A7 B7A7 B7
五、發明說明（1 ) 本發明係關於一種經由一保證付款中心的交易付款方法與 系統，以及關於一種經由一保證付款中心的帳務管理方法 與系統。 發明背景 近年來隨者網際網路軟硬體開發技術成熟與設備普及，利 用網路做為訊息傳遞與資料收集的行為已越來越普遍。因為 上網的人數急遽增加，因而形成了另一個無遠弗屆的商業行 銷通路。網際網路交易行為與傳統一般交易有著明顯的不 同。·網路上的銷售摸式類似傳統的郵購，經由平面的圖片或 文字來達到行銷目的。而網路商家與一般郵購商的差別在於 郵購商做銷售時其行銷成本較高，而網路商家行銷成本較 低。利用此一通路做銷售其進入門襤低，只要懂得網頁開發 皆很容易上網做生意，因而造就了許多網路新貴。網路銷售 成本低相對利潤空間較高，且容易起步因而許多的交易網2 相繼成立。 ’ 圖1顯示習知的網路線上購物的大致架構，消費者丨至網路 商家2購物，@消費者1的付款方式大致有***付款、或 事後透祕彳f3或郵騎提供之付款管道進行付款/而付款 之對象皆為網路商家2。 然而因網路虛擬的特性，使得雖然許多網站快速成立，但 上網購物成長速度卻遠不及網站成長㈣度。因上纟^物與 郵購同樣是以非實物行銷，上網麟物風險遠較實體賭 =。其中網路購物的風險及不確定性是造成網路講物阻礙最 大的王因。消費者無法確知所購買的商 N 疋么具的如同網站 --------丨訂—II — (請先閱讀背面之注意事項再填寫本頁) .線0· 經濟部智慧財產局員工消費合作社印製 4 經濟部智慧財產局員工消費合作社印製 498250 A7 B7_ 五、發明說明（2 ) 上所描述的，更不知道該網站商家是否真的存在，交易有問 題時不知如何處理，而在網路交易的安全性方面，消費者更 是沒有把握其個人資料（如***號、有效期限、銀行帳號 或其他個人信用往來資料等）會否被網站商家取得後加以濫 用。另一方面網路所衍生的無實體交易或服務，以現有的一 般支付方式往往不能符合實際需要，因而許多的無實體網路 交易或服務常常無法蓬勃發展。 因此，有需要提供一種交易付款方法與系統，用以提昇網 / 路購物時網路交易安全性與可靠性，整合各式付款方式提供 購物付款便利性及提供小額付款機制，結合實體消費與網路 消費付款機能，並簡化商家銷帳作業。本發明可以達成上述 目的。 發明簡述 根據本發明一個實施例，係關於一種經由一保證付款中心 的交易付款方法，其包含下列步騾：在一使用者之一使用者 終端機與一商家之商家終端機間建立一通訊鍵路’以供使用 者選擇訂購商家所提供之商品；提供一保證付款中心終端 機，該保證付款中心終端機可接收代表商家的商家識別資 訊、代表使用者的使用者識別資訊、以及關於’使用者因訂購 商品而選擇付款方式的交易付款指示；以及該保證付款中心 終端機通知該使用者及商家終端機一交易付款作業結果以確 認交易，其中，該交易付款作業結果包括一保證付款期滿 日，而在從該交易確認後至保證付款期滿日的保證付款期 間，該保證付款中心終端機若未接收到來自使用者之一中止 一 5 - 本紙張尺度適用中國國家標準(CNS)A4規格（210 X 297公釐） —^---------裝---------訂--------1 線imF (請先閱讀背面之注意事項再·填寫本頁) 498250 A7 B7_ 五、發明說明（3 ) 該交易付款指示，保證付款中心便依據該使用者交易付款指 示之付款方式進行付款作業。 -------- (請先閱讀背面之注意事項再填寫本頁) 根據本發明此一經由一保證付款中心的交易付款方法，可 以提供交易保證，由於消費者付款時消費款並非直接入商家 帳戶，而是先將帳款入保證付款中心，由保證付款中心出具 保證支付，且所有付款訊息以及交易款項均進入該保證付款 中心而不必透過商家，故商家無從取得消費者如***號或 其他個人信用往來資料等個人資料，因此可以保證消費者上 / 網購4勿時的安全，並避免日後可能發生的糾紛。另外亦可確 保消費者能拿到與訂購時相同的商品，而商家亦可減少偽冒 的風險。 4 上述本發明的實施例，可進一步包括：在從該交易確認後 至保證付款期滿日的保證付款期間，回應接收到來自使用者 之一中止該交易付款指示，結束該交易付款作業的步騾。因 此，若有約定交易瑕疵發生，消費者可於付款保證期間内， 通知保證付款中心暫停付款。保證付款中心將依交易瑕疵約 定做消費者與商家交易協調。 經濟部智慧財產局員工消費合作社印製 上述本發明的實施例，可更包括：該保證付款中心為該使 用者經由該保證付款中心的交易提供交易風險保險的步騾。 保證付款中心向銀行或保險公司購買交易保險，以交易保險 做為消費保證。交易時對每筆交易將會留下交易紀錄及簽 章，作為日後交易糾紛時舉證。 根據本發明的一個實施例，消費者加入保證付款中心做交 易時，保證付款中心會給予會員帳號。會員可根據此帳號將 —6 — 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐） · 經濟部智慧財產局員工消費合作社印製 498250 -----^____ 五、發明說明（4 ) 肖費π人於人易如、夂易中、叉易後轉入會員專屬網路帳號。 轉入方式包含所有現在一般支付方式，郵局匯款、金融卡 ATM轉帳、網路銀行轉帳、***轉帳、臨櫃現金給付 等。此外，本發明另提供會員專戶付款款功能，會員可於事 先將曰常小额消費款轉入會員專屬帳戶，於小额付費時由會 員專戶中做支付。結合付款中心發給會員Z c S M A R 了 CARD，會員專戶帳款不但可於網路上消費也可於實體世界 做支付，其作用如同電子錢交易方式。 本發明的保證付款中心交易付款方法，可以提供網路收銀 機服務。當網路商家於網路開店時，商家本身僅需具備網站 經營能力。網路上之消費款收取，保證付款中心將與金融機 構合作，提供整合性收款服務。保證付款中心對於商家就如 同網路收銀機，提供單一且完整的銷帳機制。 此外，本發明的保證付款中心交易付款方法，可以提供使 用者網路理財（對帳單）的功能，保證付款中心將定期寄送付 款明細給會員，内容包含會員專戶帳務紀錄、於此期間付款 明細、待付交易明細。會員可依此做為消費帳戶控管用，並 可利用網路理財資料中待付交易提醒，直接於交易明細上點 選，指示保證付款中心付款。 本發明之其他目的、構造及特徵，茲配合圖式詳細說明如 后。 附圖間述 圖1顯示習知的網路線上購物的大致架構。 -7 - 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公--- ^ --------t--------r 線 (請先閱讀背面之注意事項再填寫本頁) 498250 經濟部智慧財產局員工消費合作社印製 A7 B7 五、發明說明（5 ) 圖2顯示本發明保證付款中心的架構。 圖3為本發明的一個實施例之保證付款中心系統架構。 圖4為本發明的一個實施例之保證付款中心交易付款流 程。. ' 圖5顯示本發明的一個實施例之保證付款中心帳務管理方 法的資金移轉。 圖6A，6B，6C，6D，6E顯示〆會員由商家網站購物後 登入保證付款中心付款頁面。 圖7 A ·，7 B，7 C、、7 D，7 E顯示一臨時會員由商家網站購 物後登入保證付款中心付款頁面。 圖8A，8B，則顯示一會員登入〆保證付款清算中心作帳 務管理頁面。 圖9A，9B，9C，9D顯示一會員登入一保證付款清算中 心作出金申請的動作。 FI 1 η λ , Α ^ ^ ^ 合g於入^保證付款清算中心 圖l〇A，10B，10C顯不一會貝么 作中止付款申請的動作。 FM】λ , , ^ ^ | g疹入一保證付款清算中心 圖11A，11B，11C顯不一會貝么 作中止付款申請的動作。 固1 1 A P々 成壤付款清算中心作信用 圖12A，12B顯示一會員登入一保办 卡儲值的動作。 ^ 妙#算中心作查詢的動 圖1 3顯示一會員登入一保證付分 作。 ^ 保證付款清算中心 圖1 4 A，1 4 B，則顯示一非會員登八 作帳務管理頁面。 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐） 丨 J-------- (請先閲讀背面之注意事項再填寫本頁)V. Description of the Invention (1) The present invention relates to a transaction payment method and system via a guaranteed payment center, and an account management method and system via a guaranteed payment center. BACKGROUND OF THE INVENTION In recent years, with the development of mature software and hardware technologies for the Internet and the popularization of equipment, the use of the Internet for information transmission and data collection has become increasingly common. The rapid increase in the number of people accessing the Internet has created another far-reaching commercial marketing channel. Internet transaction behavior is significantly different from traditional general transactions. · The sales model on the Internet is similar to the traditional mail order. It uses flat pictures or text to achieve marketing purposes. The difference between online merchants and ordinary mail order merchants is that mail order merchants have higher marketing costs when they make sales, while online merchants have lower marketing costs. Using this channel for sales has a low entry threshold. As long as you understand web development, it is easy to do business online, which has created many Internet upstarts. Online sales have low costs, relatively high profit margins, and are easy to start. As a result, many trading networks 2 have been established. 'Figure 1 shows the general structure of the conventional online shopping. Consumers shop at online merchant 2. The payment method of @Consumer 1 is generally credit card payment, or afterwards, through the payment channel provided by f3 or mail riding. Payments are made to / from online merchants2. However, due to the virtual nature of the Internet, although many websites are quickly established, the growth rate of online shopping is much slower than the growth rate of websites. Because listings and mail-orders are also marketed in non-physical form, the risks of online products are much higher than physical bets. Among them, the risks and uncertainties of online shopping are the biggest causes of online books. Consumers ca n’t know for sure what kind of business they bought is like a website -------- 丨 Order—II— (Please read the precautions on the back before filling out this page). Line 0 · Intellectual Property Bureau of the Ministry of Economic Affairs Printed by the employee consumer cooperative 4 Printed by the employee's consumer cooperative of the Intellectual Property Bureau of the Ministry of Economic Affairs 498250 A7 B7_ V. As described in the description of the invention (2), we do n’t know if the website merchant really exists, and I do n’t know how to deal with it if there is a problem with the transaction In terms of the security of online transactions, consumers are not sure whether their personal information (such as credit card numbers, expiration dates, bank account numbers, or other personal credit information) will be abused by website merchants. On the other hand, the intangible transactions or services derived from the Internet often cannot meet the actual needs with the existing general payment methods, so many intangible Internet transactions or services often cannot flourish. Therefore, there is a need to provide a transaction payment method and system to improve the security and reliability of online transactions when shopping online or on the road, integrate various payment methods to provide shopping convenience and provide a small payment mechanism, and combine physical consumption with online Road consumer payment function, and simplify merchants' billing operations. The present invention can achieve the above object. Brief Description of the Invention According to one embodiment of the present invention, a transaction payment method via a guaranteed payment center includes the following steps: establishing a communication between a user terminal of a user and a merchant terminal of a merchant Keyway 'for users to choose to order the goods provided by the merchant; provide a guaranteed payment center terminal that can receive the merchant identification information on behalf of the merchant, user identification information on behalf of the user, and about' A transaction payment instruction in which the user selects a payment method for ordering the goods; and the guaranteed payment center terminal notifies the user and the merchant terminal of a transaction payment operation result to confirm the transaction, wherein the transaction payment operation result includes a guaranteed payment period Full day, and during the guaranteed payment period from the confirmation of the transaction to the expiration date of the guaranteed payment period, if the terminal of the guaranteed payment center does not receive a suspension from one of the users 5-This paper size applies the Chinese National Standard (CNS) A4 specification (210 X 297 mm) — ^ --------- install --------- order -------- 1 line imF ( Notes on the back read again · Complete this page) 498250 A7 B7_ V. invention is described in (3) the transaction payment instructions to ensure payment center will work according to the user to make a payment transaction of payment means the payment method is shown. -------- (Please read the notes on the back before filling this page) According to the present invention, the transaction payment method through a guaranteed payment center can provide transaction guarantee, because the consumer's payment is not directly Enter the merchant account, but first enter the account into the guaranteed payment center, and the guaranteed payment center issues a guaranteed payment, and all payment information and transaction money enter the guaranteed payment center without going through the merchant, so the merchant cannot obtain the consumer's credit card number. Or other personal data such as personal credit data, so consumers can be safe when they are online / online shopping4 and avoid possible disputes in the future. It can also ensure that consumers can get the same products as when ordering, and merchants can reduce the risk of counterfeiting. 4 The above-mentioned embodiment of the present invention may further include the step of ending the transaction payment operation in response to receiving an instruction to terminate the transaction payment from one of the users during the guaranteed payment period from the confirmation of the transaction to the expiration date of the guaranteed payment period. Alas. Therefore, if an agreed transaction defect occurs, the consumer can notify the guaranteed payment center to suspend payment within the payment guarantee period. The guarantee payment center will customize the transaction coordination between consumers and merchants based on transaction defects. Printed by the Consumer Cooperative of the Intellectual Property Bureau of the Ministry of Economic Affairs The above-mentioned embodiments of the present invention may further include the steps of the guaranteed payment center providing transaction risk insurance for transactions of the user via the guaranteed payment center. The guarantee payment center purchases transaction insurance from a bank or insurance company, and uses transaction insurance as a guarantee of consumption. During the transaction, transaction records and signatures will be left for each transaction as evidence in future transaction disputes. According to an embodiment of the present invention, when a consumer joins a guaranteed payment center to conduct a transaction, the guaranteed payment center will give a member account. Members can use this account to —6 — This paper size applies Chinese National Standard (CNS) A4 (210 X 297 mm) · Printed by the Consumer Cooperatives of the Intellectual Property Bureau of the Ministry of Economic Affairs 498250 ----- ^ ____ V. Invention Explanation (4) Xiao Fei π will be transferred to the member's exclusive online account after being exchanged among people such as Yiruru, Yiyizhong, and forkyi. The transfer method includes all the current general payment methods, including post office remittance, debit card ATM transfer, online bank transfer, credit card transfer, and cash payment at the counter. In addition, the present invention also provides a payment function for members 'special accounts. Members can transfer regular small sums of money into a member's exclusive account beforehand, and make payments from members' special accounts when making small payments. In conjunction with the payment center, the card was sent to the member Z c S M A R, and the member's account can be used not only for online consumption but also for payment in the physical world, which functions like an electronic money transaction method. The guaranteed payment center transaction payment method of the present invention can provide a network cash register service. When an online merchant opens a shop online, the merchant itself only needs to have the ability to operate the website. The collection of consumer funds on the Internet guarantees that payment centers will cooperate with financial institutions to provide integrated collection services. The guarantee payment center provides a single and complete cancellation mechanism for merchants, just like a network cash register. In addition, the transaction payment method of the guaranteed payment center of the present invention can provide users with the function of online financial management (statement statement), and ensure that the payment center will regularly send payment details to members, including the account records of members' special accounts, Details of payment during the period and details of pending transactions. Members can use it as a consumer account control, and they can use the pending transaction reminders in the online financial data to directly click on the transaction details to instruct the payment center to guarantee payment. Other objects, structures, and features of the present invention are described in detail below with reference to the drawings. Brief Description of the Drawings Figure 1 shows the general structure of a conventional online shopping. -7-This paper size applies to China National Standard (CNS) A4 specification (210 X 297 male --- ^ -------- t -------- r line (please read the note on the back first) Please fill in this page again for details) 498250 A7 B7 printed by the Consumer Cooperatives of the Intellectual Property Bureau of the Ministry of Economic Affairs 5. Description of the invention (5) Figure 2 shows the structure of the guaranteed payment center of the present invention. Figure 3 shows the guaranteed payment center of an embodiment of the present invention System architecture. Figure 4 is a transaction payment flow of a guaranteed payment center according to an embodiment of the present invention. 'Figure 5 shows a fund transfer of a method of account management of a guaranteed payment center according to an embodiment of the present invention. Figures 6A, 6B, 6C , 6D, 6E display: members log in to the guaranteed payment center payment page after shopping from the merchant website. Figure 7 A ·, 7 B, 7 C, 7 D, 7 E display a temporary member logs in to the guaranteed payment center payment after shopping from the merchant website Figures 8A and 8B show a member login / guaranteed payment clearing center for account management pages. Figures 9A, 9B, 9C, 9D show a member login to a guaranteed payment clearing center to make a gold application. FI 1 η λ , Α ^ ^ ^ 合 g 于 入 ^ guaranteed payment Figures 10A, 10B, and 10C of the clearing center show a moment of inactivity. FM] λ,, ^ ^ | What is the action to suspend the payment application? Solid 1 1 AP々Chongqing Payment Clearing Center makes a credit picture 12A, 12B shows a member logging in to a guarantee card stored value. One member logs in and one guaranteed payment is split. ^ Guaranteed payment clearing center picture 1 4 A, 1 4 B, then a non-member registered eight account management page is displayed. This paper size applies Chinese National Standard (CNS) A4 specifications (210 X 297 mm) 丨 J -------- (Please read the notes on the back before filling in this page)
訂--------··線I 經濟部智慧財產局員工消費合作社印製 498250 A7 B7_ 五、發明說明（6 ) 圖1 5 A，1 5 B顯示一非會員登入一保證付款清算中心作中 止付款申請的動作。 圖1 6 A，1 6 B顯示一非會員登入一保證付款清算中心作中 止付款申請的動作。 圖17A，17B顯示一非會員登入（為臨時會員）一保證付款 清算中心作餘款出金的動作。 圖1 8 A，1 8 B顯示一非會員登入（為臨時會員）一保證付款 清算中心作***付款的動作。 / …本發明之詳細說明 參照圖2，本發明保證付款中心的基本架構為：在消費者 1與商家2買賣雙方中間架設一個保證付款平台（保證付款中 心4 )，消費者1付款之對象為保證付款中心4。保證付款中 心4主要會依據交易之商品種類提供每筆付款交易特定天數 之保證期，若保證期間無爭議，保證期滿後再將付款金額 撥入商家帳戶；若保證期間有爭議，消費者可提出中止付 款請求要求退款。此外保證付款中心也負責帳務處理，與 往來之銀行進行付款相關作業，如***請款。消帳等。 圖3為本發明的一個實施例之保證付款中心的電腦系統架 構。其中，一商家網站包括一商家終端機1 2，其可用以提 供該商家所販售商品之相關資訊以及代表該商家的商家識 別資訊。另外，一消費者可以透過一使用者終端機1 1，上 網以便在該商家網站上選擇訂購商家所提供之商品。本發 明所建立的保證付款中心系統1 0，主要含有一保證付款中 心網站包括一保證付款中心終端機1 0 1，該保證付款中心終 一 9 一 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐） —^--------—.——訂—I —.線赢 (請先閱讀背面之注意事項再填寫本頁) 498250 A7 B7___ 五、發明說明（7 ) 端機1 0 1可與商家終端機1 2及使用者終端機1 1相連，用以 接收代表商家的商家識別資訊、代表使用者的使用者識別 資訊、以及關於使用者因訂購商品而選擇付款方式的交易 付款指示。且該保證付款中心終端機1 0 1可通知該使用者終 端機1 1及商家終端機1 2 —交易付款作業結果以確認交易， 其中，該交易付款作業結果包括一保證付款期滿日。而在 從該交易確認後至保證付款期滿日的保證付款期間，該保 證付款中心終端機1 0 1若未接收到來自使用者之一中止該交 / 易付款指示，保證付款中心便依據該使用者交易付款指示 之付款方式進行付款作業。然而，在從該交易確認後至保 證付款期滿日的保證付款期間，若消費者發現有約定交易 瑕疵發生，便可向保證付款中心發出一中止該交易付款指 示，結束該交易付款作業的步驟。因此，若有約定交易瑕 疵發生，消費者可於付款保證期間内，通知保證付款中心 暫停付款。保證付款中心將依交易瑕疵約定做消費者與商 家交易協調。 根據本發明上述實施例，該經由一保證付款中心的交易付 款系統，可以提供交易保證，由於消費者付款時消費款並 非直接入商家帳戶，而是先將帳款入保證付款中心，由保 證付款中心出具保證支付。而且若消費者發現有商品有瑕 疵，也可以中止該交易，因此可以保證消費者上網購物時 的安全，確保消費者能拿到與訂購時相同的商品。 另外，圖3保證付款中心系統1 0包括一清算中心系統 1 0 0，此一请算中心系統1 0 0為保證付款中心系統1 0之核心 -10 - 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐） ——^---------^^裝 (請先閱讀背面之注意事項再填寫本頁) 訂-------- 線_. 經濟部智慧財產局員工消費合作社印製 經濟部智慧財產局員工消費合作社印製 A7 ---------— B7______ 五、發明說明（8 ) 作業：處理各類型交易，亦為整個交易保證付款機制之核 心。清算中心處理系統内所有交易之檢核，帳務之轉換， 肀議帳款之保留，退款交易處理，會員（詳下述）專戶資金 之轉入與轉出，保證付款與保證期間交易款之保險等。清 异中心可有多個清算單位，各個清算單位之帳務彼此獨 亙’所屬之會員也彼此獨立。 根據本發明上述實施例，可以採用會員制度，會員分成一 般會員、商家會員及臨時會員，一般會員需填寫會員資料 (含身分證字號、.***卡號、往來之銀行帳號及電子郵 件信箱等）並經由徵信審核後給予交易風險保險，消費時 並可參加系統提供之一切服務及優惠活動與R〇yalty program (如紅利回饋）；此外一般會員在保證付款中心 有會員專戶’一般會員可透過各種付款方式將資金轉入保 證付款中心下其所屬之會員專戶，作為將來付款之用。商 家會員僅具收款功能，成為商會員時需正式申請核准。臨 時會員指臨時加入系統交易之任何交易者，事前不需經由 申請及徵信，交易風險部分僅保證該筆交易之完成，消費 時無法享受系統提供之服務及優惠，在保證付款中心也無 會員專戶之設立。 會員網路交易之身分認證方式初期採會員編號及密碼認 證，將來可發放CA憑證，透過CA憑證作身分認證。 上述本發明之清算中心系統1 0 0可以透過一企業内部 I n t r a n e t網路而與一網路企業銀行系統1 4相連，此〆銀行 為整個系統中的實際帳款保留單位。每個清算單位會有一 本紙張尺度適用中國國家標準（CNS)A4規袼（210 X 297公釐） ---^---------裝---------訂--------d · (請先閱讀背面之注意事項再填寫本頁) -r^OZ,JU A7 B7 五、發明說明（9 =算銀行，且在清算銀行開設-清算專戶。此外也在多 :其：的往來銀行(圖未顯示)也開設清算專戶，保證付款 中心會在清算銀行清算專戶 _ 尸夂其他各豕銀行清算專戶之間 作貝至之凊算及f周撥。各會員 a、 文 男了在特疋足一個清算專戶作Order -------- · Line I Printed by the Consumer Cooperatives of the Intellectual Property Bureau of the Ministry of Economy 498250 A7 B7_ V. Description of the invention (6) Figure 1 5 A, 1 5 B shows a non-member login-guaranteed payment clearing The center has suspended the payment application. Figures 16A and 16B show the actions of a non-member logging in to a guaranteed payment clearing center to terminate a payment application. Figures 17A and 17B show a non-member login (as a temporary member)-a guarantee payment clearing center action of the remaining funds withdrawal. Figures 18 A and 18 B show a non-member login (as a temporary member) and a guaranteed payment. The clearing center acts as a credit card payment. / ... Detailed description of the present invention Referring to FIG. 2, the basic structure of the guaranteed payment center of the present invention is: a guaranteed payment platform (guaranteed payment center 4) is set up between the consumer 1 and the merchant 2 buyer and seller, and the payment target of the consumer 1 is Guarantee payment center 4. The guaranteed payment center 4 mainly provides a specific number of days for each payment transaction based on the type of product being traded. If there is no dispute during the guarantee period, the payment amount will be transferred to the merchant account after the guarantee period expires; File a suspension request for a refund. In addition, the guarantee payment center is also responsible for account processing and payment related operations with the correspondent banks, such as credit card payment. Cancellation of accounts, etc. Fig. 3 is a computer system architecture of a guaranteed payment center according to an embodiment of the present invention. Among them, a merchant website includes a merchant terminal 12 which can be used to provide information about the merchandise sold by the merchant and merchant identification information representing the merchant. In addition, a consumer can go online through a user terminal 11 to select and order the goods provided by the merchant on the merchant's website. The guaranteed payment center system 10 established by the present invention mainly includes a guaranteed payment center website including a guaranteed payment center terminal 101, and the guaranteed payment center 109. The paper standard is applicable to China National Standard (CNS) A4 specifications. (210 X 297 mm) — ^ --------—.—— Order—I —. Line Win (Please read the notes on the back before filling out this page) 498250 A7 B7___ V. Description of the invention (7 ) The terminal 1 0 1 can be connected to the merchant terminal 12 and the user terminal 11 to receive the business identification information representing the business, the user identification information representing the user, and information about the user's choices for ordering the product. Transaction payment instructions for payment methods. And the guaranteed payment center terminal 10 1 may notify the user terminal 11 and the merchant terminal 12-the transaction payment operation result to confirm the transaction, wherein the transaction payment operation result includes a guaranteed payment expiration date. During the guaranteed payment period from the confirmation of the transaction to the guaranteed payment expiration date, if the guaranteed payment center terminal 1 0 1 does not receive an instruction from one of the users to terminate the transaction / transaction payment, the guaranteed payment center will follow the instructions. Use the payment method of user transaction payment instruction to perform payment operation. However, during the guaranteed payment period from the confirmation of the transaction to the expiry date of the guaranteed payment period, if the consumer finds that an agreed transaction defect occurs, he can send an instruction to the guaranteed payment center to suspend the payment of the transaction and end the transaction payment operation . Therefore, if an agreed transaction defect occurs, consumers can notify the guaranteed payment center to suspend payment within the payment guarantee period. The guarantee payment center will customize the coordination between consumers and merchants according to the defects of the transaction. According to the above-mentioned embodiment of the present invention, the transaction payment system via a guaranteed payment center can provide transaction guarantees. Because the consumer does not directly enter the merchant's account when making a payment, the account is first entered into the guaranteed payment center and the guaranteed payment is made. The center issues a guaranteed payment. Moreover, if consumers find that there is a defect in the product, they can also terminate the transaction, so they can ensure the safety of consumers when shopping online and ensure that consumers can get the same products as when they ordered. In addition, Figure 3 guarantee payment center system 10 includes a clearing center system 100, which is the core of the guarantee payment center system 10-10-This paper standard applies to China National Standards (CNS) A4 specification (210 X 297 mm) —— ^ --------- ^^ (please read the precautions on the back before filling this page) Order -------- Line _. Economy Printed by the Consumer Cooperatives of the Ministry of Intellectual Property Bureau and printed by the Consumer Cooperatives of the Ministry of Economics and Intellectual Property Bureau of the Ministry of Economic Affairs Printed A7 ------------- B7______ V. Invention Description (8) Assignment: Handle all types of transactions and guarantee the entire transaction The core of the payment mechanism. The clearing center handles all transactions in the system, audits the conversion of accounts, negotiates account retention, refund transaction processing, members (details below) transfer of funds into and out of special accounts, guarantees payment and guarantees period transactions Insurance, etc. The settlement center can have multiple clearing units, and the accounts of each clearing unit are independent of each other. The members to which they belong are also independent of each other. According to the above embodiment of the present invention, a membership system can be adopted. Members are divided into general members, business members and temporary members. General members need to fill in member information (including ID card number, credit card number, current bank account number, and email address, etc.) and After credit verification, transaction risk insurance is provided. When consuming, you can participate in all services and benefits provided by the system and the Royalty program (such as bonus rewards). In addition, ordinary members have a member account in the payment center. Various payment methods transfer funds to the member's special account under the guaranteed payment center for future payments. Merchant members only have the function of receiving money. When they become merchant members, they must apply for approval. Temporary member refers to any trader who temporarily joins the system transaction without prior application and credit. The transaction risk part only guarantees the completion of the transaction, and cannot enjoy the services and benefits provided by the system when consuming. There is no member in the payment center. Establishment of special accounts. The identity authentication method for members' online transactions adopts member ID and password authentication at the initial stage, and CA certificates can be issued in the future, and CA certificates are used for identity authentication. The above-mentioned clearing center system 100 of the present invention can be connected to an online corporate banking system 14 through an intranet I n t r a n e t network. This bank is the actual unit of account retention in the entire system. Each clearing unit will have a paper size applicable to the Chinese National Standard (CNS) A4 Regulations (210 X 297 mm) --- ^ --------- install --------- order -------- d · (Please read the notes on the back before filling out this page) -r ^ OZ, JU A7 B7 V. Description of the invention (9 = Calculating bank, and opening a clearing bank-clearing account . In addition, there are many: its: bank accounts (not shown in the figure) also set up clearing accounts, to ensure that the payment center will clear the clearing bank clearing account _ corpse other bank clearing accounts And week f. Members a and Wennan worked in a clearing account for special accounts.
貝金之轉出及轉入。合S周非乂丄r〇 P j、A a胃⑽仏用卡方式將資金轉入之方 式為虛擬銀行帳號轉帳。 至於消費者的付款方式分為現付、會員專戶付款及預約付 :。現：是指會員付款時即時付款，如***、電子現金 :。.會貝專戶付款是指一般會員動用事先存入會員專戶之 =金付款。預約付款是會員S進行付款指示，事後再付 款。上述付款方式在圖4的交易付款流程中會有詳細說明。 另外’本“亦可支援SET及NQn SET之電子安全交易機 制。 圖4顯示本發明的一個實施例之保證付款中心交易付款流 私。首先，一會員連接進入一商家網站（s ”，進行一交易 (S2)後’代表商家的商家識別資訊、代表使用者的使用者 識別資訊、以及關於使用者因訂購商品而選擇付款方式的 交易付款指示等資料便傳輸至一清算中心網站（s 3 )。而會 員可以進一步選擇付款方式為現付、會員專戶付款或預約 付款。現付是指會員付款時即時付款，如***（s32)、電 子現金等。會員專戶付款是指一般會員動用事先存入會員 專戶I資金付款，此時該保證付款中心檢核該使用者會員 專戶之資金餘額（S 3 1 )，以供後續進行付款作業。另外，預 約付款是會員先進行付款指示，事後再付款。 -12 — 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐） j--------導衷 (請先閱讀背面之注意事項再填寫本頁) 訂---- ..4 經濟部智慧財產局員工消費合作社印製 498250Beckin's transfer out and transfer in. In the case of non-Pr0, Pj, Aa, the method of transferring funds by card is virtual bank account transfer. As for consumers' payment methods, they are divided into cash payment, member account payment and appointment payment :. Cash: Means immediate payment when members pay, such as credit cards, electronic cash :. .Payment by special account means that the average member pays in advance by depositing in the special account of the member. Scheduled payment is a payment instruction issued by the member S, and payment is made afterwards. The above payment method will be explained in detail in the transaction payment process of FIG. 4. In addition, "this" can also support the electronic security transaction mechanism of SET and NQn SET. Figure 4 shows an embodiment of the present invention to ensure that the payment center transaction payment flow is private. First, a member connects to a merchant website (s), and performs a After the transaction (S2), information such as the merchant's identification information on behalf of the merchant, user identification information on behalf of the user, and transaction payment instructions regarding the user's choice of payment method for ordering goods are transmitted to a clearing center website (s 3) . And members can further choose the payment method as cash, member account payment or appointment payment. Cash payment refers to the member's immediate payment when payment, such as credit card (s32), electronic cash, etc. Member account payment refers to the general members using the advance Deposit into the member's special account I for payment. At this time, the guaranteed payment center checks the user's member's special account's fund balance (S 3 1) for subsequent payment operations. In addition, reservation payment is the member's first payment instruction. Pay after the event. -12 — This paper size applies to the Chinese National Standard (CNS) A4 (210 X 297 mm) j -------- Guideline (please (Please read the notes on the back before filling this page) Order ---- ..4 Printed by the Consumer Cooperatives of the Intellectual Property Bureau of the Ministry of Economic Affairs 498250
五、發明說明（ 在確認了—付款交易新增（S4)之後，若會員係採取信用 卡現付的付款方式（S32)，則清算中心會進行***請款作 業（S4 1)。若會員係採取預約付款的付款方式，例如包括信 用卡付款（S42)或在銀行存轉帳額（S42)，若是後者則會進 一步包括檢查付款金額是足夠的步騾（S45)，若不足使;者 便中止該付款（S47)而結束交易（S48)，另尚需檢查是否在 付款期限前有足夠的付款金額，若付款期限已過便取消交 易（S48)。 / 然而，在攸该交易-確認後至保證付款期滿日的保證付款期 間，若消費者發現有約定交易瑕威發生，便可向保證付款 中〜發出一中止該义易付款指示（s 5 ) ( s 5丨）。此時保證付款 中心會通知商家消費者已發出一中止該交易付款指示 (S52)，並在一中止交易付款確認（S53)後進行結算退款作 業（S 5 4 )。反之’若消費者並未發出一中止該交易付款指 示、或雖發出一中止該交易付款指示但其中止該交易付款 指示不被核准，則進行撥款作業（s 6 )。 圖5顯示本發明的一個實施例之保證付款中心帳務管理方 法的貝金移轉。該實施例揭示一種經由一保證付款中心的 帳務管理方法，該保證付款中心具有一清算專戶包括··一 使用者專戶（或會員專戶）（51)，用以存放屬於一般使用者 所有之資金；一保證付款專戶（52)，用以存放由使用者指 示欲作為交易付款之資金；一代收專戶（5 3 )，用以存放由 使用者指示欲中止交易付款之資金；及一手續費專戶 (5 4 )，供由該商家會員專戶扣除交易之相關手續費轉入 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐） (請先閱讀背面之注意事項再填寫本頁) rr裝---- 訂--------·'. 經濟部智慧財產局員工消費合作社印製V. Description of the invention (After confirming-after the payment transaction is newly added (S4), if the member uses the credit card payment method (S32), the clearing center will perform a credit card payment operation (S4 1). If the member is using The payment methods for appointment payment, for example, include credit card payment (S42) or bank transfer (S42), if it is the latter, it will further include checking that the payment amount is sufficient (S45). If it is not enough, the payment will be suspended. (S47) and close the transaction (S48), it is necessary to check whether there is a sufficient payment amount before the payment period, and cancel the transaction if the payment period has expired (S48). However, after the transaction-confirmation, the payment is guaranteed During the guaranteed payment period on the expiry date, if the consumer finds that the agreed transaction has occurred, they can send a guarantee payment instruction to the guarantee payment ~ (S 5) (s 5 丨). At this time, the Guarantee Payment Center will Notify the merchant that the consumer has issued an instruction to suspend the payment of the transaction (S52), and perform a settlement refund operation (S 5 4) after suspending the payment confirmation of the transaction (S53). Otherwise, if the consumer has not issued a If the transaction payment instruction is terminated, or if the transaction payment instruction is suspended but the transaction payment instruction is not approved, the appropriation operation is performed (s 6). FIG. 5 shows a guaranteed payment center account according to an embodiment of the present invention. Beckin transfer of management method. This embodiment discloses a method of account management via a guaranteed payment center, which has a clearing account including a user account (or member account) (51) , Used to store funds owned by general users; a guaranteed payment account (52), used to store funds instructed by the user to pay as a transaction; a special collection account (53), used to store funds used by The person instructed to suspend the payment of the transaction payment; and a special account (5 4) for the transaction fee deducted by the merchant member's special account into this paper standard applicable Chinese National Standard (CNS) A4 specification (210 X 297 mm) (Please read the notes on the back before filling out this page) rr Pack ---- Order -------- '. Printed by the Consumer Cooperative of Intellectual Property Bureau of the Ministry of Economic Affairs
五、發明說明（11) 經濟部智慧財產局員工消費合作社印製 用。會員專戶（51)之資金屬於一般會員。會員進行付款交 易時’付款之金額轉入保證付款專戶下，若會員在保證期 間提出中止付款要求，則付款金额轉入代收專戶（5 3 )，否 則在保證期滿後將撥至商家之會員專戶下並從商家之會員 專卢扣除交易手續費及***收續費轉至手續費專戶 (5 4 )’手續費專戶（5 4 )之資金屬於保證付款中心之手績費 收入。 在此更整理列出本發明保證付款中心可以提供的系統功 能：· … 銀行介面： 清算專戶轉帳資料即時接收、清算專戶出金—整批轉 帳、讀取回覆磁片、***-取得授權碼、中止授權、請 款、退款。 商冢W e b功幹: 商家連線模組、商家出金申請、商家各項查詢作業、商 家紅利點數買賣、銷帳檔案下傳。 X一易會馬（一般會時會員）w e h分带: 會貝申請、會員資料維護、會員專戶出金申請、銷戶申 請、***儲值、付款指示、中止付款指示、中止付款指 示、紅利兑換、交易資訊及帳務資訊檔案下傳、各項查 詢、相關資訊E M a i 1發送。 丨丨—訂—丨—線 (請先閱讀背面之注意事項再填寫本頁)V. Description of Invention (11) Printed by the Consumer Cooperatives of the Intellectual Property Bureau of the Ministry of Economic Affairs. The funds of the member account (51) belong to ordinary members. When a member conducts a payment transaction, the amount of the payment is transferred to the guaranteed payment account. If the member requests payment suspension during the guarantee period, the payment amount is transferred to the collection account (5 3), otherwise it will be transferred to the account after the guarantee period expires. The merchant's member account and the transaction fee and credit card renewal fee are deducted from the merchant's member account and transferred to the commission account (5 4). The commission fee (5 4) belongs to the performance fee of the guaranteed payment center. income. The system functions that can be provided by the guarantee payment center of the present invention are listed here: ·… Bank interface: Real-time receipt of clearing account transfer data, clearing account withdrawal-bulk transfer, read reply magnetic disk, credit card-obtain authorization Code, suspension of authorization, payment, refund. Shangzuo Web: Merchant connection module, merchant withdrawal application, various inquiry operations of merchants, merchant bonus points purchase and sale, and downloading of account files. X Yiyi Huima (common member during general meeting) weh: band application, membership information maintenance, member account withdrawal application, account cancellation application, credit card stored value, payment instruction, payment suspension instruction, payment suspension instruction, bonus Exchange, transaction information and account information file download, various inquiries, related information EM ai 1 sent.丨 丨 —Order— 丨 —Line (Please read the notes on the back before filling this page)
A7 B7 五、發明說明（ 12 ) Ι證付款中心系統： 系統基本資料維護及查詢、會員管理、商家管理、清 算單位基本資料及相關設定檔維護。 專戶出轉帳作業、商家及清算中心紅利專戶存提及轉 換、***交易查詢及消帳作業、會員中止付款處理、相關 資訊E M a i 1發送。 每曰帳務批次作業（會員中止付款通知商家、***請款 及退#欠作業，、撥款、帳單產生）、每月批次作業（月報表 產生）各項查詢及報表作業、資料庫備份及回復。 為使本發明的實施能被更具體了解，圖6至圖18為顯示本 發明的一個實施例之操作網頁圖。 圖6 A，6 B，6 C，6 D，6 E顯示一會員由商家網站購物後 登入保證付款中心付款頁面，其中圖6(：顯示該會員係採用 現金專戶的預約付款，而在圖6 D傳回一交易成功確認之 後，使用者可以選擇回購物網站而繼續購物（如圖6 e)。 圖7 A，7 B，7 C，7 D，7 E顯示一臨時會員由商家網站購 物後登入保證付款中心付款頁面’其中圖7 A，7 B顯示臨時 會員設定交易密碼及密碼提示問題與提示答案後，登入保 證付款中心付款頁面。圖7 C顯示該臨時會員提供其電子郵 件住址後亦可以預約付款，而畫面亦可提示付款方式，而. 在圖7 D傳回一交易成功確認之後，使用者可以選擇回購物 網站而繼續購物（如圖7 E)。。 圖8 A，8 B，則顯示一會員登入一保證付款清算中心作帳 務管理頁面以及某一清算單位（如圖示的華綾清算中心）提 本紙張尺度適用中國國家標準（CNS)A4規格（210 χ 297公釐） — ΙΊ--------«裝 (請先閲讀背面之注意事項再填寫本頁) 訂--------·!· 經濟部智慧財產局員工消費合作社印製 經濟部智慧財產局員工消費合作社印製 观250 A7 -------B7___________ 五、發明說明（13 ) 供的會員功能選單。 圖9A，9B ’ 9C，9D顯示一會員登入一保證付款清算中 心作出金申請的動作，圖9 A顯示出金申請相關資訊，可供 會員選擇【申請轉出之專戶類別】，圖9B顯示若選擇了 【現金專戶】會出現該會員的【出金銀行代碼】及【出金 銀行代號】及【出金金額】可供輸入，圖9C顯示若選擇了 【***專戶】會出現該會員的【***卡號】及【信用 卡有效迄曰】及【出金金額】可供輸入，圖9D顯示一出金 / 申請完成訊息畫面.。_ 圖10A，10B，i〇c顯示一會員登入一保證付款清算中心 作中止付款申請的動作，圖i 〇 A顯示所有可中止付款交易， 點選欲中止付款交易，圖i 0 B顯示輸入中止付款原因，圖 1 〇 C顯示中止付款執行結果。 圖1 1 A ’ 1 1 B，1 1 c顯示一會員登入一保證付款清算中心 作中止付款申請的動作，圖1丨A顯示顯示所有可中止付款 又易，點選欲中止付款交易，圖1 1 B顯示輸入中止付款原 因，圖1 1 C顯示中止付款執行結果。 圖1 2 A，1 2 B顯示一會員登入一保證付款清算中心作信用 卡儲值的動作，圖12A顯示顯示***儲值相關資訊，可輸 入***儲值金額，圖12B顯示***儲值金額訊息。 圖1 3顯示一會員登入一保證付款清算中心作查詢的動 作，會員選擇【查詢種類】，跳出該查詢種類的【查詢條 件】，選擇【查詢條件】，再依種類及條件條件的不同跳 至不同的輸入畫面。 一 16 - 本紙張尺度適用中國國家標準（CNS)A4規格(210 X 297公釐） "" ------- (請先閲讀背面之注意事項再填寫本頁) 訂-------- •線·_ 498250 經濟部智慧財產局員工消費合作社印製 A7 B7 五、發明說明（14) 圖14A，14B，則顯示一非會員登入一保證付款清算中心 作帳務管理頁面以及某一清算單位（如圖示的華鉸清算中心） 提供的非會員功能選單。 圖1 5 A，1 5 B顯示一非會員登入一保證付款清算中心作中 止付款申請的動作，圖1 5 A顯示輸入中止付款原因（如已有 轉帳且金額不***易金額，輸入出金銀行及帳號），圖15B顯 示中止付款結果。 圖16A，16B顯示一非會員登入一保證付款清算中心作中 / 止付款申請的動作，-圖16A顯示輸入中止付款原因，圖ι6Β 顯示中止付款結果。 圖17A，17B顯示一非會員登入（為臨時會員）一保證付款 清算中心作餘款出金的動作，圖丨7 A顯示於程式中先判斷 這臨時會員的【出金方式】及【出金金額】，晝面上會顯 示出餘款出金相關資訊，圖1 7 B顯示出金成功訊息畫面。 圖1 8 A , 1 8 B顯示一非會員登入（為臨時會員）一保證付款 清算中心作***付款的動作，圖丨8 A顯示自資料庫中帶 出【付款金額】，供臨時會員輸入***資料，圖丨8 B顯 示成功訊息。 本發明之特點及技術内容已充分揭示如上，任何熟於本項 技藝之士可依據本發明之揭示及教示而作各種不背離本發明 精神之替換或修飾，因此本發明之保護範圍不應限於所揭示 之實施例，而應涵蓋這些替換及修飾。 -17 - 本紙張尺度翻中國國家標準（cnsjx4規格（210 x 297公楚） (請先閱讀背面之注意事項再填寫本頁) ---------訂---------—線A7 B7 V. Description of the Invention (12) I Certificate Payment Center System: Maintenance and inquiry of system basic data, member management, merchant management, clearing unit basic data and related configuration file maintenance. Special account transfer operations, merchants and clearing center bonus account deposits mentioned transfers, credit card transaction inquiry and cancellation operations, membership suspension payment processing, and related information E M a i 1 sent. Each batch of account operations (members notify the merchant of payment suspension, credit card repayments and refunds #owing operations, grants, bill generation), monthly batch operations (monthly report generation), various query and report operations, and database Backup and restore. To enable the implementation of the present invention to be more specifically understood, FIG. 6 to FIG. 18 are diagrams showing an operation webpage of an embodiment of the present invention. Figures 6 A, 6 B, 6 C, 6 D, and 6 E show a member logging in to the payment page of the guaranteed payment center after making a purchase from a merchant's website. Figure 6 (: shows that the member uses the cash account to make an appointment payment. After 6 D returns a successful transaction confirmation, the user can choose to go back to the shopping site and continue shopping (Figure 6 e). Figure 7 A, 7 B, 7 C, 7 D, 7 E shows a temporary member shopping from the merchant website After logging in to the payment page of the guaranteed payment center, where Figure 7 A and 7 B show the temporary member to set the transaction password and password prompt questions and prompt answers, log in to the payment page of the guaranteed payment center. Figure 7 C shows that the temporary member provided his email address You can also make an appointment for payment, and the screen also prompts the payment method. After a successful confirmation is returned in Figure 7D, the user can choose to return to the shopping site and continue shopping (Figure 7 E). Figure 8 A, 8 B, it shows that a member logs in to a guaranteed payment clearing center as the account management page and a clearing unit (such as the Huaying clearing center shown in the picture) paper size is applicable to China National Standard (CNS) A4 specifications (210 χ 297 mm) — ΙΊ -------- «Installation (please read the precautions on the back before filling this page) Order -------- ·! · Employee Consumer Cooperatives, Intellectual Property Bureau, Ministry of Economic Affairs Printed View of 250 A7 ------- B7___________ of the Consumer Cooperatives of the Intellectual Property Bureau of the Ministry of Economic Affairs of the People's Republic of China 5. The invention description (13) Member function menu provided. Figures 9A, 9B '9C, 9D shows a member login and a guarantee The payment clearing center makes a gold application action. Figure 9 A shows the relevant information of the gold application. Members can choose [Special account type for transfer application], and Figure 9B shows that if [Cash special account] is selected, the member ’s [ Withdrawal Bank Code] and [Withdrawal Bank Code] and [Withdrawal Amount] are available for input. Figure 9C shows that if [Credit Card Account] is selected, the member's [Credit Card Number] and [Credit Card Valid] and [Withdrawal amount] is available for input. Figure 9D shows a withdrawal / application completion message screen. _ Figures 10A, 10B, and ioc show a member logging in to a guaranteed payment clearing center to cancel the payment application, figure i 〇 A shows all payment transactions that can be suspended, click To stop the payment transaction, Figure i 0 B shows the reason for entering the payment suspension, and Figure 10 OC shows the execution result of the payment suspension. Figure 1 1 A '1 1 B, 1 1 c shows a member login to a guaranteed payment clearing center for payment suspension application Figure 1 丨 A shows all payments that can be suspended and is easy. Click on the payment transaction to be suspended. Figure 1 1 B shows the reason for entering the payment suspension, and Figure 1 1 C shows the execution result of the payment suspension. Figure 1 2 A, 1 2 B shows that a member logs in to a guaranteed payment clearing center to make a credit card stored value. FIG. 12A shows a card credit stored value related information. A credit card stored value can be entered, and FIG. 12B displays a credit card stored value message. Figure 13 shows the action of a member logging in to a guaranteed payment clearing center to make an inquiry. The member selects [Query Type], jumps out of [Query Condition] for the query type, selects [Query Condition], and then skips to different types and conditions. Different input screens. 1 16-This paper size applies to China National Standard (CNS) A4 (210 X 297 mm) " " ------- (Please read the precautions on the back before filling this page) Order --- ----- • Line · _ 498250 Printed by A7 B7, Employee Cooperative of Intellectual Property Bureau, Ministry of Economic Affairs V. Description of Invention (14) Figures 14A and 14B show a non-member login to a guaranteed payment clearing center for account management page And a non-member function menu provided by a clearing unit (such as the Hua Hin Clearing Center shown in the picture). Figures 15A and 15B show the actions of a non-member logging in to a guaranteed payment clearing center to terminate the payment application. Figure 15A shows the reason for entering the payment suspension (if the transfer has been made and the amount is less than the transaction amount, enter the deposit bank and Account number), Figure 15B shows the result of the payment suspension. Figures 16A and 16B show the actions of a non-member logging into a guaranteed payment clearing center to make / stop payment applications,-Figure 16A shows the reason for inputting payment suspension, and Figure 6B shows the result of payment suspension. Figures 17A and 17B show the actions of a non-member logging in (as a temporary member) and guaranteeing the payment and clearing center to make a balance withdrawing money. Figure 丨 7A shows in the program to determine the [withdrawal method] and [withdrawal of the temporary member] first. Amount], and the relevant information about the withdrawal of funds will be displayed on the day. Figures 8 A and 18 B show a non-member login (as a temporary member) and a payment clearing center to make a credit card payment. Figure 丨 8 A shows the [payment amount] brought from the database for temporary members to enter their credit cards. Data, Figure 丨 8 B shows success message. The features and technical contents of the present invention have been fully disclosed as above. Any person skilled in the art can make various substitutions or modifications without departing from the spirit of the present invention in accordance with the disclosure and teachings of the present invention. Therefore, the protection scope of the present invention should not be limited to The disclosed embodiments should cover these substitutions and modifications. -17-This paper is based on the Chinese national standard (cnsjx4 size (210 x 297 cm) (Please read the precautions on the back before filling this page) --------- Order ------- ---line