1251159 九、發明說明： 【發明所屬之技術領域】 本發明係相關於一種使用互動式多功能終端裝置之 銷售點系統的方法，尤其相關於一種使用銷售點系統進 行線上付款的方法，其係使用可與例如是在便利商店、 超級市場或賣場中之現行收銀機制相互聯通作動的互動 式多功能終端裝置。 【先前技術】 為便利使用者得隨時隨地查詢或運用不同生活資 訊’互動式多媒體公共資訊機（kiosk)係已被設置於許多 公共場所處。互動式多媒體公共資訊機主要係運用觸控 式螢幕介面以接收使用者的指令，並透過區域網路(LAN) 或廣域網路(WAN)連線以連結資料庫或網站，並進而取 得使用者所需之相關資訊；使用者或可經由互動式多媒 體公共資訊機内建之電腦設備、數據電信設備、影音設 備，而取得具有聲光效果之特定服務。 常見的互動式多媒體公共資訊機係包括有例如是設 置在台北捷運各車站之「捷運生活站（KIOSK)」、設置在 各大展覽場入口處之多媒體導覽機、或者是設置在機場 或車站供乘客查詢班次及交通狀況的資訊查詢機。所謂 「互動式」即為其可與使用者進行互動；換言之，此等 多媒體資訊機係可依據使用者之瀏覽與搜尋指令而提供 相關資訊。以「捷運生活站（KIOSK)」為例，其係可提供 I:\Patent\Hi-Life\2004TW\Official\01 發明申請書.doc 6 1251159 捷運搭乘旅客有關生活資訊查詢、商圈店家資訊查詢、 折價券與電子地圖列印、影音多媒體廣告觀賞、以及占 星和异命等服務。使用者除可經由此種互動式多媒體公 共貧汛機以取得免費資訊之外，亦可插入金融卡或信用 卡，並透過互動式多媒體公共資訊機與銀行的連線，而 進仃金融轉帳繳費、手機鈴聲付費下載等交易。就此方 >面而論，「捷運生活站（KI〇SK)」除未能供使用者直接提 領現金之外，在轉帳及付費交易之相關操作和功能係大 致上與自動櫃員機(ATM)相同。 · 第圖係顯示出一個傳統互動式多媒體公共資訊機 1 〇，其主要係包括有一處理裝置1 1、一儲存裝置工 2、一數據電信裝置1 3、-觸控式螢幕χ 4、揚聲器 15、-歹，j印裝置16、以及一讀卡機17。第二圖2 顯不出傳統互動式多媒體公共資訊機10之操作環境。 互動式夕媒體公共資訊機2 q係透過有線網路而與諸個 ^料庫、銀行、財金資訊公司、信用卡中心、電子商店 等相互連接。當使用者欲利用互動式多媒體資訊機10 # :進行資料搜尋之時，其係藉由觸控式螢幕！4而輸入 ^覽或搜尋指令，處理裝置1 1係接受此-指令並藉由 ，據4裝置13以連接至相關資料庫，或者直接從儲 所需資訊。當使用者欲利用互動式多· 某體貝輯10以進行金融轉帳之時，其僅需將金融卡. ::至讀卡機17之中’處理裝置11將會經由專線而 連接至發切行或財金資訊公司，以進行金融轉帳處 I:VPatentmLlfe\2004TW\〇__ 發明申請書.doc 7 1251159 理。當使用者透過電子商店網站進行交易之時，其係可 選擇將金融卡或信用卡插入至讀卡機之中，並透過與銀 行或信用卡中心之連線以進行付費交易。 在習知技藝中所現存的互動式多媒體公共資訊機若 非單純供資料查詢之用，就是僅合併有自動櫃員機之轉 帳及信用卡交易功能，並未有能與便利商店、超級市場 或賣場中之現行收銀機制相互聯通作動者。 本案發明人深切體驗到習知技藝中所存在之諸多不 便及缺點，故將民國九十二年十月六日所申請的專利申 請案第092127690號，做近一步的改良，使這種新式的 互動式多功能終端裝置，其係可置放在如便利商店或超 級市場之賣場中，並結合該等處所之現存收銀機制，以 便利使用者進行線上購物、票券訂購或其他類似消費行 為時，能夠安全順利地以信用卡付款，提供消費者更多 更好的服務。 【發明内容】 據此，本發明之目的係在於提供一種使用銷售點系 統進行線上付款的方法，其可為使用者提供簡便且安全 的線上付款交易模式。 根據一較佳實施例，本發明之銷售點系統係可用以 進行線上付款之操作。首先，使用者利用該使用者終端 裝置輸入一欲選擇之商品後，該使用者終端裝置會連接 至該線上付款的服務網頁，使用者利用該使用者終端裝 I:\Patent\Hi-Life\2004TW\Official\01 發明申請書.doc 8 1251159 置在該線上付款的服務網頁下輸入一交易相關資訊，， 接著，使用者利用該使用者終端裝置選取一線上付款的 服務網頁，然後，該列印裝置以輸出一個包含有該交易 相關資訊之憑證，下一步，使用者利用該使用者終端裝 置連接至一收單中心進行一安全交易，若該安全交易成 功，則該列印裝置以輸出一個交易付款憑證，最後，使 用者持包含有該交易相關資訊之憑證及該交易付款憑證 領取一交易商品。 【實施方式】 當網路交易已是趨勢，持卡人對消費安全、便利性 的需求越來越高，同時對於其資料在傳送過程中的保密 性也很重視，因此本發明提出一套完整的線上交易流 程，能夠滿足消費者對於以上的特性需求，強化消費者 網路購物的信心，並整合信用卡國際組織之線上安全機 制，就能夠解決這一方面的問題，且還能透過此一交易 機制，提供銀行的信用卡做更多的會員優惠行銷活動增 加銷售與來客。 第二圖係顯示出根據本發明之銷售點系統20之一 較佳實施例的概要視圖。銷售點系統20係包括有一個使 用者終端裝置22、一個前台主機24、一個憑證列印裝置 26A、以及一個收據/票證列印裝置26B。該使用者終 端裝置22以及該前台主機24係分別具有網路連接裝置 (在圖示中並未顯示出來）而彼此以有線及/或無線網 9 Ι:\Ραίεηί\Ηί-Ι^6\2004Τ\ν\0£ί1(^1\01 發明申請書.doc 1251159 路相連，並且係可經由有線及/或無線網路而與例如是 諸们内奋服務商32直接相互連接或是透過一個中繼的資 料傳輸介面(IDC)34後再與内容服務商32主機連結。、 本么明銷售點系統20之使用者終端裝置22係可以 包括有—個互動式多功能終端裝置22八，其係可以為傳― 互動式多媒體公共資訊機，或者僅包含有一個處理 裝置二-個$幕輸出裝置、以及_個輸人裝置。根據本 發明:較佳實施例，互動式多功能終端裝置22八之螢幕 輸出衣置以及輸出裝置係被整合為_個單一的觸控式螢鲁 幕。 本务明銷售點系統20之前台主機24係可以包括有 -個收銀裴置24A，而收銀裝置24A係可以包含有一個 處理裝置、—個螢幕輸出裝置、以及-個輸人裝置。根 據本發明一較佳實施例，收銀裝置24A係為由〇mr〇nTM a司所衣4販售之收銀機，然應當可為熟習此項技藝之 人士所了解的是，具有處理裝置、輪出及輸人裝置之任 何類型收銀機均可為吾人所使用。 此外，本發明之銷售點系統2 〇係可更進一步地包括 有-個資料儲存裝置28，用以儲存銷售點系統之任何日 常運作紀錄或是進行交易之相關資料。再者，本發明之 銷售點系統20亦可更進一步地包括有一/ 30，其係可用以對銷售點系統之互動 糸、、先柽制衣置 反助式多功能終端梦罟 以以及收銀裝置24A進行控制，並對銷 ^1置 體/韋刃體以及資訊進行更新及維護。 〜H充之权 I:\Patent\Hi-Life\2004TW\Official\01 發明申請書.doc 10 1251159 以下將藉由本發明之較佳實施例來詳細說明本發明 系統之操作流程。然應當注意的是，在此所揭示者僅作 為說明本發明示例之用，而不應被認為是作為本發明之 限制。 根據本發明之一較佳實施例，本發明於第二圖中所 揭示之銷售點系統20係可被使用以進行線上交易，如： 線上購物、線上訂票或是進行線上虛擬點數加值等服 務，當然也可以進行商店内實體購物時例如信用卡、現 金卡、金融卡或是晶片卡等進行付款的服務。 第三A圖係顯示出根據本發明之銷售點系統20在進 行此一操作時之流程說明。首先，消費者至銷售點系統 20選取’’信用卡付費”系統的畫面（步驟301，此時系統 會直接連結至内容服務廠商獨立專屬IDC 32或者至萊爾 富資料重傳輸介面中所有的一個代理廠商專屬IDC 34， 並將所選之服務、商品、付款別…相關資訊傳回銷售點 系統 20，如 Life-ET。 接著銷售點系統20會根據上述資料印出一張「交易 單據」（步驟303 )。 下一步，銷售點系統20將頁面導引至收單中心的 web sever (步驟305 )，此時系統將頁面導引至收單中心 的web sever之「線上安全交易」頁面，並同時將此次交 易之父易序號記錄在log槽。 然後’消費者在頁面上輸入付款的相關貧料’此時 收單中心之web sever導引消費者完成「線上安全交易」 I:\Patent\Hi-Life\2004TW\Official\01 發明申請書.doc 11 1251159 機制（如：Verified by Visa、MasterCard Security Code) 〇 在一個實施例中，系統連接至聯合信用卡處理中心 (NCCC)進行VISA 3D認證的動作，持卡人需先完成簡單 的註冊手續，核對身份後取得個人密碼，在註冊後，凡 在有參與Visa驗證服務之網路特約商店中購物，電腦系 統便主動要求輸入該持卡人密碼，如核對密碼無誤後， 發卡銀行才會授權，進行線上交易，過程僅需幾分鐘。 除此之外，持卡人資料於傳輸過程中亦將受到嚴密的保 護，以維護其傳輸的完整性。如此一來，可有效遏止信 用卡在網路被盜刷的風險，對持卡人、特約商店及發卡 銀行來說，都是皆大歡喜的多赢結果。其他的收單中心， 也可以是會員管理的清算，帳務或是管機機構。 此一核對身份的步驟係可為使用者經由互動式多功 能終端裝置22 A而輸入可供身分識別之資料，如身分證 字號及出生年月日、信用卡卡號等，或可由使用者將可 供身分識別之卡片（如金融卡、信用卡等磁卡/丨c卡 或I C卡身分證等）插入至互動式多功能終端裝置22a 的讀卡裝置（在圖示中並未顯示出來）中，或可由互動 式多功能終端裝置22 A經由特定辨識裴置以辨識例如是 指紋之個人特欲，並從而藉由供作身分確認之機構（如 銀行、政府或私人憑證或簽章管理中心、或者是個人特 徵確認中心）來進行使用者個人身分之確認。 若是通過認證，此時收置φ、、 才叹皁甲〜之web sever向銷售點 糸統20確認已完成付教，计0】 丁不人亚石己錄在bg檔，再由憑證列 12 1251159 印裝置26A印出「繳款成功憑證」（步驟307)。完成此 筆交易後，系統會回到最初的網頁。 若是認證失敗，此時畫面出現：①再交易或是②結 束交易兩種選項（步驟309)。若選擇「再交易」，流程會 再回到步驟305認證一次：當認證失敗，則又回到步驟 309 ;當認證成功，則繼續下一步驟步驟307。若選擇「結 束交易」或TIME OUT則也會回到最初的網頁。 接著，如圖三B所示，消費者拿「交易單據」及「繳 款成功憑證」至櫃臺取貨或是取票（步驟311)。最後門 市人員刷取「交易單據」之條碼（步驟313)，及選取「ET 信用卡付款」並刷取「繳款成功憑證」之條碼（步驟315)， 並向銷售點系統20，如：Life-ET確認此筆交易，並列印 出相關單據（如：票、收據、發票）最後連同商品交付 給消費者（步驟317)，即完成了本發明所述之線上信用 卡支付的方法。 依據本發明之此一較佳實施例，消費者僅需在交易 時花幾分鐘的時間即完成整個交易流程，其資料在傳送 過程中便將受到完整的保密，預計將可減低百分之五十 網路交易的糾紛，強化消費者網路購物的信心。同時特 約商店也能保證領到貨款，又可減少網路付款爭議的個 案、增加營收能力。對持卡人、特約商店及發卡銀行來 說，都是皆大歡喜的多赢結果。 雖然本發明係已參照數個較佳實施例來進行揭示及 描述，然而熟習此項技藝之人士所將能夠了解到的是， I:\Patent\Hi-Life\2004TW\Official\01 發明申請書.doc 13 1251159 細節上之不同改變係可以在不背離本發明於隨 附申睛專利範圍所界定範相情況下完成。 【圖示簡單說明】 本么明之堵多較佳實施例現在冑參照伴隨圖示予以 詳細描述，其中之圖示係為： 弟-圖係顯示出一個習知互動式多媒體資訊機之結 構的概要視圖； 第二圖係以概要圖顯示出根據本發明之銷售點系 統； ^第二圖係顯示出藉由根據本發明之銷售點系統以進 行線上付款操作之流程。 【圖示主要元件符號說明】 10 互動式多媒體公共資訊機 11 處理裝置 1 2 儲存裝置 13 數據電信裝置 14 觸控式螢幕 15 揚聲器 16 列印裝置 17 讀卡機 2 0 銷售點系統 2 2 使用者終端裝置 I:\Patent\Hi-Life\2004TW\Offkiai\o j 發明申請蚩 d〇c 14 1251159 2 2 A 互動式多功能終端裝置 2 4 前台主機 2 4 A 收銀裝置 2 6 A 憑證列印裝置 2 6 B 收據票證列印裝置 2 8 資料儲存裝置 3 0 系統控制裝置 3 2 内容服務商 3 4 資料傳輸介面 I:\Patent\Hi-Life\2004TW\Official\01 發明申請書.doc1251159 IX. Description of the Invention: [Technical Field] The present invention relates to a method of using a point-of-sale system of an interactive multi-function terminal device, and more particularly to a method for online payment using a point of sale system, which is used An interactive multi-function terminal device that can be interlinked with an existing cash register mechanism, such as in a convenience store, a supermarket, or a store. [Prior Art] In order to facilitate users to inquire or use different life information anytime and anywhere, the interactive multimedia public information machine (kiosk) has been installed in many public places. The interactive multimedia public information machine mainly uses the touch screen interface to receive user's instructions and connect to the database or website through a local area network (LAN) or wide area network (WAN) connection, and then obtain the user's website. Relevant information required; users can obtain specific services with sound and light effects through computer equipment, data telecommunication equipment and audio-visual equipment built into the interactive multimedia public information machine. Common interactive multimedia public information systems include, for example, the "Kiosk Station" (KIOSK) set at the stations of Taipei MRT, multimedia guides set at the entrance of major exhibition venues, or at the airport. Or an information inquiry machine for passengers to check the number of flights and traffic conditions. The so-called "interactive" means that it can interact with users; in other words, these multimedia information devices can provide relevant information according to the user's browsing and search instructions. Take "KIOSK" as an example, it can provide I:\Patent\Hi-Life\2004TW\Official\01 invention application. doc 6 1251159 MRT passengers information about life information, business district stores Information enquiries, discount coupons and electronic map printing, audio and video multimedia advertising, and astrology and life. In addition to free information, users can insert financial cards or credit cards and connect to banks through interactive multimedia public information machines to make financial transfer payments. Phone ringtones, paid downloads and other transactions. In this respect, in addition to the fact that the “MRT Life Station (KI〇SK)” is not available for users to directly withdraw cash, the related operations and functions of the transfer and payment transactions are generally related to ATMs (ATM). )the same. · The figure shows a traditional interactive multimedia public information machine 1 , which mainly includes a processing device 1 1 , a storage device 2 , a data telecommunication device 13 , a touch screen 4 , a speaker 15 -, 歹, j printing device 16, and a card reader 17. The second figure 2 shows the operating environment of the traditional interactive multimedia public information machine 10. The interactive eve media public information machine 2 q is connected to various materials, banks, financial information companies, credit card centers, electronic stores, etc. through a wired network. When the user wants to use the interactive multimedia information machine 10 # : for data search, it is through the touch screen! 4, while inputting a search or search command, the processing device 1 1 accepts the - command and, by means of the device 13, connects to the relevant database, or directly stores the required information. When the user wants to use the interactive multi-body series 10 for financial transfer, it only needs to put the financial card. :: into the card reader 17 'the processing device 11 will be connected to the haircut through the special line Bank or financial information company to carry out the financial transfer office I: VPatentmLlfe\2004TW\〇__ invention application. doc 7 1251159. When a user makes a transaction through the e-shop website, they can choose to insert a financial card or credit card into the card reader and connect to the bank or credit card center for payment transactions. The existing interactive multimedia public information machine in the prior art is not only for data inquiry, but also incorporates the automatic transfer and credit card transaction functions of the ATM. It is not available in the convenience store, supermarket or store. The cash register mechanism is connected to each other. The inventor of this case deeply experienced the inconveniences and shortcomings in the traditional skills. Therefore, the patent application No. 092127690 applied for on October 6th, the Republic of China, was further improved to make this new type. An interactive multi-function terminal device that can be placed in a store such as a convenience store or a supermarket, combined with the existing cash register mechanism of the premises to facilitate online shopping, ticket ordering or other similar consumer behavior It can safely and smoothly pay by credit card, providing consumers with more and better services. SUMMARY OF THE INVENTION Accordingly, it is an object of the present invention to provide a method of online payment using a point of sale system that provides a simple and secure online payment transaction mode for a user. According to a preferred embodiment, the point of sale system of the present invention is operable to perform online payment operations. First, after the user inputs a product to be selected by using the user terminal device, the user terminal device is connected to the service page of the online payment, and the user uses the user terminal to install I:\Patent\Hi-Life\ 2004 TW\Official\01 Invention Application.doc 8 1251159 Enter a transaction related information under the online payment service page, and then the user uses the user terminal device to select an online payment service page, and then, the column The printing device outputs a voucher containing the transaction related information. Next, the user connects to an acquiring center to perform a secure transaction by using the user terminal device. If the security transaction is successful, the printing device outputs a Transaction payment voucher, finally, the user receives a transaction commodity with the voucher containing the transaction related information and the transaction payment voucher. [Embodiment] When the network transaction is a trend, the cardholder's demand for consumer safety and convenience is getting higher and higher, and the confidentiality of the data in the transmission process is also attached. Therefore, the present invention proposes a complete set. The online transaction process can meet the above-mentioned characteristics of consumers, strengthen the confidence of consumers in online shopping, and integrate the online security mechanism of credit card international organizations to solve this problem, and also through this transaction. The mechanism to provide bank credit cards to do more member discount marketing activities to increase sales and visitors. The second figure shows a schematic view of one preferred embodiment of a point of sale system 20 in accordance with the present invention. The point of sale system 20 includes a user terminal device 22, a foreground host 24, a voucher printing device 26A, and a receipt/ticket printing device 26B. The user terminal device 22 and the foreground host device 24 respectively have network connection devices (not shown in the drawing) and are wired and/or wireless to each other 9:\Ραίεηί\Ηί-Ι^6\2004Τ \ν\0£ί1(^1\01 invention application.doc 1251159 is connected, and can be directly connected to each other via a wired and/or wireless network, for example, to the internal service provider 32 or through a medium The subsequent data transmission interface (IDC) 34 is then connected to the content service provider 32. The user terminal device 22 of the point of sale system 20 can include an interactive multi-function terminal device 22, which is It can be an interactive multimedia public information machine, or only one processing device, two screen output devices, and one input device. According to the present invention: the preferred embodiment, the interactive multifunctional terminal device 22 The screen output device and the output device are integrated into a single touch-type Lulu screen. The front-end main unit 24 of the point-of-sale system 20 can include a cash register 24A, and the cash register 24A Can contain a handle According to a preferred embodiment of the present invention, the cash register device 24A is a cash register sold by 〇mr〇nTM a clothing 4, but should be familiar It is understood by those skilled in the art that any type of cash register having a processing device, a wheeling device, and an input device can be used by us. Furthermore, the point of sale system 2 of the present invention can further include - The data storage device 28 is configured to store any daily operation record of the point of sale system or related information for conducting the transaction. Further, the point of sale system 20 of the present invention may further include a / 30, which may be used to The interaction point system of the point-of-sale system, the pre-emptive clothing and anti-help multi-function terminal nightmare and the cash register device 24A control, and update and maintain the pin ^1 body / Wei blade body and information. Right I:\Patent\Hi-Life\2004TW\Official\01 Invention Application.doc 10 1251159 The operation flow of the system of the present invention will be described in detail below by way of a preferred embodiment of the present invention. This place The present invention is intended to be illustrative only and is not to be considered as limiting of the invention. In accordance with a preferred embodiment of the present invention, the point of sale system 20 disclosed in the second figure of the present invention can be Use for online transactions, such as: online shopping, online booking or online virtual credits, etc., of course, you can also pay for physical shopping in the store such as credit card, cash card, financial card or wafer card. The third A diagram shows the flow of the operation of the point of sale system 20 according to the present invention when performing this operation. First, the consumer to point of sale system 20 selects the screen of the ''credit card payment' system (step 301, At this point, the system will directly link to the exclusive IDC 32 of the content service vendor or to the exclusive IDC 34 of the agent in the Lairfu data retransmission interface, and send the selected services, products, payment, etc. to the sales. Point system 20, such as Life-ET. The point of sale system 20 then prints a "transaction document" based on the above information (step 303). Next, the point of sale system 20 directs the page to the web sever of the acquiring center (step 305), at which point the system directs the page to the "online secure transaction" page of the web sever of the acquiring center, and at the same time The parent of the transaction is recorded in the log slot. Then the 'consumer enters the relevant poor payment on the page'. At this time, the web sever of the acquiring center guides the consumer to complete the "online security transaction" I:\Patent\Hi-Life\2004TW\Official\01 invention application. Doc 11 1251159 Mechanism (eg: Verified by Visa, MasterCard Security Code) 一个 In one embodiment, the system is connected to the Joint Credit Card Processing Center (NCCC) for VISA 3D authentication, and the cardholder must complete a simple registration procedure. After checking the identity, the personal password is obtained. After registration, if the computer stores in the network special store that participates in the Verified Service of Visa, the computer system will ask for the password of the cardholder. If the password is correct, the card issuing bank will authorize. The online transaction takes only a few minutes. In addition, cardholder data will be tightly protected during transmission to maintain the integrity of its transmission. In this way, the risk of the credit card being stolen on the Internet can be effectively curbed, and the cardholders, special stores and card-issuing banks are all happy and win-win results. Other collection centers can also be clearing, accounting or management of member management. The step of verifying the identity is that the user can input the information for identifying the identity through the interactive multifunctional terminal device 22A, such as the identity card number and the date of birth, the credit card number, etc., or can be available by the user. The card for identification of identity (such as a financial card, a credit card or the like, a card or an IC card ID card) is inserted into the card reading device of the interactive multi-function terminal device 22a (not shown in the drawing), or may be The interactive multi-function terminal device 22A is identified by a specific identification device to identify a personal desire, such as a fingerprint, and thereby by means of an institution for identity verification (such as a bank, government or private voucher or signature management center, or an individual) The feature confirmation center) confirms the user's personal identity. If it passes the certification, at this time, the φ, sigh the soap 〜 之 web sever to the point of sale 糸 20 20 confirmed that the completion of the payment, count 0] Ding Buren Ya Shi has been recorded in the bg file, and then by the voucher column 12 1251159 The printing device 26A prints the "Payment Success Certificate" (step 307). After completing this transaction, the system will return to the original web page. If the authentication fails, the screen appears: 1 re-transaction or 2 end transaction (step 309). If "Re-transaction" is selected, the process will return to step 305 for authentication once: when the authentication fails, then return to step 309; when the authentication is successful, proceed to the next step, step 307. If you select "End Transaction" or TIME OUT, you will also return to the original web page. Next, as shown in Fig. 3B, the consumer takes the "transaction slip" and the "payment success certificate" to the counter to pick up the goods or pick up the ticket (step 311). Finally, the store personnel picks up the barcode of the "transaction slip" (step 313), and selects "ET credit card payment" and brushes the barcode of "payment success certificate" (step 315), and goes to the point of sale system 20, such as: Life- The ET confirms the transaction and prints the relevant documents (e.g., tickets, receipts, invoices) and finally delivers the goods to the consumer (step 317), i.e., the method of online credit card payment as described herein. According to this preferred embodiment of the present invention, the consumer only needs to spend a few minutes at the time of the transaction to complete the entire transaction process, and the data will be completely confidential during the transmission process, which is expected to be reduced by 5%. Ten online trading disputes strengthen consumer confidence in online shopping. At the same time, special stores can guarantee the payment of goods, and reduce the number of online payment disputes and increase revenue. For cardholders, special stores and card-issuing banks, it is a win-win result. Although the present invention has been disclosed and described with reference to a number of preferred embodiments, those skilled in the art will be able to understand that I:\Patent\Hi-Life\2004TW\Official\01 invention application .doc 13 1251159 Different changes in detail may be made without departing from the scope of the invention as defined by the scope of the appended claims. [Brief Description] The preferred embodiment of the present invention will now be described in detail with reference to the accompanying drawings, which are illustrated as follows: The brother-picture shows a summary of the structure of a conventional interactive multimedia information machine. The second diagram shows a point of sale system in accordance with the present invention in a schematic view; ^The second diagram shows the flow of an online payment operation by the point of sale system in accordance with the present invention. [Description of main component symbols] 10 Interactive multimedia public information machine 11 Processing device 1 2 Storage device 13 Data telecommunication device 14 Touch screen 15 Speaker 16 Printing device 17 Card reader 2 0 Point of sale system 2 2 User Terminal device I:\Patent\Hi-Life\2004TW\Offkiai\oj Invention application 蚩d〇c 14 1251159 2 2 A Interactive multi-function terminal device 2 4 Front-end host 2 4 A Cash register 2 6 A Voucher printing device 2 6 B Receipt ticket printing device 2 8 Data storage device 3 0 System control device 3 2 Content service provider 3 4 Data transmission interface I: \Patent\Hi-Life\2004TW\Official\01 Invention application.doc