WO2012016356A1 - 网络安全随付系统 - Google Patents

网络安全随付系统 Download PDF

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Publication number
WO2012016356A1
WO2012016356A1 PCT/CN2010/001192 CN2010001192W WO2012016356A1 WO 2012016356 A1 WO2012016356 A1 WO 2012016356A1 CN 2010001192 W CN2010001192 W CN 2010001192W WO 2012016356 A1 WO2012016356 A1 WO 2012016356A1
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WO
WIPO (PCT)
Prior art keywords
buyer
seller
platform unit
account
transaction
Prior art date
Application number
PCT/CN2010/001192
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English (en)
French (fr)
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WO2012016356A8 (zh
Inventor
萧政豪
Original Assignee
Hsiao Cheng-Hao
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Hsiao Cheng-Hao filed Critical Hsiao Cheng-Hao
Priority to KR1020137002865A priority Critical patent/KR20130050960A/ko
Priority to EP10855494.0A priority patent/EP2602753A1/en
Priority to SG2013007125A priority patent/SG188187A1/en
Priority to US13/814,449 priority patent/US20130138535A1/en
Priority to PCT/CN2010/001192 priority patent/WO2012016356A1/zh
Priority to CA2807449A priority patent/CA2807449A1/en
Priority to JP2013522065A priority patent/JP2013532875A/ja
Priority to AU2010358506A priority patent/AU2010358506A1/en
Priority to CN2010800684133A priority patent/CN103052967A/zh
Publication of WO2012016356A1 publication Critical patent/WO2012016356A1/zh
Publication of WO2012016356A8 publication Critical patent/WO2012016356A8/zh

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/26—Debit schemes, e.g. "pay now"

Definitions

  • the invention relates to a network security pay-as-you-go system, in particular to a network security pay-as-you-go system capable of confirming identity and confirming transaction security, so as to avoid buying and selling parties to use the privacy of the network to trade in a false identity, and can prevent A pseudo-name transaction occurs, and the network security pay-as-you system can reduce disputes on transactions.
  • Background technique
  • the industry has developed a variety of different network transaction security devices, cargo delivery control processes and gold flow methods, such as Taiwan province, China Bulletin No. 1254230 is an instant messaging auction system, announcement number 1229278 is A computer transaction method and an item transaction processing system, the announcement number 1 321760 is an internet e-commerce, an auction transaction confirmation method and calculation, and the announcement number 1322386 is a remote execution in an open communication network.
  • the method for transaction security, bulletin number 1309392 is a network payment method and system, and the announcement M329213 is a network auction institution with credit control function and announcement M361066 is a commodity payment and distribution device for network transactions;
  • the aforementioned network transaction system or method can only use the network or telephone for simple identity confirmation or credit control, but it is difficult to prevent the fraudster from trading under a pseudonym, holding another account or trading in defective goods or fake goods. Once the buyer pays in the name of another person or the seller does not ship according to the agreement, it may cause transaction disputes and seriously affect the security of the transaction. Therefore, there are still many shortcomings in the application of the prior art. In other words, the existing online trading system cannot meet the actual needs of improving transaction security, so further improvements are needed.
  • the object of the present invention is to provide a network security pay-as-you-go system for pre-confirming the identity of buyers and sellers, in order to prevent fraudsters from trading in other countries, holding accounts of others, or conducting online transactions with defective products, goods, etc., to reduce Possible network transaction disputes, thereby improving the security of online transactions.
  • the network security pay-as-you-go system capable of achieving the above object includes: at least one transaction platform unit managed by the network transaction construction end, at least one buyer-managed buyer and at least one seller The management of the seller's processing end;
  • the trading platform unit is used for the buyer or the seller to apply for membership, and the seller can issue at least one selling message and the buyer to search for the selling message to form a shopping message, and can be combined to form a transaction message, and the network transaction construction end And in the entity financial institution, a pre-application for a physical account, the entity account and the transaction platform unit can form a transaction entity account according to each transaction message;
  • the buyer processing end is used to connect with the trading platform unit on the smart grid or the network, and the buyer can apply to become a member through the buyer processing unit to the trading platform unit, and the buyer applies for the same identification as the member account in the entity financial institution.
  • the buyer's bank account of the account, and the buyer and the buyer's processing unit apply to the trading platform unit as a member, and simultaneously log in the same account with the buyer's bank account in the trading platform unit; the seller processing terminal, used with the trading platform unit
  • the smart grid or network is connected, and the seller can apply to become a member through the seller processing unit to the trading platform unit, and the seller applies for the seller bank account with the same identification account as the member account in the entity financial institution, and the seller is using
  • the seller processing party applies to the trading platform unit as a member, the same identity account with the seller's bank account is simultaneously registered in the trading platform unit.
  • the network transaction of the present invention can confirm the identity of both the buyer and the seller in advance when the buyer and the seller open the account in the entity financial institution, and pay in advance to the online transaction when the buyer purchases the purchase.
  • the platform, and after confirming the completion of the transaction, the online trading platform will pay the seller to reduce the false transactions and transaction disputes, and effectively improve the security of the network transactions.
  • FIG. 1 is a block diagram showing the architecture of a network security pay-as-you-go system according to the present invention for explaining the relative relationship of the components of the present invention
  • FIG. 2 is a block diagram showing the architecture of the network security payment system of the present invention in which the buyer and the seller complete the transaction in actual operation;
  • FIG. 3 is a block diagram showing the unqualified buyer acceptance in the actual operation of the network security pay-as-you-go system architecture of the present invention.
  • the buyer's buyer's processing terminal notifies the trading platform unit; 409- retains the money temporarily stored in the entity account in the entity account of the trading platform unit; 409A-the buyer indicates in the notice that it continues to wait for the shipment, then the trading platform
  • the unit passes the new processing period of the seller processing terminal; the 410-transaction platform unit sends a message to cancel the transaction to the buyer and seller processing terminals.
  • the network security pay-as-you-go system mainly includes a transaction platform unit managed by a network transaction construction terminal, at least one buyer-managed processor 2 managed by the buyer, and at least one vendor-managed seller. End 3;
  • the trading platform unit 1 has a background managed by the network transaction construction end, and each buyer or each seller applies for membership in advance, and at least one seller can issue at least one seller to sell the sales information of one auction product, and at least the buyer Searching for the sales message forms a shopping message, and is used to match the seller's sales message and the buyer's shopping message to complete the transaction, and form a transaction message, and the network transaction construction end and the entity financial institution pre-apply for a physical account 15 (or pre-apply for a physical account 15 in an entity financial institution of a different unit), the entity account 15 may be formed by the trading platform unit 1 according to each transaction message to form a transaction entity account for the payment control of the transaction;
  • the buyer processing terminal 2 has the function of connecting with the aforementioned trading platform unit 1 by smart grid or network, and the buyer needs to apply to the trading platform unit 1 as a member through the buyer processing terminal 2 in advance, for the buyer to use the buyer processing terminal 2 as the member account.
  • Log in to the trading platform unit 1 to log personal identification information and issue search for sales information and shopping messages, etc., and the buyer also applies in advance to the entity financial institution for the buyer's bank account 25 having the same identification account as the member account, and the buyer is using the buyer.
  • the processing terminal 2 applies to the trading platform unit 1 as a member, the same identification account of the same buyer's bank account 25 is simultaneously registered in the trading platform unit 1 for the payment and payment control of the transaction, and the trading platform unit 1 can utilize the entity financial The institution's account opening operation to check whether the buyer is abnormal, or to confirm the authenticity of the buyer's identity by the entity financial institution controlling the buyer's account risk;
  • the seller processing terminal 3 has the function of connecting with the aforementioned trading platform unit 1 by smart grid or network, and the seller needs to apply to the trading platform unit 1 as a member through the seller processing terminal 3 in advance, for the seller to use the seller.
  • the client 3 logs in personal identification information and issues a sales message to the trading platform unit 1, and the seller also applies in advance to the seller's bank account 35 having the same identification account as the member account in the entity financial institution, and the seller processes the seller.
  • the terminal 3 applies to the trading platform unit 1 as a member, the identification account of the same seller bank account 35 is simultaneously recorded in the trading platform unit 1 for the payment control of the transaction, and the trading platform unit 1 can utilize the entity financial institution.
  • Account opening operation to check whether the seller is abnormal, or to confirm the authenticity of the seller's identity by the entity financial institution controlling the risk of the seller's account; thereby, the group constitutes a network security payment that can effectively confirm the identity of the buyer and the seller and reduce the transaction dispute. system.
  • the operation of completing the transaction between the buyer and the seller after the seller issues the sales information through the seller processing terminal 3 on the trading platform unit 1 provided by the network transaction construction terminal ( In step 201), the buyer can use the buyer processing terminal 2 to search for the aforementioned sales information on the trading platform unit 1, and when the buyer has the willingness to buy, submit the shopping message to the trading platform unit 1 through the buyer processing terminal 2 (step 202).
  • the seller 3 is processed, and at this time, the trading platform unit 1 generates a selection message for the seller processing terminal 3.
  • the trading platform unit 1 forms a transaction completion message (for example, the seller processing terminal cancels Transaction, the trading platform unit 1 will form a cancellation message), and will be sent to the buyer and seller sides of the buyer and seller 2, the seller processing terminal 3 (step 203), and at the buyer processing terminal 2 display payment to the trading platform unit 1 a payment message for its physical account (step 203A), and the buyer, as directed by the buyer's processing terminal 2, will be required by the pre-registered buyer's bank account 25
  • the item is transferred to the entity account 15 of the trading platform unit 1 (step 204), and the trading platform unit 1 sends a payment notification after confirming that the remitted money is actually from the buyer's bank account 25 of the same identification account as the buyer.
  • the buyer delivers the information to the seller processing terminal 3 (step 205), and the seller ships to the buyer according to the instruction, and delivers the shipping notification message to the trading platform unit 1 through the seller processing terminal 3 (step 206), after which the platform unit 1 is traded.
  • the shipped notification message is delivered to the buyer processing terminal 2 (step 207), and after receiving the goods and the acceptance is passed, the buyer notifies the trading platform unit 1 through the buyer processing terminal 2 (step 208), the trading platform unit 1 is After receiving the buyer's arrival notification message, the payment is delivered to the seller's bank account 35 of the same identification account that the seller has previously logged in through the entity account 15 (step 209), and after the seller confirms the payment, the seller processes the notification through the seller.
  • Trading platform unit 1 (step 210), and finally the transaction platform unit 1 sends a message to complete the transaction to the buyer, seller processing terminals 2, 3 (step 211) );
  • both the buyer and the seller can open an account in the entity financial institution through the purchase and seller bank accounts 25, 35, and the identity is confirmed by the entity financial institution, and since both the buyer and the seller are in the login transaction platform unit 1
  • the same identification account is required, so that the identity of both the buyer and the seller can be effectively confirmed, and the phenomenon of the pseudonym transaction can be reduced.
  • both the buyer and the seller have confirmed the identity when they open the account in the buyer and the seller's bank account 25, 35, they can also effectively prevent the situation of trading with others' accounts. Health.
  • the responsibility of each process is clearly and clarified. Once a dispute arises in the transaction, the network transaction construction end can quickly help to clarify the responsibilities of both the buyer and the seller, and can complete the transaction or refund the money as soon as possible, return the goods, and greatly improve the network. The security of the transaction.
  • the seller processing terminal 3 submits the cancellation transaction notification to the trading platform unit 1, or the seller fails to reply within the time specified in the selection message.
  • the trading platform unit 1 determines that the transaction is cancelled, and the trading platform unit 1 sends a message to the buyer and seller processing terminals 2, 3 to complete the cancellation of the seller.
  • the trading platform unit 1 is notified by the buyer's processing terminal 2 (step 408).
  • the transaction platform unit 1 receives the timed arrival notification message of the buyer, the transaction notification message is notified to the seller processing terminal 3 by the trading platform unit 1, the seller processes and responds to the trading platform unit 1 If the buyer fails to arrive at the time when the timeout is not received, the buyer may indicate the cancellation of the transaction at the time of the foregoing step 408, and the transaction platform unit 1 immediately reserves the money temporarily stored in the entity account 15 in the entity account of the trading platform unit 1.
  • the transaction platform unit 1 sends a message to cancel the transaction to the buyer, seller processing terminals 2, 3 (step 410). If the buyer indicates that the shipment is continued while waiting for the notification in step 408, the trading platform unit 1 passes the new processing period of the seller processing terminal 3 (step 409A), after the buyer receives the goods and completes the acceptance, Then, as shown in FIG.
  • the buyer's processing terminal 2 notifies the trading platform unit 1 (step 208), after the trading platform unit 1 receives the buyer's arrival notification message, the trading platform unit 1 passes the entity account number 15, Depositing the buyer's bank account 25 into the physical account 15 and submitting the payment to the seller's bank account 35 of the same identification account that the seller has previously logged in (step 209), and after confirming the payment, the seller notifies the trading platform unit 1 through the seller processing terminal 3 ( Step 210), finally, the transaction platform unit 1 sends a message to complete the transaction to the buyer, seller processing terminals 2, 3 (step 211);
  • the buyer may indicate the cancellation transaction when notified in the foregoing step 408, and the media transaction construction terminal of the trading platform unit 1 performs mediation, if both parties agree to cancel the transaction or cancel the transaction by the referee.
  • the transaction platform unit 1 returns the money temporarily stored in the entity account 15 to the same buyer bank account 25 remitted by the buyer (step 409), and the transaction platform unit 1 sends a cancellation to the buyer and seller processing terminals 2, 3.
  • the message of the transaction step 410).
  • the trading platform unit 1 passes the new processing period of the seller processing terminal 3 (step 409A), and the buyer receives the goods and completes the acceptance. Thereafter, as shown in FIG. 2, the transaction platform unit 1 is notified by the buyer's processing terminal 2 (step 208), and the transaction platform unit 1 submits the payment to the seller through the entity account 15 after receiving the buyer's arrival notification message. Advance The seller's bank account 35 of the same identification account is logged in (step 209), and after confirming the payment, the seller notifies the trading platform unit 1 through the seller processing terminal 3 (step 210), and finally the transaction platform unit 1 processes the buyer and the seller.
  • the end 2, 3 sends a message to complete the transaction (step 21 1); or is mediated by the network transaction construction end of the trading platform unit 1, if the two parties agree to continue the transaction or the transaction needs to be completed by the referee, as shown in FIG. And submitting the payment to the seller bank account 35 of the same identification account that the seller has previously logged in through the entity account 15 (step 209), and after confirming the payment, the seller notifies the transaction platform unit 1 through the seller processing terminal 3 (step 210), Finally, the transaction platform unit 1 sends a message to complete the transaction to the buyer, seller processing terminals 2, 3 (step 21 1).

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Description

网络安全随付系统 技术领域
本发明涉及一种网络安全随付系统， 特别是指一种可确认身份及确认交易安全 的网络安全随付系统， 以避免买、 卖双方利用网络的隐密性以假身份交易， 且能防 止假名交易的发生， 并可以减少交易上的纠纷的网络安全随付系统。 背景技术
近年来受到网络科技发展迅速、 且应用普及的影响， 使网络购物成为现代人消 费管道之一， 各种拍卖、 网售的网站也随之兴起， 在传统的网络购物的网站技术中， 并无法提供一个完整安全有保障的交易平台，许多诈骗行为发生， 如： 买方已付款、 却收不到物品， 或者卖方已寄出货品、 欲收不到款项， 又或卖方以不实的广告欺骗 买方， 甚至可能以他人名义或信用卡资料做假买卖， 又或因买、 卖方登录资料不完 整， 使网络交易平台的管理者无法管制， 造成在拍卖或购物网站上的交易存在有较 大的风险性。
为了解决这些网络交易的风险， 业者开发有各种不同的网络交易安全装置、 货 物寄送管控流程与金流方式等， 如中国台湾省公告号 1254230是一种即时通讯拍卖 系统、 公告号 1229278是一种利用电脑的物品交易方法及物品仲介交易处理系统、 公告号 1 321760是一种网际网络电子商务、 拍卖交易确认方法与计算、 公告号 1322386是一种于开放通讯网络中使远端执行的交易安全化的方法、公告号 1309392 是一种网络付款方法及系统、公告第 M329213是一种具信用管制功能的网络拍卖机 构及公告第 M361066是一种网络交易的商品付款及配送装置等等；
但前述的网络交易系统或方法， 通能仅能利用网络或电话进行简单的身份确认 或信用管制， 但难以防患诈骗者以假名交易、 持他人帐户或以不良品、 假货交易的 现象， 一但买方以他人名义付款或卖方未依约定出货时， 即可能造成交易纠纷， 严 重影响的交易的安全， 所以在现有技术的应用中， 仍存在多项的缺失。 换言之， 现 有网络交易系统并无法满足提升交易安全的实际需求， 因此有待进一步的改良。
本案创作人鉴于上述现有网络安全随付系统所衍生的各项缺点， 乃亟思加以改 良创新，并经多年苦心孤诣潜心研究后，终于成功研发完成本件网络安全随付系统。 发明内容 本发明的目的即在于提供一种预先确认买卖双方身份的网络安全随付系统， 以 防患诈骗者以 ^^名交易、 持他人帐户或以不良品、 4叚货等进行网络交易， 以减少可 能发生的网络交易纠纷， 进而提高网络交易的安全性。
与现有技术相比， 可达成上述发明目的的网络安全随付系统， 包括有： 其至少包含有一网络交易建构端所管理的交易平台单元、 至少一买方所管理的 买方处理端及至少一卖方所管理的卖方处理端所组成；
交易平台单元， 用于供买方或卖方申请为会员， 并供卖方发布至少一贩售讯息 与供买方搜寻贩售讯息后形成一购物讯息， 且可进行撮合形成一交易讯息， 且网络 交易建构端并于实体金融机构中预先申请有一实体帐号， 该实体帐号并可由交易平 台单元依各交易讯息形成一交易的实体帐号；
买方处理端， 用于与交易平台单元以智能电网或网络进行连线， 且买方可通过 买方处理端向交易平台单元申请成为会员， 又买方并于实体金融机构中申请有与会 员帐号相同身份识别帐户的买方银行帐户， 且买方并在利用买方处理端向交易平台 单元申请为会员时， 同时登录同买方银行帐户的身份识别帐户于交易平台单元内； 卖方处理端， 用于与交易平台单元以智能电网或网络进行连线， 且卖方可通过 卖方处理端向交易平台单元申请成为会员， 又卖方并于实体金融机构中申请有与会 员帐号相同身份识别帐户的卖方银行帐户， 且卖方并在利用卖方处理端向交易平台 单元申请为会员时， 同时登录同卖方银行帐户的身份识别帐户于交易平台单元内。
藉此， 通过前述技术手段的具体实现， 使本发明的网絡交易可通过买卖双方在 实体金融机构在开立帐户时， 事先确认买、 卖双方的身份， 且在买方采买时预先付 款给网络交易平台， 并在确认完成交易后， 再由网络交易平台付款给卖方， 以达到 减少假交易及交易纠纷的目的， 而有效的提高网络交易的安全。 附图说明
图 1为本发明网络安全随付系统架构的方块示意图， 供说明本发明各装置组成 的相对关系；
图 2为本发明网络安全随付系统架构于实际操作中买卖双方完成交易的方块示 意图；
图 3为本发明网络安全随付系统架构于实际操作中买方验收不合格的方块示意 图。
附图标记说明： 1-交易平台单元； 15-实体帐号； 2-买方处理端； 25-买方银行帐 户； 3-卖方处理端； 35-卖方银行帐户； 201-卖方发布贩售讯息； 202-买方递交购物 讯息； 203-交易完成讯息； 203A-实体帐号的付款讯息； 204-将所需款项转汇至该交 易平台单元的实体帐号内； 205-发出收款通知及买方交货资料给卖方处理端； 206- 递交出货通知讯息； 207-出货通知讯息传递； 210-卖方在确认收受款项后， 通过卖 方处理端通知交易平台单元； 211-买、 卖方处理端发送完成交易的讯息； 408-买方 在收到货物验收不合格或逾时未收到货时， 即注明原因、 且通过买方的买方处理端 通知交易平台单元； 409-将暂存于实体帐号内的款项先行保留于该交易平台单元的 实体帐户内； 409A-买方在通知时注明继续等待出货时， 则交易平台单元即通过卖 方处理端新的出货期限； 410-交易平台单元向买、 卖方处理端发送取消交易的讯息。 具体实施方式
请参阅图 1， 本发明所提供的网络安全随付系统， 主要包括有一网络交易建构 端所管理的交易平台单元 1、 至少一买方所管理的买方处理端 2及至少一卖方所管 理的卖方处理端 3所组成；
该交易平台单元 1具有由网络交易建构端所管理的后台， 供各买方或各卖方事 先申请为会员， 且可供至少一卖方发布至少贩售一拍卖产品的贩售讯息， 同时供至 少 ―买方搜寻贩售讯息后形成一购物讯息， 并用于撮合卖方的贩售讯息及买方的购 物讯息以达成交易， 而形成一交易讯息， 且网络交易建构端并于实体金融机构中预 先申请有一实体帐号 15(或于不同单位的实体金融机构中预先申请有一实体帐号 15)， 该实体帐号 15并可由交易平台单元 1依各交易讯息形成一交易的实体帐号， 供进行交易的款项收付控管；
该买方处理端 2具有与前述交易平台单元 1以智能电网或网络连线的功能， 且 买方需事先通过买方处理端 2向交易平台单元 1申请成为会员， 供买方利用买方处 理端 2以会员帐号向交易平台单元 1登入个人身份资讯及发出搜寻贩售讯息与购物 讯息等， 又买方并于实体金融机构中预先申请有与会员帐号相同身份识别帐户的买 方银行帐户 25 , 且买方并在利用买方处理端 2向交易平台单元 1申请为会员时， 同 时登录相同买方银行帐户 25的身份识别帐户于交易平台单元 1内， 供进行交易的 款项收付控管， 该交易平台单元 1可利用实体金融机构的开户作业来审核买方是否 有异常， 或以实体金融机构控管买方帐户风险而预先确认买方身份的真实性；
该卖方处理端 3具有与前述交易平台单元 1以智能电网或网络连线的功能， 且 卖方需事先通过卖方处理端 3向交易平台单元 1申请成为会员， 供卖方利用卖方处 理端 3向交易平台单元 1登入个人身份资讯及发出贩售讯息等， 又卖方并于实体金 融机构中预先申请有与会员帐号相同身份识别帐户的卖方银行帐户 35，且卖方并在 利用卖方处理端 3向交易平台单元 1申请为会员时， 同时 录相同卖方银行帐户 35 的身份识别帐户于交易平台单元 1 内， 供进行交易的款项收付控管， 该交易平台单 元 1可利用实体金融机构的开户作业来审核卖方是否有异常， 或以实体金融机构控 管卖方帐户风险而预先确认卖方身份的真实； 藉此， 组构成一可有效确认买卖双方 身份、 且减少交易纠纷的网络安全随付系统。
而关于本发明的实际运用， 在买、 卖双方完成交易的操作， 如图 2所显示， 当 卖方通过卖方处理端 3于网络交易建构端所提供的交易平台单元 1上发布贩售讯息 后 (步骤 201),买方可利用买方处理端 2于该交易平台单元 1搜寻到前述的贩售讯息， 且其有釆买意愿时则通过买方处理端 2向交易平台单元 1递交购物讯息 (步骤 202) 给卖方处理端 3 , 此时， 该交易平台单元 1会对卖方处理端 3产生一选择讯息， 如 卖方处理端 3接受交易，该交易平台单元 1会形成一交易完成讯息 (如卖方处理端取 消交易， 该交易平台单元 1会形成一取消讯息)， 且发送给买、 卖双方的买方处理端 2、 卖方处理端 3(步骤 203)， 同时于买方处理端 2显示付款于该交易平台单元 1其 实体帐号的付款讯息 (步骤 203A), 且买方并依指示通过买方处理端 2由预先登录的 买方银行帐户 25将所需款项转汇至该交易平台单元 1的实体帐号 15内（步骤 204)， 交易平台单元 1在确认汇入的款项确实来自与买方同一身份识别帐户的买方银行帐 户 25后， 并发出收款通知及买方交货资料给卖方处理端 3(步骤 205), 卖方并依指 示出货给买方，且通过卖方处理端 3向交易平台单元 1递交出货通知讯息 (步骤 206)， 之后交易平台单元 1并将已出货通知讯息传递给买方处理端 2(步骤 207), 且买方在 收到货、 且验收合格后， 通过买方处理端 2通知交易平台单元 1(步骤 208), 该交易 平台单元 1在收受买方的到货通知讯息后， 即通过实体帐号 15将款项递交至卖方 预先登录的同一身份识别帐户的卖方银行帐户 35(步骤 209), 且卖方在确认收受款 项后， 通过卖方处理端 3通知交易平台单元 1(步骤 210)， 最后由交易平台单元 1向 买、 卖方处理端 2、 3发送完成交易的讯息 (步骤 211);
通过上述的操作流程， 买、 卖双方可通过买、 卖方银行帐户 25、 35于实体金 融机构中开立帐户， 由实体金融机构进行身份确认， 且由于买、 卖双方在登入交易 平台单元 1成为会员时， 需使用同一身份识别帐户， 故可使买、 卖双方的身份获得 有效的确认， 减少假名交易的现象。 再者由于买、 卖双方在买、 卖方银行帐户 25、 35开立帐户时， 已进行身份确认， 也可以有效地防患以他人帐户进行交易的状况发 生。 同时每一流程的责任归属清楚、 明确， 一旦交易有纠纷产生时， 网络交易建构 端可迅速协助厘清买、 卖双方的责任， 而能尽速完成交易或退还款项、 退还货物， 大幅提升了网络交易的安全性。
再者本发明于实际运用中如遇到卖方取消交易或逾时未确认时， 该卖方处理端 3会向交易平台单元 1递交取消交易通知， 又或卖方逾时未于选择讯息规定时间内 回复时， 交易平台单元 1即判定为取消交易， 并由交易平台单元 1向买、 卖方处理 端 2、 3发送完成卖方取消交易的讯息。
另如当遇到买方在收到货物验收不合格或逾时未收到货时， 其如图 3所显示， 即注明原因、 且通过买方的买方处理端 2通知交易平台单元 1(步骤 408), 该交易平 台单元 1在收受买方的逾时未到货通知讯息后， 即将此一未到货通知讯息由交易平 台单元 1通知卖方处理端 3， 则卖方进行处理、 并回复交易平台单元 1 , 其中如为 逾时未到货， 则买方可在前述步骤 408通知时注明取消交易， 则交易平台单元 1即 将暂存于实体帐号 15内的款项先行保留于该交易平台单元 1的实体帐户 15内（步骤 409), 且由交易平台单元 1向买、 卖方处理端 2、 3发送取消交易的讯息 (步骤 410)。 又如买方在前述步骤 408通知时注明继续等待出货时， 则交易平台单元 1即通过卖 方处理端 3新的出货期限 (步骤 409A), 待买方在收到货、 且完成验收后， 则如图 2 所示， 通过买方的买方处理端 2通知交易平台单元 1(步骤 208), 该交易平台单元 1 在收受买方的到货通知讯息后， 该交易平台单元 1即通过实体帐号 15 , 将买方银行 帐户 25存入实体帐号 15款项递交至卖方预先登录的同一身份识别帐户的卖方银行 帐户 35(步骤 209), 且卖方在确认收受款项后， 通过卖方处理端 3通知交易平台单 元 1(步骤 210), 最后由交易平台单元 1向买、 卖方处理端 2、 3发送完成交易的讯 息 (步骤 211);
再者， 如属于验收不合格的状况， 则买方可在前述步骤 408通知时注明取消交 易， 并由交易平台单元 1的网络交易建构端进行调处， 如双方同意取消交易或经裁 判需取消交易时， 则交易平台单元 1即将暂存于实体帐号 15内的款项退回买方汇 出的同一买方银行帐户 25内（步骤 409)， 且由交易平台单元 1向买、 卖方处理端 2、 3发送取消交易的讯息 (步骤 410)。
如双方同意换货， 买方可在前述步骤 408通知时注明换货， 则交易平台单元 1 即通过卖方处理端 3新的出货期限 (步骤 409A), 待买方在收到货、 且完成验收后， 如图 2所示， 通过买方的买方处理端 2通知交易平台单元 1(步骤 208)， 该交易平台 单元 1在收受买方的到货通知讯息后， 即通过实体帐号 15将款项递交至卖方预先 登录的同一身份识别帐户的卖方银行帐户 35(步骤 209)， 且卖方在确认收受款项后， 通过卖方处理端 3通知交易平台单元 1(步骤 210), 最后由交易平台单元 1向买、 卖 方处理端 2、 3发送完成交易的讯息 (步骤 21 1); 又或由交易平台单元 1的网络交易 建构端进行调处，如双方同意继续完成交易或经裁判需完成交易时，则如图 2所示， 通过实体帐号 15将款项递交至卖方预先登录的同一身份识别帐户的卖方银行帐户 35(步骤 209),且卖方在确认收受款项后，通过卖方处理端 3通知交易平台单元 1(步 骤 210)， 最后由交易平台单元 1向买、 卖方处理端 2、 3发送完成交易的讯息 (步骤 21 1)。
以上说明对本发明而言只是说明性的， 而非限制性的， 本领域普通技术人员理 解， 在不脱离以下所附权利要求所限定的精神和范围的情况下， 可做出许多修改， 变化， 或等效， 但都将落入本发明的保护范围内。

Claims

权利要求
1、 一种网络安全随付系统， 其特征在于， 包括：
一交易平台单元， 用于供买方或卖方申请为会员， 并供卖方发布至少一贩售讯 息与供买方搜寻贩售讯息后形成一购物讯息， 且进行撮合形成一交易讯息；
至少一买方处理端， 用于与交易平台单元以智能电网或网络进行连线， 且买方 通过买方处理端向交易平台单元申请成为会员， 又买方并于实体金融机构中申请有 与会员帐号相同身份识别帐户的买方银行帐户， 且买方向交易平台单元申请的会员 帐号， 能登录相同买方银行帐户的身份识别帐户于交易平台单元内；
至少一卖方处理端， 用于与交易平台单元以智能电网或网络进行连线， 且卖方 通过卖方处理端向交易平台单元申请成为会员， 又卖方并于实体金融机构中申请有 与会员帐号相同身份识别帐户的卖方银行帐户， 且卖方向交易平台单元申请的会员 帐号， 能登录相同卖方银行帐户的身份识别帐户于交易平台单元内。
2、 如权利要求 1所述的网络安全随付系统， 其特征在于， 该交易平台单元具 有一由网络交易建构端所管理的后台， 且网络交易建构端并于实体金融机构中预先 申请有一实体帐号， 该实体帐号并由交易平台单元依各交易讯息形成一交易的实体 帐号。
3、 如权利要求 1所述的网络安全随付系统， 其特征在于， 该交易平台单元更 包含一购物讯息， 为该买方处理端于该交易平台单元搜寻到贩售讯息， 且有采买意 愿时则通过买方处理端向交易平台单元递交购物讯息给卖方处理端， 如卖方处理端 接受交易， 该交易平台单元形成一交易完成讯息， 会发送给买方处理端、 卖方处理 端， 同时于买方处理端显示付款于该交易平台单元的实体帐号的付款讯息， 且买方 并依指示通过买方处理端由预先登录的买方银行帐户将所需款项转汇至该交易平 台单元的实体帐号内。
4、 如权利要求 1所述的网络安全随付系统， 其特征在于， 该交易平台单元利 用实体金融机构的开户作业来审核买方、 卖方是否有异常， 或以实体金融机构控管 买方、 卖方帐户风险而预先确认买方、 卖方身份的真实性。
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EP2602753A1 (en) 2013-06-12
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CA2807449A1 (en) 2012-02-09
JP2013532875A (ja) 2013-08-19

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