TWI377514B - - Google Patents
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- TWI377514B TWI377514B TW97105320A TW97105320A TWI377514B TW I377514 B TWI377514 B TW I377514B TW 97105320 A TW97105320 A TW 97105320A TW 97105320 A TW97105320 A TW 97105320A TW I377514 B TWI377514 B TW I377514B
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13775141377514
九、發明說明: 【發明所屬之技術領域】 本發明是有關於-種訂單徵信方法與其系統,及轉帳 收狀方法與其系統,特別是指一種用於電子商務之線上購 物的訂單徵信方法與其系統,及轉帳收款方法與其系統。 【先前技術】 “在各種電子商務的應用中,線上購物是相當受到消費 者歡迎的服務之…對於線上購物的經營者而言,將實體 商場轉移至網路上的虛擬商場,可以大幅減少店面成本及 人力成本’用以提供更快速、多變化且低價格的商品種類 0 交易Η 的付款方式大多採用非當以付現金的 乂易拉式,例如於購物網站中輸入信用卡卡 動樞員機轉帳付款等,因此如何提供買 交易環境十分重要。 万便的 費者=線Γ物的經營者而言’交易紀錄良好的消 的’而紀錄不良的消費者的訂單則必 以避免損失。現行的做法是:當使用信用卡的 矛費持卡人)使用㈣卡進行消費時(|論是否 利用線上購物消費),銀行會紀錄持卡人利 情況,若持卡人利用信用卡交易有異常時,銀行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
迷異常之紀錄管制該持卡人,並通知和持卡人交易㈣家 。因此,對線上購物的經營 ° J 的訂單,只能在銀行方面通知刷;4:用/消費異常 吊%,才被動地由經 1377514 營者對該訂單加以管制。然而,只利用銀行進行異常交易 的過;慮,無法讓經營者有效地對線上講物的消費者的個人 情況做出適當的交易及出貨判斷,也難以保證經營者是否 可順利地收到訂單的貨款。 另外,現打的線上購物付痒欠方式中也允許消,費者選擇 使用自動櫃員機(Am〇mated Teller Maehine,atm )轉帳付 ,,此項服務對於沒有信用卡的消費者而言是最方便的付 款方式之-。然而,對於經營者來說,若訂單的數量不多 ’業者還可以依據消費者提供的匯款編號核對消費者是否 匯入正確的金額;反之’若訂單的數量报多,且每一消費 者將訂單的貨款通通轉至某__銀行的某__以帳戶,則經 營者將難以有效率地核對消費者是否已利用自動櫃員機轉 帳付款,及消費者匯款的金額是否正確。 如上所述,經營線上購物的零售業者在收款方面仍有 許多待改進之處,以期能增進收款的效率並避免不必要的 經營風險,因此,有必要尋求解決之道。 【發明内容】 因此,本發明之首要曰认 _ , 統 I要目的,即在提供一種訂單徵信系 於是,本發明訂單徵作☆ 干试乂系統’適用於查核電子商務交 易所產生的複數訂單,各哕 „ 合这訂早包括複數資料攔位,該訂 早徵信系統包含:一里名i次 _ …名早貝料庫單元、一徵信資料庫單 元及一管理伺服單元。里 „ …、石早育料庫單元包括複數預設的 黑名單。徵信資料庫單元 〆 、 匕括複數預設/的徵信成功名單 6 1377514 伺服單凡連接黑名單資料庫單元及徵信資料庫單元, 中一訂單後’一依序比對黑名單”庫單元及徵 ’’平兀,若訂單毛符合其中—黑名單i琢合直中一 徵信成功名單’則因訂單為有效而進行一信用卡請款作業 〇 法 另外’本發明之另—目#,即在提供—種訂單徵信方 於是,本發明訂單徵信方法,適用於查核電子商務交 易所產生的複數訂單,並包含下列步驟:首先,接收其中 -包括:數資料攔位之訂單。接著,比對該訂單之資料欄 备’疋否符合—黑名單資料庫單元之複數黑名單之 '、 者…後,若該訂單之資料欄位之内容不符合其中 一黑名單’則比對該訂單之資料攔位的内容,是人一 徵信資料庫單元之複數徵信成功名單之其中_者。接:, 若該訂。單之資料攔位之内容符合其中—徵信成功名單,則 因該訂單為有效而進行一信用卡請款作業。 再者,本發明之再一目的,即在提供一種轉帳收款系 統0 於是,本發明轉帳收款系統,適用於複數消費者靖買 至少-商品後’利用轉帳方式繳付該商品之貨款,並包含 :一購物網站、一銀行祠服單元及-管理伺服單元。購物 網站用以供其中-消費者購買商品且選擇一自動櫃員機轉 帳付款方式後,對應地產生一訂單。銀行伺服單元 數自動櫃員機,並具有一對應購物網站且可建立複數自動 7 櫃員機虛擬帳號的J屬帳戶。管理词服單元依據一預設賴 則產生對應訂單之以供消費者透 過其中一自動植員機將訂罩之皆* 1早之貨政轉帳至自動櫃員機虛擬 帳號,歧銀行㈣單it建立—對應,自動櫃錢虚擬帳號 的轉帳資料。管理词服單元下載轉帳資料後,比對轉帳資 料的金額及訂單的貨款是否正確,若是,狀㈣帳資料 為-已登錄狀態’並設定訂單為—請款成功狀態。 另外,本發明之第四目的,即在提供一種轉帳收款方 法。 於疋本發明轉帳收款方法,適用於複數消費者講買 至少一商品後’利用轉帳方式缴付該商品之貨款,並包含 下列步驟.首先’於其中_消f者購w該商品且選擇—自 動櫃員機轉帳付款方式後,對應地產生—訂單。接著,依 據-預設規則產生-對應計單之自動櫃M機虛擬帳號',用又 以供消費者將訂單之貨款透過複數自動櫃員機之其中一者 轉帳至自動櫃員機虛擬帳號,以建立一對應自動櫃員機虛 擬帳號的轉帳資料。然後,下載轉帳資料,並比對轉帳資 料之金額及訂單之貨款是否正確。若是,則設定轉帳資料 為-已登錄狀態’並設定訂單為_請款成功狀態。 本發明的功效在於提昇對訂單的徵信功能並建立有效 率的轉帳收款方式’以提供線上購物的經營者低經營風險 及高效率的收款方法’有效解決現行電子商務常見的問題 與缺失》 【實施方式】 1377514The 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
有關本發明之前述及其他技術内容'特點與功效,在 以下配合參考圖式之二個較佳實施例的詳細說明中,將可 清楚的呈現。 在本發明被詳細描述之前,要注意的是,在以下的說 明内容中’類似的元件是以相同的編號來表示。 參閱圖1 ’本發明訂單徵信系統1之較佳實施例,適用 於查核電子商務交易所產生的複數訂單。在本較佳實施例 中,訂早是由一購物網站2於消費者訂購複數商品之後所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.
產生的,每一訂單如表1所示包括複數資料欄位,例如: 會員編號(購物網站分配給每一消費者的流水編號名稱 <(消費者的姓名)、身份證字號、授權碼(信用卡所對應的 授權號碼)、電話、地址(通常指收取商品的地址)及電子 郵件信箱等。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.
會員編號 名稱 AAAAAAAG67890Member Number Name AAAAAAAG67890
電子郵件信箱Email address
-^JDEF@ABc.COM-^JDEF@ABc.COM
訂單徵信系統1也J 接—銀行飼服單元3,銀行^…網際網路或區域網路連 ^ . 銀仃伺服單元3是-建晋% 訊中心内的電腦伺服器, 置於一銀行資 用以進行信用卡交易的士 卜乂约的相關作苹 9The 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 。對本較佳實施例而言, 徵信過後無任何㈣計1單經由訂單徵信系統1 提供的信用卡卡號,從1即可利用消費者所 碼,並與銀行甸服單元31服_7° 3取得信用卡的授權 銀行替消f者預付商 [用卡請款作業,也就是 行的信时交^法,# 上隸用切款作業為現 並非本發明的重點,因此不再贅述 λ 訂單徵信系統1包含··— …、名早資料庫單元11、一徵 信資料庫單元12及-管理伺服單元13。 黑名單資料庫單元u在本較佳實施财為—建置於一 資料庫系統的資料庫檔案,資料庫系統可採用微軟作業系 統的SQL Server為料庫或是Unix/Limix作業系統的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資料庫等。在黑名單資料庫單元u中包括複數預設 的黑名單,每一黑名單如表2所示包括複數資料欄位,例 如.序號(資料庫中的編號)' 會員編號(購物網站分配給 每一消費者的流水編號)、名稱(消費者的姓名)、身份證 字號、電話、地址、電子郵件信箱及原因等。 10 1377514Server 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
表2 序號 1 會員編號 ABCDERG12345 名稱 王小明 身份證字號 A123456789 電話 02-23456789 地址 台北市中正路1號 電子郵件信箱 ABC@ABC.COM 原因 高取消 上述之黑名單儀由過去一段時間中具爭議性的訂單所 ^集及轉換而來,而黑名單中的「原因」攔位,即紀錄訂 早列入黑名單的原因。^ J屌囚在本第一較佳實施例中,「原因」 位係由六種參數中選擇其中一 ^ . s 、T I該等參數皆由線上購物 、,1營者所屬之内部稽杳i / —早位依據自行收集的資料所建立。 該等參數包括: .-、南取消:代表消費者曾經發生多筆取消訂單紀錄 一、而退貨:代表消費者曾經發生多筆 三、已扣款盜刷:代表持#信用卡的 ’但銀行已進行扣款程序; 退貨紀錄; 消費者否認消費 四、 未扣款盜刷:代表持有信用卡的消 ,且銀行尚未進行扣款程序; 五、 否認交县·冲主丄n 代表父易過程出現問題 穿信用卡的消費者確認;及 費者否認消費 ,且無法向持 1377514Table 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
六、帳務♦議.代表交易過程出現問題 卡的消費者承認消費。 且持有信用 徵信資料庫單元12與黑名單資料庫單元u相同,也是 一建置於上述資料庫系統的資料庫檔案,並包括 的徵信成功名單。每-徵信成功名單代表的是過去的交易又 紀錄中順利交易成功的資料,並如表3所 私J所不包括複數資料 攔位,例如:徵信編號、屬於(付款方式)、收款單號、檢 查、狀態及狀態改變曰期等。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.
狀態改變曰期State change period
建置徵信資料庫單元12的主要目的是將不符合黑名單 的訂單與徵信資料庫單元12的徵信成功名單進行比對,以 確認訂單曾經是經過徵信且無問題的。然而,在本較佳實 施例中,訂單無法直接與徵信成功名單比對,必須透過複 數如表4所示的收款單及複數如表5所示的購物單進行比 對’上述之收款單及購物單皆為對應徵信成功名單。 12 13//M4 13//M4 表5 收款單號 --------- 12910605 購物單編號 13560652 ------ 購物單號 會員編號 名稱 13560652 AAAAAAAG67890The 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 高雄市中正路1號 DEF@ABC.COM 、必須注意的是,收款單及購物單都是以資料庫檔案的 方式储存,其謂存於徵信#料庫單元Η内, 另外 二個表輩έ?拉 , ^ 、-錄,也可以儲存於另一電腦伺服器的專屬資料 地址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
厚内β 、管理伺服單元13為運作於—電腦籠器的管理程式, 並連接黑名單資料庫單元u及徵㈣料庫單元Η,料,’ 也刀取網路方式連接購物網站2及銀行健單元3, 接收„ 丁單及進订信用卡請款作業。管理舰單元U由 網站2接收其t_訂單後,依序比對黑名單資料 Z信資科庫單元12,料單不符合其中—黑名單且符合 -—成功名單’則因訂單為有效而連接到銀行 進行信用卡請款作業。特別說明的是,訂單也可能無法通 13 1377514 過黑名單資料庫單元11及徵信資料庫單元U 訂單可能需要依據一人工徵信比對規 的比對,此時 w見行一人 鄉 業,該等訂單無效的情況將於後文中詳細插述。人工徵k作 參閱圖1、2,本發明訂單徵信方法 商務交易所產生的複數訂單,並應用於上核電子 統1。訂單徵信方法包含下列步驟·· 以之6丁早徵信系 首先,如步驟41所示,管理伺服單 接收其中一訂單。 由購物網站2 接著’如步驟42所示,管理飼服單元 資料攔位之内容,菩丕铳A 比對訂早之 里戈……否付合黑名單資料庫單元U之其中- 攔位的内容與〜:里早的方法是只要訂單的任-單就判斷為符合黑名單 搁位的内容相同,該訂 13依據5如表'口…名早’則如步驟43所示,管理飼服單元 说琢如表7所示 要進行人工徵信作業。“比對規則’決定訂單是否需 14 1377514 黑名單中「原因 ' ^~~2~——_一_ 」欄位的内容比對結果的符合襴位 高取消 會員編號、身份带玄 號、電話、電子 ^稱、地址 處理方式 取消訂單 高退貨 會員 號、電話、電子郵件 信箱 工息货立業 取消訂單 已扣款盜刷 未扣款盜刷 名稱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
會員編號、身份證字 號、電話、電子郵件 _信箱 否認交易 工_徵信作業 .工徵信作業 取消訂單 名稱、地址 帳務爭議 所有欄位 _Λ工徵信作業 人工徵信作業 舉例來說,若如表i所示之訂單與如表2所示的黑名 單比對後,訂單的「身份證字號」欄位的内容與黑名單的 身伤證字號」欄位的内容相符,且該符合黑名單的訂單 的「原因」攔位為「高取消」,則管理伺服單元丨3 .依據表7 所示之人工徵信比對規則並如步驟44所示,直接取消訂單 〇 另外’若經人工徵信比對規則比對後為人工徵信作業 ’則如步騾45所示,管理伺服單元13自動地通知系統經 營者指派的管理人員以進行人工的查核。 15 回到步驟42,若訂單的櫚位的内容不符合盆, 單對應的欄位的内容,則如步驟46所示,管理舰單元,、 比對訂單是否符合徵信資料庫單元之其中_徵信成功 a 1 而是透 2、3, 如上所述,訂單並非直接比對徵信成功名單 過對應徵信成功名單的收款單及購物單。參閱圖】 訂單比對徵信成功名單的子步驟如下: f先’如子步驟461所示,管理伺服單元13由徵信 料庫單元12中調出一預設期 一 、 功名單,假設有100筆。 年)内的所有徵信成 成功ίf _服單元13利用徵信 早 款早號」欄位,查詢出所有「收款單號」. 1位對應徵信成功名單的收款單,共計刚筆。 然後,如子步驟463所示,管理词服單元13利用收款 :對二物!:號」攔位,查詢出所有「購物單編號」欄 對應收放早的購物單,共計1〇〇筆。 的「ί著,如子f驟464所示’管理飼服單sn比對訂單 地址」欄位是否符合上述100筆胃「U 位,比對地純” 〖100筆購物早的「地址」攔 在訂單=的原因是因為實務上認為,消費者雖然 能確實收到^某些因素填寫不正確的個人資料,但是為 的「地址J欄:符資訊通常是正確無誤的。若訂單 步驟47所 其中一講物單的「地址」攔位,則如 銀行词服單訂單f有效而管理舰單元13進行透過 進仃k用卡請款作業β若訂單的「地址」 16 丄377514Member 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
攔位不符合其中—購物單的「地址」攔位,則如步驟a所 S理伺服單兀13依據一免徵信比對規則,決定訂單是 否需要進行人工徵信作業。 基於避免經營者可能的經營損失,上述免徵信比對規 則如下: 一、若訂單的金額大於等於—第—預定金額(如测 :):訂單不符合免徵信比對規則,如步驟45所示,管理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
㈣單元13以電子郵件等方式通知系統經營者指派的管理 人員進行人工徵信作業; 干叼牙仍趙:子號 =個月内)以此身份證字號^信用卡方式購 :等於H定金額(如1G_元)的所有購物單 2到的確有符合如上所述的購物單,則訂單也不符合々 二匕對規則’如步驟45所示,管理伺服單A 以電3 :等方式通知系、統經營者指派的管理人員進行人工制 作業。(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.
,該訂 3進行 若訂單符合免徵信比對規則,則如步驟47所示 單為有效而管㈣服單元13進行透過銀㈣服單元、 6用卡請款作業。 上緣丁早縣方法及其系統, ’減少經營者收取貨款時可能遭遇、為概 收吹方法吟“b遭遇的知失。而下述的轉 法及其糸統,則是提昇收取貨款的效率及正禮性。 其中至本發:轉帳收款系統’適用於複數消費者 貝乂冑品後,利用轉帳方式缴付商品之 17If 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.
款。轉帳收款系統包含 及一管理伺服單元4。 購物網站2、一銀行伺服單元 購物網站2由 的經營者所中為—提供線上購物服務 上述芮、苗 %伺服益。購物網站2用以呈現複數 上江商〇 口的商品資訊,每一 式鱼昭片母冑⑽貢訊都清楚地以文字、圖 的價位、特色及其他相關資訊,以便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
品並能直接碰觸賞玩商品,也能充分地了解商 蹲貝忍願。當其中-消費者於購物網站2即將完 =買商品的料時,騎網站2供消㈣選擇複數種方 :A古Γ付商"款’而其中一種就是-自動櫃員機轉帳付 开人工、。消費者決定以自動櫃員機轉帳付款後,構物網站2 對應地產生一訂單,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.
銀行词服單元3在本較佳實施例中為一設置於銀行並 :於管理許多存款帳戶的電_服器,並連接複數自動櫃 員機31其中’自動櫃員機31包括實體設置於銀行、便利 商店及馬路路口的實體自動櫃員冑,及透過網際網路、資 訊裝置(如電腦)與金融卡讀卡機的網路自動櫃員機(Web ATM)。銀行舰單元3具有—對應購物網站2且可建立複 數自動櫃員機虛擬帳號的專屬帳戶。舉例來說,線上購物 、座呂者的專屬帳戶帳號設為1275_χχχχ_χχχχ·χχχχ共Μ碼 其中X代表任意數字’巾「_」符號係用於方便閱讀並 非帳號的一部份。只要自動櫃員機虛擬帳號的前四碼是 1275,如1275-3710-2700-0412 ’則此自動櫃員機虛擬帳號 内的存款金額就是屬於經營者的專屬帳戶。消費者於購物 18 1377514In 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
後,可透過自動櫃員機31蔣白 將自己帳戶内的錢轉帳至經營者 的專屬帳戶的自動櫃員機虛擬帳號,上述關於利用自動櫃 員機進行轉帳的方法為現行技術,且並非本發明之重點, 因此不多贅述。 管理祠服單元於消費者於購物網站2訂購完畢後, 依據一預設規則編碼產生對應訂單之自動櫃員機虛擬帳號 ,用以供4費者透過自勤櫃員機將訂單之貨款由自己的帳 戶轉帳至銀行伺服單亓q & 6 的自動櫃貝機虛擬帳號,以使銀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
行伺服單元3建立—對旛白紅 。 士應自動櫃貝機虛擬帳號的轉帳資料 。上述之預設規則及其中一 表情示: 自動櫃貝機虛擬帳號的範例如 内容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
的身專屬帳戶代碼」搁位有4碼,用以表示經營者 訂單只包括-件商^為表訂單屬化般辦( 訂單 ,、值右為4,代表訂單屬於一起買 若消費者IS路==)。「缴款期限」攔位有5碼’ 款期限可訂為二 曰:為2°。7年10月25曰,則缴 缴款期限並不限於^ 就是贿年1〇月27日(但 ' )而繳款期限的欄位為71027。「訂單 19 1377514 編號」有5碼,對應消費者訂購時所產生的訂單的末$碼 2後’「檢查碼」有1碼’檢㈣是利料單編號及訂購 金額依據一計算規則所算出,其值為〇到9 ^ 管理伺服單元13每隔一固宏拄„ 自銀行他單元3下載上诚 5㈣’自㈣ “母自動櫃員機虛擬帳號所對 應的轉帳貧料’並比對轉帳資 蕈…… 貝科的金額是否正確地對應訂 則設定轉帳資料為-已登錄狀態,並設 …為-請款成功狀態。若轉帳 對應訂單的貨款,刖戽神a 只…古正確地 料及其=的I敕單元13可將有問題的轉帳資 _ /、’心、早正^^為—報表,如一試算表捭幸, 經營者指派的管理人員查核。 田y' 另外’為避免因管理仞 _ 發生铜政# 服早兀13與銀行伺服單元3間 發生網路斷線等問題,導 單元13每隔―總校對 ’’不-致’管理伺服 理飼服單元u所建立之;:=一曰,以總校對時間内管 校對時間内銀行词服單元°3 :數量及f款’比對是否與總 之轉帳資㈣自動櫃員機虛擬帳號所對應 貝科的數1及金額相同。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.
參閱圓4、5,士 U 購物網站2購買商4明轉帳收款方法,適用於消費者於 並包含下列步驟:利用轉帳方式繳付商品之貨款’ • 首先,如步驟51所_ 買商品且選摞白紅μ不,購物網站2於其中一消費者購 舉例來說,:.=rr式後,對應地產生訂單。 元的單一窗σ 、 年1()月Μ曰購買價值為2〇〇〇 商。。’購物網站2產生的訂單的編號為 20 1377514 RMMPOOfm,而灯單的貨款為2〇〇〇元。 二後’如步帮52所示’管理伺服單元㈣據如表4 所不的預設規則產生對應訂單之自動#員機 咖―刚W肖費者將訂單之貨款== =帳戶轉帳至銀Μ服單元3的自動櫃員機虛擬帳戶,以 立對應自動櫃員機虛擬帳戶的轉帳資料。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.
接著,如步驟53所示,管㈣服單元U :間’如五分鐘’由銀行甸服單…載每-自:榧= m轉帳資料,並檢查是否收到轉帳資料。若管= 何服早兀!3於12月27日以前未收到轉 費者未於轉帳繳款期限(二曰内)將 佐、'代表消 動櫃員機虛擬帳號,則如步驟54所示,^轉帳至自 自動地取消訂單,且自動櫃員機虛擬帳號=單元13 若管理伺服單元u由銀行伺服單元3收到=㈣ 步驟55所示’管理飼服單元13比對轉帳 是否符合訂單的貨款。比對後,若轉帳、I4的金額 訂單的貨款,也就是說消費者匯款的金額與訂單名的^合 一致’則表示比對失敗,如步驟56所示 '理^貨秋不 紀錄上述異常訂單的狀況, &理做早^3 行查核。反之,若轉帳資料二理人員進 示士 a , . τ單·的貨款’則表 不比對成功’如步驟57所示,管理 則表 資料為已登錄狀態,並設定訂單騎款設定轉帳 元:==二ΓΓ?帳收款方法中,管_服單 對時間,以總校對時間内管理伺服單元13 21 1377514 . m建立之訂單的數量及貨款,比對是否與總校對時間内銀 • 行祠服單元3中自動櫃員機虛擬帳號所對應之轉帳資料的 數量及金額相同,以避免因為網路斷線等情況所造成的資 料不同步問題。 ' 综上所述,本發明能具有以下優點,並能有效解決現 • 有線上購物經營者於收款方面的困擾: -、利用訂單徵信方法及其系統建立有效且準確的訂 單過澹機制,拒絕惡意及信譽不良的消費者講買商品,能 • 4實減少帳款爭議、惡意呆帳及不必要的物流成本。 二'轉帳收款方法及其系統-方面提供消費者不易出 - 錯且唯一的自動櫃員機虛擬帳號,另一方面提供線上購物 - ,經營者方便有效的帳款管理功能,確實達成自動化地比對 帳單及轉帳資料的功能。 • 三、上述之訂單徵信系統1及轉帳收款系統的管理伺 服單元13可整合建置於單—電腦健器中,作為解決經營 者收款問題的完整解決方案。 • .准以上所述者,僅為本發明之較佳實施例而已,當不 以此限定本發明實施之範圍,即大凡依本發明中請專利 • 圍及發明說明内容所作之簡單的等效變化與修飾,皆仍 屬本發明專利涵蓋之範圍内。 【圖式簡單說明】 圖1是-方塊圖,說明本發明之訂單徵信系統的較佳 實施例; 圖2是-流程圖,說明本發明之訂單徵信方法的較佳 22 1377514 實施例; 圖3是一流程圖,說明較佳實施例中,一訂單比對複 數徵信成功名單的方法。 圖4是一方塊圖,說明本發明之帳款收款方法的較佳 實施例;及 圖5是一流程圖,說明本發明之帳款收款方法的較佳 實施例。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 【主要元件符號說明】 1…… ••…訂單徵信系統 3 ·· ........銀行伺服單元 11 .··· ••…黑名單資料庫單 31 · ........自動櫃員機 元 41〜 48····步驟 12 •…徵信資料庫單元 461 〜464子步驟 13·.... .....管理伺服單元 51〜 57····步驟 2…… …·購物網站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
24twenty four
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