step 7 02. Step 704 determines whether to accept the login based on the relevant information of the donation distributor. The right donation dispatcher's input data is incorrect, or someone tries to break into the system to rob the distribution of charitable donations, and the process proceeds to step 7 2 0 to directly end the operation. If the donation dispatcher has the correct entry information and is accepted by the system, the process can proceed to step 706. Based on the status information of the donation dispatcher, check whether the real-time quota of the donation dispatcher is used. If yes, it means that the donation distributor has no quota available for donation distribution. The process directly proceeds to step 720 to end the operation. If it is determined in step 7 0 6 that the donation distributor still has a distribution quota, the process proceeds to step 70 8 , The donation distributor selects the charitable organization to whom the donor wants to contribute. Then, the donation dispatcher selects the donor who should pay for this donation in step 7 10. As the donors involved in Figure 6 are many enterprises, groups or individuals, the needs of the donors to distribute donations can choose different donors. 0

1224266 V. Description of the invention (14) After step 7 1 0 determines who the donor is, the process proceeds to step 7 1 2 to check whether the donation amount of the selected donor at this time still has a balance. If so, the process proceeds to step 7 1 4 and allows the donor to be formally determined to make a donation to the selected charity. After the donation dispatcher completes this donation assignment in step 7 1 4, the process can proceed to the next step 7 1 6 and ask the donation dispatcher if he wants to perform the next donation assignment operation. On the other hand, if step 7 1 2 finds that the donor's donation amount is insufficient at this time, the process proceeds to step 7 16 to give the donation distributor the opportunity to make the next donation. If the donation dispatcher decides in step 7 16 that the next donation assignment is not to be performed, the process proceeds to step 7 18, displays the appropriate message to the donation dispatcher, and ends the process at step 7 2 0. If the donation dispatcher decides to perform the next donation distribution operation, the system skips back to step 7 6 and restarts the process. Figure 8 shows an example of a web page design that allows a donation dispatcher to use a graphical interface to perform a three-party participation donation operation in a simple manner by clicking and dragging. The webpage example in Figure 8 is similar to the one shown in Figure 5, which is roughly divided into three vertical columns, that is, the donor column 8700 on the left, the charity organization on the right, the recipient column 8900, and two Donor distribution in the entry box 8 8 0. The donor column 8 70 in FIG. 8 has five fields 871, ..., 8 7 5 and displays the information of the donors A to E, respectively. Similarly, the recipient column 890 has four columns 891,…, 8 94, which respectively show the information of charities A to D waiting for donations. Utilizing the familiar page-up and page-down operations in computer use, the information of more than five donors and four charitable organizations can be displayed separately for the operation

1224266 V. Description of the invention (15) The reference of the person (15) who is the relative fund dispatcher in the 4th donation distribution operation. The donation distribution entry box 8 8 0 in Fig. 8 has three rows and three stops 8 § 1 a, 8 8 1 B and 881C, ... and 883A, 883B and 883C. For example, in the flow chart of FIG. 7, the present embodiment of the three-party fundraising operation of the present invention considers the actual situation of the charity organization and the donor of the donation object by the donation distributor in steps 7 08 and 7 10 respectively. Select an action. Assume that the donation distributor wants to ask Donor D to make a donation to a charity. Donor dispatchers can find and click on the image of charity B in the donor charity column 8 9 0 on the right side of the webpage screen 8 50, and then in the donor column 8 7 0 on the left side. Find and click on the image of Donor D. After clicking on the recipient and the donor, the basic information of the two can be displayed in the charity status summary field 8 5 4 and the donor status summary field 8 5 3 at the bottom of the web page respectively. The status data can not only assist the donation dispatcher in making donation allocation-related decisions, so that the donation dispatcher can have a better understanding of the donator. Forgiveness helps the donor's image in the perception of the donation dispatcher. When the donation distributor decides to ask Donor D to donate to charity organization b ~ charity, using the web page design 8 50 of Figure 8, the donation distributor can display a donation target charity organization, that is, the charity organization. The charity organization B in the column 8 9 0 to 8 9 2 can be placed in the donation distribution login column 8 8 0 by using the mouse's click and drag operation. Note that in the webpage of Figure 8, the images of the charitable organizations Η and X appear in columns 8 8 1 A and 8 8 1 B of the donation distribution log 8 8 0 at the same time. This means that the donator has previously made donations to these two charities. At the same time, the upper two fields 8 5 1 and 8 5 2 in the donation distribution entry field 8 8 0 can be separated,

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1224266 V. Description of Invention (16) For example, it shows the current remaining donation amount of Donor D and the accumulated donation of Charity Organization E. As can be understood, in the webpage screen 850 of FIG. 8, with proper webpage design, other functions not described in this specification that are related to the operation of the three parties involved in the charity fundraising system of the present invention can be provided. For example, in the image of each charity organization shown in the right-hand charity organization column 890, a hyperlink (h y p e r 1 i n k) can be used to provide donation distributors with relevant charity operation details. In each donor image shown in the donor column 870 on the left, it is agreed that hyperlinks can also be used to provide donor distributors with detailed information about the donor. In this way, both charitable organizations and businesses can use this system to properly introduce themselves during donation activities. This helps charitable organizations to raise funds, and it also helps donated companies and manufacturers to conduct public welfare advertisements. As such, what is disclosed in Figures 6 to 8 is a gold flow control system that can be performed on the Internet by three parties participating in charitable donations. This system can be used to control the flow of charitable funds from at least one donor to at least one recipient as a result of the distribution of contributions by at least one donor. The system includes an identification certification and donation limit checker, a donation reviewer, and a donation controller. The identification certificate and donation limit checker can accept the donation dispatcher to log in remotely from the Internet and identify it. It also allows the donation distributor authenticated by login to request the at least one donor to donate to at least one recipient. The donation reviewer accepts the donation distribution request of the donation dispatcher who has been authenticated by the login identification, and reviews the donation distribution request. When the login donation distributor meets the predetermined conditions, they agree to the donation

1224266 V. Description of the invention When requested, the charity donation of the beneficiary who donated the donations should be applied to the donation distribution of the event. After the example, the registration records entered the live interference, and the login system required to log in to the public system to change the number of times of donation distribution. (17) The donation controller agreed in the donation reviewer to assign the donation to the donor ’s charity donation Appropriate to the person designated by the donation distributor. After a predetermined time interval, the donation controller will total the allocation requirements to control the flow of funds from the donors to the donated funds, and perform the confirmation after the donors have no doubts about donations. When the three parties participate in the gold flow control system, when the embodiment of FIG. 6 is operated for charitable fundraising, in order for the donors to participate in the system to log in to the system from the Internet, it is necessary to construct a database of the person. This database should contain essential information for those who register online. All participating donation distributors must please, and only after meeting the predetermined conditions can they actually participate in donation distribution. For example, the system can return login information to registrants after a predetermined time after the registrant first registers. Participants who have passed, that is, donation distributors, must log on to the website in accordance with the certification process before they can make donation. In order to avoid mechanized attack log confirmation procedures, it is possible to include random and conscious questions and answers, such as conscious questions and answers after reading short paragraphs of text, and these questions and answers also prevent hackers from participating in automatic programs, which affects or even destroys peace. . It can record the distribution actions of each donation dispatcher, and it is subject to the control of distribution, and the distribution amount is limited according to time, such as daily allowance and amount. The system can be adjusted according to the activities of the participants who participate in the donation, and adjusted according to factors such as participation enthusiasm to encourage participation.

1224266 V. Description of the invention (18) 'The system can periodically summarize the results of donation distribution' and notify the participating donors and recipients separately so that the donors can make grants to the charitable organizations. In addition, the system's webpage can also show the overall distribution of donations in real time, which can increase interest and encourage participation. For another example, in order to increase the interest, the entire donation of each donor can be divided into multiple small equal parts and dispersed over a long period of time, such as a period of several weeks to one or two months, for online participation. Contributors make distributions on a daily basis. The block diagram in FIG. 9 shows the three-party participation mechanism of the present invention applicable to charitable fundraising in FIG. 6 when the system is actually applied on the Internet. The three parts marked by thick dashed lines in the figure, namely the reference numbers 6 1 2, 6 1 0, and 6 1 4 are the three parties involved in the charity fundraising: the payer 6 1 0 of the three-party mechanism. In this example, the donors are 6 1 0 A, 6 1 0 B, ..., 6 1 OM; the purchaser is 6 1 2; in this example, the donors are 6 1 2 A, 6 1 2 B, ..., 61 2K; And control system 614. In Fig. 9, each of the donation distributors 6 1 2 A, 6 1 2 B, ..., 6 1 2 K is limited to individuals. They are logged into the control system 6 1 4 by using their respective Internet links 9 1 2 Provide and control the event website, participate in fun charity activities according to predetermined rules. Of course, if any individual or group intends to use automated software to manipulate the results of the activity, as mentioned earlier, the dialectical inspection procedure performed by the control system 6 1 4 can eliminate its impact, at least to a minimum. On the other hand, the control system 6 1 4 can be set up and executed by any voluntary individual or corporate charity branch. For example, well documented

1224266 V. The charitable organization of invention description (19) can set up a control server (server) or server farm (serverfarm), which is indicated by reference numeral 9 30 in the figure. The implementation includes identification 6 1 5 and payment 6 16 and 6 1 7 and other control mechanisms. In addition, in order to expand participation, donors 610 are not limited to enterprises or groups. They can also allow wealthy or caring individuals to participate and play the role of donors among the three parties. As shown in Figure 9, the three parties involved in charitable donations 6 1 0, 6 1 2 and 6 1 4 are connected via their respective networks 9 1 6, 9 1 2 and 9 1 4 and through the Internet 9 1 0 and Link up for fun charitable activities for donation distribution. As mentioned earlier, after the results of the activity have been settled, the actual appropriation can be made by each enterprise, group or individual of the donors 6 1 0 61, 61 0B, ..., 61 0M, as shown in the figure. Donor 6 10 flows to charity 6 6 2 as shown in 9 2 0. Of course, the system diagram of FIG. 9 is only a schematic diagram, but the characteristics of three-party participation are shown therein. The philanthropy formed by the charitable organizations 6 6 2A, 6 6 2B,…, 6 6 2 N is not listed as a party, because it is passively accepting donations in such interesting charitable donation activities. One party is not directly involved in the entire control mechanism. Although charitable organizations can still list their basic information on the event website and even post a request for donations, the nature of their acceptance of donations is still passive. It should also be pointed out that the present invention is a three-party participation gold flow control system that can be executed on the Internet. When applied to related expenses such as enterprise control staff performing business, the system can be constructed by the enterprise itself. Of course, as it applies to ordinary families to provide expenses for school children

1224266 V. Description of Invention (20) On the way, it can also be carried out by the relevant financial banking institution using its existing network architecture. For applications such as the aforementioned application examples of charitable fundraising, non-profit charitable organizations can construct and host implementation. Although the foregoing explanatory text is a complete description of a specific embodiment of the present invention, various modifications, modified structures, and equivalent applications thereof are still possible. Therefore, the foregoing description should not be relied on to limit the present invention, and its scope should be defined by the text of Section B of the scope of patent application attached later.

1224266 Brief description of the drawings The foregoing objects and other features and advantages of the present invention will be easier to understand after referring to the attached drawings and describing the preferred embodiments with non-limiting properties in detail. Among the drawings: The block diagram of FIG. 1 shows the traditional flow control of gold flow when paying for products or services. The block diagram of FIG. 2 shows the three-party participation funds that can be carried out on the Internet according to the preferred embodiment of the present invention. The basic structure of the flow control mechanism; Figure 3 is a block diagram showing a three-party participation purchase and payment mechanism constructed according to the basic structure of Figure 2;

Figure 4 is a flowchart showing the operation flow of the three parties participating in the purchase and payment mechanism of Figure 3; Figure 5 shows an example of the design of a web page that allows buyers to use a graphical interface to click and drag to make a three-party participation purchase Payment operation; Figure 6 is a block diagram showing another three-party purchase and payment mechanism applicable to charitable fundraising of the present invention; Figure 7 is a flowchart showing the operation process of the three-party charity fundraising mechanism of Figure 6;

Figure 8 shows an example of the design of a web page that allows a donation dispatcher to use a graphical interface to perform a three-party participation distribution operation in a simple way of clicking and dragging; and Fig. 9 shows a three-party participation mechanism suitable for charitable fundraising in Figure 6 of the present invention Actually applied to the system architecture on the Internet. 1224266 Schematic description of the diagrams. Contrast illustration of the numbers: 110, 210, 310 Payers 610 Donors 112, 212, 312 Shell purchasers 612 Donation dispatchers 114, 214, 314 Purchase decision mechanisms 614 Donation control systems 315, 615 Identification and certification Payment quota checking mechanism 216, 316, 616 Payment (disbursement) mechanism 317 Payment review mechanism 617 Donation review mechanism 118, 218, 318 Funding 162, 2 6 2, 362 Business 662 Charity organization 910 Internet 912, 914, 916 Internet link 920 donation flow 930 control temple server #

Claims (1)

1224266 6. The scope of the patent application, including the purchase of the third-party producers who are involved in the purchase of the U-stream or the third-party producers who participate in the financing of the product with the gold of the company. The purchaser of the bank purchases the product on the road, buys it on the road, and buys it on the Internet. It can be used to control the payment due to the payment. It is used to control the purchase of the money. After the connection, the identification and identification of the ID card will be paid in parallel, and the ID card will be used for identification and identification. The first way is to pay for the purchase of the purchaser of the Internet product. Until the person who buys and purchases 7 J business card recognition and or wants to buy and buy the inspection and the required service Π and month, or the device / check and review the product payment to buy one to buy the card Distinguish the acceptance of the acceptance = request and request at the time; § Buy and purchase the purchase should be the same as that of the same device, then check, the payment of the payment at the time of the trial should be determined 'pre-combined control of the purchase of funds Paying for purchase and entry f should, •, the buyer purchases some money which should be sold by the owner Headquarters of the general retailer, after the advance payment is made to the settler who takes the time to pass, the advance payment will be paid and the amount will be reduced to the point that the payment will be paid> 7r. Considering the doubt, the payment to the person with no payment will be paid one by one to as little as Haihai = mouth = mouth under control and control, with fe 丄 2 to identify the purchase and purchase of those who know it. Λ To be related, J Hanxi ^ Control W Certificate Fund ¾ T item 1 ¾ check the inspection scope of the amount of interest payments, please apply and apply for a certificate if the identification 3 to identify the system's control of the flow of money to answer the question The second step is to apply for the opportunity to apply for it. If you want to answer the question, you will have the opportunity to answer the question. After you answer the question, you will have the opportunity to answer the question. The receipt of the payment and the certificate must be identified with the question of controlling the flow of money, donating the kindness and kindness, and participating in the trip to the third party. The Internet can be planted. I 4 i 1224266 VI. Patent scope system for at least one donation includes:-Identifying at least one recipient who has been identified on the Internet by a donation-Donor approver's donation into donation dispatcher-Donation In the case of control, the total number of the at least one designated recipient is at least all the at least one recipient has no doubt about donation. 5. If applying for patent recognition certification and payment dispatcher 6. If applying for patent recognition certification and payment includes requesting the login Knowledge. 7. If applying for patent control of charity funds flow from at least one donor to at least one recipient due to the distribution of donations by at least one donor, the certificate and donation limit checker shall be remotely logged in and accept the donation distributor, and To be identified and authenticated, and to allow the donation dispatcher to request at least one donor to donate to the finder, to accept the request for the donation distribution through login identification verification, and to review the donation distribution request, when the registration meets the predetermined When the conditions are met, the donation distribution is agreed; with the controller, when the donation reviewer agrees that the donation distribution requires a donor ’s charitable donation to be paid to the donation distributor; the donation controller does not do so after a predetermined time interval, Donation distribution to control the flow of charitable donation funds from the at least one donor to the charity and make actual donations at the at least one donor. The gold flow control system described in item 4 of the scope, wherein the identification check of the identification checker includes a donation that requires login and a random conscious question and answer. The gold flow control system described in item 5 of the scope, in which the donation dispatcher of the random conscious question and answer package of the identification checker of the identification checker reads the short paragraph and answers the gold flow control described in item 4 of the intentional range. System where the to € 1224266 VI. One patent applicant with less than one donor and the order 8. At least one 9 such as the application unit. A system self-linker that recognizes one donation, accepts the request, and determines the donation to review the charity donation controller. Control the donation of Gongjin flow, at least one equal share of the patent share donation can be made on the Internet. The donation of this department is distributed to the Internet donors to serve the donation certificate. The same funds shall be paid in advance, and the donors shall control the amount of this amount of money. The designated network of the assignee shall include the sender and the Internet; and the server shall include the server. By identifying the donation points, it is agreed that when the donation is made to the donation, one less donation will be divided into a plurality of equal shares as one of the predetermined conditions. The gold flow control system described in item 7 is distributed over a period of several days. The charities performed by the three parties participating in the above are: including multiple personal donations, multiple donors including an identification certificate, a certified donation on the Internet, and the recipient's money dispatcher identified by the Internet login to the at least one; and And the donation is registered remotely; one of the donations is provided for the donation flow control dispatcher 'to verify the donation request, and when the login is logged in the interval between the donation dispatch requester and the payer, Flow to the: At the same time, the designated total of one donor, one donation, one donation, one donor, at least one non-donor's charitable donor, the donation of the donation, and the at least the beneficiary, and the beneficiaries, shall be controlled. Concerns about the flow of the distribution funds in the following paragraph are checked in, and the sender is requested to the fund reviewer, and the sender of the donation is in accordance with the prefabricator, and the one who is the donor; Caused by 1224266 VI. Scope of patent application 1 0. The gold flow control system described in item 9 of the scope of patent application, wherein the identification authentication and the identification verification of the payment limit checker include a donation dispatcher who requires login to conduct random conscious questions and answers. 11. The gold flow control system as described in item 10 of the scope of the patent application, wherein the identification and authentication and the random verification of the identification of the payment limit checker include a random conscious question and answer including a request for the logged-in donation dispatcher to read the short text and answer There are conscious issues. 1 2. The gold flow control system described in item 9 of the scope of patent application, wherein the charitable donation of the at least one donor is divided into a plurality of equal shares, and the unit equal shares are the predetermined One of the conditions. 1 3. The gold flow control system as described in item 12 of the scope of patent application, wherein the equal shares of the units are assigned over a period of several days for the daily distribution of the at least one donation distributor . 1 4. The gold flow control system according to item 9 of the scope of patent application, wherein at least one of the plurality of donors is a for-profit enterprise. 15. The gold flow control system according to item 9 of the scope of patent application, wherein at least one of the plurality of donors is an individual of a group or a natural person. 1 6. The gold flow control system described in item 9 of the scope of patent application, wherein the network server is a single network server host. 1 7. The gold flow control system described in item 9 of the scope of patent application, wherein the network server is a network server group consisting of multiple network server hosts. 0