TWM444563U - Online transaction system with enhanced transaction security - Google Patents
Online transaction system with enhanced transaction security Download PDFInfo
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- TWM444563U TWM444563U TW101211831U TW101211831U TWM444563U TW M444563 U TWM444563 U TW M444563U TW 101211831 U TW101211831 U TW 101211831U TW 101211831 U TW101211831 U TW 101211831U TW M444563 U TWM444563 U TW M444563U
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Description
本創作係關於一種線上交易系統，尤指一種簡單便利且可提高交易安全性的線上交易系統。
This creation is about an online trading system, especially an online trading system that is simple and convenient and can improve transaction security.
線上交易系統由於具備有快速性、便利性、隱蔽性及可選購商品多樣性等優點，因此近幾年其使用人數或銷售金額都是以爆炸性的成長，其市場規模也是逐年擴大。
線上交易系統係可為一網路購物系統、電視購物系統、可攜式電子(例如手機)購物系統或平面(例如報章雜誌)購物系統等。而以往一般線上交易系統的購物流程係如第１圖所示。
步驟S101，消費者或訂購者利用一網際網路、電視或手機而連線至一購物平台系統以選購商品。
步驟S102，當訂購者選定欲購買商品後，即結帳並選擇付款方式。一般常見的付款方式計有信用卡付費、儲值戶付費或貨到付款。
步驟S103，確認是否係選擇信用卡付費？如果是，則進行步驟S104，若否，則進行步驟S113。
步驟S104，訂購者提供信用卡資料，例如信用卡卡號、信用卡有效年限及/或卡片背面數字碼等，而購物平台系統業者則依據信用卡資料而直接向一支付單元請款，支付單元係為一金融單位或一發卡單位。
步驟S113，確認是否係選擇儲值戶轉帳付款，例如ATM(自動提款機；Automatic Teller Machine)轉帳付費、金融卡、預付卡(Prepaid Card)或儲值卡(Stored-Value Card)付費？如果是，則進行步驟S114。若否，則進行步驟S123。
步驟S114，訂購者直接在線上或離線進行儲值戶之轉帳程序至購物平台指定帳戶內。
步驟S123，已確定訂購者是選擇貨到付款模式。
步驟S105，確認收件者資料，例如收件者是否就是訂購者、收件人姓名、地址及/或收件時間等。
步驟S106，已確定此次訂單完成，並準備送貨事宜。
步驟S107，送貨人員將該欲購買商品送至指定的收件地址，並確認收件人或代收人身份辨識後，將該欲購買商品遞交給收件人或代收人，至此完成線上購物程序。如果係貨到付款模式者，則尚需向收件人或代收人收取購物費用。
前述習用之線上購物流程雖然簡易方便，但存在有幾個購物風險或缺點：
1.收件者在欲購買商品尚未拿到手時，其信用卡帳戶或儲值戶金額就已經被事先請款或直接轉帳，如果碰到要退訂或退貨時，還要另外再去進行一退款程序，不僅不方便，且也將產生訂購者在銀行帳戶利息上的損失。
2.商品送至送貨地址時，由於難以要求收件者或代收人做出詳細的身份辨識，因此容易發生欲購買商品被冒領的購物糾紛。
3.有些線上購物訂單完成後，會分送簡訊或提貨劵給訂購者或收件者，例如演唱會門票，而當簡訊或提貨劵遺失或被不當複製時，容易被他人清楚破解其提貨劵所代表的商品內容，進而被偷領欲購買商品。
Due to its rapidity, convenience, concealment and the variety of products available for purchase, the online trading system has experienced explosive growth in its number of users or sales in recent years, and its market scale has expanded year by year.
The online trading system can be an online shopping system, a television shopping system, a portable electronic (such as a mobile phone) shopping system, or a flat (such as a newspaper and magazine) shopping system. In the past, the shopping process of the general online trading system is as shown in Figure 1.
In step S101, the consumer or the subscriber connects to a shopping platform system using an internet, television or mobile phone to purchase goods.
In step S102, when the orderer selects the item to be purchased, the account is settled and the payment method is selected. Common payment methods include credit card payment, stored value payment or cash on delivery.
Step S103, confirm whether the credit card payment is selected? If yes, go to step S104, if no, go to step S113.
Step S104, the subscriber provides credit card information, such as a credit card number, a credit card validity period, and/or a digital code on the back of the card, and the shopping platform system operator directly requests a payment unit according to the credit card information, and the payment unit is a financial unit. Or a card issuer.
In step S113, it is confirmed whether the stored value transfer payment is selected, for example, ATM (Automatic Teller Machine) transfer payment, financial card, prepaid card (Prepaid Card) or stored value card (Stored-Value Card) payment? If yes, proceed to step S114. If not, proceed to step S123.
In step S114, the subscriber directly performs the transfer procedure of the stored value household directly or offline to the designated account of the shopping platform.
In step S123, it has been determined that the subscriber is in the cash on delivery mode.
In step S105, the recipient information is confirmed, for example, whether the recipient is the subscriber, the recipient's name, the address, and/or the time of receipt.
In step S106, it is determined that the order is completed and the delivery is prepared.
Step S107, the delivery person sends the item to be purchased to the designated receiving address, and confirms the identification of the recipient or the recipient, and submits the item to be purchased to the recipient or the collecting person, thereby completing the online Shopping program. If you are in the cash on delivery mode, you will still need to charge the recipient or the recipient for the purchase price.
Although the online shopping process described above is simple and convenient, there are several shopping risks or disadvantages:
1. When the recipient wants to purchase the goods and has not yet received the goods, the credit card account or the stored value of the household account has been requested in advance or directly transferred. If you want to unsubscribe or return the goods, you must go back one more time. The program is not only inconvenient, but will also result in the loss of the subscriber’s interest on the bank account.
2. When the product is delivered to the delivery address, it is difficult to require the recipient or the collector to make a detailed identification, so it is prone to a shopping dispute in which the product to be purchased is taken.
3. After some online shopping orders are completed, the newsletter or delivery will be sent to the subscriber or the recipient, such as concert tickets, and when the newsletter or delivery is lost or improperly copied, it is easy for others to clearly crack the delivery. The content of the goods represented is then stolen and wants to buy goods.
本創作之主要目的，在於提供一種線上交易系統，尤指一種簡單便利且可提高交易安全性之線上交易系統，可有效改善現有線上交易系統的缺點。
本創作之次要目的，在於提供一種線上交易系統，送貨人員可利用一資料讀取裝置來讀取收件者所持有之會員卡內的會員卡暗碼，可快速辨識及確認收件者的身份證明，藉此以杜絕欲購買商品被冒領的風險，並有效提高線上交易安全性。
本創作之又一目的，在於提供一種可提高交易安全性之線上交易系統，在欲購買商品未送達給收件者之前，並不會實際向金融單位、發卡單位或儲值戶請領商品費用，不僅可減少商品在被退訂時的退款麻煩，也可降低訂購者的銀行利息損失。
為達成上述目的，本創作提供一種可提高交易安全性之線上交易系統，包括有：至少一訂購單元，設有一訂購裝置，而訂購裝置可連線一網路；至少一收件單元，設有一會員卡，而會員卡內具有一會員卡暗碼；一購物平台系統，連接該網路，具有一商品展示裝置，而商品展示裝置分別連接有一會員資料儲存裝置及一款項處理裝置，會員資料儲存裝置可儲存有與該會員卡暗碼相對應的一會員對應碼，商品展示裝置可經由該訂購單元的選購而產生一欲購買商品；一支付單元，連接該網路，設有一財務資料儲存裝置及一支付處理裝置，財務資料儲存裝置內可儲存有與該訂購單元相關的一個人財務資料；一送貨單元，用以運送至少一該欲購買商品，設有一資料讀取裝置，資料讀取裝置內又具有一表現元件、一讀取器及一訊號傳送器，讀取器可讀取該收件單元所具有的會員卡暗碼，而訊號傳送器則可傳送一物件確認信號至該購物平台系統；及一資料比對器，設於該資料讀取裝置或該購物平台系統內，可用以比對該讀取器所讀取之會員卡暗碼是否與該欲購買商品所對應的會員對應碼相互符合者。
本創作的又一實施例中，其中該訂購單元與該收件單元係為相同之一訂購取件單元。
本創作的又一實施例中，其中該資料讀取裝置內尚設有一資料儲存器，可用以儲存與該欲購買商品相對應的會員對應碼，而該資料比對器也設於資料讀取裝置內，可直接比對該讀取器所讀取之會員卡暗碼是否與該欲購買商品所對應的會員對應碼相互符合者。
本創作的又一實施例中，其中該資料讀取裝置內的該讀取器係為一無線訊號讀取器、一光學訊號讀取器、一條碼掃描器、一紅外光訊號讀取器、一卡片接觸式讀取器、一磁條讀取器、一文字符號輸入讀取器及/或一數字輸入讀取器。
本創作的又一實施例中，其中該會員卡係由該收件單元或由該購物平台系統所提供者。
本創作的又一實施例中，其中該會員卡係為一RFID卡、一NFC卡、一晶片卡、一磁片卡、一數字卡、一符號卡或一條碼標籤。
本創作的又一實施例中，其中該資料讀取裝置內的表現元件係為一顯示器、一聲音播放器或一光學指示器。
本創作的又一實施例中，其中該購物平台系統係可為一網路購物系統、一電視購物系統、一可攜式電子裝置購物系統或一平面購物系統，而該網路則可為一網際網路、一區域網路、一電信線路、一有線電視線路、一無線通訊線路或一平面網路。
本創作的又一實施例中，其中該支付單元係為一金融機關、一發卡單位、一聯合徵信單位或一儲值戶發行單位。
本創作的又一實施例中，其中該購物平台系統之款項處理裝置內儲存有一確認請款支付資料，而該確認請款支付資料內包括有一支付碼。
本創作的又一實施例中，其中該支付碼係為一授權碼或一圈存資料。
本創作的又一實施例中，其中該欲購買商品係為一票證，而該資料讀取裝置則為一驗票機。
本創作的又一實施例中，其中該收件單元尚包括有一訂單密碼，並藉由該資料比對器以比對訂單密碼之正確與否者。
本創作的又一實施例中，其中該購物平台系統尚包括有一訂單密碼，而該訂單密碼可由該購物平台傳送給該送件單元者。
The main purpose of this creation is to provide an online trading system, especially an online trading system that is simple and convenient and can improve transaction security, and can effectively improve the shortcomings of the existing online trading system.
The second purpose of this creation is to provide an online trading system. The delivery personnel can use a data reading device to read the membership card password in the membership card held by the recipient, which can quickly identify and confirm the recipient. Proof of identity, in order to eliminate the risk of buying goods, and effectively improve the security of online transactions.
Another purpose of the present invention is to provide an online trading system that can improve the security of transactions, and does not actually request the goods from the financial unit, the card issuing unit or the stored value household before the goods to be purchased are delivered to the recipient. Not only can it reduce the trouble of refunding goods when they are unsubscribed, but also reduce the loss of bank interest of the subscribers.
In order to achieve the above objective, the present invention provides an online transaction system capable of improving transaction security, comprising: at least one ordering unit having a ordering device, and the ordering device can be connected to a network; at least one receiving unit having a a membership card, and the membership card has a membership card code; a shopping platform system, connected to the network, has a product display device, and the product display device is respectively connected with a member data storage device and a payment processing device, member data storage device A member correspondence code corresponding to the member card password may be stored, and the product display device may generate a product to be purchased through the purchase of the order unit; a payment unit, connected to the network, and a financial data storage device and a payment processing device, wherein the financial data storage device can store a person's financial information related to the ordering unit; a delivery unit for transporting at least one of the goods to be purchased, and a data reading device, the data reading device And having a performance component, a reader and a signal transmitter, the reader can read the receipt The member card has a password, and the signal transmitter can transmit an object confirmation signal to the shopping platform system; and a data comparator is disposed in the data reading device or the shopping platform system, and can be used to compare Whether the member card password read by the reader matches the member corresponding code corresponding to the product to be purchased.
In still another embodiment of the present invention, wherein the ordering unit and the receiving unit are one of the same ordering unit.
In another embodiment of the present invention, the data reading device further includes a data storage device for storing a member corresponding code corresponding to the product to be purchased, and the data comparison device is also configured for reading the data. In the device, it is directly matched with whether the member card code read by the reader matches the member corresponding code corresponding to the product to be purchased.
In another embodiment of the present invention, the reader in the data reading device is a wireless signal reader, an optical signal reader, a code scanner, and an infrared light signal reader. A card contact reader, a magnetic strip reader, a text symbol input reader and/or a digital input reader.
In still another embodiment of the present creation, wherein the membership card is provided by the receiving unit or by the shopping platform system.
In another embodiment of the present invention, the membership card is an RFID card, an NFC card, a chip card, a magnetic disk card, a digital card, a symbol card or a code label.
In still another embodiment of the present invention, the presentation component in the data reading device is a display, a sound player or an optical indicator.
In another embodiment of the present invention, the shopping platform system can be an online shopping system, a television shopping system, a portable electronic device shopping system, or a flat shopping system, and the network can be a Internet, a regional network, a telecommunications line, a cable television line, a wireless communication line, or a flat network.
In another embodiment of the present invention, the payment unit is a financial institution, a card issuing unit, a joint credit unit or a stored value household issuing unit.
In another embodiment of the present invention, the payment processing device of the shopping platform system stores a confirmation payment payment information, and the confirmation payment payment information includes a payment code.
In another embodiment of the present invention, the payment code is an authorization code or a circle of data.
In another embodiment of the present invention, the item to be purchased is a ticket, and the data reading device is a ticket inspection machine.
In another embodiment of the present invention, the receiving unit further includes an order password, and the data comparator is used to compare the correctness of the order password.
In another embodiment of the present invention, the shopping platform system further includes an order password, and the order password can be transmitted by the shopping platform to the delivery unit.
請同時參閱第２圖、第３圖及第３Ａ圖，係本創作線上交易系統一較佳實施例之構造示意圖及流程圖。如圖所示，本創作線上交易系統10，主要係包括有至少一訂購單元20、至少一收件單元25、一購物平台系統30、一支付單元40及一送貨單元50。
訂購單元10、購物平台系統30及支付單元40又可分別連接有一網路15，該網路15係可選擇為一網際網路、一區域網路、一電信線路、一有線電視線路、一無線通訊線路或一平面網路(例如報章雜誌)等。
步驟S201，當一位消費者或訂購單元20想要在線上選購商品或服務時，可藉由其訂購裝置21連接網路15及連線找上一購物平台系統30。該購物平台系統30係可選擇為一網路購物系統、一電視購物系統、一可攜式電子裝置購物系統或一平面購物系統(例如報章雜誌購物系統)。
購物平台系統30內設有一商品展示裝置31，商品展示裝置31又可電性連接有一會員資料處理裝置33及一款項處理裝置35。商品展示裝置31內可顯示出眾多欲出售之商品或服務項目，而訂購單元20就可以在商品展示裝置31內挑選出所想要購買的欲購買服務商品51，例如實體商品、票證或服務。
步驟Ｓ202，當訂購單元20已選出至少一欲購買商品51而欲結帳時，購物平台系統30將要求訂購單元20提供一收件單元25及其資料，例如收件者姓名、收件地址及/或收件時間等。並詢問及確認收件單元25是否擁有一張已在購物平台系統30內登記有案之會員卡255？如果有會員卡255，就持續進行步驟S203。反之，如果沒有會員卡255，就進行步驟S223。
該會員卡255必須係為一具有會員卡暗碼257之實體卡或實體標籤，其可為一RFID卡、一NFC卡 (Near Field Communication)、一晶片卡、一磁片卡、一數字卡、一符號卡或一條碼標籤。而該會員卡255也不論是向購物平台系統業者或相關指定業者所提供的卡片，或者是收件單元25自己本身就擁有的實體卡片，例如其健保卡、信用卡、金融卡、悠遊卡、iCash卡、臺灣通卡、一卡通卡、現金卡、交通卡、八達通卡或儲值卡等。
購物平台系統30將根據該會員卡暗碼257而在事前登記時就產生一相對應的會員對應碼335，並儲存在會員資料處理裝置33內。會員對應碼335係可相同於該會員卡暗碼257，也可係為一根據會員卡暗碼257而加以運算產生之一對應碼。會員對應碼335即可被視為是該會員卡255的核對資料，並可驗證出收件單元25的身份證明。
在本創作一實施例中，其會員卡暗碼257係可為一存在於RFID卡、NFC卡、晶片卡、磁片卡、數字卡、符號卡或條碼標籤內的序號資料或其他可被讀取的辨識資料。
又，在本創作又一實施例中，其符號卡或條碼標籤，例如一維條碼、二維條碼或QR碼，也可以一標籤形態呈現，其符號或條碼標籤就可以做為該會員卡暗碼257。
步驟S223，代表被指定的收件單元25並未擁有會員卡255，因此，必須要求訂購單元20是否可重新指定收件單元25？若可以重新選定好收件單元25，則持續進行步驟S202。反之，如果找不到新的收件單元25或是更改收件單元25次數已達到一設定次數(N次)，只好遺憾結束此次線上購物程序。
步驟Ｓ203，購物平台系統30將找出與該收件單元25相對應的會員對應碼335，並將該欲購買商品51與該會員對應碼335結合或搭配記錄。換言之，會員對應碼335就像是該收件單元25的提貨劵，憑該提貨劵以換取欲購買商品51。
步驟Ｓ204，要求訂購單元20選擇付款方式，係要選擇信用卡付款，亦或是選擇儲值戶轉帳付款。
在本創作一實施例中，其儲值戶係可選擇為一ATM(自動提款機；Automatic Teller Machine)、或是一金融卡、現金卡、悠遊卡、iCash卡、交通卡、八達通卡、預付卡(Prepaid Card)、儲值卡(Stored-Value Card)等內部儲值有等同現金的有價卡片。
步驟S205，訂購單元20提供一信用卡資料或一儲值戶轉帳資料等個人金融資料23給購物平台系統30，而購物平台系統30則根據這些個人金融資料23向一支付單元40申請並欲取得與欲購買商品款項等值的一授權碼(Authentication Code)或一圈存(Block)資料的一支付碼415。
上述個人金融資料23主要是指提供一信用卡、有價卡片或儲值戶的卡號、使用截止年月及/或背面數字碼等。或者是訂購單元20直接在線上或離線進行儲值戶之預約轉帳程序。
支付單元40係可為一金融(銀行)機關、一發卡單位(例如信用卡發卡單位)、一聯合徵信中心(例如信用卡中心)或一儲值戶發行單位，設有一財務資料儲存裝置41及一支付處理裝置45。財務資料儲存裝置41內儲存有使用戶或訂購戶20的金融存款金額、信用卡信用額度、信用卡剩餘信用額度及/或姓名等個人財務資料413。
步驟S206，購物平台系統30確認可取得授權碼或圈存的支付碼415？如果是，進行步驟S207，如果不是，則進行步驟S247。
步驟S207，已證明訂購單元20有足夠的儲值款或剩餘信用額度足以支付欲購買商品51等相關費用，因此，購物平台系統30將根據該個人金融資料23及支付碼415而製作一確認請款支付資料355，並儲存在款項處理裝置35內，且完成訂單程序。
確認請款支付資料355主要是購物平台系統30在欲購買商品51確定安全交給收件單元25時，可立即向支付單元40請款或轉帳給付，並不是在欲購買商品51尚未遞交給收件單元25時就向支付單元40請款給付或轉帳給付，除了可確保訂購單元20的銀行利息不會受損外，又可以有效降低因商品退訂或退貨而引起的退貨麻煩。
步驟S247，代表訂購單元20所提供的個人金融資料23並不足以支付欲購買商品51等相關費用，因此，詢問訂購單元20是否要重新選擇付款方式？如果可以，則重新進行步驟S204，如果不行或更改付款方式已達到一設定次數(N次)，只好遺憾結束此次線上購物程序。
步驟S209，購物平台系統30將指示或委託一送貨單元50進行送貨程序，而送貨單元50除了將攜帶欲購買商品51外，也將攜帶一資料讀取裝置55。送貨單元50或購物平台系統30將與收件單元25或訂購單元20事先取得交付欲購買商品51的交貨時間及交貨地點，而收件單元25(不論係訂購者、指定收件者或其他代收人)將攜帶其會員卡255，以領取欲購買商品51。
資料讀取裝置55至少包括有一讀取器551、一訊號傳送器557及一表現元件559。讀取器551係可為一無線訊號讀取器、一光學訊號讀取器、一條碼掃描器、一紅外光訊號讀取器、一卡片接觸式讀取器、一磁條讀取器、一文字符號輸入讀取器及/或一數字輸入讀取器，可用以讀取會員卡255內之會員卡暗碼257。而表現元件559則可為一顯示器、一聲音播放器及/或一光學指示器。
當資料讀取裝置55已讀取收件單元25的會員卡暗碼257後，資料讀取裝置55的訊號傳送器557將可透過網路15而將此會員卡暗碼257傳送給購物平台系統30。
步驟S210，購物平台系統30內可設有一資料比對器555，可用以比對已讀取之會員卡暗碼257是否與先前已經找出的會員對應碼335相互符合或相同，並因此產生一會員碼比對結果337，並把該會員碼比對結果337通知送貨單元50。
步驟S211，送貨單元50可經由表現元件559而獲知會員碼比對結果337，如果比對結果是相互符合，則進行步驟S212。若否，則進行步驟S222。
步驟S222，表示收件單元25所提供的會員卡255並不是原先所約定的會員卡，因此，要求收件單元25重新提供一會員卡255。如果可提供新的會員卡255，則再次進行步驟S209，資料讀取裝置55重新讀取會員卡255。如果無法再提供一個會員卡255或讀取會員卡255次數已達到一設定次數(N次)，則就要結束欲購買產品之遞交程序，並遺憾結束此次線上購物程序。
步驟S212，表示收件單元25所提供的會員卡255就是原先所約定的會員卡255，因此，可完成遞貨程序。送貨單元50在將欲購買商品51遞交給收件單元25時，也會遞送一個物件確認信號552至購物平台系統30。購物平台系統30在獲得物件確認信號552後，將立即啟動款項處理裝置35把先前已製作好的確認請款支付資料355傳送給支付單元40，並要求支付單元40的支付處理裝置45依據支付碼415給付欲購買商品51之款項。至此以完成整個線上購物程序。
由於本創作的會員對應碼335類似欲購買商品51的提貨劵，且該提貨劵係儲存於購物平台系統30內，因此可有效減少提貨劵遺失或被重覆製作而引起的購物糾紛。
又，會員卡255及其會員卡暗碼257都可以很快速的被資料讀取裝置55所讀取及核對，因此可快速且確實的檢視收件單元25的身份驗證，以有效提高貨品安全送達的目的。
另外，請參閱第４圖及第５圖，係分別為本創作線上交易系統又一實施例之構造示意圖及其流程圖。如圖所示，線上交易系統70之訂購單元20亦與該收件單元25為同一者的訂購取件單元60。
又，在另一實施例中，送貨單元50的資料讀取裝置55尚包括有一資料儲存器553及一資料比對器555，其中該資料儲存器553可用以儲存至少一與欲購買商品51、會員卡255、會員卡暗碼257相關的會員對應碼335。
而當資料讀取裝置55在讀取會員卡暗碼257時，就不需要再把會員卡暗碼257傳往購物平台系統30，而就在該資料讀取裝置55內的資料比對器555進行比對，比對已讀取之會員卡暗碼257是否與先前已經找出的會員對應碼335相互符合(或相同)，並因此產生一會員碼比對結果337。
在本創作又一實施例中，尚可在如第３圖所示步驟S207後，存在有以下購物流程：
步驟S408，存在於原步驟S207及S209之間，購物平台系統30可在訂單程序完成時，相對產生一訂單密碼339，該訂單密碼339可選擇為一訂購取件單元60的身份證字號、手機號碼、自行設定號碼等個人身份確認碼(Personal Identification Number)或購物平台系統30亂數產生的號碼。
訂單密碼339將被儲存於購物平台系統30之會員資料處理裝置33及/或送貨單元50之資料儲存器553，並利用短訊、簡訊及/或網路15、傳送告知訂購取件單元60。
步驟S409，取代先前第３Ａ圖所示實施例的步驟S209。購物平台系統30將指示或委託一送貨單元50進行送貨程序，而送貨單元50除了將攜帶欲購買商品51外，也將攜帶一資料讀取裝置55。訂購取件單元60將攜帶其會員卡255，以領取欲購買商品51。
步驟S410，取代先前第３Ａ圖所示實施例的步驟S210。資料讀取裝置55除了讀取收件單元25的會員卡暗碼257外，也會要求訂購取件單元60即時提供或自行在資料讀取裝置55內鍵入訂單密碼339。訂單密碼339將被傳送至購物平台系統30或直接利用資料讀取裝置55的資料比對器555進行訂單密碼的資料比對。
於此一實施例中，本創作線上交易系統70除了先前所揭露的會員卡暗碼257及會員對應碼335比對程序外，也增加了另一個訂單密碼339的比對程序，藉此以增加訂購取件單元60的身份辨識及提高線上購物的安全性。
當購物平台系統30販售一單價比較貴重的貨品並取得訂單完成時，送貨單元50將攜帶複數個欲購買商品51，例如三顆紅寶石珠寶，並提供給訂購取件單元60親自挑選，藉此以達到消費者臨櫃挑選購買的事實。此時本創作所揭露的會員卡暗碼257/會員對應碼335之比對及訂單密碼339之比對程序就可突顯其重要性，經由雙重之身份辨識比對程序以有效提高其線上購物之安全性。
又，在本創作又一實施例中，其中該欲購買商品51也可為一票證，例如門票、入場票、車票等，此時，送貨單元50即為一在特定位置入口處的驗票單位，而其資料讀取裝置255即為一驗票機。
以上所述者，僅為本創作之實施例而已，並非用來限定本創作實施之範圍，即凡依本創作申請專利範圍所述之形狀、構造、特徵、方法及精神所為之均等變化與修飾，均應包括於本創作之申請專利範圍內。
Please refer to FIG. 2, FIG. 3 and FIG. 3A at the same time, which is a schematic structural diagram and a flow chart of a preferred embodiment of the online trading system. As shown, the present online trading system 10 mainly includes at least one ordering unit 20, at least one receiving unit 25, a shopping platform system 30, a payment unit 40, and a delivery unit 50.
The ordering unit 10, the shopping platform system 30 and the payment unit 40 can be respectively connected to a network 15, which can be selected as an internet network, a regional network, a telecommunication line, a cable television line, and a wireless network. Communication lines or a flat network (such as newspapers and magazines).
In step S201, when a consumer or ordering unit 20 wants to purchase goods or services online, the ordering device 21 can connect to the network 15 and connect to find a shopping platform system 30. The shopping platform system 30 can be selected as an online shopping system, a television shopping system, a portable electronic device shopping system, or a flat shopping system (eg, a newspaper and magazine shopping system).
A product display device 31 is disposed in the shopping platform system 30. The product display device 31 is electrically connected to a member data processing device 33 and a payment processing device 35. The merchandise display device 31 can display a plurality of items or service items to be sold, and the ordering unit 20 can select the goods to be purchased 51 to be purchased, such as physical goods, tickets or services, in the product display device 31.
Step S202, when the ordering unit 20 has selected at least one item to be purchased 51 to be settled, the shopping platform system 30 will request the ordering unit 20 to provide a receiving unit 25 and its information, such as the recipient's name, the recipient's address, and / or receipt time and so on. And ask and confirm whether the receiving unit 25 has a membership card 255 that has been registered in the shopping platform system 30? If there is a membership card 255, step S203 is continued. On the other hand, if there is no membership card 255, step S223 is performed.
The membership card 255 must be a physical card or physical tag having a membership card password 257, which can be an RFID card, an NFC card (Near Field Communication), a chip card, a magnetic disk card, a digital card, and a Symbol card or a code label. The membership card 255 is also a card provided to a shopping platform system operator or a related designated operator, or a physical card owned by the receiving unit 25 itself, such as a health insurance card, a credit card, a financial card, a leisure card, and an iCash. Card, Taiwan Tongka, card, cash card, transportation card, Octopus card or stored value card.
The shopping platform system 30 generates a corresponding member correspondence code 335 upon pre-registration based on the membership card password 257, and stores it in the member profile processing device 33. The member correspondence code 335 can be the same as the member card password 257, or can be calculated according to the member card password 257 to generate one corresponding code. The member correspondence code 335 can be regarded as the verification data of the membership card 255, and the identity certificate of the receiving unit 25 can be verified.
In an embodiment of the present invention, the member card password 257 can be a serial number data or other information existing in an RFID card, an NFC card, a chip card, a magnetic disk card, a digital card, a symbol card or a barcode label. Identification data.
Moreover, in another embodiment of the present invention, the symbol card or the barcode label, such as the one-dimensional barcode, the two-dimensional barcode or the QR code, may also be presented in a label form, and the symbol or the barcode label may be used as the membership card password. 257.
In step S223, the designated receiving unit 25 does not have the membership card 255. Therefore, must the ordering unit 20 be required to re-designate the receiving unit 25? If the receiving unit 25 can be reselected, step S202 is continued. Conversely, if the new inbox unit 25 is not found or the number of times the receiving unit 25 has been changed has reached a set number of times (N times), it is regrettable to end the online shopping process.
In step S203, the shopping platform system 30 will find the member correspondence code 335 corresponding to the receiving unit 25, and combine or record the product to be purchased 51 with the member corresponding code 335. In other words, the member correspondence code 335 is like a delivery item of the receiving unit 25, in exchange for the item 51 to be purchased.
In step S204, the ordering unit 20 is required to select a payment method, which is to select a credit card payment, or to select a stored value account to transfer the payment.
In an embodiment of the present creation, the stored value household may be selected as an ATM (Automatic Teller Machine), or a financial card, a cash card, a leisure card, an iCash card, a transportation card, an Octopus card, The prepaid card (Prepaid Card), stored value card (Stored-Value Card) and other internal stored value have the same value as cash.
In step S205, the ordering unit 20 provides a personal financial information 23 such as a credit card data or a stored value account transfer information to the shopping platform system 30, and the shopping platform system 30 applies to the payment unit 40 according to the personal financial information 23 and wants to obtain and An authorization code (such as an authentication code) or a payment code 415 of a block of data to be purchased.
The above personal financial information 23 mainly refers to the provision of a credit card, a value card or a stored value card number, the use of the year and month and/or the back digital code. Alternatively, the ordering unit 20 directly performs the reservation transfer procedure of the stored value household directly or offline.
The payment unit 40 can be a financial (bank) institution, a card issuing unit (such as a credit card issuing unit), a joint credit center (such as a credit card center) or a stored value household issuing unit, and has a financial data storage device 41 and a Payment processing device 45. The financial information storage device 41 stores personal financial information 413 such as a financial deposit amount, a credit card credit line, a credit card remaining credit line, and/or a name for the user or the customer 20 .
In step S206, the shopping platform system 30 confirms that the authorization code or the deposited payment code 415 can be obtained. If yes, go to step S207, if not, go to step S247.
In step S207, it has been proved that the ordering unit 20 has sufficient stored value or remaining credit limit to pay for the related expenses such as the purchase of the commodity 51. Therefore, the shopping platform system 30 will make a confirmation according to the personal financial data 23 and the payment code 415. The payment information 355 is stored in the payment processing device 35, and the order process is completed.
The confirmation payment payment information 355 is mainly that the shopping platform system 30 can immediately pay the payment unit 40 for payment or transfer when the goods to be purchased 51 are determined to be safely handed over to the receiving unit 25, and not the goods to be purchased 51 have not yet been submitted to the collection. When the unit unit 25 requests the payment unit 40 to pay or transfer the payment, in addition to ensuring that the bank interest of the ordering unit 20 is not damaged, it can effectively reduce the trouble of returning goods due to unsubscription or return of the goods.
In step S247, the personal financial information 23 provided on behalf of the ordering unit 20 is not sufficient to pay the related expenses such as the item 51 to be purchased. Therefore, is the inquiry ordering unit 20 re-selecting the payment method? If yes, proceed to step S204 again. If the payment method has not been reached or the payment method has been reached for a set number of times (N times), it is regrettable to end the online shopping process.
In step S209, the shopping platform system 30 will instruct or commission a delivery unit 50 to perform the delivery process, and the delivery unit 50 will carry a data reading device 55 in addition to the item 51 to be purchased. The delivery unit 50 or the shopping platform system 30 will obtain in advance the delivery time and delivery location of the goods to be purchased 51 with the receiving unit 25 or the ordering unit 20, and the receiving unit 25 (whether the orderer or the designated recipient) Or other collectors will carry their membership card 255 to receive the item 51 to be purchased.
The data reading device 55 includes at least a reader 551, a signal transmitter 557 and a display component 559. The reader 551 can be a wireless signal reader, an optical signal reader, a code scanner, an infrared light signal reader, a card contact reader, a magnetic strip reader, and a text. A symbol input reader and/or a digital input reader can be used to read the membership card code 257 in the membership card 255. The presentation component 559 can be a display, a sound player, and/or an optical indicator.
After the data reading device 55 has read the membership card password 257 of the receiving unit 25, the signal transmitter 557 of the data reading device 55 will transmit the membership card password 257 to the shopping platform system 30 via the network 15.
In step S210, a data comparator 555 may be disposed in the shopping platform system 30, and may be used to compare whether the read membership card password 257 matches or is identical to the member correspondence code 335 that has been previously found, and thus generates a member. The code compares the result 337 and notifies the delivery unit 50 of the member code comparison result 337.
In step S211, the delivery unit 50 can obtain the member code comparison result 337 via the performance component 559. If the comparison results are mutually consistent, step S212 is performed. If not, proceed to step S222.
In step S222, it is indicated that the membership card 255 provided by the receiving unit 25 is not the originally agreed membership card. Therefore, the receiving unit 25 is required to re-provide a membership card 255. If a new membership card 255 is available, step S209 is performed again, and the material reading device 55 rereads the membership card 255. If it is no longer possible to provide a membership card 255 or read the membership card 255 times has reached a set number of times (N times), then it is necessary to end the delivery process of the product to be purchased, and regret to end the online shopping process.
In step S212, it is indicated that the membership card 255 provided by the receiving unit 25 is the previously agreed membership card 255, and therefore, the delivery procedure can be completed. The delivery unit 50 also delivers an item confirmation signal 552 to the shopping platform system 30 when the item 51 to be purchased is delivered to the receiving unit 25. After obtaining the item confirmation signal 552, the shopping platform system 30 will immediately activate the payment processing means 35 to transmit the previously made confirmation payment payment information 355 to the payment unit 40, and request the payment processing means 45 of the payment unit 40 to follow the payment code. 415 pays the amount of goods to be purchased 51. This completes the entire online shopping process.
Since the member correspondence code 335 of the present creation is similar to the delivery item of the item 51 to be purchased, and the delivery item is stored in the shopping platform system 30, the shopping dispute caused by the loss of the delivery item or the repeated production can be effectively reduced.
Moreover, the membership card 255 and its membership card code 257 can be quickly read and checked by the data reading device 55, so that the identity verification of the receiving unit 25 can be quickly and surely checked to effectively improve the safe delivery of goods. purpose.
In addition, please refer to FIG. 4 and FIG. 5 , which are respectively a structural diagram of a further embodiment of the online trading system and a flow chart thereof. As shown, the ordering unit 20 of the online trading system 70 is also the same as the ordering unit 25 of the order picking unit 60.
Moreover, in another embodiment, the data reading device 55 of the delivery unit 50 further includes a data storage 553 and a data comparator 555, wherein the data storage 553 can be used to store at least one item to be purchased 51. , member card 255, member card password 257 related member correspondence code 335.
When the data reading device 55 reads the member card password 257, it is no longer necessary to transmit the member card password 257 to the shopping platform system 30, and the data comparison device 555 in the data reading device 55 is compared. Yes, it is compared with whether the read membership card code 257 matches (or is identical to) the member correspondence code 335 that has been previously found, and thus a member code comparison result 337 is generated.
In still another embodiment of the present creation, after the step S207 shown in FIG. 3, the following shopping flow may exist:
Step S408, existing between the original steps S207 and S209, the shopping platform system 30 can generate an order password 339 when the order program is completed, and the order password 339 can be selected as an ID number of the order picking unit 60, and the mobile phone. A personal identification number such as a number or a self-set number, or a number generated by the random number of the shopping platform system 30.
The order password 339 will be stored in the member data processing device 33 of the shopping platform system 30 and/or the data storage 553 of the delivery unit 50, and will inform the order picking unit 60 by using the short message, the short message and/or the network 15. .
Step S409, in place of step S209 of the embodiment shown in the previous FIG. 3A. The shopping platform system 30 will instruct or commission a delivery unit 50 to perform the shipping process, and the delivery unit 50 will carry a data reading device 55 in addition to the item 51 to be purchased. The order pick-up unit 60 will carry its membership card 255 to receive the item 51 to be purchased.
Step S410, in place of step S210 of the embodiment shown in the previous FIG. 3A. In addition to reading the membership card code 257 of the receiving unit 25, the data reading device 55 also requests the order picking unit 60 to provide the order password 339 in real time or by itself in the data reading device 55. The order password 339 will be transmitted to the shopping platform system 30 or directly to the data comparison of the order password by the data comparator 555 of the material reading device 55.
In this embodiment, the online trading system 70 of the present invention adds a matching procedure of another order password 339 in addition to the previously disclosed membership card code 257 and member correspondence code 335 comparison program, thereby increasing the order. The identification of the pickup unit 60 and the improvement of online shopping security.
When the shopping platform system 30 sells a relatively expensive item and obtains the order completion, the delivery unit 50 will carry a plurality of items 51 to be purchased, such as three ruby jewels, and provide them to the order picking unit 60 for personal selection. This is to achieve the fact that consumers choose to buy. At this time, the comparison between the membership card code 257/member code 335 and the order password 339 disclosed in this creation can highlight its importance, and the double identity recognition program can effectively improve the safety of online shopping. Sex.
In another embodiment of the present invention, the item 51 to be purchased may also be a ticket, such as a ticket, an entrance ticket, a ticket, etc., at this time, the delivery unit 50 is a ticket at the entrance of the specific location. The unit, and its data reading device 255 is a ticket checking machine.
The above is only the embodiment of the present invention, and is not intended to limit the scope of the present invention, that is, the uniformity and modification of the shapes, structures, features, methods and spirits described in the scope of the patent application. , should be included in the scope of the patent application of this creation.
10‧‧‧線上交易系統
15‧‧‧網路
20‧‧‧訂購單元
21‧‧‧訂購裝置
23‧‧‧個人金融資料
25‧‧‧收件單元
255‧‧‧會員卡
257‧‧‧會員卡暗碼
30‧‧‧購物平台系統
31‧‧‧商品展示裝置
33‧‧‧會員資料處理裝置
335‧‧‧會員對應碼
337‧‧‧會員碼比對結果
339‧‧‧訂單密碼
35‧‧‧款項處理裝置
355‧‧‧確認請款支付資料
40‧‧‧支付單元
41‧‧‧財務資料儲存裝置
413‧‧‧個人財務資料
415‧‧‧支付碼
45‧‧‧支付處理裝置
50‧‧‧送貨單元
51‧‧‧欲購買商品
55‧‧‧資料讀取裝置
551‧‧‧讀取器
552‧‧‧物件確認信號
553‧‧‧資料儲存器
555‧‧‧資料比對器
557‧‧‧訊號傳送器
559‧‧‧表現元件
60‧‧‧訂購取件單元
70‧‧‧線上交易系統
10‧‧‧Online Trading System
15‧‧‧Network
20‧‧‧Ordering unit
21‧‧‧Ordering device
23‧‧‧ Personal Financial Information
25‧‧‧Receipt unit
255‧‧‧Membership Card
257‧‧‧Member card code
30‧‧‧Shopping platform system
31‧‧‧Commodity display device
33‧‧‧Member data processing device
335‧‧‧Member corresponding code
337‧‧‧member code comparison results
339‧‧‧ Order Password
35‧‧‧ payment processing device
355‧‧‧Confirm payment request information
40‧‧‧Payment unit
41‧‧‧Financial data storage device
413‧‧ personal financial information
415‧‧‧Payment code
45‧‧‧Payment processing device
50‧‧‧Delivery unit
51‧‧‧ want to buy goods
55‧‧‧Data reading device
551‧‧‧Reader
552‧‧‧ object confirmation signal
553‧‧‧Data storage
555‧‧‧ data comparator
557‧‧‧Signal transmitter
559‧‧‧ performance components
60‧‧‧Order pick-up unit
70‧‧‧Online Trading System
第１圖：係習用線上交易系統的購物流程圖。
第２圖：係本創作線上交易系統一較佳實施例之構造示意圖。
第３圖及第３Ａ圖：係本創作線上交易系統一較佳實施例的購物流程圖。
第４圖：係本創作線上交易系統又一實施例之構造示意圖。
第５圖：係本創作線上交易系統一實施例的購物流程圖。
Figure 1: The shopping flow chart of the online trading system.
Figure 2 is a schematic diagram showing the construction of a preferred embodiment of the present online trading system.
3 and 3A are shopping flow charts of a preferred embodiment of the present online trading system.
Fig. 4 is a schematic view showing the construction of another embodiment of the online trading system of the present invention.
Figure 5: A shopping flow chart of an embodiment of the present online trading system.
10‧‧‧線上交易系統 10‧‧‧Online Trading System
15‧‧‧網路 15‧‧‧Network
20‧‧‧訂購單元 20‧‧‧Ordering unit
21‧‧‧訂購裝置 21‧‧‧Ordering device
23‧‧‧個人金融資料 23‧‧‧ Personal Financial Information
25‧‧‧收件單元 25‧‧‧Receipt unit
255‧‧‧會員卡 255‧‧‧Membership Card
257‧‧‧會員卡暗碼 257‧‧‧Member card code
30‧‧‧購物平台系統 30‧‧‧Shopping platform system
31‧‧‧商品展示裝置 31‧‧‧Commodity display device
33‧‧‧會員資料處理裝置 33‧‧‧Member data processing device
335‧‧‧會員對應碼 335‧‧‧Member corresponding code
337‧‧‧會員碼比對結果 337‧‧‧member code comparison results
35‧‧‧款項處理裝置 35‧‧‧ payment processing device
355‧‧‧確認請款支付資料 355‧‧‧Confirm payment request information
40‧‧‧支付單元 40‧‧‧Payment unit
41‧‧‧財務資料儲存裝置 41‧‧‧Financial data storage device
45‧‧‧支付處理裝置 45‧‧‧Payment processing device
413‧‧‧支付碼 413‧‧‧Payment code
415‧‧‧個人財務資料 415‧‧ personal financial information
50‧‧‧送貨單元 50‧‧‧Delivery unit
51‧‧‧欲購買商品 51‧‧‧ want to buy goods
55‧‧‧資料讀取裝置 55‧‧‧Data reading device
551‧‧‧讀取器 551‧‧‧Reader
552‧‧‧物件確認信號 552‧‧‧ object confirmation signal
557‧‧‧訊號傳送器 557‧‧‧Signal transmitter
559‧‧‧表現元件 559‧‧‧ performance components
Claims (14)
至少一訂購單元，設有一訂購裝置，而訂購裝置可連線一 網路；
至少一收件單元，設有一會員卡，而會員卡內具有一會員 卡暗碼；
一購物平台系統，連接該網路，具有一商品展示裝置，而 商品展示裝置分別連接有一會員資料儲存裝置及一款項 處理裝置，會員資料儲存裝置可儲存有與該會員卡暗碼 相對應的一會員對應碼，商品展示裝置可經由該訂購單 元的選購而產生一欲購買商品；
一支付單元，連接該網路，設有一財務資料儲存裝置及一 支付處理裝置，財務資料儲存裝置內可儲存有與該訂購 單元相關的一個人財務資料；
一送貨單元，用以運送至少一該欲購買商品，設有一資料 讀取裝置，資料讀取裝置內又具有一表現元件、一讀取 器及一訊號傳送器，讀取器可讀取該收件單元所具有的 會員卡暗碼，而訊號傳送器則可傳送一物件確認信號至 該購物平台系統；及
一資料比對器，設於該資料讀取裝置或該購物平台系統內 ，可用以比對該讀取器所讀取之會員卡暗碼是否與該欲 購買商品所對應的會員對應碼相互符合者。An online trading system that enhances transaction security, including:
At least one ordering unit is provided with a ordering device, and the ordering device can be connected to a network;
At least one receiving unit has a membership card, and the membership card has a membership card password;
a shopping platform system, connected to the network, has a merchandise display device, and the merchandise display device is respectively connected with a member data storage device and a payment processing device, and the member data storage device can store a member corresponding to the membership card password. Corresponding code, the merchandise display device can generate a product to be purchased through the purchase of the order unit;
a payment unit, connected to the network, having a financial data storage device and a payment processing device, wherein the financial data storage device can store a person's financial information related to the ordering unit;
a delivery unit for transporting at least one item to be purchased, and a data reading device having a display component, a reader and a signal transmitter, the reader can read the data reading device The member card has a membership code, and the signal transmitter can transmit an object confirmation signal to the shopping platform system; and a data comparator is disposed in the data reading device or the shopping platform system, and can be used Whether the membership code read by the reader matches the member corresponding code corresponding to the product to be purchased.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| TW101211831U TWM444563U (en) | 2012-06-19 | 2012-06-19 | Online transaction system with enhanced transaction security |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| TW101211831U TWM444563U (en) | 2012-06-19 | 2012-06-19 | Online transaction system with enhanced transaction security |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| TWM444563U true TWM444563U (en) | 2013-01-01 |
Family
ID=48090284
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| TW101211831U TWM444563U (en) | 2012-06-19 | 2012-06-19 | Online transaction system with enhanced transaction security |
Country Status (1)
| Country | Link |
|---|---|
| TW (1) | TWM444563U (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109658084A (en) * | 2017-10-11 | 2019-04-19 | 北京京东尚科信息技术有限公司 | The method and system of offline electronic payment |
-
2012
- 2012-06-19 TW TW101211831U patent/TWM444563U/en not_active IP Right Cessation
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109658084A (en) * | 2017-10-11 | 2019-04-19 | 北京京东尚科信息技术有限公司 | The method and system of offline electronic payment |
| CN109658084B (en) * | 2017-10-11 | 2023-05-30 | 北京京东尚科信息技术有限公司 | Offline payment method and system |
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