TWI233032B - Network money flow method - Google Patents

Abstract

The present invention provides a network money flow method, wherein the system is composed of the consumer site, the shop site, and the bank site; link relationships are established between the consumer site and the bank site, and between the stop site and the bank site, respectively, and they have the same signature/certification modules; the consumer site, the shop site, and the bank site use the Internet for transmitting the transaction information; the transaction documents between the consumer site and the shop site can all be signed, and the signature information is displayed on the web page; thus, all the transaction documents have the signature assurance of the bank site, and the network transactions between the consumers and the shops are more convenient, safer, and protected.

Description

a The system signatures of the fees and transactions are kept secret. These are used repeatedly, so their security is paid by credit cards for easy misappropriation. It will be done once and will not be used by consumers, and the transmission of encrypted keys will also occur. Encryption is complicated. In order to reform the inventor's repeated research on systems and methods, for safety and more protection, please refer to the detailed drawing number 1233032. Sailu% V. Description of the invention (1) The present invention is related to the use of Internet and methods, especially the use of privacy : ,, road structure, transaction information and signed by the bank to protect the ingot 2 transaction information using the Internet to shop and shopping, and the convenience and convenience are increasingly important. — The cold fee is becoming more and more popular, and most consumers ’card numbers have 'S online consumption concerns, which is not safe; and consumers' two =, when the card number is stored in the U account in the credit card number; for banks In other words, if you spend money, it will be a problem of making accounts. Credit card refuses to charge after paying $ / fee, but the consumer has to follow with a slasher to make payment and authentication flow too good. Currently, the present invention is completed after the lack of research on Internet consumption and transactions. The main purpose of the present invention is to provide a kind of online gold to make online consumption and transactions more convenient and effective. Other objects, effects and embodiments of the present invention are described as follows: Brief description of the drawings: FIG. 1 is a block diagram of the network gold flow system of the present invention. FIG. 2 is a block diagram of an embodiment of consumer information according to the present invention. FIG. 3 is a block diagram of an embodiment of payment information according to the present invention. FIG. 4 is a block diagram of an embodiment of confirmation information according to the present invention.

Page 5 Case No. 89111436

1233032 V. Description of the invention (2) Fig. 5 is a block diagram of a receipt embodiment of the present invention. Fig. 6 is a main flow chart of a network gold flow method of the present invention. FIG. 7 is a first sub-flow chart of the method of the present invention. FIG. 8 is a second sub-flow chart of the method of the present invention. FIG. 9 is a third sub-flow chart of the method of the present invention. FIG. 10 is a fourth sub-flow chart of the method of the present invention. FIG. 11 is a fifth sub-flow chart of the method of the present invention. Please refer to FIG. 1, the system of the present invention includes a consumer end and a bank end 3; the three are connected via the Internet 4; the bank end 3 can also be connected to a merchant bank 5; : Device (such as drama viewer), signature / authentication module; the merchant's side 2 includes a web page / authentication module, payment certificate management module, and a refund management module, as shown in Figure 2 Consumption web pages 21 ',,, i = households include business name 211, transaction date 212, shopping product details ^ Valley confirm input button 214, re-enter button 2 15 and last name ^ Λ'; " I "/;2;; 2I 购 ί: As shown in Figure 3, it is a payment web page that records payment information. Line & has recognized the identity, washed the name 221, the ding order number 222, the total consumption gold rhyme transfer date 224, and reminded the consumer Who chooses the bank stop 225 of the payment bank and decides to press? 9 (^ 盛 • 加 y ^ T ^ ^ 疋 Private key 226 special, bank side 3 includes webpage, signature / 5 endurance module, management account of each household -jy. ^ ΛΛ., ^ G management module , Merchant management module, and transaction management module ^. Figure 4 is not a confirmation page 31 for confirming information. Its content includes the name of the bank q 1 1 called 311, the identity of the consumer (ID), type the block 312, and the password. Type in the field 3 1 3. Fish 々 \ aa ^ Physical injury confirmation button 3 1 4. Reset button

Page 6 1233032 V. Description of the invention _ Case No. (3) 89111436 _315, transaction information 316 and signature information 6, etc., where the transaction information 316 records the name of the merchant, the transaction date, the order number and the transaction amount; And the receipt webpage 32 as shown in FIG. 5, which includes the transaction order number 321, the total payment amount 322, the payment date 323, the payment bank name 324, the signature information 6, the link to the merchant or a refund option field 3 25 And confirm button 326 and so on. The signature / Shi Cui recognition module of the present invention includes a private golden wheel. The private golden wheel can be used to convert parent-related information into garbled signature data through mathematical operations, and then convert the signature data into transaction-related information to make the transaction more Security, the signature information can be displayed on the webpage; and the private key is directly stored on the consumer, merchant and bank, consumers can carry it without having to carry it with them, making transactions more convenient. The consumer side, the merchant side and the bank side of the present invention include a computer, and Xiao Fei * and the merchant side also use the same computer of the merchant. The consumer can also use other tools that can connect to the Internet, such as a mobile phone or a personal digital assistant, to conduct online transactions. When consumers, merchants, and banks want to use the system of the present invention, the consumer must first apply to their bank (the bank needs to have the system of the present invention), and ', scoop one. The system of the present invention is dedicated to the bank Collection and payment account, in order to transfer the amount of consumption from its original account to the collection and payment account when it comes to online purchases, saying 'Internet merchants who want to allow consumers to pay using the system of the present invention ^ must sign with the bank Collection contract, so that the bank can transfer the consumer's pre-deposited amount in the collection and payment account to the merchant account, or the designated merchant bank's merchant account. The main difference between the system of the present invention and the general online consumption system is that this system enables consumers, merchants and banks to directly establish relationships and use related information.

jjiL 89111436

Ι ^ 3〇32 V. Description of the invention (4) The same signature / forbidden δ positive model, and important transaction information can be ensured by the signature / authentication procedure. Banks issue receipts and payment vouchers to ensure that transactions are more secure; consumers do n’t need to bring a credit card to use the network to spend all the way, making consumption more convenient. Please refer to the main flow of the network gold flow method of the present invention shown in FIG. 6, including the following steps: 1. Establish the connection relationship between the consumer, the client and the bank; 2. The consumer sends the f consumption information to The merchant end; 3. The merchant end will pay, and add the serial number and signature to the consumer end; 4. After the consumer end confirms the signature payment information, the payment information will be transmitted to the bank end; 5. The bank end confirms After signing the payment information, send the confirmation information with the seal to the consumer; 6. The consumer end wo n’t endorse the confirmation information and enter the consumer identity information and then send it to the bank. 7. The bank confirms the consumption After passing the eligibility and relevant amount, pass the signed payment certificate to the merchant; ^ 8 · The merchant will reply to the bank after confirming the payment voucher; 9 · After receiving the reply from the merchant, the bank will transmit the signed receipt To the consumer side. Please refer to Fig. 7. The sub-process of the present invention is the detailed steps of transmitting the information to the bank after confirming the signed payment information in step 4. If the payment amount or payment date is incorrect, cancel transaction. Please refer to FIG. 8, the second sub-process of the present invention is the payment information of the bank confirming the signature in step 5 and transmitting the confirmation information of the signature to the consumer

Page 8 1233032 Case No. 89111436 V. For the detailed steps of the description of the invention (5), please refer to the detailed steps for confirmation and signing; if it is a blessing, please refer to the confirmation that the detailed amount of the consumer merchant exceeds the maximum transaction And will refer to the process. Consumption Can be stored funds Steps in the operation Refund in place No refund? If a refund can be made, and the benefit seal is transmitted to the consumer and the consumer news is set, or changed to the bank's weight; if the transaction is signed, the confirmation bank shown in Figure 9 is signed by the consumer. Figure 1 0 shows qualifications and its detailed steps; high quota, cancellation information Figure 1 1 shows the selection of the recipient received silver materials include: eliminate the barrier, will not be refunded, is the refund correct? If the positive end and the merchant's consumer end can be set to new consumer secrets, this will not be verified, and the redemption also includes t times that the business party has not signed a contract with the bank and will send a negative message to the consumer end. The third pair of the present invention # #, & ^ J / Jaw, when the consumer message in step 6 is entered and the details are transmitted to the bank or the information is confirmed to be incorrect, the transaction is cancelled; the identity block is entered Identity information and password. The fourth sub-process of the present invention is the step 7 of the bank end, after which the signed payment voucher is transmitted to the consumer if the customer is not a contractor with the bank, or the consumption or deposit is insufficient to pay the consumption amount, the transmission is cancelled To the consumer. ‘The fifth sub-process of the present invention is the receipt of the signature sent by the bank at the end of the refund operation, which can be archived, and the receipt of the original transaction is used for the refund operation. The refund fee end uses the cursor to select the original receipt on the web page to select the refund information to be transmitted to the merchant; the merchant confirms that the information that cannot be refunded is passed to the consumer, and the information is passed to the bank; Incorrect, the bank will send an error message to the merchant. 'The bank will cancel the transaction and will cancel the asset. Transmitting information about the amount of consumption and the number of times of consumption, such as the code ^ signed by the authentication / authentication module, to reduce and prevent consumer passwords from being stolen

1233032-1 No. 89n 丨 4 plus _ year month day 倏 I _ V. Explanation of the invention (6) According to the above description, when consumers use the present invention to make purchases, they use bank account numbers to make transactions and pay by agreed transfer methods, which can reduce the risk of account number theft and make transactions more secure; and consumers can pay after consumption and obtain The payment receipt of the bank makes the transaction more secure; and consumers can spend online without the need for electronic signing, electronic wallets and credit cards, and the online payment policy is completed at one time. more convenient. When merchants use the present invention to make transactions with consumers, they can obtain payment vouchers from banks to make transactions more secure, and transactions without credit cards can reduce transaction fees. When banks use the present invention to provide consumer and merchant transaction services, simplifying the payment process and providing value-added services can enhance competitiveness, and because the consumer's account is deducted in advance, the occurrence of bad debts can be prevented. The above records are only examples using the technical content of the present invention. Anyone who knows the modifications and changes made by the artist using the present invention belongs to the scope of patents claimed by the scholars, and is not limited to the examples of the present invention. Revealer. As mentioned above, the present invention provides a network gold flow system and method. The use of network consumption and transactions is more convenient, safe and secure. It is a major breakthrough in the use of network transactions and has been incorporated into an invention patent. It is imperative that the invention patents be granted to benefit the society. τ

1233032 Case No. 89111436 Modification Brief description of the diagram Brief description of the diagram: Figure 1 is a block diagram of the network gold flow system of the present invention. Figure 2 is a block diagram of an embodiment of the consumer information of the present invention. FIG. 3 is a block diagram of an embodiment of payment information according to the present invention. FIG. 4 is a block diagram of an embodiment of cancer identification information according to the present invention. FIG. 5 is a block diagram of an embodiment of a receipt according to the present invention. FIG. 6 is a main flowchart of the network gold flow method of the present invention. FIG. 7 is a first sub-flow chart of the method of the present invention. FIG. 8 is a second sub-flow chart of the method of the present invention. FIG. 9 is a third sub-flow chart of the method of the present invention. FIG. 10 is a fourth sub-flow chart of the method of the present invention. FIG. 11 is a fifth sub-flow chart of the method of the present invention. Main part representative symbols: 2 Merchant side 2 11 Merchant name 2 1 3 Shopping product list 2 1 5 Re-enter button 2 2 Payment web page 2 2 2 Order number 224 Transfer date 2 2 6 OK button 31 Confirm web page 3 1 2 Identity Enter the stop 3 1 4 Identity confirmation button 3 1 6 Transaction information 1 Consumer 2 2 Consumption webpage 2 1 2 Transaction date 2 1 4 Disc input button 2 1 6 Checkout payment button 2 2 1 Payment system name 2 2 3 Consumption Total amount 2 2 5 Bank field 3 Bank side 3 1 1 Bank name 3 1 3 Password input stop 3 1 5 Reset button

Page 11 1233032 Case No. 89111436 Λ: _A. Brief description of the revised diagram 3 2 Receipt webpage 3 2 2 Total payment amount 3 2 4 Payment bank name 3 2 6 Confirmation button 5 Merchant bank 3 2 1 Transaction order number 3 2 3 Payment date 3 2 5 Choice of stop 4 Internet 6 Signature information

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Claims (1)

1233032 Case No. 89111436 Amendment VI. Patent Application Scope 1. A method of network gold flow, including the following steps: (1) Establish the connection between the consumer, merchant and bank; (2) Consumer and merchant The client sends consumer information; (3) The consumer or merchant sends the consumer information to the bank, or cancels the transaction, including the following steps: a) After the consumer confirms the signed payment information, it transmits the payment information to the bank ; B) after the bank confirms the signature payment information, send the signature confirmation information to the consumer; c) the consumer side confirms the signature confirmation information, enter the consumer identity information and send it to the bank. (4) After the bank confirms the merchant's qualification and signature, and confirms the consumer's qualification and consumption amount, the signed payment voucher and receipt are sent to the merchant and consumer, respectively, or the transaction cancellation message is sent to the consumer; After the step (4), after the consumer receives the receipt from the bank, the refund operation includes the following steps: The consumer sends the refund information to the merchant; and the merchant confirms whether the refund can be made? If the refund cannot be made, the information that cannot be refunded will be transmitted to the consumer. If the refund can be made, the refund information will be transmitted to the bank. The bank confirms that the refund information and signature are correct? If it is incorrect, the bank will send the error message to the merchant and consumer; if it is correct, the bank will cancel the transaction and send the cancellation information to the consumer and merchant. 2. A method of network gold flow, including the following steps: (1) the bank establishes a connection relationship with the consumer and the merchant; Page 13 1233032 Case No. 89111436 _ year month day __ VI. Patent application scope (2) The bank receives consumer information transmitted by the consumer or merchant, including the following steps: a) The bank receives the consumer end bee signature Payment information; b) after the bank confirms the signed payment information, it will send the signed confirmation to the consumer; (3) after the bank confirms the merchant's qualification and signature, and after confirming the consumer's qualification and consumption amount , The signed payment voucher and receipt are sent to the merchant and consumer, respectively, or the transaction cancellation message is sent to the consumer; after the bank confirms the consumer qualification and the relevant amount of consumption, the signed payment voucher is passed to the merchant ; The bank receives the payment voucher confirmed by the merchant; the bank sends the signed receipt to the consumer. 3. —A method of network gold flow, including the following steps: (1) the bank establishes a connection relationship with the consumer and the merchant; (2) the bank receives the consumption information sent by the consumer or the merchant, It includes the following steps: a) the bank receives the payment information of the consumer's confirmation and signature; b) after the bank's confirmation of the payment information of the signature, transmits the signature confirmation to the consumer; (3) the bank confirms the merchant's qualifications After signing and signing, and confirming the consumer's qualifications and consumption amount, the signed payment voucher and receipt will be sent to the merchant and consumer, respectively, or the transaction cancellation message will be sent to the consumer; after this step (3), The refund operation includes the following steps: The bank receives the refund information sent by the merchant; Page 14 1233032 Case No. 89111436_Year Month Amendment_ VI. Scope of Patent Application Is the bank confirming that the refund information and signature are correct? If it is incorrect, the bank will send the error message to the merchant and consumer; if it is correct, the bank will cancel the transaction and send the cancellation information to the consumer and merchant. Page 15