TWI377514B - - Google Patents

Description

1377514

IX. Description of the invention: [Technical field to which the invention pertains] The present invention relates to an order credit information method and system thereof, and a transfer receipt method and system thereof, and more particularly to an order credit information method for online shopping for electronic commerce And its system, and the transfer method and its system. [Prior Art] "In various e-commerce applications, online shopping is a popular service for consumers... For online shoppers, moving physical stores to virtual shopping malls on the Internet can significantly reduce store costs. And the labor cost 'to provide a faster, more varied and low-priced product category 0 transaction Η payment methods are mostly used to pay cash, such as entering a credit card card mobile phone transfer on the shopping site Payment, etc., so how to provide a buying transaction environment is very important. The fee-payer = the operator of the line of goods, the 'transaction record is good,' and the record of the poorly-recorded consumer will avoid the loss. The practice is: when using a credit card spear card holder to use (4) card for consumption (| whether to use online shopping consumption), the bank will record the cardholder profit situation, if the cardholder uses the credit card transaction is abnormal, the bank

The abnormal record controls the cardholder and informs the cardholder to trade (4) home. Therefore, the order for the online shopping operation can only be notified by the bank; 4: The use/consumption abnormality is only passively controlled by the 1377514 battalion. However, it is only possible to use the bank to conduct abnormal transactions; it is not possible for the operator to effectively make appropriate transactions and shipment judgments on the personal situation of the consumers of the online speakers, and it is difficult to ensure that the operators can receive them smoothly. The purchase price of the order. In addition, the current online shopping itch payment method is also allowed, and the fee collector chooses to use the ATM (Am〇mated Teller Maehine, atm) to transfer the payment, this service is most convenient for consumers without credit card. Payment method -. However, for the operator, if the number of orders is small, the operator can also check whether the consumer remits the correct amount based on the remittance number provided by the consumer; otherwise, if the number of orders is reported, and each consumer will When the payment for the order is transferred to a certain __ bank account, it will be difficult for the operator to check whether the consumer has used the ATM to transfer the payment and whether the amount of the remittance from the consumer is correct. As mentioned above, retailers who operate online shopping still have a lot to be improved in terms of collections, in order to improve the efficiency of collection and avoid unnecessary business risks. Therefore, it is necessary to find a solution. SUMMARY OF THE INVENTION Therefore, the primary object of the present invention is that the purpose of the system is to provide an order credit information system, and the present invention is circulated as a ☆ dry test system for applying for checking the plural generated by an e-commerce transaction. Orders, each 哕 „ 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 „ ..., the stone early nursery unit includes a plurality of preset blacklists. Credit information database unit 匕 匕 复 复 预设 预设 预设 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 Unit and levy ''flat 兀, if the order hair meets it - blacklist i 琢 直 一 一 征 征 征 成功 成功 则 则 则 则 则 则 则 则 则 则 则 因 因 因 因 因 因 因 因 因 因 因 因 因 因 因 因 因 因 因 因That is, in the case of providing an order creditor, the order crediting method of the present invention is applicable to checking a plurality of orders generated by an e-commerce transaction, and includes the following steps: First, receiving an order including: a number data block. Then, if there is a 'blacklist' of the blacklist of the blacklist database unit, the content of the data field of the order does not match one of the blacklists, then the comparison is made. The content of the data block of the order is the one of the successful list of the credit information of the person's credit information unit. Then: If the order is fixed, the content of the data block is in accordance with the information-successful name Further, a credit card requisition operation is performed because the order is valid. Further, another object of the present invention is to provide a transfer receipt system. Thus, the transfer receipt system of the present invention is applicable to a plurality of consumers. At least - after the goods, the payment for the goods is paid by the transfer method, and includes: a shopping website, a bank service unit and a management server unit. The shopping website is used for the consumer to purchase the goods and select an ATM transfer. After the payment method, an order is generated correspondingly. The bank server unit has an automatic teller machine, and has a J account corresponding to the shopping website and can establish a virtual account of the plurality of automatic 7 teller machines. The management word service unit generates a corresponding order according to a preset basis. For the consumer to transfer the cover through one of the automatic implanters* 1 early goods transfer to the ATM account, the bank (four) single it establishes - corresponding, the automatic account money virtual account transfer information. After downloading the transfer information, the service unit compares the amount of the transfer information and the purchase price of the order. If yes, the data is - The logged-in status is set and the order is set to - the payment success status. In addition, the fourth object of the present invention is to provide a method for transfer payment. The method for transferring funds according to the present invention is applicable to plural consumers to buy at least After the goods, the payment for the goods is paid by the transfer method, and the following steps are included. Firstly, after the goods are purchased and the automatic teller machine transfer payment method is selected, the order is generated correspondingly. Then, according to - The default rule is generated - the virtual account of the automatic cabinet M machine corresponding to the bill, and is used by the consumer to transfer the payment of the order through one of the plurality of automatic teller machines to the virtual account of the automatic teller machine to establish a corresponding automatic teller machine virtual The account transfer information. Then, download the transfer information, and compare the amount of the transfer information and the purchase price of the order. If yes, set the transfer information to - logged in status and set the order to _ the payment success status. The utility model has the advantages of improving the credit function of the order and establishing an efficient transfer payment method to provide an online shopping operator with low business risk and an efficient collection method to effectively solve the common problems and defects of the current e-commerce. [Embodiment] 1377514

The above and other technical features of the present invention will be apparent from the following detailed description of the preferred embodiments of the accompanying drawings. Before the present invention is described in detail, it is to be noted that in the following description, similar elements are denoted by the same reference numerals. Referring to Figure 1 'the preferred embodiment of the order crediting system 1 of the present invention, it is adapted to check for multiple orders generated by an e-commerce transaction. In the preferred embodiment, the subscription is made by a shopping website 2 after the consumer orders a plurality of items.

As a result, each order includes multiple data fields as shown in Table 1, for example: member number (the name of the serial number assigned to each consumer by the shopping website < (name of the consumer), ID number, authorization code ( The authorized number of the credit card, the phone number, the address (usually the address of the goods received), and the email address.

Member Number Name AAAAAAAG67890

Email address

-^JDEF@ABc.COM

The order credit information system 1 is also connected to the bank feeding unit 3, the bank ^...internet or regional network connection ^. The jujube servant unit 3 is a computer server in the Jianxin% communication center, placed in a bank Related to the use of credit cards for credit card transactions

1377514. For the preferred embodiment, after the credit information, there is no (4) credit card number provided by the order credit information system 1, and the consumer can be used from 1 and served with the bank's service unit 31 _7° 3 The authorized bank that obtains the credit card cancels the prepaid service of the credit card. [The card payment operation, that is, the letter of the line is handed over to the method, and the use of the cutting operation is not the focus of the present invention, so the λ order sign will not be described again. The letter system 1 includes a··—, a name early database unit 11, a credit information unit 12, and a management servo unit 13. The blacklist database unit u is implemented in the database of the database system, and the database system can use the SQL Server of the Microsoft operating system as the material library or the Unix/Limix operating system.

Server database, etc. The blacklist database unit u includes a plurality of preset blacklists, and each blacklist includes a plurality of data fields as shown in Table 2. For example, the serial number (number in the database)' member number (the shopping website is assigned to each A consumer's serial number), name (consumer's name), ID number, phone number, address, email address, and reason. 10 1377514

Table 2 No. 1 Member No. ABCDERG12345 Name Wang Xiaoming ID No. A123456789 Telephone 02-23456789 Address: ABC@ABC.COM, No. 1 Zhongzheng Road, Taipei City Reason for canceling the above blacklist from controversial orders in the past period of time The "cause" block in the blacklist is the reason why the record is blacklisted early. ^J屌 In the first preferred embodiment, the "cause" is selected from one of six parameters. s, TI, these parameters are all purchased online, and the internal audit of the 1st camper / - Early establishment based on self-collected information. These parameters include: .-, South cancel: on behalf of the consumer has occurred multiple cancellation orders record one, and returns: on behalf of the consumer has occurred multiple times three, debited stolen brush: on behalf of holding # credit card' but the bank has Deduction procedure; Return record; Consumers deny consumption IV. Undeducted stolen brush: Representing the cancellation of the credit card, and the bank has not yet executed the deduction procedure; 5. Denying the delivery of the county The problem is confirmed by the consumer wearing the credit card; and the fee consumer denies consumption and cannot be held to 1377514

VI. Accounts ♦ Negotiation. Problems on behalf of the transaction process Consumers of the card acknowledge consumption. And the credit information database unit 12 is the same as the blacklist database unit u, and is also a database file built in the above database system, and includes a list of successful credits. The list of successful credits represents the success of successful transactions in past transactions and records, and the private data in Table 3 does not include multiple data blocks, such as: credit number, belonging (payment method), and collection. Single number, inspection, status and status change period.

State change period

The main purpose of the establishment of the credit information database unit 12 is to compare the non-blacklisted order with the credit information success list of the credit information database unit 12 to confirm that the order was once credited and has no problem. However, in the preferred embodiment, the order cannot be directly compared with the successful credit list, and must be compared through the plurality of receipts shown in Table 4 and the shopping list shown in Table 5 in the above-mentioned collection. Both the payment slip and the shopping list are the corresponding successful credit collection lists. 12 13//M4 13//M4 Table 5 Receipt Number --------- 12910605 Shopping Order No. 13560652 ------ Shopping No. Member No. Name 13560652 AAAAAAAG67890

A123456789 02-87654321 DEF@ABC.COM, No. 1 Zhongzheng Road, Kaohsiung City, it must be noted that the receipt and the shopping list are stored in the form of a database file, which is stored in the Credit Information Unit. The other two ancestors, pull, ^, - recorded, can also be stored in another computer server's exclusive data address

The thick beta, the management servo unit 13 is a management program for operating the computer cage, and is connected to the blacklist database unit u and the levy (four) treasury unit 料, material, 'also cuts the network connection shopping website 2 and the bank Health unit 3, receiving „ singly and credit card payment operations. After the management ship unit U receives its t_ order from website 2, it compares the blacklist data Z letter library unit 12 in sequence, and the material order does not meet the requirements. - Blacklist and Compliance - The "Success List" is connected to the bank for credit card requisition because the order is valid. In particular, the order may not pass 13 1377514. The blacklist database unit 11 and the credit database unit U orders may need to be compared according to a manual credit comparison rule. At this time, see the one-person township industry. The invalidation of these orders will be explained in detail later. The artificial sign is referred to Figure 1, 2, and Inventing the order credit method The multiple orders generated by the business transaction are applied to the upper nuclear electronic system 1. The order credit information method includes the following steps: · 6 □ early levy letter first, as shown in step 41, manage the servant receive One of the orders. From the shopping website 2 then 'as shown in step 42, to manage the content of the data block of the feeding unit, the Bodhisattva A compares the early Rigo... No to the blacklist database unit U - The content of the block is the same as that of the ~: the early method is as long as the order of the order is judged to be the same as the content of the blacklist. The order 13 is based on the table 'port...name early' as shown in step 43. The management feeding unit said that the manual crediting operation is required as shown in Table 7. The “Comparative Rules” determine whether the order requires 14 1377514 blacklist in the “Cause ' ^~~2~——_一_” field. Content comparison results in accordance with the high position cancel the member number, identity with the number, telephone, electronic ^, address processing method cancel the order high return membership number, telephone, email mailbox, work, business cancellation, order has been debited Undeducted stolen name

Member ID, ID number, telephone, email _ mailbox denial trader _ credit operation. Gong Zheng letter operation cancel order name, address account dispute all fields _ 征 征 作业 作业 作业 人工 举例 举例If the order shown in Table i is compared with the blacklist shown in Table 2, the content of the "ID number" field of the order matches the content of the blacklisted injury certificate number field, and the match is met. If the "cause" block of the blacklisted order is "high cancel", then the SERVOPACK 管理3 is managed. According to the manual credit comparison rule shown in Table 7, and as shown in step 44, the order is directly canceled. After the manual credit comparison rule is followed by the manual credit search operation, as shown in step 45, the management servo unit 13 automatically notifies the administrator assigned by the system operator to perform manual check. 15 Returning to step 42, if the content of the order of the order does not match the content of the field corresponding to the basin, as shown in step 46, the ship unit is managed, and the comparison order is in accordance with the credit information unit. The credit information success a 1 is through 2, 3, as mentioned above, the order is not directly compared to the credit collection success list of the corresponding credit collection success list and shopping list. Referring to the figure, the sub-steps of the order comparison success list are as follows: f first 'As shown in sub-step 461, the management servo unit 13 calls up a predetermined period, a work list, from the credit unit 12, assuming 100 pens. All the credits in the year are successful. _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ . Then, as shown in sub-step 463, the management word service unit 13 uses the collection: the second object!: number to block the inquiry, and all the shopping list numbers corresponding to the "shopping order number" column are inquired, for a total of 1 pen. . "Of, as shown in sub-f, 464, 'Manage the feeding order single vs. order address' field, whether it meets the above 100 stomach "U-bit, compare to the ground" 〖100-shopping early "address" block The reason for the order= is because the practice believes that although the consumer can actually receive certain factors to fill in the incorrect personal information, the "address J column: information is usually correct. If the order is step 47 One of the "address" blocks of the item list is as valid as the bank's vocabulary order f, and the management ship unit 13 performs the payment operation through the card. If the order is "address" 16 丄 377514

If the block does not meet the "address" block of the shopping order, then the servo number 13 of step a is determined according to an exemption rule, and whether the order needs to be manually credited. Based on avoiding the operator's possible operational losses, the above-mentioned rule for exemption is as follows: 1. If the amount of the order is greater than or equal to - the first predetermined amount (as measured:): the order does not comply with the exemption rule, such as step 45 As shown, management

(4) Unit 13 notifies the administrator assigned by the system operator to conduct manual credit search by e-mail, etc.; dry fangs still Zhao: sub-number = month) purchase by this ID number ^ credit card: equal to H fixed amount ( If all the shopping orders 2 of 1G_yuan do have a shopping list that meets the above, the order does not meet the rules. As shown in step 45, the management servo list A is notified by electricity 3: The management personnel assigned by the operator shall perform the manual operation.

If the order meets the rule of exemption, the order is valid as shown in step 47. (4) The service unit 13 performs the operation through the silver (four) service unit and the sixth card. The upper edge Dingzao County method and its system, 'reducing the operator may encounter the payment of the payment, the method of blowing the bundle of the bundle." The following transfer method and its system are to increase the payment of the goods. Efficiency and courtesy. Among them, the transfer of the transfer system is applicable to the purchase of goods by the transfer method.

paragraph. The transfer receipt system includes and a management server unit 4. Shopping website 2, a bank server unit Shopping website 2 is owned by the operator - providing online shopping services. The shopping website 2 is used to present the product information of the Shangjiang Shangyukou. Each type of fish Zhaozhao mother (10) Gongxun clearly uses the price, characteristics, and other relevant information of the text, so that

The product can directly touch the game, and can fully understand the business. When - the consumer is on the shopping website 2 is about to finish = buy the goods, the ride site 2 for consumption (four) choose a variety of parties: A ancient payment company " paragraphs and one of them is - automatic teller machine transfer to pay for labor, . After the consumer decides to pay by ATM, the structure website 2 generates an order correspondingly.

In the preferred embodiment, the bank vocabulary unit 3 is a server that is installed in the bank and manages a plurality of deposit accounts, and is connected to a plurality of ATMs 31, wherein the 'automated teller machine 31 includes entities installed in banks, convenience stores, and Physical ATMs at road junctions, and Internet ATMs through the Internet, information devices (such as computers) and financial card readers. The bank ship unit 3 has a dedicated account corresponding to the shopping website 2 and which can establish a virtual account of the plurality of automatic teller machines. For example, the online account and the exclusive account number of the guest are set to 1275_χχχχ_χχχχ·χχχχ. The code X is any number. The “_” symbol is used to facilitate reading and is not part of the account. As long as the first four codes of the ATM account are 1275, such as 1275-3710-2700-0412 ’, the deposit amount in this ATM virtual account is the exclusive account of the operator. Consumers in shopping 18 1377514

After that, the money in the account can be transferred to the ATM account of the operator's exclusive account through the automatic teller machine 31, and the above method for transferring funds by using the automatic teller machine is the current technology, and is not the focus of the present invention, so More details. After the customer purchases on the shopping website 2, the management service unit generates a virtual account number of the corresponding ATM according to a preset rule code, for the four fees to transfer the payment of the order from the account to the self-service teller machine. Bank servo single q & 6 automatic cabinet machine virtual account to make silver

The line servo unit 3 is set up - the pair of white red. The account should be transferred to the virtual account of the automatic cabinet. The above-mentioned preset rules and one of the expressions thereof: the content of the virtual account of the automatic cabinet machine, for example, the content

The exclusive account code of the body has a 4 yards to indicate that the operator's order only includes the - part of the merchant's order for the order to be processed (order, the value is 4, which means that the order belongs together to buy if the consumer IS road ==). The "Payment Period" is 5 yards. The period can be set to 2: 2°. On October 25, 7 years, the payment period is not limited to ^ is the bribe year 1 month 27 (but ' ) and the payment period is 71027. "Order 19 1377514 No." has 5 yards, corresponding to the end of the order generated by the consumer when the order is $2 after the "check code" has 1 yard 'check (four) is the bill of lading number and the order amount is calculated according to a calculation rule , the value is 〇 to 9 ^ management servant unit 13 every other _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ ...... Whether the amount of Beko's correctly corresponds to the setting of the transfer information is - the registered status, and set ... to - the payment success status. If the transfer corresponds to the purchase price of the order, 刖戽神 a only... the ancient correct material and its = I unit 13 can transfer the problematic _ /, 'heart, early positive ^ ^ for the report, such as a trial balance , the manager assigned by the operator to check. Tian y' In addition, in order to avoid the problem of management 仞 _ occurred in Tong Zheng # service early 13 and the bank servo unit 3 network disconnection, etc., the guide unit 13 every "total proofreading ''not-to-" management of the servo The feeding unit u is established;:= one 曰, in the total proofreading time, the proof of the bank word service unit °3: quantity and f section 'comparison with the total transfer account (four) automatic teller virtual account corresponding to the Bayco The number 1 and the amount are the same.

Refer to Circle 4, 5, Shi U Shopping Website 2 Purchaser 4 Clear Transfer Receipt Method, applicable to consumers and includes the following steps: Pay the goods by using the transfer method' • First, as in step 51, buy the goods and In the case of one of the consumer purchases, for example, after the .=rr type, the order is generated correspondingly. The single window σ of the yuan and the purchase value of the year 1 () month are 2 quotient. . The order generated by the shopping website 2 is 20 1377514 RMMPOOfm, and the price of the light list is 2 yuan. After the second 'step help 52' to manage the servo unit (four) according to the default rules as shown in Table 4 to generate the corresponding order of the automatic #员机咖- just W Shafei will be the purchase price of the order == = account transfer to silver The virtual account of the ATM of the service unit 3 is used to set up the transfer information corresponding to the virtual account of the automatic teller machine.

Next, as shown in step 53, the pipe (four) service unit U: between the fiveths, for example, five minutes, is carried out by the bank, and the transfer information is checked. If the tube = why take it early! 3 If the transfer fee has not been received before December 27th, the transfer account will not be transferred within the time limit (within 2), and the representative will use the virtual account of the ATM. If the account is activated, as shown in step 54, the transfer will automatically cancel the order. And the ATM account number of the ATM = unit 13 If the management server unit u is received by the bank server unit 3 = (4) Step 55 shows whether the management of the feeding unit 13 matches the payment of the order. After the comparison, if the transfer, the amount of the I4 amount of the purchase price, that is, the amount of the consumer remittance and the order name are the same, then the comparison fails, as shown in step 56, the rationale does not record the above abnormality. The status of the order, & On the other hand, if the transfer information second person enters the c, a . τ single · the payment 'the table is not successful than the success' as shown in step 57, the management table data is logged in, and set the order to set the transfer amount: == 二ΓΓ? Account collection method, tube _ service order versus time, total calibrated time management unit 13 21 1377514 m to establish the number of orders and payment, whether the comparison with the total proofreading time silver The amount and amount of the transfer information corresponding to the virtual account of the ATM in the service unit 3 are the same to avoid the problem of data non-synchronization caused by the disconnection of the network. In summary, the present invention can have the following advantages, and can effectively solve the problems of online shopping operators in collecting money: - Using the order credit information method and system to establish an effective and accurate order-passing mechanism Rejecting malicious and bad-selling consumers to buy goods can reduce account disputes, malicious bad debts and unnecessary logistics costs. The two 'transfer collection method and its system--providing consumers to not easily out-wrong and unique ATM account virtual account, on the other hand to provide online shopping - the operator's convenient and efficient account management function, indeed achieve automatic comparison The function of billing and transfer information. • The above-mentioned order credit information system 1 and the management servo unit 13 of the transfer receipt system can be integrated into the single-computer health device as a complete solution to solve the problem of the operator's collection. The above is only the preferred embodiment of the present invention, and the scope of the present invention is not limited thereto, that is, the simple equivalent of the patent and the invention description in the present invention. Variations and modifications are still within the scope of the invention. BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a block diagram showing a preferred embodiment of the order crediting system of the present invention; FIG. 2 is a flow chart showing a preferred embodiment of the order crediting method of the present invention 22 1377514; FIG. 3 is a flow chart illustrating a method for comparing an order to a plurality of credits success list in the preferred embodiment. Figure 4 is a block diagram showing a preferred embodiment of the money collection method of the present invention; and Figure 5 is a flow chart showing a preferred embodiment of the money collection method of the present invention.

23 1377514 [Description of main component symbols] 1...... ••...order credit system 3 ·· ........bank servo unit 11 .··· ••...blacklist database 31 · ... .....Automatic Teller Unit 41~48····Step 12 •...Recruitment Library Unit 461~464 Sub-Step 13·......Manage Servo Units 51~57···· Step 2... ...·Shopping website

twenty four

Claims (1)

In June of the 101st, the scope of patents: species. Ding single credit system, suitable for checking the multiple orders generated by e-commerce transactions' each order includes a plurality of data fields, the order credit system comprises: a blacklist database unit, including a plurality of preset blacklists; The credit information database unit includes a plurality of preset credit success lists: and a management server unit, which connects the blacklist database unit and the treasury unit, and sequentially receives the __ orders, and sequentially compares them The black name early database unit and the credit information database unit, if the order does not meet one of the blacklists and meets one of the credit success lists, a credit card payment operation is performed because the order is valid. 2. According to the order credit information system described in the third paragraph of the patent scope, wherein the second processing servo unit has a manual credit comparison rule, if the content of the data block of the order conforms to the blacklist database unit One of the black lists is based on the manual credit comparison rule to determine whether the order needs to be performed - manual credit search. 3. According to the order credit information system described in claim 2, wherein if the order requires the manual crediting operation, the order is transmitted to a manual crediting module to perform the manual crediting operation, if the order is If the manual L job is not required, the order is cancelled and the credit card payment operation is aborted. 4. According to the order credit information system described in the third paragraph of the patent scope, wherein the management servo unit is provided with an exemption rule, if the content of the order data field does not meet the credit information unit unit A successful letter of credit for the list of June, June, 2001, according to the rule of exemption, determines whether the order requires a manual crediting operation. According to the order credit information system described in item 4 of the patent application scope, if the order complies with the exemption letter comparison rule, the credit card payment operation is performed because the order is valid 'if the order does not meet the exemption letter ratio For the rule', the order to the manual credit card group is communicated to perform the manual crediting operation. An order crediting method is suitable for checking a plurality of orders generated by an e-commerce transaction, and includes the following steps: (a) receiving one of the orders including the plurality of data fields; (b) blocking the data than the order Content, whether it meets one of the plural blacklists of a blacklisted poor repository unit; (C) If the content of the data block of the Sail-pointing list does not meet one of the tired lists, then the management of the feeding unit is compared Whether the content of the data field of the order meets one of the multiple credit success lists of the credit information database unit; and (d) if the content of the data block of the order meets the successful list of the credit information, ' δ; Γ is for effective – credit card payment. According to the order crediting method described in claim 6 of the patent application scope, a step (4) is further included in the step (8) and the step, if one of the blacklist database units of the order data block 4 For the blacklist, the m-contracting unit relies on the manual credit comparison rule to determine whether the order requires a manual crediting operation. According to the method of order credit mentioned in the scope of patent application No. 7, which is in 1377514, June 2010*. The (e) step includes the following sub-steps: • (6_ 1) If the order requires the manual crediting operation And transmitting the order to a manual crediting module to perform the manual crediting operation. * # (e_2) If the order does not require the manual crediting operation, cancel the order and suspend the credit card payment. 9. According to the order crediting method described in item 6 of the patent application scope, a step (1) is further included between the step and the step (d), if the content of the data block of the order does not comply with the information database unit One of the credit success lists is determined by the management servo unit according to an exemption rule comparison rule. Ding Shanyu does not need to carry out a manual crediting operation. 10. In accordance with the method of order credit as described in item 9 of the patent scope, the following sub-steps are included in the step (f): (f 1) if the βτ single meets the rule of exemption rule, The order • The credit card payment is made for the purpose of the credit card. • (f 2) If the right order does not comply with the exemption rule, the order is sent to a manual credit module for the manual crediting operation. 27