201126439 六、發明說明： 【發明所屬之技術領域】 本發明係關於一種金融消費處理方法，特別關於一種 以網路為媒介之金融消費處理方法。 【先前技術】 網路拍賣或網路商店是透過網路而提供消費者購物 的管道，相較於以往傳統的實體店家，消費者可以不受時 間地點限制，只要有能夠瀏覽網頁的設備，即可鏈結至線 上拍賣網站進行購物。 ***付款是線上拍賣網站常見的貨品收費形式，消 費者在線上拍賣網站指定購買的貨品之後，填入個人資料 及***資料即可完成付款來購買線上展示的商品。 為了確保網路交易的安全，目前常見的電子交易安全 技術有：網路資料傳輸的安全協定（Secure Socket Layer Protocol，SSL )以及安全電子交易（Secure Electronic Transactions，SET )。 然而，不論***是透過網路資料傳輸的安全協定或 安全電子交易在網路上進行電子交易，或是以更先進的加 密技術處理，***資料仍有可能被盜用。另外，線上信 用卡的電子交易缺乏實體的認證機制，一切的交易活動都 在網路上進行，這也增加了線上刷卡的風險。 因此，如何提供一種能夠提高交易安全性的網路金融 消費處理方法以及金融服務裝置，已成為重要課題之一。 201126439 【發明内容】 ^鑑於上賴題，本發明之目的為提供—種 父易女全性的網路金融消費處 问 費處理裝置。 胃處理方法及二維條碼金融消 =本發日狀-種網路絲❹處理 ::中顯示至少-商品選擇介面;於至少一商二 消蝥不器中顯示具有至少—二維條碼傳送選項之一 1維條:於二維條碼傳送選項被選定後輸出- 至外邱'的Ί:維條碼圖案係依據-通訊指向資料傳送 主外°卩的—特定行動裝置。 =金融消費處理方法可更包含在顯示器中顯示一 育料輸入介面’其中通訊指向資料係輪入於該通 料輸入介面。舉例來說，通訊指向資料輸入介面 於至>、一商品被選定後顯示於顯示器中。 另、外，通訊指向資料係儲存於-資料庫。舉例來說， 至夕商°°被遠定前通訊指向資料係已經儲存於資料 厚。 牲」寺疋仃動裝置係例如是行動電話，通訊指向資料包含 姑疋仃動裝置的電話號碼，因此，二維條碼圖案係能夠直 接傳送到消費者的行動電話。 另外’網路金融消費處理方法更包含對通訊指向 進行認證。 、 另外’網路金融消費處理方法更包含在顯示器中顯示 201126439 至少一匯率轉換介， 轉換介y，、中二維條碼®案係包含經由匯率 牦换面顯不的一付款金額資料。 二維條仙含匯率轉換後的付款 通訊指向資料傳送至特定的行動裝置，例如傳送至 =路金《消費處理方法可以提供消費者 可跨國的消費機制。 傾文王 。被面二網路金融消費處理方法更包含於至少-商 二二 示器中顯示—較帳號資料輸入介面， 其中一維條碼圖幸作；白人々-i 輸入之一約定帳經由約定帳號資料輸入介面所 是消Γ:二1定帳號資料包含-約定帳號，約定帳號 後二、欠到包含約定帳號資料的二維條碼圖案 處理使用$個二維條碼圖案至二維條碼金融消費 處理裝置來完成消費付款。 條碼圖案可包含約定帳號#料以及匯率轉換後 的付放金額資料，其係曼 付款憑證。 巧㈣便*全、可跨國的 ί條碼圖案係可作為—二維條碼金融消費帳單。二 項广、、运選項係為—傳送二維條瑪金融消費帳單之選 舉例來說，二維條媽圖案包含被選^商品的交易資 ，交易資料係例如是付款金額資料或收款帳號資料；另 ，一維條碼圖案也可以包含前述的約定帳號資料。 201126439 另外，二維條碼圖案亦可作為一二維條碼電子票券， 二維條碼傳送選項係為一傳送二維條碼電子票券之選項。 舉例來說，二維條碼電子票券係可直接傳送至消費者 的行動裝置，藉此可省去物流所需之時間與金錢。二維條 碼電子票券亦可加密，藉此可防止有心人士仿造，提高票 券的安全性。 - 另一方面，於二維條碼傳送選項被選定後，網路金融 消費處理方法可輸出一作為金融消費帳單之二維條碼圖 • 案及一作為電子票券之二維條碼圖案，這二個二維條碼圖 案係依據通訊指向資料傳送至外部的特定行動裝置。 : 另外，二維條碼圖案係經加密之圖案，藉此確保傳輸 ： 安全，同時也避免濫發防止仿冒。 另外，二維條碼圖案係可為僅供特定二維條碼消費金 融處理裝置所讀取之條碼，藉以防止有心人士冒名發送。 商品選擇介面與消費確認介面係經由一網際網路或 經由一内部網路傳輸。 顯示器係為一自動櫃員機之顯示器、二維條碼金融消 . 費處理裝置之顯示器、或一電腦之顯示器、或一行動裝置 之顯示器。 承上所述，因依據本發明之一種網路金融消費處理方 法係將可作為帳單或票券之二維條碼傳送至特定行動裝 置，消費者可以持二維條碼至二維條碼金融消費處理裝置 付款，因此，消費者就可以不需要在網路上使用***， 如此一來，網路交易的安全性便能夠大大地提升。 201126439 依據本發明之—_ ^^f ^ ^ ^ ^ t 4 .1 f. 1 ^ - 通訊單元、一用、包括一金融卡讀取單元、-—維條碼讀取單元、一 __ 處理單元。金融卡讀取單元係讀取一以及-貧料 融卡，進而產生一存取 ^身/刀識別用之金 金融帳戶資料庫鏈結.二，早以糸依據存取信號與 碼圖案而產生-消費資;；、准=!!取單元係讀取一二維條 費資訊；資料處理單n/不早凡係至少顯示部分之消 金融帳戶資料庫進行資料更新。工依㈣費貝麟 二維條碼圖案係顯示於一 張。舉例來說，行動^動褒置或印刷於一紙 (PDA)o X置係仃動電話或個人數位助理 金融卡係提款卡、***、或現金卡。 消費資訊包括一消費金額。 -消議。另外，购:也=价貧訊可更包括 /或一消費内容。 …可以更包括一收款帳號及 生、、肖二祕碼讀取單元係可讀取二維條碼圖案而產 岣費貧汛及約定付款帳號資料。 理之—種二維條碼金融消費處 m夠處理二維條碼帳單’藉以提供消 款的機制。對於網路消費來說、 付 路上使_用卡，如& t ^者就可以不需要在網 大地提升此—來，網路交易的安全性便能夠大 201126439 【實施方式】 以下將參照相關圖式，說明依本發明較佳實施例之一 網路金融消費處理方法及二維條碼金融消費處理裝置，其 中相同的元件將以相同的參照符號加以說明。 二維條碼圖案係由點狀或條狀圖形組成的圖案。二維 - 條碼圖案係能表示文字、圖形、聲音等資訊，相較於傳統 . 一維條碼圖案，二維條碼圖案具有容量較大、可靠性高、 及保密防偽等優點。二維條碼圖案係内含錯誤檢查碼或錯 Φ 誤更正碼，因此，即使是顯示於螢幕的二維條碼圖案具有 瑕疵，藉由錯誤檢查碼或錯誤更正碼可讓讀取裝置能夠得 ： 知二維條碼圖案是否受損，藉由錯誤更正碼更可讓讀取裝 - 置將二維條碼圖案受損的部分還原，因而能夠讀取到二維 條碼圖案内含的完整資訊。 二維條碼圖案的格式可以是快速反應碼（QR-code) 格式或是其他格式之二維條碼圖案。 如圖1所示，網路金融消費處理方法包含步驟S01至 籲步驟S03。 步驟S01係在一顯示器中顯示至少一商品選擇介面。 步驟S02係於至少一商品被選定後，再於顯示器中顯 示具有至少一二維條碼傳送選項之一消費確認介面。 步驟S03係於二維條碼傳送選項被選定後，輸出一二 維條碼圖案，二維條碼圖案係依據一通訊指向資料傳送至 外部的一特定行動裝置。 舉例來說，二維條碼圖案係可作為一二維條碼金融消 201126439 費帳單，二維條碼傳送選項係為一傳送二維條碼金融消費 帳單之選項。消費者可瀏覽顯示器的晝面來挑選商品，選 擇好要買的商品·之後，再選擇傳送二維條碼，然後，特定 行動裝置便會收到二維條碼金融消費帳單。使用者可持行 動裝置至能讀取二維條碼金融消費帳單的機構來付款。 另外，舉例來說，二維條碼圖案亦可作為一二維條碼 電子票券，二維條碼傳送選項係為一傳送二維條碼電子票 券之選項。消費者可瀏覽顯示器的晝面來挑選商品，在此 所指之商品係例如是表演節目、交通運輸班次、住宿服務 等等。消費者選好商品並選擇傳送二維條碼後，特定行動 裝置便會收到二維條碼金融消費帳單。甚至，消費者可使 用特定行動裝置來購買票券與接收票券。 特定行動裝置係例如是行動電話、或個人數位助理、 或具備用戶識別模組（Subscriber Identity Module，SIM ) 卡能夠通話之行動裝置，通訊指向資料包含特定行動裝置 的電話號碼，因此，二維條碼圖案係能夠直接傳送到消費 者的行動裝置。 消費者的行動裝置具有顯示二維條碼圖案之能力，顯 示於行動裝置之一顯示器的二維條碼圖案可供二維條碼 金融消費處理裝置讀取與處理，二維條碼金融消費處理裝 置從行動電話之顯示器讀取二維條碼圖案，並將二維條碼 圖案解碼而得到商品的交易資訊，交易資訊係可供消費者 操作二維條碼金融消費處理裝置來付款。 以下將以網路購物與二維條碼金融消費帳單來舉例 10 201126439 說明。 圖2A至圖2C係出示一顯示器丄所顯示的畫面内容。 如圖2A所示，商品選擇介面u係顯示於顯示器】，商品 選擇介面u包含複數個商品棚位U1〜U3,各商品棚: 111〜113係出示待出售商品的品名、單價、計價幣別及講 -買按鈕。另外，商品選擇介面11也可包含連結至圖2B的 另一商品選擇介面12的網路超連結。 如圖2B所示，另一商品選擇介面12係顯示於顯示器 • 1，刀商品選擇介φ 12包含詳細商品資料，例如待出售商: 的知片、品名、細部的描述、單價、計價幣別及蹲買按紐。 …圖2A或圖2B的購買按钮按下之後，即對應的商品係 被選定。如圖2C所示，至少一商品被選定後，顯示器！ 中係顯示具有至少一二維條碼傳送選項⑶之一消費確認 介面13。消費確認介面13包含了商品名稱、數量、單價、 總金額、計價帶別等。當二維條碼傳送選項i3i被選定後， 鲁-二維條碼圖案係會被輸出並依據—通訊指201126439 VI. Description of the Invention: [Technical Field] The present invention relates to a financial consumption processing method, and more particularly to a network-based financial consumption processing method. [Prior Art] Online auctions or online stores provide a conduit for consumers to shop through the Internet. Compared with traditional physical stores, consumers can be free from time and place, as long as they have the ability to browse the web. It can be linked to online auction sites for shopping. Credit card payment is a common form of goods charge for online auction websites. After the online auction site specifies the purchased goods, the consumer can fill in the personal data and credit card information to complete the payment to purchase the goods displayed online. In order to ensure the security of online transactions, the current common electronic transaction security technologies are: Secure Socket Layer Protocol (SSL) and Secure Electronic Transactions (SET). However, credit card data may still be stolen, regardless of whether the credit card is electronically traded over the Internet via a secure protocol for secure data transmission or secure electronic transactions, or by more advanced encryption techniques. In addition, the electronic transaction of online credit cards lacks a physical authentication mechanism, and all trading activities are carried out on the Internet, which also increases the risk of online credit card. Therefore, how to provide a network financial consumption processing method and financial service device that can improve transaction security has become one of the important topics. 201126439 [Summary content] In view of the above problems, the object of the present invention is to provide a kind of online financial consumer service fee processing device. Stomach treatment method and 2D barcode financial elimination = local hair type - kind of network silk thread processing:: at least - product selection interface is displayed; at least one quotation is displayed in at least one - 2 bar code transmission option One of the 1D strips: after the 2D barcode transmission option is selected, the output - to the outer Qiu's: the dimension bar code pattern is based on the - communication to the data transfer main - the specific mobile device. = The financial consumption processing method may further include displaying a feed input interface in the display, wherein the communication pointing data is entered in the communication input interface. For example, the communication is directed to the data input interface to >, and an item is displayed in the display after being selected. In addition, the communication pointing data is stored in the database. For example, the eclipse of the eclipse is determined by the pre-determination of the communication data system that has been stored in the data. The sacred device is, for example, a mobile phone, and the communication pointing data contains the telephone number of the acupressure device. Therefore, the two-dimensional bar code pattern can be directly transmitted to the consumer's mobile phone. In addition, the online financial consumption processing method also includes authentication of communication points. In addition, the 'Internet financial consumption processing method is further included in the display. 201126439 At least one exchange rate conversion, conversion y, and two-dimensional barcode о cases contain a payment amount data displayed via the exchange rate 牦. Two-dimensional strips contain exchange rate-converted payments. The communication points to the data transfer to a specific mobile device, for example, to the road. The consumer processing method can provide consumer-transportable consumption mechanisms. King of the pen. The method of processing the face-to-face network financial consumption is further included in the display of at least the second-two display device. The account data input interface is used, and the one-dimensional bar code map is fortunate; the white one-i input is agreed upon by the agreed account data input interface. What is the elimination: 2 1 account information contains - agreed account number, after the appointment of the account 2, owed to the two-dimensional bar code pattern containing the agreed account information processing using a two-dimensional bar code pattern to the two-dimensional bar code financial consumer processing device to complete the consumption payment. The barcode pattern may include the agreed account number and the amount of the deposit amount after the exchange rate conversion, which is a Mann payment certificate. Qiao (4) will be * full, cross-national ί bar code pattern can be used as - two-dimensional bar code financial consumption bill. The binomial and transportation options are as follows: for the election case of the two-dimensional barma financial consumption bill, the two-dimensional barm pattern contains the transaction capital of the selected item, and the transaction data is, for example, the payment amount data or the receipt. Account data; in addition, the one-dimensional bar code pattern may also include the aforementioned agreed account information. 201126439 In addition, the 2D barcode pattern can also be used as a 2D barcode electronic ticket, and the 2D barcode transmission option is an option to transmit a 2D barcode electronic ticket. For example, a two-dimensional bar code electronic coupon can be transmitted directly to the consumer's mobile device, thereby eliminating the time and money required for logistics. The 2D barcode electronic ticket can also be encrypted, which prevents the intentional person from copying and improves the security of the ticket. - On the other hand, after the 2D barcode transmission option is selected, the online financial consumption processing method can output a 2D barcode image as a financial consumption bill and a 2D barcode pattern as an electronic ticket. The two-dimensional bar code pattern is transmitted to the external specific mobile device according to the communication direction data. : In addition, the 2D barcode pattern is an encrypted pattern to ensure transmission: safety while avoiding spamming to prevent counterfeiting. In addition, the two-dimensional bar code pattern can be a bar code read only by a specific two-dimensional bar code consumption financial processing device, thereby preventing the intentional person from impersonating the bar code. The merchandise selection interface and the consumer confirmation interface are transmitted via an internet or via an internal network. The display is a display of an automated teller machine, a display of a two-dimensional bar code financial device, a display of a computer, or a display of a mobile device. As described above, a method for processing online financial consumption according to the present invention transmits a two-dimensional barcode that can be used as a bill or ticket to a specific mobile device, and the consumer can hold the two-dimensional barcode to the two-dimensional barcode for financial consumption processing. Device payments, so consumers do not need to use credit cards on the Internet, so the security of online transactions can be greatly improved. 201126439 According to the present invention -_ ^^f ^ ^ ^ ^ 4 .1 f. 1 ^ - communication unit, one-purpose, including a financial card reading unit, --dimensional barcode reading unit, a __ processing unit . The financial card reading unit reads one and the poor material melt card, thereby generating a gold financial account database link for access/knife identification. Second, it is generated by the access signal and the code pattern. - Consumption;;, quasi-!! Take the unit to read a two-dimensional fee information; data processing list n / not only at least display part of the financial account database for data update. Workers (4) Fei Beilin The 2D barcode pattern is displayed in one. For example, a mobile device or a digital assistant (PDA) is a mobile phone or a personal digital assistant. A financial card is a cash card, credit card, or cash card. Consumer information includes a spending amount. - Negotiation. In addition, the purchase: also = the price of the news can include more / / a consumer content. ... can include a collection account and a student, and the second secret code reading unit can read the two-dimensional bar code pattern and produce the poor and agreed payment account information. The rationale is a two-dimensional bar code financial consumer's place to handle the two-dimensional bar code bills' to provide a mechanism for the payment. For the sake of network consumption, if you use the card, such as & t ^, you don't need to upgrade this in the network. The security of the network transaction can be as large as 201126439. [Embodiment] The drawings illustrate a method for processing a network financial consumer and a two-dimensional bar code financial consumer processing device according to a preferred embodiment of the present invention, wherein the same elements will be described with the same reference symbols. The two-dimensional barcode pattern is a pattern composed of dots or strip patterns. Two-dimensional - Bar code pattern can represent text, graphics, sound and other information, compared to the traditional. One-dimensional bar code pattern, two-dimensional bar code pattern has the advantages of large capacity, high reliability, and security. The 2D barcode pattern contains an error check code or a wrong Φ error correction code. Therefore, even if the 2D barcode pattern displayed on the screen has flaws, the error check code or the error correction code can be used to enable the reading device to: Whether the two-dimensional bar code pattern is damaged or not, the error correction code allows the reading device to restore the damaged portion of the two-dimensional bar code pattern, thereby reading the complete information contained in the two-dimensional bar code pattern. The format of the two-dimensional barcode pattern may be a QR-code format or a two-dimensional barcode pattern of other formats. As shown in FIG. 1, the network financial consumption processing method includes steps S01 to S03. Step S01 displays at least one merchandise selection interface in a display. Step S02 is to display a consumption confirmation interface having at least one two-dimensional barcode transmission option after the at least one item is selected. Step S03 is to output a two-dimensional bar code pattern after the two-dimensional bar code transmission option is selected, and the two-dimensional bar code pattern is transmitted to a specific mobile device according to a communication direction data. For example, a two-dimensional bar code pattern can be used as a two-dimensional bar code financial cancellation 201126439 fee billing, and a two-dimensional bar code transmission option is an option to transmit a two-dimensional bar code financial consumption bill. Consumers can browse the display to select items, choose the items to buy, and then choose to send the 2D barcode. Then, the specific mobile device will receive the 2D barcode financial consumption bill. The user can hold the device to pay for the institution that can read the 2D barcode financial consumer bill. In addition, for example, the two-dimensional bar code pattern can also be used as a two-dimensional bar code electronic ticket, and the two-dimensional bar code transmission option is an option to transmit a two-dimensional bar code electronic ticket. Consumers can browse the face of the display to select items, such as performances, transportation shifts, accommodation services, and the like. After the consumer selects the product and chooses to transmit the 2D barcode, the specific mobile device will receive the 2D barcode financial consumption bill. Even consumers can use specific mobile devices to purchase tickets and receive tickets. The specific mobile device is, for example, a mobile phone, or a personal digital assistant, or a mobile device having a Subscriber Identity Module (SIM) card capable of talking, and the communication pointing data includes a phone number of a specific mobile device, and therefore, the two-dimensional barcode The pattern can be transmitted directly to the consumer's mobile device. The consumer's mobile device has the ability to display a two-dimensional barcode pattern, and the two-dimensional barcode pattern displayed on one of the mobile devices can be read and processed by the two-dimensional barcode financial consumption processing device, and the two-dimensional barcode financial consumption processing device is from the mobile phone. The display reads the two-dimensional barcode pattern and decodes the two-dimensional barcode pattern to obtain transaction information of the commodity, and the transaction information is available for the consumer to operate the two-dimensional barcode financial consumption processing device to pay. The following will be an example of online shopping and 2D barcode financial consumption bills 10 201126439. 2A to 2C show the screen contents displayed by a display unit. As shown in FIG. 2A, the product selection interface u is displayed on the display, and the product selection interface u includes a plurality of commodity booths U1 to U3, and each commodity booth: 111 to 113 shows the product name, unit price, and currency of the commodity to be sold. And talk - buy button. Alternatively, the merchandise selection interface 11 may also include a network hyperlink to another merchandise selection interface 12 of FIG. 2B. As shown in FIG. 2B, another product selection interface 12 is displayed on the display. 1. The knife product selection interface φ 12 contains detailed product information, such as the seller, the product name, the detailed description, the unit price, and the pricing currency. And buy a button. ...after the purchase button of Fig. 2A or Fig. 2B is pressed, the corresponding product is selected. As shown in Figure 2C, after at least one item is selected, the display! The middle display shows a consumption confirmation interface 13 having at least one two-dimensional barcode transmission option (3). The consumption confirmation interface 13 includes the product name, quantity, unit price, total amount, pricing band, and the like. When the 2D barcode transmission option i3i is selected, the Lu- 2D barcode pattern will be output and based on the communication
至外部的一特定行動裝置。 寻I 通訊指向資料可以讓消費者於講買商品時輸入，或是 讓消費者於加入會員時輸入。 二維條碼®案包含被選定商品的付款金㈣料，也可 j再包含收款帳號資料。二雜案也可以更包含商品 貝料’例如.商品名稱、商品型號、購買數量等等。 另外，為了強化上述交易的安全性，二維條碼圖案可 更包含通訊指向_，以供付款或收款機構稽核。 201126439 如圊2D所示，顯示器！係顯示—通訊指向資料輸入 介面Η ’消費者可輸入通訊指向資料於通訊指向資料輸入 介面14。通訊指向資料輸入介面14可於圖2α或圖2Β中 至少一商品被選定後顯示於顯示器丨中。 舉例來說，通訊指向資料輸入介面14可以在圖2€之 前顯示，也可以在圖2C之後顯示。 當圖2C的二維條碼傳送選項131被選定後，一通訊 指向資料輸入介面14係顯示於顯示器丨，使用者可以在通 訊指向資料輸入介面14輪入待收二維條碼圖案之行動電 話號碍，例如：在一行動電話號喝輪入欄位141輸入行動 電話號碼。二維條碼圖案係依據所輸人之通訊指向資料傳 送至外部的特定行動裝置。 另-方面’網路金融消費處理方法亦可對通訊指向資 料進行認證。如圖2Ε所示，與圖2D不同的是，通訊指向 資料輸入介面14係包含-行動電話號瑪輸人_ i4i以 及一認證碼輸入欄位142。當消費者輪入一特定行動電話 號碼於行動電話號瑪輸入攔位141，並按下攔位i4i旁^ 送出按鍵⑷之後，網路金融消費處理方法係傳送—認證 碼至駄行動電話號碼對應的行動電話，、;肖費者係在認證 碼輸入攔位141輸入認證碼以供驗證此特定 能夠收到訊息。即使消費者不是會員也可以購買商品與消 費。 另外，通訊指向資料係儲存於一資料庫，例如在加入 會員時消費者已提供通訊指向資料。 12 201126439 如圖2F所示，當消費者的帳號已經登入，消費確認 介面13a更顯示了資料庫中對應該消費者帳號的通訊指向 資料，在至少一商品被選定前通訊指向資料係已經儲存於 資料庫。如果消費者想將二維條碼圖案傳送至其他行動裝 置，其可按下變更選項132。選取變更選項132後的介面 係可如圖2D或圖2E所示。 另外，通訊指向資料輸入介面係可以和商品選擇介 面、或消費確認介面顯示於同一個晝面。 • 另外，如圖2G所示，於圖2A或圖2B之至少一商品 被選定後，顯示器1係顯示一約定帳號資料輸入介面15， 消費者可於約定帳號資料输入介面15輸入一約定帳號資 料’例如·在一約定帳號貢料輸入搁位151輸入約定帳號。 二維條碼圖案係包含經由約定帳號資料輸入介面所輸入 之約定帳號資料。 舉例來說，約定帳號資料是消費者事先與金融機構所 約定能夠使用二維條碼付款的憑證資料。消費者收到包含 約定帳號資料的二維條碼圖案後，可以直接使用這個二維 條碼圖案至二維條碼金融消費處理裝置來完成消費付款。 二維條碼圖案可包含被選定商品付款金額資料、收款 帳號資料及約定帳號資料，這可以簡化使用者在二維條碼 金融消費處理裝置的付款流程。 舉例來說，二維條碼圖案是直接傳送至消費者的行動 裝置，這種消費既付款機制可設計為消費者必須持能夠顯 示二維條碼圖案的特定行動裝置至二維條碼金融消費處 13 201126439 能夠付款’這樣可同時兼顧消費的便利性及付款 另外，約&帳號資料輸入介面係可以和商品入 面、或消費確認介面、或通訊、擇" 一個晝面。 ㈤$通贴向貝科輸入介面顯示於同 另外，為了強化上述交易的安全性，二維條 更包含通訊指向資料，以供付款或收款機構稽核A specific mobile device to the outside. Finding I Newsletter pointing data allows consumers to enter when they buy a product, or to let consumers enter it when they join a member. The 2D Barcode® case contains the payment (4) of the selected item, and may also include the payment account information. The second case may also include merchandise, such as the name of the product, the model number of the product, the quantity purchased, and the like. In addition, in order to enhance the security of the above transaction, the 2D barcode pattern may further include a communication pointing _ for payment or collection agency auditing. 201126439 As shown in 圊 2D, the display! Display—Communication points to the data input interface ’ ‘ Consumers can enter the communication to point to the data in the communication to the data input interface 14. The communication pointing data input interface 14 can be displayed in the display port after at least one item in FIG. 2α or FIG. 2Β is selected. For example, the communication pointing data input interface 14 can be displayed before Figure 2 or after Figure 2C. After the 2D barcode transmission option 131 of FIG. 2C is selected, a communication pointing data input interface 14 is displayed on the display screen, and the user can turn in the mobile phone number of the 2D barcode pattern to be received in the communication direction data input interface 14. For example, enter the mobile phone number in a mobile phone number drinking round entry field 141. The two-dimensional bar code pattern is transmitted to an external specific mobile device according to the communication direction of the input person. The other-side's method of processing online financial consumption can also certify communication-oriented materials. As shown in FIG. 2A, unlike FIG. 2D, the communication pointing data input interface 14 includes a mobile phone number _i4i and an authentication code input field 142. When the consumer turns in a specific mobile phone number in the mobile phone number input block 141, and presses the button i4i next to the send button (4), the network financial consumption processing method is transmitted - the authentication code to the mobile phone number corresponding to The mobile phone, Shaw, enters the authentication code at the authentication code input block 141 to verify that the specific can receive the message. Even if the consumer is not a member, they can purchase goods and consumption. In addition, the communication pointing data is stored in a database, for example, when the member joins the member, the consumer has provided the communication pointing material. 12 201126439 As shown in FIG. 2F, when the consumer's account has been logged in, the consumer confirmation interface 13a further displays the communication pointing data corresponding to the consumer account in the database, and the communication pointing to the data system has been stored before at least one product is selected. database. If the consumer wants to transfer the 2D barcode pattern to other mobile devices, they can press the change option 132. The interface after the change option 132 is selected may be as shown in Fig. 2D or Fig. 2E. In addition, the communication pointing data input interface can be displayed in the same page as the product selection interface or the consumption confirmation interface. In addition, as shown in FIG. 2G, after at least one item of FIG. 2A or FIG. 2B is selected, the display 1 displays an agreed account data input interface 15, and the consumer can input an agreed account information in the agreed account data input interface 15. 'For example, enter an appointment account number in an appointment account tribute input 151. The two-dimensional barcode pattern includes the agreed account data input through the agreed account data input interface. For example, the agreed account information is the voucher information that the consumer has agreed with the financial institution to pay using the two-dimensional bar code in advance. After receiving the 2D barcode pattern containing the agreed account information, the consumer can directly use the 2D barcode pattern to the 2D barcode financial consumption processing device to complete the payment for consumption. The 2D barcode pattern may include the selected item payment amount data, the receipt account data, and the agreed account information, which simplifies the payment process of the user in the 2D barcode financial consumption processing device. For example, the two-dimensional bar code pattern is a mobile device that is directly transmitted to the consumer, and the consumer payment mechanism can be designed such that the consumer must hold a specific mobile device capable of displaying a two-dimensional bar code pattern to the two-dimensional bar code financial consumption place 13 201126439 The ability to pay 'this can take into account the convenience of consumption and payment. In addition, the account & entry data entry interface can be entered with the product, or the consumer confirmation interface, or communication, select " a face. (5) The $Postcard is displayed in the same way as the Beca input interface. In order to enhance the security of the above transaction, the 2D bar contains the communication pointing information for payment or collection agency audit.
另一方面，如圖3A至圖3C所示，與圖2 不同的是，顯示器丨更顯示至少 圖2C 條碼圖案係包含經由匯率轉換介面J =面二，二維 資料。付款金額資料可因應貨帶及匯率==付款金額 顯示til面介面16係與商品選擇介面 於厂J個晝面中，在圖3Β中， 商品選擇介面12顯示於同一個書面；轉=面16係與 介面16亦可與消費確認介面顯示於同一個 =率轉換 通訊款金額資“可根據 可跨國的消費機制。 均費者另一種安全、 二維條顯t &含被選^# 再包含收款帳號資料。 执金額-貝料，也可 另外，網路金融消費處理方法 路位址判斷對應的貨幣種類。 x據消費者所在之網 如圖3〇所示，與圖2〇類似的是，顯示器！更可顯示 14 201126439 一通訊指向資料輸入介面14,消費者可輸入通訊指向資料 於通訊指向資料輸入介面14。通訊指向資料輸入介面14 可於圖3A或圖3B中至少一商品被選定後顯示於顯示器工 中。另外，通訊指向資料輸入介面14與消費確認介面13 可以顯示於同一個晝面。 • 通訊指向資料的輸入與變更係類似於前述相關的内 容，故此不再贅述。另外，通訊指向資料輸入介面、匯率 轉換介面與消費嫁認介面也可以顯示於同—個畫面。 •另外，二維條碼圖案可包含約定帳號資料以及匯率轉 # =付款金額資料，網路金融消費處理方法可以提供消 .費者另—種方便、安全、可跨_消費機制。 • Μ Π t 了強化上述交易的安全性，二維條碼圖案可 。：、3fU曰：資料’以供付款或收款機構稽核。 荦，夢例中’二維條碼圖案係可為經加密之圖 Ί確保傳輸安全，同時也避免濫發防止仿冒。 •費金融處理設計為僅供特定二維條碼消 送。 輯㈤取之條L防止有心人士冒名發 路傳輸或經由二==認介=係經由一網際網 示器、二維條碼金融消費…、不」系為:自動櫃員機之顯 顯示器、或一行動〆处理裝置之顯示器、或一電腦之 丁勒凌置之顯示器。 消費者的行動裴置罝 一 示於行動裝置之—~ __，、、、不一維條碼圖案之能力，顯 ‘^的二維條碼圖案可供二維條碼 15 201126439 金融消費處理裝置讀取與處理，二維條碼金融消費處理裝 置從行動電話之顯示器讀取二維條碼圖案，並將二維條碼 圖案解碼而得到商品的交易資訊，交易資訊係可供消費者 操作二維條碼金融消費處理裝置來付款。 以下將以購票與二維條碼電子票券來舉例說明。 圖4A至圖4C係出示一顯示器1所顯示的晝面内容， 顯示器1所顯示的商品是票券，例如是交通票、表演票、 電影票等票券。 如圖4A所示，商品選擇介面11係顯示於顯示器1， 商品選擇介面11包含複數個商品欄位111〜113，各商品攔 位111〜113係出示待出售商品的品名、單價、計價幣別及 購買按鈕。另外，商品選擇晝面11也可包含連結至圖4B 的另一商品選擇介面12的網路超連結。 如圖4B所示，另一商品選擇介面12係顯示於顯示器 1，商品選擇介面12包含詳細商品資料，例如待出售商品 的照片、品名、細部的描述、單價、計價幣別及購買按鈕。 圖4A或圖4B的購買按鈕按下之後，即對應的商品係 被選定。如圖4C所示，至少一商品被選定後，顯示器1 中係顯示具有至少一二維條碼傳送選項131之一消費確認 介面13。消費確認介面13包含了商品名稱、數量、單價、 總金額、計價幣別等。當二維條碼傳送選項131被選定後， 一作為電子票券之二維條碼圖案係會被輸出並依據通訊 指向資料傳送至外部的特定行動裝置。通訊指向資料的輸 入與變更係類似於前述相關的内容，故此不再贅述。 16 201126439 二維條碼電子票券係可直接傳送至消費者的行動裝 置，藉此可省去物流所需之時間與金錢。二維條碼電子票 券亦可加密，藉此可防止有心人士仿造，提高票券的安全 性。 另外，消費者亦可藉由特定行動裝置接收二維條碼電 子票券及二維條碼帳單。 如圖4D所示，於二維條碼傳送選項被選定後，網路 金融消費處理方法可輸出一作為金融消費帳單之二維條 • 碼圖案及一作為電子票券之二維條碼圖案，這二個二維條 碼圖案係依據通訊指向資料傳送至外部的特定行動裝置。 舉例來說，雖然作為電子票券之二維條碼圖案已經先 傳送至消費者的行動裝置，但是，消費者還沒使用作為金 融消費帳單之二維條碼圖案付清費用之前，作為電子票券 之二維條碼圖案是不會被啟用的；或者是，消費者可先持 作為電子票券之二維條碼圖案先行入場，但是，消費者在 出場前需先使用作為金融消費帳單之二維條碼圖案來付 清費用。 另外，作為帳單的二維條碼圖案亦可具有如前述實施 例的變化，例如：作為帳單的二維條碼圖案包含付款金額 資料、及/或收款帳號資料、及/或約定帳號資料、及/或付 款貨幣資料、及/或帳單編號資料、及/或通訊指向資料、 及/或商品資料等等的資料，故此不再贅述。 如圖5所示，一終端裝置21與一商品銷售系統22(以 下簡稱系統22)透過網.路23連線，一使用者係操作終端 17 201126439 裝置21來觀看系統22所提供的内容。 商〇口銷售系統22係可提供前述圖2A至圖4D的實施 例的晝面内合’亚針斟使用者的選擇來處理商品交易。 、’、令而裝置21係例如是：桌上型電腦（Desktop C⑽碑〇、筆記型電腦㈤㈣讀）、網路電腦（) ===際網路的各類型電腦(_—另外， " 可以例如是行動電話（Mobile Phone)、個On the other hand, as shown in Figs. 3A to 3C, unlike Fig. 2, the display display shows at least the bar code pattern of Fig. 2C including the two-dimensional data via the exchange rate conversion interface J = face two. The payment amount information can be displayed in the J face of the factory according to the cargo belt and the exchange rate == payment amount. In the figure 3, the product selection interface 12 is displayed in the same writing; The system and interface 16 can also be displayed in the same = rate conversion communication amount as the consumption confirmation interface. "It can be based on the transnational consumption mechanism. The average fee is another security, the two-dimensional bar display t & contains the selected ^# Including the amount of the account information. The amount of money - bedding, or in addition, the network financial consumption processing method road address to determine the corresponding currency type. x According to the consumer's network as shown in Figure 3, similar to Figure 2〇 The display can display 14 201126439. A communication is directed to the data input interface 14. The consumer can input the communication pointing data to the communication pointing data input interface 14. The communication pointing data input interface 14 can be at least one product in FIG. 3A or FIG. 3B. After being selected, it is displayed in the display work. In addition, the communication pointing data input interface 14 and the consumption confirmation interface 13 can be displayed on the same side. In the above related content, it will not be described in detail. In addition, the communication pointing data input interface, the exchange rate conversion interface and the consumption marry interface can also be displayed on the same screen. • In addition, the 2D barcode pattern can include the agreed account information and the exchange rate. Transfer # = payment amount information, online financial consumption processing method can provide consumers with a convenient, safe, and cross-consumption mechanism. • Μ Π t Strengthen the security of the above transaction, 2D barcode pattern can be. :, 3fU曰: The data 'for payment or collection agency audit. 荦, the dream case 'two-dimensional bar code pattern can be encrypted to ensure transmission security, but also avoid spamming to prevent counterfeiting. Designed to be used only for specific 2D barcodes. (5) Take the article L to prevent people who are interested in impersonating the transmission or via the second == acknowledgment = through the Internet, 2D barcode financial consumption..., not It is: the display of the automatic teller machine, or the display of a mobile device, or the display of a computer. The action of the consumer is shown in the mobile device -~ __,,, and the ability of the one-dimensional bar code pattern, the two-dimensional bar code pattern of the '^ can be used for the two-dimensional bar code 15 201126439 Financial consumer processing device reads and Processing, the two-dimensional barcode financial consumption processing device reads the two-dimensional barcode pattern from the display of the mobile phone, and decodes the two-dimensional barcode pattern to obtain the transaction information of the commodity, and the transaction information is available for the consumer to operate the two-dimensional barcode financial consumption processing device Come to pay. The following will be exemplified by the purchase of a ticket and a two-dimensional barcode electronic ticket. 4A to 4C show the contents of the face displayed by the display 1. The items displayed on the display 1 are tickets, such as tickets for tickets, performance tickets, movie tickets, and the like. As shown in FIG. 4A, the product selection interface 11 is displayed on the display 1. The product selection interface 11 includes a plurality of product fields 111-113, and each product barrier 111-113 displays the product name, unit price, and currency of the item to be sold. And buy button. In addition, the item selection screen 11 may also include a network hyperlink connected to another item selection interface 12 of FIG. 4B. As shown in Fig. 4B, another product selection interface 12 is displayed on the display 1, and the product selection interface 12 contains detailed product information such as a photo of the item to be sold, a product name, a description of the details, a unit price, a pricing currency, and a purchase button. After the purchase button of Fig. 4A or Fig. 4B is pressed, the corresponding product is selected. As shown in FIG. 4C, after at least one item is selected, the display 1 displays a consumption confirmation interface 13 having at least one two-dimensional bar code transmission option 131. The consumption confirmation interface 13 includes the product name, quantity, unit price, total amount, denomination currency, and the like. When the two-dimensional bar code transmission option 131 is selected, a two-dimensional bar code pattern as an electronic ticket is output and transmitted to an external specific mobile device in accordance with the communication direction data. The input and change of the communication-oriented data is similar to the above-mentioned related content, and therefore will not be described again. 16 201126439 Two-dimensional bar code e-tickets are mobile devices that can be delivered directly to consumers, eliminating the time and money required for logistics. The 2D barcode electronic ticket can also be encrypted, which prevents the intentional person from copying and improves the security of the ticket. In addition, consumers can receive 2D barcode electronic coupons and 2D barcode bills through specific mobile devices. As shown in FIG. 4D, after the two-dimensional barcode transmission option is selected, the online financial consumption processing method can output a two-dimensional barcode pattern as a financial consumption bill and a two-dimensional barcode pattern as an electronic ticket. The two-dimensional bar code pattern is transmitted to the external specific mobile device according to the communication direction data. For example, although the two-dimensional barcode pattern as an electronic ticket has been first transmitted to the mobile device of the consumer, the consumer has not used the two-dimensional barcode pattern as a financial consumption bill to pay the fee as an electronic ticket. The 2D barcode pattern will not be enabled; or, the consumer can first enter the first two-dimensional barcode pattern as an electronic ticket, but the consumer must first use the 2D as a financial consumption bill before playing. Bar code pattern to pay the fee. In addition, the two-dimensional barcode pattern as a bill may also have a change as in the foregoing embodiment, for example, the two-dimensional barcode pattern as a bill includes payment amount data, and/or collection account information, and/or agreed account information, And/or payment currency information, and/or billing number information, and/or communication pointing materials, and/or commodity information, etc., and therefore will not be described again. As shown in Fig. 5, a terminal device 21 is connected to a product sales system 22 (hereinafter referred to as system 22) via a network path 23, and a user operates the terminal 17 201126439 device 21 to view the contents provided by the system 22. The Sakaguchi sales system 22 is capable of providing the selection of the kneading inner sub-needles user of the embodiment of Figures 2A through 4D described above to process merchandise transactions. , ', and the device 21 is for example: desktop computer (Desktop C (10) monument, notebook computer (five) (four) read), network computer () === various types of computers (_ - in addition, " Can be, for example, a mobile phone, a mobile phone
人打動數位助理（PD 計算裝置。 > 或其他能夠連結網際網路的數位 終端裂置21係安裝 頁瀏覽器的頁面内a v、 一、頁瀏覽器（Web Browser )，網 例來說，網係顯示於終端I置21的顯示器。舉 於終端裝 置21的^器―係_將系統22提供的介面等資^顯示 顯示器來割覽系統，使用者便可觀看終端裝置21的 組係包含符合WAp β七、的資afL。系統22的介面或各模 VoiceML等襟準之心式、HTML文件、XML文件、或 終端裒置21亦^。 使用者可以觀看顯入元件來接收使用者的輪入， 入元件例如是電腦鍵i^的时來操作輸人元件。輸 風、或滑鼠等，使用者可2話鍵盤、或觸碰板、或麥克 件來操作電子裝置。 *用-種或一種以上的輸入元 + 4是網際網路，故姓 卡或數據機等元件鏈結 、，x链裴置21係透過網路 卡或數據機等元件 丁'、罔路，系統22係透過網路 牛鏈、、、。至網際網路，終端裝置21係透過 18 201126439 網際網路23而與系統22通訊。 系統22係提供商品銷售服務，系統22的網頁包含貨 品資訊供消費者瀏覽，消費者能夠直接透過網際網路在網 頁中點選要購買的商品，並透過以下所述的交易機制來完 成付款。 系統22傳送一消費資訊與一通訊指向資料至一二維 條碼產生伺服器24 (以下簡稱伺服器24)。舉例來說，消 費資訊可包含付款金額資料，也可以再包含收款帳號資 • 料；另外，消費資訊也可包含付款金額資料及付款貨幣資 料，也可以再包含收款帳號資料；另外，消費資訊也可包 含付款金額資料及約定帳號資料，也可再包含收款帳號資 料及/或付款貨幣資料；另外，消費資訊亦可包含匯率轉換 後的付款金額資料，也可再包含收款帳號資料及/或約定帳 號資料。另外，作為帳單的二維條碼圖案除了可包含前述 種類之資料外，也可在包含帳單編號資料或商品資料等以 利收款後核對。 伺服器24係根據消費資訊產生一二維條碼圖案，並 將二維條碼圖案傳送至特定行動裝置26。舉例來說，伺服 器24係根據通訊指向資料透過一電信系統25將夾帶二維 條碼圖案的多媒體訊息（MMS)傳送至特定行動裝置26。 顯示於行動電話26之顯示器261的二維條碼圖案可 供二維條碼金融消費處理裝置27 (以下簡稱裝置27)，細 部内容將於後續實施例中說明。 裝置27係從行動電話26之顯示器261讀取二維條碼 19 201126439 圖案，並將二維條碼解碼而得到消費資訊，消費者係在裝 置27使用二維條碼圖案來付款，裝置27係根據消費資訊 與消費者的操作而更新金融機構28之帳戶資料庫，藉以 完成付款交易。 另外，伺服器24也可以根據消費資訊及通訊指向資 料產生二維條碼圖案，以利金融機構28或系統22稽核。 另外，通訊指向資料亦可作為消費者於裝置27的身分認 證資料。例如：消費者操作裝置27付款，並在裝置27輸 入行動電話號碼，消費者的付款交易和行動電話號碼係透 過金融系統28傳給系統22,系統22就能夠知道是何筆交 易已經完成付款。 另外，如圖6所示，與圖5不同的是，行動電話26a 係與系統21連線而作為圖5的終端裝置21，而且，行動 電話26a也可從伺服器24接收二維條碼。由於行動電話 26a的變化及實施細節係與圖5的終端裝置21及行動電話 26類似，故此不再贅述。 以下將舉例說明二維條碼金融消費處理裝置。 如圖7所示，二維條碼金融消費處理裝置3與一金融 帳戶資料庫4配合使用，其包括一金融卡讀取單元31、一 通訊單元32、一二維條碼讀取單元33、一顯示單元34以 及一資料處理單元35。 金融卡讀取單元31係讀取一作為身分識別用之金融 卡51進而產生一存取信號，通訊單元32係依據存取信號 與金融帳戶資料庫鏈結。舉例來說，金融卡可以是提款 20 201126439 卡、***、或現金卡。 二維條碼讀取單元33係讀取一二維條碼圖案而產生 一消費資訊，舉例來說，二維條碼圖案係顯示於一行動裝 置52或印刷於一紙張53,行動裝置52係可以是行動電話 或個人數位助理（PDA )。另外，因二維條碼圖案係顯示於 - 行動裝置之二維條碼，藉此可以響應環保，達到無紙張交 - 易。 顯示單元34係至少顯示部分之消費資訊，資料處理 • 單元35係藉由通訊單元並依據消費資訊對金融帳戶資料 庫4進行資料更新。 : 在付款或繳費的過中，顯示單元34係顯示晝面來引 ： 導消費者藉由二維條碼圖案來付款或繳費。 二維條碼圖案係作為一收費帳單，其係可包含付款金 額資料、及/或收款帳號資料、及/或約定帳號資料、及/或 付款貨幣資料、及/或帳單編號資料、及/或通訊指向資料、 及/或商品資料等等的資料。 舉例來說，二維條碼圖案可包含付款金額資料，也可 以再包含收款帳號資料；另外，二維條碼圖案也可包含付 款金額資料及付款貨幣資料，也可以再包含收款帳號資 料；另外，二維條碼圖案也可包含付款金額資料及約定帳 號資料，也可再包含收款帳號資料及/或付款貨幣資料；另 外，二維條碼圖案亦可包含匯率轉換後的付款金額資料， 也可再包含收款帳號資料及/或約定帳號資料。另外，作為 帳單的二維條碼圖案除了可包含前述種類之資料外，也可 21 201126439 在包含帳單編號資料及/或通端向㈣以利收款後核對。 、准仏馬喂取單元33係根據二維條碼圖案之内容而 對應地產生消費資訊，消費資訊係可包含付款金額資料、 及/或收錄號資料、及/賴練歸料、及/或付款貨幣 資料、及/或帳單編號資料、及/或通訊指向資料、及/或消 費類別資料等等的資料。 + °兒一維條碼圖案係包含付款金額資料及消費 犬員別資料’其係可用供使用者缴納水費、電費、電信費或 =定開支項目的費用。這些特定開支項目例如是公眾服務 、項目，對應的公眾服務機構在不_金融機構可能有不 錄號。二維條碼讀取單元33係根據二維條碼圖 案之内谷而對應地產生消費資訊，消費資訊包 資料及消費類別資料。資料處理單元35# 類別員 料判斷應該轉入的帳戶，進 賈員別貝 確對續戶中：L 費者的繳款能夠轉入正 應的好巾。μ者可匈㈣或僅_部分金額。 資料舉例2 ’二維㈣圖案係付款金額資料及收款帳號 貝科，二維條碼讀取單元33係根據二 而對應地產生包含付兮仝銪次7固系之内合 資H Q金額資料及收款帳號資料的消費 =_料34係_付款金师料顯 ，的費用，資料處理單元35係卿者 支出費用至收款帳號資料指定的帳戶。支出的費用係= 部分額度。另外，付款擇要全額缴納或僅缴納 -貝料，這種付款方式適用於跨國交易。 奐後的 22 201126439The person touches the digital assistant (PD computing device. > or other digital terminal that can connect to the Internet to split the 21-page installation page browser in the av, one, page browser (Web Browser), for example, the network The display is displayed on the terminal I 21. The system of the terminal device 21 is used to display the display by the interface provided by the system 22 to view the system, and the user can view the group device of the terminal device 21 to match WAp β7, afL. The interface of the system 22 or each mode VoiceML, etc., the HTML file, the XML file, or the terminal device 21 can also be viewed. The user can watch the display component to receive the user's wheel. When the input component is, for example, the computer key i^, the input component is operated. For the wind, or the mouse, the user can operate the electronic device by using the keyboard, the touch panel, or the microphone. Or more than one input element + 4 is the Internet, so the name card or data machine and other component links, the x-chain device 21 through the network card or data machine and other components, the road, the system 22 through Internet cattle chain, ,, to the Internet, terminal device 2 The system communicates with the system 22 through the Internet access network 23 of 2011. The system 22 provides a product sales service, and the webpage of the system 22 contains product information for the consumer to browse. The consumer can directly click on the Internet to purchase the webpage. The payment is completed by the transaction mechanism described below. The system 22 transmits a consumption information and a communication pointing data to a two-dimensional barcode generation server 24 (hereinafter referred to as the server 24). For example, the consumption information may be Including the payment amount information, and may further include the payment account information; in addition, the consumption information may also include the payment amount information and the payment currency data, and may also include the payment account information; in addition, the consumption information may also include the payment amount information. And the agreed account information, and may further include the payment account information and/or the payment currency data; in addition, the consumption information may also include the payment amount data after the exchange rate conversion, and may further include the payment account information and/or the agreed account information. In addition, the two-dimensional barcode pattern as a bill may be included in addition to the aforementioned types of materials. The bill number data or the product data is checked after the payment is received. The server 24 generates a two-dimensional barcode pattern based on the consumption information, and transmits the two-dimensional barcode pattern to the specific mobile device 26. For example, the server 24 is The multimedia message (MMS) entrained with the two-dimensional barcode pattern is transmitted to the specific mobile device 26 via the telecommunication system 25. The two-dimensional bar code pattern displayed on the display 261 of the mobile phone 26 is available for the two-dimensional bar code financial consumption processing device. The device will be described in the following embodiments. The device 27 pays using the two-dimensional bar code pattern, and the device 27 updates the account database of the financial institution 28 based on the consumption information and the operation of the consumer to complete the payment transaction. In addition, the server 24 can also generate a two-dimensional barcode pattern based on the consumption information and communication pointing information for the financial institution 28 or the system 22 to audit. In addition, the communication pointing material can also serve as the identity authentication information of the consumer on the device 27. For example, the consumer operating device 27 pays and enters the mobile phone number at device 27, and the consumer's payment transaction and mobile phone number are transmitted to system 22 via financial system 28, and system 22 is able to know which transaction has completed the payment. Further, as shown in Fig. 6, unlike FIG. 5, the mobile phone 26a is connected to the system 21 as the terminal device 21 of FIG. 5, and the mobile phone 26a can receive the two-dimensional bar code from the server 24. Since the changes and implementation details of the mobile phone 26a are similar to those of the terminal device 21 and the mobile phone 26 of Fig. 5, they will not be described again. The two-dimensional barcode financial consumer processing apparatus will be exemplified below. As shown in FIG. 7, the two-dimensional barcode financial consumer processing device 3 is used in conjunction with a financial account database 4, which includes a financial card reading unit 31, a communication unit 32, a two-dimensional barcode reading unit 33, and a display. Unit 34 and a data processing unit 35. The financial card reading unit 31 reads a financial card 51 for identity identification to generate an access signal, and the communication unit 32 links to the financial account database based on the access signal. For example, the financial card can be a withdrawal 20 201126439 card, credit card, or cash card. The two-dimensional barcode reading unit 33 reads a two-dimensional barcode pattern to generate a consumption information. For example, the two-dimensional barcode pattern is displayed on a mobile device 52 or printed on a paper 53, and the mobile device 52 can be an action. Telephone or personal digital assistant (PDA). In addition, because the two-dimensional bar code pattern is displayed on the two-dimensional bar code of the mobile device, it can respond to environmental protection and achieve paperless delivery. The display unit 34 displays at least part of the consumption information, and the data processing unit 35 updates the financial account database 4 by means of the communication unit and based on the consumption information. : In the case of payment or payment, the display unit 34 displays the display to guide the consumer to pay or pay by the two-dimensional barcode pattern. The two-dimensional barcode pattern is used as a billing bill, which may include payment amount information, and/or collection account information, and/or agreed account information, and/or payment currency data, and/or bill number information, and / or communication refers to data, and / or commodity information, etc. For example, the 2D barcode pattern may include the payment amount data, and may further include the payment account data; in addition, the 2D barcode pattern may also include the payment amount data and the payment currency data, and may further include the payment account data; The two-dimensional bar code pattern may also include payment amount information and agreed account information, and may further include payment account information and/or payment currency data; in addition, the two-dimensional bar code pattern may also include exchange rate converted payment amount data, or It also includes the receipt account information and/or the agreed account information. In addition, the two-dimensional bar code pattern as a bill can be checked in addition to the above-mentioned types of information, and can be checked after the billing number information and/or the terminal is used to (iv) the profit. The quasi-Horse feeding unit 33 generates corresponding consumption information according to the content of the two-dimensional barcode pattern, and the consumption information may include payment amount information, and/or inclusion number information, and/or reimbursement, and/or payment. Currency information, and/or billing number information, and/or communications pointing to information, and/or consumption category information, etc. + ° The one-dimensional bar code pattern contains the payment amount information and the consumption dog-side information. It can be used for users to pay water, electricity, telecommunications or = expenses. These specific expenditure items are, for example, public services, projects, and corresponding public service agencies may not have a record number. The two-dimensional barcode reading unit 33 correspondingly generates consumption information, consumption information package materials and consumption category data according to the inner valley of the two-dimensional barcode pattern. The data processing unit 35# class member judges the account that should be transferred, and the member of the class is confirmed to be in the renewal: the payment of the L fee can be transferred to the appropriate towel. μ can be Hungary (four) or only _ part of the amount. Data example 2 'Two-dimensional (four) pattern is the payment amount information and the receipt account Beca, the two-dimensional barcode reading unit 33 is based on the second to generate the information of the joint venture HQ amount including the payment of the same solid 7 The consumption of the account information = _ material 34 system _ payment gold teacher material display, the fee, the data processing unit 35 is the clerk's expense to the account specified in the receipt account data. The cost of the expenditure is part of the amount. In addition, the payment option must be paid in full or only - beneficiary, this payment method is applicable to cross-border transactions. After the 22 201126439
举例來S兒，一維條碼圖案係付款金額資料、付斧貨軟 資料及收款帳號資料，二維條碼讀取單元33係根據一' : 條碼圖案之内容而對應地產生包含付款金額資料、付，= 幣資料及收款帳號資料的消費資訊。顯示單元34係:、 付款金額資料顯示消費者全額繳納所需的費用以及^ 貨瞥種類，資料處理單元35係從消#者的金融卡支出ς 用至收款帳號資料指^的帳戶。支出的費用係可依消費者 的意願來衫，㈣者可選擇要全額繳納或僅繳納部分額 度。這種付款方式適用於跨國交易，消f者也可以在❹ 時（例如藉由前述圖3 A至圖3 c的實施例所述的相關消費 方式）自行決定付款的貨幣類別。 、 +歹P »兒，一維條碼圖案如了包含前述的資料之外， 亦可更包含帳單編號資料及/或通訊指向資料，二 =二Γ據二維條碼圖案之内容而對應地產生包: 帳早料㈣及/或通訊指向資料的消費資訊。資料處理單 單元31傳㈣訊㈣f駐金融帳戶資 別。偷錢純金綠戶資_4進行身分識 戶-料通汛指向資料係記載一行動電話號碼，金融帳 ，=_行動電話號毅否與該金融卡之對應 ^ ’右是則讓付款或繳費交易繼續進行，^否則不 進订父易，確保交易安全。 亦可維條碼圖案如了包含前述的資料之外’ -_ $諸，二祕碼讀取料％係根據 一維條碼圖亲+++ /、内谷而對應地產生包含帳單編號資料的 23 201126439 消費資訊。資料處理單元35係透過通訊單元31傳輸帳單 編號資料至金融帳戶資料庫4或相關的商品銷售系統。 二維條碼金融消費處理裝置係可沒有儲藏紙鈔或硬 幣等貨幣，其係可作為一無實體貨幣金融服務裝置，這種 裝置可達到純電子金融交易，而且沒有儲藏實體貨幣亦較 無安全疑慮。 圖8所示，二維條碼金融消費之處理流程係包含步驟 S11至步驟S18。其係可應用於前述之二維條碼金融消費 處理裝置。 步驟S11係顯示一金融卡密碼輸入晝面，使用者係操 作按鍵來輸入密碼。按鍵可以是鍵盤的按鍵或是觸控式螢 幕顯示的按鍵。身分確認無誤後進入步驟S12。 步驟S12係顯示一二維條碼繳款選項。使用者選取後 則進入步驟S13。 步驟S13係顯示一二維條碼讀取晝面。使用者係將紙 張或行動電話上的二維條碼圖案置於二維條碼讀取器前。 步驟S14係依據二維條碼圖案產生消費資訊。 步驟S15係顯示消費資訊之至少一部分内容，例如： 全額付款金額、及/或消費内容等等供使用者確認。 步驟S16係根據消費資訊及使用者的操作指示進行交 易。 步驟S17係依據消費資訊對金融帳戶資料庫進行資料 更新。 步驟S18係顯示一交易結果晝面。 201126439 綜上所述，因依據本發明之一種網路金融消費處理方 法係將可作為帳單或票券之二維條碼傳送至特定行動裝 置，消費者可以持二維條碼至二維條碼金融消費處理裝置 付款，因此，消費者就可以不需要在網路上使用***， 如此一來，網路交易的安全性便能夠大大地提升。 - 綜上所述，因依據本發明之一種二維條碼金融消費處 - 理裝置能夠處理二維條碼帳單，藉以提供消費者另一種付 款的機制。對於網路消費來說，消費者就可以不需要在網 • 路上使用***，如此一來，網路交易的安全性便能夠大 大地提升。 - 以上所述僅為舉例性，而非為限制性者。任何未脫離 ： 本發明之精神與範疇，而對其進行之等效修改或變更，均 應包含於後附之申請專利範圍中。 【圖式簡單說明】 圖1為依據本發明一實施例之網路金融消費處理方法 鲁之流程圖.； 圖2A至圖2G為依據本發明一實施例之網路金融消費 處理過程之示意圖； ' 圖3A至圖3D為依據本發明另一實施例之網路金融消 費處理過程之示意圖； 圖4A至圖4D為依據本發明又一實施例之網路金融消 費處理過程之示意圖； 圖5與圖6為依據本發明再一實施例之網路金融消費 25 201126439 處理之區塊圖； 圖7為依據本發明再—實施例之二維條碼金融消 理裝置之區塊圖；以及 、缒 圖§為依據本發明再—實施例之二維條碼金融消 處理流程之流程圖。 、 【主要元件符號說明】 S01〜S03 :網路金融消費處理方法之步驟 S11〜S18 :二維條碼金融消費之處理流程之步驟 I :顯示器 _ II ·商品選擇介面 111〜113 :商品攔位 12. 商品選擇介面 13、 13a :消費確認介面 131 .二維條碼傳送選項 132 :變更選項 14 :通訊指向資料輸入介面 鲁 141 .行動電话〗虎碼輸入搁位 142 :認證碼輸入欄位 143 :按鍵 15 :約定帳號資料輸入介面 151 :約定帳號資料輸入攔位 16 :匯率轉換介面 21 :終端裝置 26 201126439 22 ： 商品銷售系統 23 ： 網路 24 ： 二維條碼產生伺服器 25 ： 電信糸統 26、26a :特定行動裝置 27 :二維條碼金融消費處理裝置 28 :金融機構 3:二維條碼金融消費處理裝置 • 31 :金融卡讀取單元 3 2 :通訊單元 33 :二維條碼讀取單元 34 :顯示單元 35 :資料處理單元 4 :金融帳戶資料庫 51 :金融卡 $ 52:行動裝置 53 :紙張 27For example, the one-dimensional bar code pattern is the payment amount data, the payment axe soft data, and the payment account information. The two-dimensional barcode reading unit 33 generates the payment amount data according to the content of the one: barcode pattern. Pay, = currency information and consumption information of the account information. The display unit 34 is: the payment amount data shows the fee required for the consumer to pay in full and the type of the goods, and the data processing unit 35 is the account of the financial card from the consumer to the account of the payment account information. The expenses incurred may be based on the wishes of the consumers, and (4) may choose to pay in full or only part of the amount. This type of payment is applicable to cross-border transactions, and the currency class of the payment can also be determined at its own discretion (e.g., by the associated consumption patterns described in the foregoing embodiments of Figures 3A through 3c). , +歹P » children, one-dimensional bar code pattern, including the above information, may also include billing number data and / or communication pointing data, two = two according to the content of the two-dimensional bar code pattern correspondingly generated Package: The account information (4) and/or communication refers to the consumption information of the data. Data processing unit unit 31 (four) news (four) f financial account funding. Stealing money, pure gold and green households _4 to carry out the identity of households - the information is directed to the data section to record a mobile phone number, financial account, = _ mobile phone number is not corresponding to the financial card ^ 'right is to let payment or payment The transaction continues, ^ otherwise the parent will not be booked to ensure the transaction is safe. It is also possible to use the above-mentioned data as the '-_$, and the second secret code reading material % correspondingly generates the billing number data according to the one-dimensional barcode drawing pro +++ /, the inner valley. 23 201126439 Consumer Information. The data processing unit 35 transmits the bill number data to the financial account database 4 or the related merchandise sales system via the communication unit 31. The 2D barcode financial consumer processing device can be used without a currency such as banknotes or coins. It can be used as a non-physical currency financial service device. This device can achieve pure electronic financial transactions, and there is no safer doubt about not storing physical currency. . As shown in FIG. 8, the processing flow of the two-dimensional barcode financial consumption includes steps S11 to S18. It can be applied to the aforementioned two-dimensional barcode financial consumer processing device. Step S11 displays a financial card password input face, and the user operates the button to input a password. The button can be a keyboard button or a button displayed on a touch screen. After the identity is confirmed, the process proceeds to step S12. Step S12 displays a two-dimensional barcode payment option. After the user selects, the process proceeds to step S13. Step S13 displays a two-dimensional barcode reading face. The user places the two-dimensional bar code pattern on the paper or mobile phone in front of the two-dimensional bar code reader. Step S14 generates consumption information according to the two-dimensional barcode pattern. Step S15 displays at least a part of the content of the consumption information, for example: the full payment amount, and/or the consumption content, etc., for the user to confirm. Step S16 performs the transaction based on the consumption information and the user's operation instructions. Step S17 is to update the financial account database according to the consumption information. Step S18 displays a result of the transaction. 201126439 In summary, because the online financial consumption processing method according to the present invention transmits a two-dimensional barcode that can be used as a bill or a ticket to a specific mobile device, the consumer can hold the two-dimensional barcode to the two-dimensional barcode for financial consumption. Processing device payments, so consumers do not need to use a credit card on the network, so the security of online transactions can be greatly improved. - In summary, a two-dimensional bar code financial consumer device according to the present invention is capable of processing a two-dimensional bar code bill, thereby providing a mechanism for the consumer to make another payment. For online consumption, consumers do not need to use credit cards on the Internet, so the security of online transactions can be greatly improved. - The above description is for illustrative purposes only and not as a limitation. Any changes or modifications of the spirit and scope of the present invention are intended to be included in the scope of the appended claims. BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a flow chart of a network financial consumption processing method according to an embodiment of the present invention; FIG. 2A to FIG. 2G are schematic diagrams showing a network financial consumption processing process according to an embodiment of the present invention; 3A to 3D are schematic diagrams showing a network financial consumption processing process according to another embodiment of the present invention; and FIGS. 4A to 4D are schematic diagrams showing a network financial consumption processing process according to still another embodiment of the present invention; 6 is a block diagram of a network financial consumption 25 201126439 process according to still another embodiment of the present invention; FIG. 7 is a block diagram of a two-dimensional bar code financial process device according to a further embodiment of the present invention; § is a flow chart of a two-dimensional bar code financial elimination process according to a further embodiment of the present invention. [Description of main component symbols] S01~S03: Steps for processing methods of online financial consumption S11~S18: Step 1 of the processing flow of 2D barcode financial consumption: Display _ II · Product selection interface 111~113: Product barrier 12 Product selection interface 13, 13a: Consumer confirmation interface 131. 2D barcode transmission option 132: Change option 14: Communication pointing data input interface 141. Mobile phone 〖 Tiger code input shelf 142: Authentication code input field 143: Button 15: Contract account data input interface 151: Contract account data input block 16: Exchange rate conversion interface 21: Terminal device 26 201126439 22 : Product sales system 23: Network 24: 2D barcode generation server 25: Telecom system 26 26a: specific mobile device 27: two-dimensional bar code financial consumption processing device 28: financial institution 3: two-dimensional bar code financial consumption processing device • 31: financial card reading unit 3 2: communication unit 33: two-dimensional bar code reading unit 34 : Display unit 35 : Data processing unit 4 : Financial account database 51 : Financial card $ 52: Mobile device 53 : Paper 27