TW544605B - System for facilitating a transaction - Google Patents

System for facilitating a transaction Download PDF

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Publication number
TW544605B
TW544605B TW090105211A TW90105211A TW544605B TW 544605 B TW544605 B TW 544605B TW 090105211 A TW090105211 A TW 090105211A TW 90105211 A TW90105211 A TW 90105211A TW 544605 B TW544605 B TW 544605B
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Taiwan
Prior art keywords
transaction
cardholder
account
stn
merchant
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TW090105211A
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English (en)
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Lydia Breck
Jessica Zoob
Glen Salow
Katie Cunningham
Martin Wittwer
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American Express Travel Relate
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/383—Anonymous user system
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00—Administration; Management
    • G06Q10/04—Forecasting or optimisation specially adapted for administrative or management purposes, e.g. linear programming or "cutting stock problem"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/14—Payment architectures specially adapted for billing systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G06Q20/206—Point-of-sale [POS] network systems comprising security or operator identification provisions, e.g. password entry
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/346—Cards serving only as information carrier of service
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3672—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes initialising or reloading thereof
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/04—Billing or invoicing
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
    • G07C9/00—Individual registration on entry or exit
    • G07C9/20—Individual registration on entry or exit involving the use of a pass
    • G07C9/28—Individual registration on entry or exit involving the use of a pass the pass enabling tracking or indicating presence
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
    • G07C9/00—Individual registration on entry or exit
    • G07C9/20—Individual registration on entry or exit involving the use of a pass
    • G07C9/29—Individual registration on entry or exit involving the use of a pass the pass containing active electronic elements, e.g. smartcards
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Marketing (AREA)
  • Human Resources & Organizations (AREA)
  • Computer Security & Cryptography (AREA)
  • Technology Law (AREA)
  • Game Theory and Decision Science (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Operations Research (AREA)
  • Quality & Reliability (AREA)
  • Tourism & Hospitality (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Description

經濟部智慧財產局員工消費合作社印製 544605 A7 B7 五、發明說明（I ) 發明領域 本發明一般而言係關於利用一從屬交易號碼，以完成 交易之系統，其中此從屬交易號碼係關聯到一主要交易 卡。更進一步地說，本系統允許一持卡人用一私人的、有 限使用的（limited-use)的交易號碼付錢給商家，而不必 像商家或其他人透露此持卡人的主要付款卡號碼（primary charge card number )。另外，本發明提供登記 (registration )、號碼產生(number generation )、結盟 (association)、授權（authorization)、結帳（settlement)、 以及客戶服務程序，以達到一更佳的安全私密交易系統。 發明背景 網際網路使用的激增成就了興盛的電子商務產業，客 戶可以用各種非傳統的方式，如網際網路、電話銷售 (telephone sales)、無線、互動式電視等等，取得越來越 多的產品與服務。舉例來說，在傳統的線上客戶一商家交 易中，客戶通常將從簽帳卡、電話卡、***或其他交易/ 月艮務卡（如美國運通®、VISA®、Mastercard®與Discover Card®、AT&T®、MCI®等等）而來的交易號碼（如付款卡 號）交予商家。透過這些傳統方式之交易號碼傳輸產生許 多欺詐（fraud)的機會。換句話說，這些號碼有可能在傳 輸過程中、傳輸之後，或者是當電子式儲存於商家的線上 或離線位置時遭到攔截。考慮到商家並沒有看到實卡時付 款卡欺詐的日益增加，消費者對於將她們實際付款卡號碼 4S&W/200105TW; 40655.0720 1 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) 裝--------訂---- 華· 經濟部智慧財產局員工消費合作社印製 544605 A7 B7 五、發明說明（丄） 給商家（或其他聲稱自己是商家的未知第三者）這件事， 變的越來越小心。交易或付款卡號碼在本篇專利中係使用 並定義以包含任何種類的帳號，這些帳號係用以完成任何 交易、交換或產品與服務的遞送。 在傳統的線上購買中，消費者通常瀏覽網際網路以尋 找欲購買之物。當消費者結束購物，並想要購買一物品時， 此消費者通常進行到一虛擬結帳台（virtual checkout )，在 那裡消費者被詢問付款與送貨的資訊。然後此消費者通常 必須輸入適當的送貨與***資訊，消費者直接從消費者 實際的***上讀出***號碼。然後此資訊以電子方式 透過一大眾網際網路傳輸。雖此傳輸通常會加密，仍有可 能在傳輸到商家的路程中被攔截。然而，更有可能是此號 碼將被無恥的第三方，如不誠實的商家雇員，以欺詐的方 式所利用。 除了前述例子之外，還有許多其他方式的***謊報 也爲產業界所常見者。爲了將這些與類似之***欺詐的 問題降到最低，銀行與其他***機構，已經開始探討提 供使用者暫時性的交易號碼以完成線上交易的方法，實際 的***並不會透露給商家或任何第三方。 舉例來說，核發給富蘭克林（Franklin)等人的美國 專利案案號第5,883,810號，揭露了一種可以完成交易的 系統，其中客戶可以登記並簽署一線上商務卡（online commerce card)。此線上商務卡不以實體形式存在，而是 以數位形式存在且可以被規劃成線上商務之用。發卡銀行 4S&W/200105TW: 40655.0720 2 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐） -----------裝--------訂·-------- (請先閱讀背面之注意事項再填寫本頁) 經濟部智慧財產局員工消費合作社印製 544605 A7 B7 五、發明說明（3 ) 以簽署的數位證明核發此數位卡給客戶，藉此維繫客戶與 銀行的關係，並提供客戶一軟體模組（software module)， 當客戶使用此商務卡以執行線上交易時，此軟體模組可被 引發。此線上商務卡被指定到發卡銀行的一永久客戶帳 號，且此商務卡不會發給客戶。在富蘭克林的發明中，當 一客戶想要進行一線上購買時，此客戶從銀行要求一交易 號碼，此交易號碼只能使用於單一一次交易，且具有一定 時效。此單一交易號碼被提交給一商家以完成一次購買， 然後商家處理此交易號碼以進行授權與結帳，這當中發卡 銀行視需要交換並再交換此單一交易號碼與客戶帳號，以 確保實際的帳號並沒有流入第三者手中。 雖然富蘭克林揭露的此單一次使用的交易號碼，針對 傳統的線上交易方法提出一些改善，仍存在許多問題。舉 例來說，富蘭克林的系統，其必須產生不以實體存在的一 數位加鎖之線上交易商務卡，此系統要求客戶登記並使用 一指定的數位證明。此外，此系統要求客戶下載模組以完 成此登記與交易程序。雖然富蘭克林提到此商務卡是被被 規劃成讓客戶得以使用此商務卡於一些領域，在這些領域 中客戶以前通常係應用一付款卡。富蘭克林並無揭露一客 戶現存的塑膠***號可以用來完成安全的交易。尤其， 富蘭克林反而需要持卡人事先簽署並登記一線上商務卡， 此商務卡並不是持卡人現在持有的實體***，而是非實 體的數位卡。此外，富蘭克林的單一交易號碼無法進行多 重付款的安排，也就是，購買只有一次但需要多次付款。 4S&W/200105TW; 40655.0720 3 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐） -----------裝--------訂--------- (請先閱讀背面之注意事項再填寫本頁) 經濟部智慧財產局員工消費合作社印製 544605 A7 B7 五、發明說明（4) 還有一些文獻亦揭露針對使交易更安全的努力，例 如，舉例來說，在1999年9月30日公告的PCT申請案， WO 99\49424，以及2000年8月24日公告的PCT申請案 W0 99\49586 (整體形成“OrhV )，在此皆作爲參考，都 是企圖延伸並改善暫時交易號碼的使用。其中Orbis揭露 有限使用的***號碼，此號碼係與一 master***合倂 使用（實體***）。
Orbis揭露使用此有限使用的***號碼以與商家交 易，這樣一來實體***並沒有透露給商家或其他第三 者。在Orbis中，舉例來說，銀行或發卡者核發給持卡人 一未啓動的有限使用***號碼，此號碼與持卡人的 master***一起使用。在一線上交易中，持卡人啓動有 限使用***，並提供此號碼給商家以完成交易。當遞交 給發卡者以進行授權時，發卡者尤其要驗證使用條件是否 符合。如果條件符合，發卡者提供商家一核准碼（approval code)，此核准碼再結帳過程中會一直伴隨著付款請求。然 而，如果在授權過程中某些使用條件不符合，發卡者會停 用此有限使用***。一旦此有限使用***被停用，商 家將無法收到帳款，交易也無法進行到結帳。相反的，如 果進行授權的不是有限使用***，並且商家選擇進行交 易來結帳，結帳可能稍後會發生而商家可能收到帳款，然 而商家要承擔責任風險（incumbent risk)，事後如果持卡 人有爭議，很有可能會退款。 在先前技術的系統中，如果牽涉到暫時號碼的交易因 4S&W/200105TW; 40655.0720 4 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐） -----------裝--------訂--------- (請先閱讀背面之注意事項再填寫本頁) 經濟部智慧財產局員工消費合作社印製 544605 A7 B7 五、發明說明（5) 爲無法滿足某些有限使用條件，此號碼會被停用，且不會 處理到結帳。在真實世界環境中，這會造成一些問題。舉 例來說，許多線上或電話購買式多次付款的購買，購買的 東西只有一項但是要使用多次分期付款以完成交易。雖然 消費者通常可以直接取得產品，但也有很多情況直到完成 所有付款才送貨。先前技術系統有時候會造成一種情形， 在多次付款的過程中暫時號碼被停用了，而付款尙未淸 償，會造成產品不會遞送到消費者。 就如同之前提到的，先前技術系統通常使用授權程序 來決定有限使用條件是否符合。在授權過程中使用的比 較，後來會被使用以更新一條件資料庫。然而，消費者鮮 少確切知道商家提交了多少授權請求。舉例來說，一個消 費者可能在線上以1000元購買了一物品，並同意以10個 月100元分期付款的方式以完成此項購買。起初，應用先 前技術系統的人可能會想去申請一些不同的有限使用條 件，來完成此項交易，例如1000元一次交易，10次交易 每次100元，或任何組合。另外，不同的商家會以許多不 同的方法處理授權請求。商家可能向發卡者提出（1)只有 一次1000元的付款請求；（2) —次1000元的授權請求， 緊跟著每次100元的授權請求；（3)每次100元的一次授 權請求；（4)只有一些分期的授權請求。在這個產業也常 見到商家先提交預先授權請求（pre-authorization request)，緊接著再提交授權。總著來說，消費者很難臆 測到底商家是應用什麼方法來完成授權程序。 4S&W/200105TW; 40655.0720 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--------- (請先閱讀背面之注意事項再填寫本頁) 經濟部智慧財產局員工消費合作社印製 544605 A7 B7 五、發明說明（G) 這樣一來，先前技術系統產生了一種狀況，一暫時交 易號碼可能在分期付款完成之前被停用。舉例來說，如果 消費者只授權一交易，此卡會再商家遞交一次預授權請求 時被停用，然後再接著一次在第一次付款後的第二授權請 求。 發明槪述 本發明藉由提供持卡人關聯到持卡人主要帳戶的一從 屬交易號碼，以完成持卡人與商家之間的交易（也就是付 款卡），其中持卡人出示或傳送交易號碼一非主要付款卡號 碼一給商家以初始化一交易。 更明確的說，此系統牽涉到登記一持卡人的程序（如 果不是預先登記的）以加入一交易計劃，這個系統在此有 時候亦被稱作安全交易系統（secure transaction system ); 產生一從屬交易號碼，並核發此號碼給持卡人，藉此持卡 人呈遞給商家以完成一交易；此商家處理此從屬交易號 碼，類似於任何其他***號碼，此號碼通常係出示給發 卡者看以作授權。在整個過程中，持卡人的主要付款卡號 碼從不交付給商家或任何其他第三方。此外，此從屬交易 號碼亦可能附帶某些限制使用條件（limitation-on-use conditions)，除非某些條件符合否則交易將不予授權。 在產生一從屬交易號碼上，因應持卡人的需求，發卡 者產生一亂數，並將此亂數關聯到持卡人的主要付款卡帳 戶。這樣立即迅速的亂數產生，讓持卡人可在收到此號碼 4S&W/200105TW; 40655.0720 6 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐） -----------裝--------訂--------- (請先閱讀背面之注意事項再填寫本頁) 經濟部智慧財產局員工消費合作社印製 544605 A7 B7 五、發明說明（勹） 後立刻使用。這種程序排除了從屬交易號碼分開啓動的需 要，從屬交易號碼核發後因持卡人或發卡者無法啓動而不 能使用的可能性亦降到最低。 在交易程序的授權階段中，發卡者接到商家的授權請 求，如果有的話，核對某些限制使用條件使否符合。如果 條件都符合，此請求獲准，然後發卡者傳給商家一核准碼。 如果條件不符合，則拒絕請求。雖然請求被拒，在一例示 的實施例中，此從屬交易號碼不會被停用。 本發明之一例示的結帳程序牽涉到，從商家接收一特 定交易的一付款請求，並付款給商家。如之前所提到的， 甚至未獲授權的或被拒絕授權的一從屬交易號碼都可以進 行到結帳，商家必須承擔如果交易有爭議必須退款的責任 風險（如果沒有伴隨著有效的核准碼）。然而，在處理可收 帳戶的處理之前，從屬交易號碼置換了主要付款卡帳戶， 以進行向持卡人收款的動作。 本發明例示實施例的爭議處理與客戶服務程序，讓客 服代表根據主要付款卡號碼、從屬交易號碼、或由持卡人 或商家提供的其他交易特定資訊，以擷取資訊並初始化 (initiate)客戶或商家的詢問。此系統提供從屬交易號碼 與主要付款卡號碼之間天衣無縫的整合，以確保商家只看 得到聲明、報告、信件、以及載有從屬交易號碼（而不是 付款卡號碼）的財務調整（financial adjustment )，而持卡 人只需要參兌主要付款卡號碼。另外，透過爭議處理程序， 牽涉到未授權使用從屬交易號碼之持卡人有爭議的交易， 4S&W/200105TW; 40655.0720 7 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐） -----------裝--------訂--------- (請先閱讀背面之注意事項再填寫本頁) 544605 A7 B7 五、發明說明（兄） 都會向商家索回已發款項。 (請先閱讀背面之注意事項再填寫本頁) 本發明交易系統的種種實施例吸納並改善了現存或發 展中的技術，例如，舉例來說，非貨幣爲基礎的計劃 (non-currency based program )以及忠誠系統(loyalty system )、電子信用額度（electronic lines of credit )、線上 銀行(online banking )等等。 圖式之簡單說明 在審視過本說明書與申請專利範圍中所描述之非限制 性的實施例，並參考隨附的圖式之後，本發明的其他方面 將變的顯而易見，其中相同的參考號碼代表相同的元件。 圖1係爲供完成一安全交易之例示實施例的槪略圖 式； 圖2係爲本發明之例示程序的流程圖； 圖3係爲發卡者例示之顯著頁（splash page)的網頁 螢幕圖，供安全交易系統所使用； 圖4係爲發卡者例不之線上登記頁（online registration page)的網頁螢幕圖，供安全交易系統所使 用； 經濟部智慧財產局員工消費合作社印製 圖5係爲發卡者例示之登入頁（l〇g-in page)的網[頁 螢幕圖，供安全交易系統所使用； 圖6係爲發卡者例示之線上下落選單（oniine drop-down menu)的網頁螢幕圖，此線上下落選單可用來 在前景（foreground)中選擇一主要付款卡，並在背景中 4S&W/200105TW; 40655.0720 8 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐） 5446〇5 經濟部智慧財產局員工消費合作社印製 A7 B7 A、發明說明（q) 選擇一線上商家付款網頁； 圖7係爲一網頁螢幕圖式，於前景中顯示回傳給使用 者之一例示的從屬交易號碼（如Private PaymentTM號 碼），在背景中顯示一商家的付款網頁； 圖8係爲本發明例示組件的方塊圖； 圖9係爲本發明STN資料庫之例示資料結構一些實 例的方塊圖； 圖1 0係爲本發明例示從屬交易號碼產生程序的流程 圖； 圖1 1係爲本發明例示之安全交易授權階段的流程 圖； 圖1 2係爲本發明例示之交易歷史報告的螢幕圖； 圖1 3係爲本發明實施例的流程圖，係牽涉到電子信 用額度系統； 圖1 4係爲本發明例示之安全交易系統第一實施例的 流程圖，本發明係用以完成一非貨幣基礎之會員獎賞系 統；以及 圖1 5係爲本發明例示之安全交易系統第二實施例的 流程圖，本發明係用以完成一會員獎賞計劃。 圖式之元件符號說明 1 持卡人 2 商家或商家的線上網頁（圖5中） 2a商家的付款頁 2b付款網頁 4S&W/200105TW; 40655.0720 〇 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐） -----------裝--------訂--------- (請先閱讀背面之注意事項再填寫本頁) 544605 經濟部智慧財產局員工消費合作社印製 4 使用者介面系統 6 STN資料庫 8後端應用程式服務 1 〇財務紀錄系統 13後端 15從屬交易號碼（STN) 19實體*** 23新的使用者 30持卡人姓名（圖4中） 3 1電子郵件地址（圖4中） 32卡帳戶號碼（圖4中） 33社會安全號碼末4碼（圖4) )34持卡人的生日（圖4中） 35帳戶管理系統 37 ELOC簡介 78認證元件 95會員獎賞系統 132使用者名稱 135登入按鍵 138下拉表單 142 STN欄位 146***欄位 1 5 0 「現在就買」按紐 168交易資訊表格 10 -----------裝--------訂--------- (請先閱讀背面之注意事項再填寫本頁) A7 B7 I、發明說明（β) 3 發卡者 5應用程式伺服器 7 卡授權系統 9應付賬款系統 11應收帳款系統 14前端 18 STN處理器 20主要付款卡 （PCC) 25程式特徵 30 ELOC申請（圖13中） 31欺詐檢查（圖I3中） 32卡處理系統（圖13) 33信用詢問公司（圖13中 34實體卡（圖13中） 36 SE號碼 77授權請求聆聽者 79反向處理引擎 130線上登入螢幕 134密碼 136實施例 14〇發卡者視窗 144信用種類欄位 148有效期限 166 STN表格 4S&W/200105TW; 40655.0720 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 544605 A7 B7 五、發明說明（I 1) 170各種資料庫欄位 172資料庫欄位 175檢閱螢幕 發明之詳細說明 如發明背景所述，在眾多先前技術中使用暫時號碼以 實施交易的系統，皆不能滿足某些客戶對於更安全與有信 心交易的需求。尤其，先前技術系統通常需要，⑴額外的 軟體以提供登記與交易程序，（ii)產生一分開的數位證明， 其包含一非實體線上商務卡片，（iii)個別啓動暫時交易號 碼；或（iv)如果未符合預先設定的條件，停用暫時交易號 碼。簡而言之，先前交易系統並不足以適用於真實世界中， 對更安全且有信心之交易系統的需要，這種交易系統可立 即與現今存在的銀行與電子商務系統相容。 本發明包括一獨一無二的系統，供完成立即且輕易適 用於現存商務交易處理系統之安全交易。雖然本系統可能 考慮到現存處理系統的升級或重被規劃，本發明並不需要 持卡人或商家系統作任何改變。舉例來說，本發明可能考 慮到，但非一定需要：下載軟體模組；一數位基礎的、非 實體的商務卡；從屬交易號碼可以被啓動與停用；以及某 些實施例不要求現存線上客戶分別登記以享受此項服務。 此外，在此所描述的安全交易系統可以天衣無縫地整合到 現今的電子商務程序中，而只會對持卡人或商家使用的現 存系統帶來極小的改變，甚或沒有改變。 在此，本發明的安全交易系統可以功能方塊元件圖、 4S&W/200105TW; 40655.0720 11 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐） -----------裝--------訂--------- (請先閱讀背面之注意事項再填寫本頁) 經濟部智慧財產局員工消費合作社印製 544605 A7 B7 五、發明說明（\>) 流程圖、螢幕圖、選擇性選項以及各種處理步驟作描述。 大家應該了解這樣的功能方塊可以用任何數量的硬體與/ 或軟體軟體元件實現之，這些硬體與軟體元件係被規劃以 執行特定功能。舉例來說，本發明可能應用各種積體電路 元件，如記憶體元件、處理元件、邏輯元件、查找表（look-up table)以及相似物，這些元件可以在一個或更多微處理器 或其他控制裝置的控制下執行各種功能。同樣的，本發明 的軟體元件可以用任何程式或腳本語言，如C、C + +、Java、 COBOL、組合語言（assembler)、PERL、或類似程式，使 用的演算法可以任何資料結構、物件、程序、例行程序 (routine)或其他程式元件的組合。此外，應該注意的是 本發明可能應用任何數量的傳統技術以進行資料傳輸、發 出信號（signaling)、資料處理、網路控制以及類似處理。 欲對密碼學有一基本認識，請參閱由布魯斯施耐德（Bmce Schneider)所撰寫之命名爲“應用密碼學：通訊協定、演 算法以及C語言來源碼”的教科書，其爲John Wiley & Son公司所出版（第二版，1996年），此教科書將在本說 明書中持續參照。 我們應該了解在此揭示並描述之特殊的實施例皆係說 明本發明之用，並非企圖以任何方式限制本發明的範圍。 的確，爲了簡明起見，本發明中之傳統資料網路、應用程 式發展以及其他功能（以及本系統個別運作元件的元件） 也許不會在此詳細作描述。此外，說明書中包含的各個圖 式中所顯示之連接線，只是例示表現功能關係與/或各個元 4S&W/200105TW; 40655.0720 12 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐） '-' -----------裝--------訂--------- (請先閱讀背面之注意事項再填寫本頁) 544605 經濟部智慧財產局員工消費合作社印製 Α7 Β7 五、發明說明（丨3 ) 件之間的實體連結。應該注意的是，許多選擇性的與額外 的功能關係或實體連結也可能出現於實際的電子交易系統 中。 大家將了解到，許多本發明的應用程式可以公式化的 衍生出來（formulate )。熟悉本項技術者將了解一網路可 能包含任何交換資料或商業交易的系統，如網際網路、企 業外網路（extranet )、廣域網路（WAN )、區域網路（LAN )、 衛星或無線通訊，與/或相似系統。持卡人可以透過任何輸 入裝置，如電話、鍵盤、滑鼠、電子資訊站（kiosk )、個 人數位助理、觸控螢幕（touch screen)、語音辨識裝置、 詢答機（transponder )、生物測定裝置（biometric device )、 掌上型電腦（如Palm Pilot®)、行動電話（cellular phone)、 網路電視（Web TV )、網路電話（Web phone )、藍牙 (Bluetooth) /紅外線發射裝置（beaming device)或相似 者，與發卡者的安全交易系統或一商家互動。相同的’本 發明可以與任何種類的個人電腦、網路電腦、工作站、迷 你電腦（minicomputer)、大型電腦（mainframe)或類似 電腦一倂使用，這些電腦可能使用任何版本的Windows ’
Windows NT、Windows 2000、Windows98、Wind〇ws95、
MacOS、OS/2、BeOS、Linux、UNIX 或類似系統。此外’ 雖然本發明使用如TCP/IP的通訊協定以完成網路通訊’ 大家很容易就可以了解本發明亦可以使用ΙΡχ ' Appletalk、IP-6、NetBIOS、OSI或任何數量的現存或將來 新興的通訊協定來實施本發明。此外，本系統考慮到任％ 4S&W/200105TW; 40655.0720 13 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐） -----------#裝-------^訂--------- (請先閱讀背面之注意事項再填寫本頁) 經濟部智慧財產局員工消費合作社印製 544605 A7 B7 五、發明說明π+) 貨品、服務或資訊在任何網路上的使用、銷售、交換、轉 移、或任何其他的分散，只要這些網路具有相似的功能。 對於本技術具有一般了解的人也都將了解，本發明可 以實施成一方法、一資料處理系統、一資料處理裝置，與/ 或一電腦程式產品。依此，本發明可以完全軟體實施例的 形式、完全硬體實施例的形式，或結合硬體與軟體實施例 的形式實施之。此外，本發明可以以電腦程式產品的形式 實施之，此電腦程式產品係存在於一電腦可讀儲存媒體 上，且具有實施於儲存媒體上的電腦可讀程式碼。任何適 合的電腦可讀儲存媒體皆可以使用，包括硬碟、CD-ROM、 光學儲存裝置、磁性儲存裝置、快閃卡記憶體（flash card memory)與類似儲存媒體。 交易各方（持卡人、發卡者、與/或商家）與本發明系 統的通訊可以透過任何適合的通訊方式完成，舉例來說， 一電話網路、網內網路、網際網路、互動裝置的定點（point) (銷售裝置的定點、個人數位助理、行動電話、電子資訊 站，等等）、線上通訊（online communication)、離線通訊 (off-line communication)、無線通訊，與/或類似的通訊 方式。熟悉本項技術者亦將了解到，爲了安全的理由，任 何資料庫、系統、或本發明的元件可以由任何資料庫或元 件的組合所組成，可以在同一地點，也可以在多個地點， 其中各個資料庫或系統包或任何各種適合的安全特徵，如 防火牆、存取碼、加密、解密、壓縮、解壓縮、與/或相似 的方法。 4S&W/200105TW; 40655.0720 14 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) 裝--------訂---- 經濟部智慧財產局員工消費合作社印製 544605 A7 B7 五、發明說明（\5) 根據本發明的各個方面，參考以方法、裝置（如系統）、 以及電腦程式產品的方塊圖與流程圖，茲敘述本發明如 下。吾人將了解到，各個方塊圖與流程圖的功能方塊、以 及各個方塊圖與流程圖功能方塊的組合，皆可以電腦程式 指令實施之。這些電腦程式指令可載於一般用途電腦 (general purpose computer )、牛寺歹朱功會b 電月窗(special purpose computer)、或其他可程式化資料處理裝置，以形 成一機器，這樣一來，執行於電腦或其他可程式化資料處 理裝置上的指令，將產生實施指定於流程圖方塊或方塊之 功能的手段。 這些電腦程式指令也可以儲存在一電腦可讀記憶體 中，電腦程式指令可以導引一電腦或其他可程式化資料處 理裝置發揮特殊功能，這樣一來，儲存於電腦可讀記憶體 的指令造成一製成品（article of manufacture)，包括實施 指定於流程圖方塊或方塊之功能的指令手段（instruction means)。此電腦程式指令也可載於一電腦或其他可程式化 裝置上，使得一系列操作步驟執行於電腦或其他可程式化 裝置上，以產生一電腦執行程序，這樣一來執行於電腦或 其他可程式裝置的指令可以提供實施指定於流程方塊或方 塊中功能的步驟。 於是，方塊圖的與流程圖的功能方塊支持執行這些特 定功能各種手段的組合，以及程式指令手段，供執行特定 功能。吾人將了解到各個方塊圖與流程圖的功能方塊，可 以藉特殊功能硬體爲基礎的電腦系統或特殊功能硬體及電 4S&W/200105TW; 40655.0720 15 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐） 裝· —訂--------- $ (請先閱讀背面之注意事項再填寫本頁) 經濟部智慧財產局員工消費合作社印製 544605 A7 B7 五、發明說明（u ) 腦指令的是到組合執行之，其中特殊功能硬體爲基礎的電 腦系統可執行特定功能或步驟。 參照本發明一較佳實施例的電腦網路層面，各個參加 者係配備一電腦計算系統，以完成線上商務交易。此電腦 計算單元可以透過一資料通訊網路相互連接。此網路係爲 一大眾網路，並且可假設爲不安全且偷聽者（eavesdropper) 猖獗。在例示的實施例中，網路係具體實施成一網際網路。 在本文中，電腦可能係全時連接到網際網路，也可能不是。 舉例來說，持卡人電腦可能應用一數據機，以偶而連結到 網際網路，而持卡人的電腦計算中心也可能可以維持與網 際網路的永久連線。大家也都知道網路可以其他種類的網 路實施之，如互動電視（ITV)網路。 商家的電腦以及持卡人的電腦可以透過一第二網路互 聯（interconnect )，此第二網路稱爲一付款網路。此付款 網路代表現存的私有（proprietary)網路，這些私有網路 目前可以提供***、借款卡（debit card )、或其他種的 財務/銀行卡的交易。此付款網路係爲一封閉網路，此封閉 網路可假設爲全且沒有偷聽者。付款網路的例子包括 American Express®、VisaNet®以及 Veriphone®系統。
如圖一所示，本發明一般係關於一交易系統，一發卡 者3產生一從屬交易號碼（STN) 15，其係關聯到一指定 的交易帳戶，也就是一「主要帳戶」（如發卡者的主要付款 卡（PCC) 20帳戶），並且藉由任何數量的不同遞送方式， 提供可以使用的STN 15給持卡者1。不需要分開啓動STN 4S&W/200105TW; 40655.0720 16 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐） -----------裝--------訂--------- (請先閱讀背面之注意事項再填寫本頁) 經濟部智慧財產局員工消費合作社印製 544605 A7 B7 五、發明說明（π ) 15，持卡人1接著可以只提供STN 15給商家2 (藉由任何 數量的傳遞方式，並伴隨著任何其他的***號碼），以安 全地並有信心的完成一交易。STN 15可能具有由持卡人1 或發卡者3定義的條件或使用限制參數，以限制STN 15 的使用。此外，當所描述之本發明一例示性的實施例關聯 到一安全交易系統，本發明考慮到任何種類的網路與交易 系統，包括，舉例來說，不安全的網路、大眾網路、無線 網路、封閉網路，開放網路、企業內網路、企業外網路， 以及類似網路。 一例示性的持卡人1可以是任何人、企業（business) 或其他使用一 STN 15以完成任何交易的實體。在一較佳 實施中，持卡人1建立依新的關係或具有一現存關係，或 係關聯到一發卡人3。舉例來說，在一實施例中，一持卡 人1可能是一 American Express®卡友。在另一實施例中， 一持卡人1係爲飛行常客回饋計劃（frequent flyer rewards program)的參加者。在另外一實施例中，持卡人1係爲任 何合適組織的成員，此組織提供交易產品或服務。持卡人 1在這裡可以被稱爲一消費者、卡友、客戶、使用者或相 似名稱。 一商家2可以是任何個人、企業、或其他實體，其提 供產品或服務給持卡人1與/或接收與/或處理交易請求的 人。舉例來說，在一實施例中，一商家2可以是一個線上 書店，如Amazon.com®。在另一實施例中，一商家2可以 是一地方的硬體商店。在一些例子中，持卡人1與商家2 4S&W/200105TW; 40655.0720 17 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) 1 emmmmm ammmmm 1ϋ ϋ— ϋ>1 I 1-1» 11 ϋ n 經濟部智慧財產局員工消費合作社印製 544605 A7 B7 五、發明說明（丨8) 可能一樣。 一發卡者3包括任何產品與/或服務的供應商，其可完 成任何種類的交易。如同本發明一例示的實施例所考慮到 的，持卡者建立並維護持卡人1的帳戶與/或交易資訊。發 卡者3可核發產品給持卡人1，也可以同時提供給持卡人1 與商家2完成安全本發明交易系統的程序。發卡者包括銀 行；信用聯盟（credit union );***、簽帳卡（debit card)、或其他付款卡公司、電話公司；或者任何其他種類 的發卡機構，如交易卡提供者American Express®、 VISA®、萬事達卡（Mastercard® )、Discover®等等。在其 他的實施例中，發卡者3可以是任何會員機構或聯盟。在 一些例子中，發卡者3與商家2可以一樣，STN (從屬交 易號碼）15是由與提供產品或服務的同一家公司所核發。 一個例子是，電話公司核發的一 STN 15電話卡，此STN 15 電話卡係聯繫到主要電話帳戶。 一例示的STN 15是任何交易號碼、程式碼（code)、 符號（symbol)、指示物（indica)等等，其關聯到另一號 碼或帳戶，此號碼或帳戶已經由持卡人1或發卡者3指定 爲主要帳戶號碼（如一 PCC 20)。在一實施例中，STN 15 是一購買號碼（purchasing number)，此購買號碼當作一付 款卡號碼並且係關聯到一 PCC 20帳戶（如一主要付款卡、 ***、簽帳卡或其他帳戶號碼，如一銀行或一仲介帳戶 (brokerage account )、獎賞言十劃帳戶(reward program account)等等。）在一例示的實施例中，一 PCC 20帳戶 4S&W/200105TW; 40655.0720 18 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐） -----------^--------訂--------- (請先閱讀背面之注意事項再填寫本頁) 544605 A7 B7 五、發明說明（q) (請先閱讀背面之注意事項再填寫本頁) 無法經由STN 15辨識。在某些實施例中，PCC 20帳戶可 能具有關於STN 15的一些辨識元件。PCC 20在此定義成 包括任何種類的交易卡，其係參照任何帳戶或會員加盟 (affiliation )或聯盟（association )。當一個以上的持卡人 1帳戶存在時，PCC 20係爲持卡人1或發卡者3所指定爲 主要帳戶的帳戶。另一種可能是，帳戶可以有優先順序， STN 15依指定順序關聯到一個或多個PCC 20。此外，如 本發明至少一個實施例所述，一 STN 15可以關聯到兩個 或更多個帳戶。舉例來說，一 STN 15可以關聯到一非貨 幣爲基礎的帳戶以及一 PCC 20帳戶。 經濟部智慧財產局員工消費合作社印製 如圖1所示，在一較佳實施例中，STN 15與PCC 20 具有相同的格式，雖然額外的實施例可供各種形式的帳戶 號碼所使用。在一牽涉到***、簽帳卡或其他銀行卡 (banking card)的實施例中，STN 15具有與一般銀行卡 相同的產業標準格式（industry standard format )(如1 5或 16號碼）。此號碼較佳係格式化成無法分辨出STN 15與一 般實體付款卡差異的形式。另一種做法是，發卡者/產品識 別（如BIN的範圍，前6碼等等。）號碼可以不一樣，以 分辨STN與一般付款卡號碼。在參照STN 15與PCC 20 號碼時，吾人可以了解到此號碼可以是16碼***號碼， 雖然各家發卡者有自己的編號系統，如美國運通所使用的 15碼編號系統。各個公司的卡號依照該公司的標準化格 式，使用16碼格式的公司通常會使用四組分開的號碼，如 同號碼“ 0000 0000 0000 〇〇〇〇”所代表者。開頭的五到七 4S&W/200105TW; 40655.0720 19 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐） 544605 經濟部智慧財產局員工消費合作社印製 A7 B7 五、發明說明（立〇) 碼係保留作爲處理程序之用，並代表發卡銀行、卡的種類 等等。在此例中，最後的第16碼係用來作16碼號碼的一 總數核對（sum check )。中間的八到十碼係用以唯一^地識 別持卡人1。本發明考慮到其他號碼、指示物、程式碼或 其他安全步驟以及STN 15的使用，但是在一實施例中’ 只提供STN 15給商家2。 在一較佳實施例中，STN 1 5係由發卡者3接到持卡人 1的請求，隨機的且立即的產生，而且可以經由各式各樣 的方法（上線、電話、無線、電子郵件、一般郵件等等） 分散到持卡人1處，這些方法應該是安全且依賴持卡人身 分的驗證。不同於之前討論之先前技術的暫時交易號碼， 一旦STN 15關聯到持卡人指定的PCC 20並提供給持卡人 1，STN 15立即啓動（可供使用）。一商家2因爲持卡人1 沒有適當的開卡而得到無用交易號碼的可能性，將因此特 性而降到最低。雖然本發明可能考慮到需要啓動之預先配 置的一些號碼（pool of numbers )，一例示的實施例包括立 即且隨機產生的STN 15，而且一旦持卡人1收到，不需另 外的開卡程序，即可以使用。 在另一較佳實施例中，STN 15可具有限制使用（或有 條件使用）的參數，參數係經由持卡人1或發卡者3放置 於STN 15上，以將此號碼線至於特定的使用上。另一種 方法是，持卡人1能夠選擇系統預設使用參數（system default parameter of use )。參數包括，舉例來說，（i ) STN 1 5的只能使用於預定數目的交易；（ii )持卡人決定的有 4S&W/200105TW; 40655.0720 2〇 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) * Μ 裝--------訂--------- Φ. 經濟部智慧財產局員工消費合作社印製 544605 A7 B7 五、發明說明（Μ) 效期限（expiration date)(也就是，STN 15於產生時就具 有有效期限，此有效期限關係（associated to)到但與持卡 人的PCC 20號碼無關（unrelated to )，此外有效期限不能 超過PCC 20帳戶的有效期限）；（iii)限制STN 15的使 用到一特定的金額、每次交易的金額、預先指定交易號碼 的總金額、每月最高金額等等；（iv)只對特定商家使用 STN 15； (v)限定除了主要持卡人1之外一特定使用者 可使用（如兒童、配偶、收禮者（gift recipient)等等）； 或（vi)任何這些或相似特徵的組合，舉例來說，一號碼 可以在特定商家，以作爲一預先指定交易號碼與一最高金 額之用。 這些參數不只提供更高的安全性，允許一持卡人1修 改此STN 15到一特定用途，但是一額外的好處是持卡人1 能選擇偏好，以爲了他們或其他登記符合資格使用此卡者 (如配偶、兒童等等）控制花費。這些偏好可包括：限制 (持卡人1可選擇限制使用在某些網站上或可以預先允許 在特定網站上的花費）；日期範圍（持卡人1可以選擇交 易可能發生的時間期）；最高預算額（持卡人1可以預先 設定在某期間或某種類（雜貨、書籍、衣物）內的花費限 制）•’信用點數（credit )與餘額可利用率（balance availability )(持卡人1可以在交易前檢查信用點數 (credit)或請求存款餘額可利用率）；非貨幣爲基礎的帳 戶，如以獎賞點數當成貨幣（持卡人1可以使用獎賞點數 (如 Membership RewardsTM、Blue Loot TM)當成貨幣以付 4S&W/200105TW; 40655.0720 21 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) ·裝 訂-------s'. 544605 經濟部智慧財產局員工消費合作社印製 A7 B7 五、發明況明（工l) 款）；以及禮品（持卡人1可以用s TN 15以一指定金額 提供給別人買禮品的資金）。 如圖2所示，本發明一例示的實施例包括下列步驟： (i)登記一持卡人1，以使用發卡者3的安全交易服務（步 驟100) ; ( ii)從一持卡人1接收一 STN 15之請求（步 驟 105 ) ; ( iii)產生一 STN 15，，關聯此 STN 15 與一 PCC 20，如果想要的話，施加限制使用的條件，並核發此 STN 15給持卡人1 (步驟11〇) ; ( iv)處理一商家2牽 涉到STN 15的請求，以決定是否STN的使用是經過授權 的（步驟115) ; (v)處理一結帳（settlement)請求， 付款給商家，並且向持卡人1開帳（步驟120);以及（vi) 處理從商家或持卡人關於STN 15使用的爭議，與其他客 戶服務議題（步驟125)。 圖8描繪一例示之安全交易系統元件的槪略圖。一般 而言，發卡者的電腦系統應用前端13與後端14處理系統。 前端13系統包含，依使用者介面系統4 (如網路伺服器、 IVR等等），一應用程式伺服器5、一 STN資料庫6,以及 一卡授權系統（CAS) 7。應用程式伺服器5與STN資料 庫6有時候可以被整體的認爲是STN處理器。請參考圖2 與8,這些前端13的元件完成（i)持卡人登記（步驟1〇〇)， (Π)請求STN 15 (步驟105 )，（ iii)產生並核發STN 15 (步驟110)，以及（iv) STN授權程序（步驟115)。後端 14系統包含，一財務紀錄系統（financial capture system) 1〇、一後端應用程式服務8、一應付帳款系統9與一應收 4S&W/200105TW; 40655.0720 ?2 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐） -----------裝--------訂--------- (請先閱讀背面之注意事項再填寫本頁) 544605 A7 B7 五、發明說明（¾) <請先閱讀背面之注意事項再填寫本頁) 帳款系統11。參考圖1與圖8，後端14元件完成交易結帳 (步驟120)。在一例示的系統中，爭議處理與客戶服務程 序（步驟125)通常整合了許多或全部先前提到的系統。 經濟部智慧財產局員工消費合作社印製 更明確的說，如圖8所示，發卡者3使用者介面系統 4提供持卡人進入發卡者安全交易系統的權利。透過此介 面，持卡人1可向發卡者3登記，可向請求一 STN 15，並 將從發卡者3處接收一 STN 15，此STN 15係關聯到持卡 人的PCC 20。前端13系統也利用至少一個應用程式伺服 器5，此應用程式伺服器5處理內送的資訊，應用所需之 適當的商業規則/條件組合，並產生適當的外送回應。應用 程式伺服器5係被規劃以支持與使用者介面系統4與一 STN資料庫6。一例示的STN資料庫6係爲一關聯資料庫 (relational database )，包含各式表格以供管理與轉化 (translate )各種資訊，如持卡人1的簡介等等。圖9繪 示STN資料庫6中例示表格的例子。STN表格166可包含 各種資料庫欄位170，這些資料庫欄位170係關係到持卡 人的STN帳戶。這些欄位可包括一般STN 15與PCC 20 帳戶資訊外，也包括相關於STN 15使用的商業規則/條件 組合。一 STN 交易資訊表格（transaction information table ) 168包括資料庫欄位172以供儲存關於特定交易的資訊。 一熟練的程式設計人員可以了解此處理機制與資料結構方 法可以各種方式組織起來。總之，此使用者介面系統4、 應用程式伺服器5，以及STN資料庫6適當的連結，以完 成STN 15的產生與核發，並進一步關聯到一授權系統 4S&W/200105TW: 40655.0720 23 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐） 544605 A7 B7 五、發明說明（斗） (CAS) 7，以處理從商家2來之牽涉一 STN 15的授權請 求。當處理一商家的結帳請求，也就是，因交易而收款， 此財務紀錄（FINCAP) 10系統接收並紀錄財務資訊（交 易金額、日期、SE號碼、STN 15等等）。此後端應用程式 服務8當需要時，會連接一 STN處理器18，以決定此號 碼是否是一有效的STN 15 (也就是，不是假號碼）。如果 STN 1 5是有效的，此AP系統9付款給商家2。此STN資 料庫6係更新以反應交易資訊。此STN處理器18 (或後 端應用程式服務8)以STN 15替換PCC 20，並轉呈給AR 系統11進行開帳。 本發明例示的程序將詳述如下。 登記（圖2，步驟100): 圖3與圖4圖示兩個關於例示之登記程序的螢幕圖。 圖 3 描述 American Express® Private Paymentslv^_i式的一 顯著頁。此Private PaymentSM程式係爲本發明一例示的實 施例。在此，一新的使用者23可註冊使用此程式，或者一 現存的使用者可存取程式特徵（program feature) 25的一 號碼，如檢視帳戶、請求一新的STN 15號碼，或下載軟 體。持卡人1通常藉由輸入一適當的發卡者URL到瀏覽器 中、藉由點選由一商家網頁提供的連結，或是藉由認出特 定URL或HTML程式碼之後自動爆出的特徵進入持卡人 的網頁。 要註冊（或登記）時，持卡人1連接到一登記頁（圖 4S&W/200105TW; 40655.0720 24 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) 裝 ----訂---- 經濟部智慧財產局員工消費合作社印製 544605 A7 B7 經濟部智慧財產局員工消費合作社印製 五、發明說明（；艾） 4 )並被詢問資訊。這資訊包括持卡人姓名30、電子郵件 地址31、卡帳戶號碼32 (如PCC 20)、社會安全號碼的末 四位33、持卡人的生日34等等。任何合適的認證資訊皆 須滿足。藉由選擇繼續，持卡人1會被供以使用者名稱與 密碼’或者，較佳的是，持卡人可以選擇自己的使用者名 稱或密碼。使用者介面系統4處理此資訊，並適當的連接 STN處理器18 (圖8)，以登記持卡人。如同熟悉本項技 術者將了解到的，登記可以具有許多種形式，並且可以多 種方式達成。舉例來說，一發卡者3可選擇自動的註冊一 新付款卡申請人，並回傳給持卡人一使用者名稱與密碼以 及一實體***。雖然圖3與圖4會是一線上登記程序， 應該理解爲本程序可以任何適當使用者介面系統發生。 在登記的過程中，持卡人1可選擇定義多個參數、偏 好、以及程式允許（permission)以量身訂做此安全交易 系統，以符合持卡人的特殊需要。舉例來說，持卡人1可 以（i)指定一特定***，以作爲主要付款卡號碼；（ii) 關聯該安全交易系統與其他程式，如一非貨幣爲基礎的會 員獎賞程式（membership rewards program，MR program)、 一線上數位錢包（online digital wallet)、一線上購物通路 (online shopping gateway )(如美國運通的 ShopAMEX)、一線上的禮物支票程式（online gift check program)(如 E-Gift)、較佳買者的程式（preferred buyer’s program)等等；（iii)提供密碼保護的存取權給家庭成員； (iv)啓動一智慧卡特徵，允許從屬交易號碼的遠端隨機 4S&W/200105TW; 40655.0720 25 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐） -----------裝--------訂--------- (請先閱讀背面之注意事項再填寫本頁) 經濟部智慧財產局員工消費合作社印製 544605 A7 B7 五、發明說明（义） 產生（remote random generation) ;( v)指定行動電話、電 子郵件或呼叫器號碼，以藉著聲音或自動化回應利用從屬 交易號碼產生特徵；（vi)以及其他銀行與交易特徵，其可 爲熟悉本項技術者所了解著。欲取得忠誠系統（loyalty system)、交易系統（transaction system)、電子商務系統 與電子錢包系統的進一步資訊，請參閱，舉例來說，2000 年9月5日送件的序號60/230,190中揭露的Shop AMEXtm 系統；2000年4月28日送件的序號60/200,492與2000 年5月2日送件的序號60/201,114中揭露的MR as CurrencyTM系統；2000年4月14日送件的序號 60/162,1 97,296中所揭露的無線MR ; 2000年8月31曰送 件的序號09/652,899中所揭露的數位錢包系統；1999年2 月1日送件的序號09/241,188中所揭露的一儲値卡，所有 這些專利申請案在此都會一倂參考。 登入與STN 15的請求（圖2,步驟105): 一登記的持卡人1通常皆由透過任何適合的使用者介 面系統4，登入到此系統中，以存取發卡者的安全交易系 統。圖5描述一例示的線上登入螢幕130，其中持卡人1 被詢問認證資訊，如使用者名稱132與密碼134。在輸入 適當的認證資訊並點選登入按鍵135之後，此資訊就會透 過使用者介面系統4 (如網路伺服器）選路到應用程式伺 服器5，在應用程式伺服器處，如圖5所示，此應用程式 伺服器5從STN資料庫6擷取關於持卡人帳戶的資訊。如 4S&W/200105TW; 40655.0720 26 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐） -----------^--------訂--------- (請先閱讀背面之注意事項再填寫本頁) 544605 A7 B7 經濟部智慧財產局員工消費合作社印製 五、發明說明（工")） 果持卡人1已經登記多個付款卡帳戶，在如圖6所示的實 施例136中，此程式要持卡人1從下拉表單138中的帳戶 表選擇。持卡人1選擇適當的卡。在其他的實施例中，使 用者介面系統4 (如網路伺服器）會回傳額外的選項給持 卡人1，如要持卡人1從許多如前所述之條件欄位（限制 只有特定商家、金額的使用，允許其他接收者的使用等等） 中選擇。 STN 15的產生與核發（分散）給持卡人（步驟110): 一例示的線上安全交易程序係以一持卡人1想要從一 線上商家的網站購買物品或服務作爲開始。在此例示的線 上系統中，持卡人1從一商家的線上網站2選擇產品，此 持卡人1被選路或點選到商家的付款頁2a(圖5)。持卡人 1係超連結（手動或自動的）到一發卡者的網頁進行登入 130 (圖5)，登入130係常駐於並由發卡者的使用者介面 系統4 (如網路伺服器）所管理，並且，在登入後，持卡 人1取得一 STN 15,此STN 15可以被剪貼（cut and paste) (或者，自動的由發卡者3塡入，或從一電子錢包下載） 到在付款網頁2b上的付款欄位144、146、148 (圖7)。在 另一實施例中，此系統包括以下的一個或多個：STN 15係 直接寄給商家、STN 15被加密或編碼、持卡人1輸入額外 的安全號碼、或由發卡者3請求其他指示物或一生物測定 樣品。在一例示的實施例中，STN 15係由發卡者的應用程 式伺服器5與STN資料庫所產生，這部分將在下面討論。 4S&W/200105TW; 40655.0720 27 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐） I — I I I I I I — — — — — — — — — (請先閱讀背面之注意事項再填寫本頁) 經濟部智慧財產局員工消費合作社印製 544605 A7 B7 五、發明說明（4) 在登入程序中認證一持卡人1、並接收STN 15的請求 後，此程序開始產生一 STN 15。使用者介面系統4催促起 始STN處理器18中的號碼產生程序。在一例示的隨機號 碼產生程序中，STN 15被產生（較佳是立即產生），並提 供給持卡人1 (較佳是與持卡人的請求同時）。如前所述， 這樣做允許持卡人一收到號碼，不需要分開的啓動程序（雖 然分開啓動的特徵係本發明所考慮到的），即可以立即使用 此號碼，將偷竊或詐騙的風險降到最低。 一例示的隨機號碼產生程序係描述於圖10中。在此實 施例中，各發卡者3(圖1)通常係藉由實體卡上一範圍的 號碼所辨認，這一範圍的號碼係稱爲銀行識別碼（bank identification number，BIN)。各卡處理一產品識別符（如 前6碼、BIN等等），此產品識別符不是隨機號碼產生程序 的一部份，但是爲了初始化此程序，此號碼一定要事先選 出（步驟40)。發卡者3最好預留關於從屬交易號碼的一 組產品識別碼，以供安全交易系統的特定使用。另一種方 法是，一些發卡者可能覺得STN 15與一般付款卡使用相 同的BIN號碼很好，這樣一來，無法分辨這兩種號碼的不 同。請參考圖10，發卡者的應用程式伺服器5使用一演算 程序（algorithmic process )(步驟41 )產生一隨機的八位 數字。應用程式伺服器5驗明此隨機產生的號碼是可取得 的（也就是，此號碼並不是在使用中，也不是在某段期間 已經被用過了）（步驟42)。如果交易號碼是可供使用的 (非使用中），一檢查碼與所選的產品識別碼會附加於此號 4S&W/200105TW; 40655.0720 28 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐） -----------裝--------訂--------- (請先閱讀背面之注意事項再填寫本頁) 經濟部智慧財產局員工消費合作社印製 544605 A7 B7 五、發明說明（q) 碼上。這個新產生的STN 15接著關聯到持卡人的PCC 20，並提供給持卡人1 (步驟45)，據此STN資料庫6被 更新，以反映出此特定STN 15在使用中，並關聯到一 PCC 20帳戶。如果在步驟42中，已經決定此號碼是在使用中， 此號碼產生程序會重複直到現在的次數（如3 )(步驟 44)。在企圖並無法產生一沒用過的隨機號碼給現在的次數 時，一沒用過的隨機號碼會實際從STN資料庫6中選出（步 驟 46) 〇 STN 15產生之後，使用條件參數被施加於其上，STN 15並關聯到PCC 20，然後便分散STN 15 (也就是核發） 給一持卡人1，以用來完成一交易。STN 15的通訊可透過 一些使用者介面系統4發生。舉例來說，圖7繪示一例示 的線上介面，STN 15 ( Private Payment號碼）回傳給持卡 人1。此實施例顯示發卡者視窗140如何覆蓋（overlay) 一商家的線上付款頁2b。持卡人1從信用種類欄位（credit type field ) 144選擇適當的付款卡（如 American
Express®)。接著，持卡人1能夠剪貼（cut and paste)或 剪貼（clip and paste) STN 15 (出現於 STN 欄位 142)到 網頁2b上的***欄位（credit card field) 146。最後持 卡人1選取適當的有效期限148，並藉由選擇“現在就買 (purchase now)”按鈕150，完成父易。任何數目的介面 系統4可以被用來完成上述的程序（圖2步驟1 〇〇、1 〇5、 110)。 舉例來說，如同剛剛所述，STN 15的分散可以透過伺 4S&W/200105TW: 40655.0720 29 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐） -----------·裝--------訂--------- (請先閱讀背面之注意事項再填寫本頁) 經濟部智慧財產局員工消費合作社印制衣 544605 A7 B7 五、發明說明（30) 服器到桌上型電腦（server to desktop )的安排發生，其中 連線係使用SSL3.0建立於發卡者網路伺服器4與持卡人1 的桌上型電腦之間。有了此例示的系統，號碼係由應用程 式伺服器5 (根據一演算處理特徵）所產生，應用程式伺 服器5應用一隨機號碼產生程序，如同先前描述並遞送給 網路伺服器4的隨機號碼產生程序。然後此號碼顯示在持 卡人1的桌上型電腦上。如同先前所述，雖然並不需要預 先註冊，在一例示的實施例中，一持卡人1之前已經登記 在發卡者3的線上網站上，提供所有必須的個人資訊，主 要付款卡帳戶號碼，並且建立一持卡人的身分與密碼（如 果不是已經建立的）。當登入發卡者的網路伺服器4，我們 使用持卡人的身分與密碼驗明持卡人1。 STN 15分散也可以透過伺服器到IVR( server to IVR) 的安排發生，持卡人1呼叫發卡者3以取得STN 15。在此 例示的實施例中，一聲音回應選單（voice response menu ) 使持卡人1可選擇安全交易選項，並允許持卡人1輸入一 主要帳戶號碼。一旦身分確認，即建立到應用程式伺服器 5的連線，此促進STN 15的產生與透過電話的遞送。在此 實施例中，持卡人1藉由提供生日（date of birth, DOB)、 一個人識別碼PIN等等，提供認證資訊。一旦此證明號碼 與客戶紀錄吻合，STN 15即分散出去。當然，此程序也適 用於現場操作員的安排方式。 其他的分散實施例包括許多不同的遞送媒體，如無線 裝置的使用、智慧晶片編碼裝置（smart chip encoded 4S&W/200105TW; 40655.0720 30 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐） -----------裝--------訂--------- (請先閱讀背面之注意事項再填寫本頁) 經濟部智慧財產局員工消費合作社印製 544605 A7 B7 五、發明說明（31) device)、個人數位助理（PDAs)、呼叫器、互動電視等等。 舉例來說，伺服器到無線裝置被使用於，具有網際網路瀏 覽器的一無線電話可以透過發卡者的線上服務網站，存取 安全交易網站。STN 15可以透過文字或聲音傳遞。此外， 配合加密鑰匙的使用，無線裝置可以用作付款媒體（如STN 15係從持卡人1遞送到商家2或其他具有藍牙技術或紅外 線收發技術的客戶）。再一次的，身份的驗明可藉各種方式 完成，包括持卡人身分與密碼、DOB、PIN號碼、電話中 的SIM卡等等。 本安全交易系統的另一例示的實施例，利用上述一個 或多個分散安排，包括銷售點終端機（point of sale terminal)不在的狀況（呈遞一 STN 15給一商家2，如， 舉例來說、家裡的水電工。）在此例示的實施例中，持卡 人1可能沒有現金或不想將PCC 20的號碼提供給販賣 者，以考量到未授權的再使用。如此，持卡人1呼叫發卡 者3,以搜尋取得具有預定的使用條件或持卡人定義之使 用條件的一 STN 15。一語音辨識系統詢問一 PCC 20帳戶 號碼、她想要授權的金額，一商家ID (商家號碼），或任 何其他使用條件。語音辨識系統呼叫應用程式伺服器5， 或者呼叫CAS 7。STN 15被傳遞給持卡人1，然後傳遞給 商家2。另外，如果想要的話，商家2也可以接收從語音 回應單元的立即呼叫，以提供核准碼。熟悉本項技藝者將 會了解本系統可以與陸線電話（landline phone)、行動電 話、呼叫器、手提電腦或任何其他PDA裝置一起使用。 4S&W/200105TW: 40655.0720 31 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐） -----------裝--------訂--------- (請先閱讀背面之注意事項再填寫本頁) 經濟部智慧財產局員工消費合作社印製 544605 A7 B7 五、發明說明（公） 本發明另一例示的實施例利用一智慧卡系統或類似的 可攜式資料裝置，以產生與/或分散一 STN 15給發卡者1 或商家2。智慧卡在此係包括任何微晶片致能的交易卡 (microchip enabled transaction card )，其可以由智慧卡讀 取機讀取，通常亦指任何可攜式資料裝置，這些可攜式資 料裝置可以處理資訊。在一線上的實施例中，持卡人1裝 設一智慧卡讀取機與相關的軟體，以便於與持卡人1的電 腦系統一起使用，而持卡人1的電腦可連接到網際網路。 在一離線實施例中，商家2可以具有一智慧卡讀取機，其 可以連接持卡人的智慧卡。有關智慧卡與智慧卡讀取機付 款技術的更多資訊揭露於序號60/232,040，於2000年9 月12日送件的申請案，與Datascape公司擁有的美國專利 案案號 5,742,845、5,898,838 與 5,905,908 中。 有了例示的線上智慧卡實施例，持卡人1連接發卡者 的使用者介面系統4 (如網站）並登記智慧卡，以與安全 交易程式選項一起使用。持卡人1下載一程式，而此程式 儲存在持卡人的硬碟上。一安全交易圖像（如Private Payments®鈕）出現於持卡人瀏覽器上或一圖像出現於系 統底層（system tray )。這個按鈕其係由發卡者的一特定應 用程式（啓動器）所驅動，且此特定應用程式常駐於持卡 人的電腦上，每一次持卡人1啓動瀏覽器時，此按鈕就會 出現（或者此按鈕在任何預定的時間、循環或URL出現）。 持卡人1適當的連接到一線上購物網站，選購一產品 或服務，或者裝滿一購物車並到付款頁去。持卡人1點選 4S&W/200105TW; 40655.0720 32 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐） -----------^--------訂---------線 (請先閱讀背面之注意事項再填寫本頁) 544605
經濟部智慧財產局員工消費合作社印製 五、發明說明（33) 瀏覽器上的付款按鈕1或是系統底層（或啓動器自動自勺曾:動 此按鈕）的圖像’然後爆出視窗出現’詢問持卡人1是否 要輸入智慧卡到智慧卡讀取機，在一較佳實施例中，係輸 入持卡人的PIN號碼。於另一較佳實施例中’可不需要 PIN。在另一實施例中，任何其他的安全資料或功能都可 包含在內。輸入此資訊後，STN 15將由發卡者的STN系 統18 (圖8)產生，或者，在另一實施例中（討論如下）， STN 15將由智慧卡晶片直接產生；包含STN 15的一爆出 (pop-up)螢幕會顯示在個人電腦上◦持卡人1拖放（drag and drop )或剪貼此隨機產生的STN 1 5到線上訂購表，並 完成此交易。在另一實施例中，STN 15自動的由發卡者的 網路伺服器塡入網路購物頁。 本發明另一例示的實施例整合了一智慧卡與一線上商 家網頁，此實施例可也可以不使用。舉例來說，此實施例 的一方面智慧卡持卡人到一商家的網頁，而一智慧晶片付 款算帳按鈕出現於***付款頁上。如果持卡人1透過智 慧晶片付款fee紐結帳’女全父易系統將被啓動。在一'較佳 實施例中，此安全交易系統選項係“藏在佈景後（behind the scenes) ” 。持卡人1到一線上購物網站，選購一產品 或服務，或者，塡寫購物車，然後到結帳頁。持卡人1點 選瀏覽器上的智慧卡付款按鈕，然後一爆出視窗出現，詢 問持卡人1是否要輸入智慧卡到智慧卡讀取機中，然後選 擇性的，輸入PIN。輸入這些資訊後，此系統登入持卡人 1到智慧卡付款結帳程序。持卡人1點擊“結帳”，而後 4S&W/200105TW; 40655.0720 Μ 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐） -----------裝--------訂--------- (請先閱讀背面之注意事項再填寫本頁) 544605 A7 B7 五、發明說明 智慧晶片付款結帳程序可能會自動產生並自動塡入STN 15到適當的付款欄位（一 applet小程式會將智慧卡的號碼 讀出，以傳送號碼到商家網站）。在此實施例中，STN 15將 由晶片自動產生，智慧卡晶片可能會使用Java或Multos 作業系統，或使用一亂數產生演算法。在一實施例中，智 慧卡晶片必須能存取或包含一些可能的號碼（以避免產生 相同的號碼兩次）。此號碼也需要送回STN處理器18，以 匹配PCC 20號碼與STN 15。 在另一使用智慧卡的實施例中，一安全電子交易 (secure electronic transaction, SET)通訊協定係用來避免 或將系統/伺服器的接觸降到最小。在此實施例中，PCC 20 號碼係在晶片上但是經過編碼。SET通訊協定較好是晶片 上的一加密演算法，開頭部分會是持卡人的PCC 20號碼。 此演算法可以由發卡者3解碼以得到一真實的帳戶號碼， 但無法由商家2解碼。在一實施例中，商家2透過一 BIN 號碼而不是PCC 20號碼，選路此授權到發卡者。如果商 家2可以成功的選路，PCC 20號碼一時之間並不需要。當 交易從商家2寄到發卡者3以進行授權時，CAS 7較佳觸 發解碼演算法以完成此程序，連接STN 15到PCC 20帳戶。 經濟部智慧財產局員工消費合作社印製 (請先閱讀背面之注意事項再填寫本頁) 線ψ 另一實施例考慮STN 1 5與一詢答機（transponder )系 統，此系統包含依第一裝置，供產生與儲存一訊號，此訊 號包括一編碼的STN 15，以及一第二裝置，供讀取或接收 訊號。在一例示的實施例中，一持卡人1在商家2的接收 單元前，與詢答機應答。可以由一些已知的方法（如光學、 4S&W/200105TW; 40655.0720 34 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 544605 A7 B7 五、發明說明（35) 磁性、紅外線、射頻等等），傳送或接收STN 15資訊。商 家2讀取機紀錄STN 15，並將STN 15轉呈給如先前所述 之發卡者的CAS 7。詢答機單元可以許多方式設定。各個 詢答機裝置可以保留一個STN 15與一些預先定義的參 數，或者各個詢答機可具有許多STN 15。 STN 15授權程序（圖2，步驟115): 參考圖1與圖11，在從屬交易號碼（STN 15)提供給 商家2之後，商家2遞交一授權請求給發卡者3，就跟任 何其他***交易一樣。這項請求選路到一卡授權系統 (CAS) 7以進行授權（步驟80)。CAS 7辨認出交易爲牽 涉一 STN 15並轉呈交易資訊到應用程式伺服器5上的授 權請求聆聽者77程式（步驟81)。授權請求聆聽者77傳 遞交易資訊到一 CAS認證元件78 (步驟82)。此CAS認 證元件78決定STN 15的使用是否滿足先前定義的使用條 件參數。爲了做此決定，CAS認證元件78查閱STN資料 庫6以尋找使用條件規則以及主要付款卡號碼（PCC 20)， 此付款卡號碼係關聯到特定的STN 15(步驟83)。如果STN 15的使用符合使用規則，此CAS認證元件78回傳一認證 訊息與相關的PCC 20到CAS 7 (步驟84)。CAS 7接著執 行PCC 20的一認證請求，就像對任何實體付款卡所進行 的認證請求一樣，以確保主要付款卡條件（如信用限制、 有效期限等等）已經滿足。 如果CAS 7授權PCC 20的使用，核准此牽涉STN 15 4S&W/200105TW; 40655.0720 35 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐） -----------裝--------訂--------- (請先閱讀背面之注意事項再填寫本頁) 544605 經濟部智慧財產局員工消費合作社印製 A7 B7 五、發明說明（34) 的交易，且產生一核准碼。然而，PCC 20必須首先以STN 15置換，且必須更新STN資料庫6以反映交易資料。這 係由以下動作完成，CAS 7回傳一核准訊息給CAS認證元 件78，此核准訊息具有交易資料（步驟85)，CAS認證元 件 78 轉呈一反向處理引擎（reversal processing engine) 79 (步驟86)。此反向處理引擎79連接STN資料庫6，以 再一次以STN 15替換PCC 20,且更新STN資料庫以反映 出交易資訊（步驟87)。舉例來說，如果關聯到STN 15的 使用條件參數授權了兩次交易，步驟87更新STN資料庫 6中持卡人的帳戶，以反映只剩下一次交易。此反向引擎 79以STN 15替換PCC 20，並將其轉呈到CAS 7 (步驟 88)。CAS 7將結果提供給商家2 (步驟89)。如果此CAS 授權元件78在STN 15條件下未授權使用，或如果，CAS 7 在PCC 2〇條件下未授權使用，將不准與交易。當主要付 款卡與從屬交易號碼的使用條件都符合時，准予交易。# 此較佳實施例中，然而，STN I5並不會被停用以防止結帳 完成。相反的，即使當授權被拒絕了，結帳仍可以持續進 行（如同接下來要討論的）。 STN 15交易結帳（圖2，步驟120): 如果有限使用條件並未符合，先前技術系統通常在授 權程序中停用一暫時交易號碼。如同先前所解釋的，由於 授權程序的不確定性與多變性，常造成交易號碼不小心Μ 停用，藉此使交易程序突然停止（sudden halt )。本發明白勺 4S&W/200105TW; 40655.0720 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐） ,ψ -----------ml裝--------訂--------_線|^ (請先閱讀背面之注咅？事項再填寫本頁} 544605 經濟部智慧財產局員工消費合作社印製 A7 B7 五、發明說明（冬1) 一例示的實施例藉由當預定條件不符合時，不停用此從屬 交易號碼’以克服追個問題。取而代之的，允許交易一直 進行到結帳，即使沒有有效的核准碼，商家承擔此金額將 由發卡者扣回，如果持卡人對交易有爭議時。
本發明一例示的結帳程序牽涉到如圖8所示的後端系 統。請參閱圖1與圖8，後端程序利用一財務紀錄系統 (FINCAP) 10，以從一商家紀錄結帳資訊（如收費收據 (receipt of charge，ROC )與收費總結（summary of charge， SOC))，一後端應用程式服務8以確保處理適當的帳戶資 訊，一應付賬款系統9以付費給商家2，以及一應收帳款 系統11以處理帳戶聲明，帳戶聲明係提供給持卡人1。此 結帳程序的一例示實施例牽涉一結帳請求，此結帳請求係 由商家2所提出，以進行牽涉到STN 15的一交易。所有 的結帳請求皆被轉呈到發卡者的後端系統14以進行處 理，此請求最早係由後端系統14送到FINCAP10的。 FINCAP10的紀錄R0C與S0C的資料，並透過卡產品識 符（或藉由任何適當的方式）辨別此交易是否牽涉一 STN 15。在另一實施例中，此產品識別符（或BIN號碼）無法 區別STN 15與一般付款號碼。在此例子中，FINCAP10需 要呼叫後端應用程式服務8 (其連接STN資料庫6)，以分 辨STN 15與其他付款號碼。在分辨出STN 15與一般實體 付款卡，FINCAP10證明此號碼是有效的（也就是，存在 STN資料庫6)。如果此STN 15係一有效號碼，FINCAP10 產生一付款檔案，包括交易資料，並傳送一付款訊息到AP 4S&W/200105TW: 40655.0720 37 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐） ------------裝--------訂--------- (請先閱讀背面之注意事項再填寫本頁) 544605 A7 B7 五、發明說明（¾ ) (請先閱讀背面之注意事項再填寫本頁) 系統9，AP系統9命令付款給商家2。在付款給商家2時， 發卡者3只看STN 15，並不透露PCC 20或是任何一般付 款卡號碼。 此後端系統14處理持卡人1的STN帳戶資訊如下。 在紀錄從商家2而來的此交易資訊（ROC與SOC)後， FINCAP10產生一持卡人帳戶檔案，並傳送一訊息給後端 應用程式服務8，以處理持卡人開帳的資訊。了解到交易 牽涉到STN 15後，此後端應用程式服務8傳送交易明細 到AR系統11，AR系統11傳送適當的聲明給持卡人1， 通常聲明中只提及PCC 20號碼。在另一實施例中，此AR 系統11可處理此聲明，交易可進一步依PCC 20與STN 15 號碼分類並詳列。 經濟部智慧財產局員工消費合作社印製 如先前所述者，先前技術系統常常發生暫時交易號碼 在授權階段不意被停用，以使得交易無法完成。如多次付 款購買。本發明安全交易系統藉由確保有效的交易號碼將 被處理，克服此問題。如果使用條件參數不符合，持卡人 1在本發明一例示的實施例中，可以對交易提出爭議，並 得到授權可以在爭議處理程序中向商家索回價款（在下面 討論）。在爭議處理階段，發卡者3會從STN資料庫6擷 取資訊，以決定係爭資訊是否得到授權，也就是，具有相 關的核准碼。如果交易因爲使用條件參數不滿足而未獲授 權，此金額將從商家依照既定的商業規則索回。 另一實施例考慮到檢查核准碼與結帳時的其他條件。 在此，在結帳中可檢查交易資訊（核准碼、SE號碼、或其 4S&W/200105TW; 40655.0720 38 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐） 544605 經濟部智慧財產局員工消費合作社印製 A7 _______B7___ 五、發明說明（约） 他資訊）。舉例來說，此後端應用程式服務8 (或應用程式 伺服器5)可比較接收到的交易資訊與商業規則，或者相 關於持卡人1STN帳戶的條件。如果使用條件未符合，或 沒有有效的核准碼，此服務8或伺服器5會向商家索回款 項以補償先前給商家的付款。換句話說，在另一實施例中， STN 15交易處理至結帳，接著會發生以下事件。首先，一 旦決定此STN 15是一有效的號碼，會建立一付款檔案。 第二，付款給商家。第三，此系統應用商業規則或條件到 特定的關聯到STN I5的帳戶。第四，如果在第一例中已 經決定因爲交易條件不符合或沒有核准碼，商家2不應收 到付款，此系統將向商家索回付款。此結帳處理對持卡人 1是透明淸楚的，因爲在AR系統釋出一持卡人的帳單前， 商家收到付款並被索回，對持卡人的帳戶餘額無明顯影響。 爭議處理與客戶服務程序（步驟125): 本發明中的爭議處理程序牽涉到持卡人1或商家2對 收費提出爭議的狀況，這些狀況係關聯到牽涉STN 15的 交易。一般而言，一持卡人1藉由透過電話、郵件、或網 際網路聯絡付款卡提供者（發卡者）3，對付款提出爭議。 如同先前所提及者，一例示的AR系統Π通常只參考pc C 20的號碼對持卡人1開帳。本發明的電腦系統允許發卡者 的客服代表檢閱根據STN 15或PCC 20的資訊。圖12描 繪一例币的檢閱螢幕17 5，供查閱主要付款卡帳戶2 0以及 關聯到STN 15的交易。 4S&W/200105TW; 40655.0720 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐） -------------------訂--------- 線^^· (請先閱讀背面之注意事項再填寫本頁) 544605 A7 B7 五、發明說明（4〇) 針對持卡人提出的爭議，客服代表透過一爭議處理系 統（dispute handling system, DHS)初始化爭議，以取得 持卡人爭議交易的個案避免（case av〇idance)或個案設定 規則（case set rules )。個案避免與個案設定規則其中之一 提供STN資料庫的6的檢閱，以驗明此交易在處理過程中 具有一核准碼。如果一 STN 15交易提交時沒有核准碼， 設定規則可以提供自動向商家索回交易金額。此DHS或客 模代表初始化一持卡人1或商家2的聯絡（透過電話、郵 件、網際網路）。牽涉到STN IS的爭議可以根據產業種類 (也就是航空公司、租車公司等等）自動選路預先定義的 STN佇列。聯絡信件可以自動與從STN資料庫6擷取的資 訊一同歸檔。此調整檔案（adjustment file )存取此應用程 式伺服器5 (或回STN 15 )，以用STN 15替換PCC 20號 碼。然後產生一信件檔案，而一電子傳輸系統選路電子連 絡（electronic contact)到或從各種商家介面。 在供處理商家2提出之爭議的一例示系統中，一商家 2透過正常管道聯絡發卡者3。發卡者代表通常會存取用來 爲商家服務的一應用程式。此應用程式藉STN 15識別有 爭議的帳戶。一案件係以STN 15組織起來，並透過調整 管理系統來管理。此調整管理系統與一信件產生系統存取 此安全交易系統以供帳戶號碼交換，PCC 20號碼被STN 15 替換。餘下的詢問依循現存爭議處理系統處理。 以下提供許多運用此安全交易系統的特徵。 在另一安全交易系統之例示的實施例中，一發卡者3 4S&W/200105TW; 40655.0720 40 本紙張尺度適用中國國家標準（CNS)A4規格（21〇 X 297公釐） (請先閱讀背面之注意事項再填寫本頁) 裝--------訂---------線* 經濟部智慧財產局員工消費合作社印製 544605 經濟部智慧財產局員工消費合作社印製 A7 B7 五、發明說明（Μ) 可提供一信用額度，一商家2或一群商家可以標籤標明供 他們的客戶使用。這允許商家2提供一標示商標的信用額 度，其***授權與結帳具有極小收費或沒有收費。商家 會核准一信用額度或要求發卡者3核准一信用額度給客 戶。然後發卡者會透過商家2核發一 STN 15給客戶。此 STN 15只可以被用在核發此信用額度的商家2處。當客戶 想要使用商家的信用額度進行購買時，商家轉呈一標準信 用請求到STN系統18，其中STN 15在交易的通訊協定中 被用作一***號碼。此STN系統18可以拒絕此信用額 度在其他未參加網站上的使用。發卡者3可提供私有商標 .或聯名（co-branded )的網站，以申請信用額度。商家2 可以私下保留電子信用額度，或將其提供給客戶。此授權 系統不會授權在其他網站上的使用。 圖13描繪一例示的安全交易程序，供提供信用額度給 商家2之用。一持卡人1或客戶（他可以是，也可以不是 參加之發卡者3的現有卡會員）向商家2申請一電子信用 額度（electronic line of credit，ELOC )(步驟 221 )，商家 2再將持卡人1導引到發卡者的網站以塡寫ELOC的申請 表30 (步驟222 )。執行一欺詐檢查31 (步驟223 )，而通 常信用詢問係由任何信用詢問公司（credit bUreau company) 33執行（步驟224)。如果一卡處理系統32決 疋fg用係可接受的，即設立一帳戶（步驟2 2 5 )。一實體卡 34在一般處理時並不會產生，其可能需要依據特定系統設 疋被淸除（步驟226 )。此帳戶被傳送到一帳戶管理系統3 5 4S&W/200105TW; 40655.0720 .. 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐） -----------裝--------訂---------線 (請先閱讀背面之注意事項再填寫本頁) 544605 經濟部智慧財產局員工消費合作社印製 A7 B7 五、發明說明（ (步驟227 )，然後此帳戶被轉呈給STN資料庫6與應用 程式伺服器5 (步驟228 )。持卡人1的帳戶接著關聯到一 有效的商家識別號碼，如SE號碼36 (步驟229 )。接著一 帳戶按照一 ELOC簡介37，此時從屬交易ELGC號碼被傳 回到持卡人1 (步驟23〇)。商家2提交ELOC付款請求給 CAS 7(步驟231)，而CAS 7選路此ELOC到STN系統（步 驟232 )，STN系統驗明SE號碼係核准以供此特定ELOC 所使用（步驟233 )。此STN系統將此ELOC STN轉換成 帳戶管理系統中關聯的帳戶，並回傳給商家（步驟234)。 然後商家必須提交授權碼’並伴隨收費收據（R0C)與收 費總結（SOC)。商家提交ROC與/或SOC給發卡者的 FINCAP10 (步驟235 )，收到後FINCAP轉呈此ELOC給 STN系統（步驟236 )。此STN系統驗明下列事項：（i)此 SE號碼針對特定ELOC帳戶係有效的（步驟237 )以及（ii) 此特定交易係授權苦使用特定的EL0C帳戶（步驟238 )。 此STN系統接著翻閱（flip)卡號，將其回傳給FINCAP10， 收到後再轉呈此號碼到發卡者的應收帳款系統11 (步驟 239 )。FINCAP轉呈此資訊到應付張款系統9 (步驟240)， 並付錢給商家2 (步驟241)。 另一例示的實施例允許一持卡人提供資金給具有從屬 父易號碼的一線上錢包。在此實施例中，在產生並關聯到 主要付款卡之後，此從屬交易號碼被提供給持卡人在一指 定的數位錢包中使用，此數位錢包常駐於持卡人的電腦， 或者可能儲存於現在以密碼保護的帳戶中。 4S&W/200105TW; 40655.0720 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐） ------------•裝--------訂---------線·------------- (請先閱讀背面之注咅？事項再填寫本頁) 經濟部智慧財產局員工消費合作社印製 544605 A7 B7 五、發明說明（今3) 在另一實施例中，此從屬交易系統可以被用來完成牽 涉非貨幣點數（tender )，如 American Express® Membership Rewards as CurencyTM系統，其被詳細描述於2000年5月 2日送件的美國臨時申請案案號60/201,114,在此作爲參 考之用。此系統的一實施例，描繪於圖14中，允許一持卡 人1產生一 STN 15,以供用來花費會員獎賞點數。一般而 言，一會員或鼓勵獎賞計劃（incentive rewards program) 係爲一忠誠計劃，其獎賞持卡人使用它們的付款卡進行消 費。持卡人藉由使用參與的付款卡，或在參與的商家處購 買產品，以累積點數。這些點數稍後可以轉換成金融價値 (monetary value)並被贖回以購買商品。 如圖14所示，一持卡人1透過一使用者介面系統4(如 一網際網路連結），存取並登入到一發卡者的服務（步驟 2S1)。持卡人1繼續（點選超連結）進行到會員獎賞（MR) 系統95，持卡人1在會員獎賞（MR)系統95處指明他想 使用它MR帳戶中可利用的會員獎賞點數（步驟252 )。此 MR系統95向持卡人1報告可利用的MR點數値多少錢（步 驟253 )。持卡人1指明有多少MR點數（轉換成金融加値） 應該載入帳戶，可用來作爲購物之用。（步驟254 )。在一 例示的實施例中，STN 15可以關聯到一 MR帳戶，也就是， 一主要付款卡帳戶，其係由這些MR點數資助。此MR帳 戶的使用可以由持卡人1與發卡者3所限制，或者可進一 步受到MR系統使用規則所限制，這些使用規則可能已經 由參與商家預先定義（步驟255 )。一旦MR系統95核准 4S&W/200105TW: 40655.0720 43 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) I裝--------訂---------線* 經濟部智慧財產局員工消費合作社印製 544605 A7 B7 五、發明說明（叫） 了並重新配置所請求的MR點數，此STN系統18關聯到 一 STN 15 並建立一 MR-STN 15 簡介（profile)(步驟 256 )。此MR-STN檔案簡介包含將適用的選項以及將可供 STN利用的金額。此STN系統18傳回此STN 15 (以及其 他帳戶資訊）到此MR系統95，以提供給持卡人1使用， 以完成後面的交易（如線上構物）（步驟257 )。 當想要使用MR點數累積（point-funded) STN 15，持 卡人1進行到一商家網頁（線上網頁），選擇商品並被商家 請求提供付款資訊（如透過一線上付款網頁）。持卡人1 選擇適當的發卡者3當作付款的方式（如American Express®、VISA®、等等），並輸入STN 15到適當的付款 欄位（步驟258 )。商家如上所討論的處理此STN 15授權 (步驟259 )，發卡者CAS 7辨認此交易爲牽涉一 STN 15, 並轉呈此請求到此STN系統18,此STN系統18包括一應 用程式伺服器（圖8，編號5)與一 STN資料庫（圖8， 編號6)。吾人應該了解此簡介資訊可以儲存於在一 MR資 料庫、STN資料庫或任何其他適當的資料庫（步驟260 )。 此STN系統18辨識此帳戶唯一 MR帳戶，並驗明所有選 擇性的條件是否符合。如果條件不符合，一錯誤碼（error) 回傳至CAS 7然後再傳至商家（步驟261)。如果條件符 合，從MR-STN簡介上的可用餘額上扣除購買金額，購買 的紀錄紀錄在MR-STN簡介中，然後一核准碼回傳到授權 系統（步驟262 )中，再傳至商家（步驟263 )。雖然本實 施例考慮到外加的CAS 7處理，外加規則與確認（通常被 4S&W/200105TW; 40655.0720 44 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐） -----------·裝--------訂--------- (請先閱讀背面之注意事項再填寫本頁) 544605 經濟部智慧財產局員工消費合作社印製 A7 B7 五、發明說明（45) 運用）對這種帳戶並非必要。商家終結此核准的購買，STN 15交易透過商家的POS網路提交出去以進行結帳（步驟 264)。此STN 15交易由發卡者的財務紀錄系統（FINCAP) 10所接收（步驟265)。此FINCAP 10轉呈此STN交易到 適當的AP系統9 (步驟266 )。此AP系統9接著根據適當 的結帳條款（settlement term)與條件付款給商家（步驟 267 )。此FINCAP 10，識別此交易爲牽涉STN 15後，傳 送此交易資訊至STN系統18 (透過一後端應用程式服務 8)，以識別此實際的帳戶號碼（也就是PCC 20)(步驟 268 )。此STN系統18辨認出STN 15係關聯到一 MR帳戶， 搜尋此MR-STN簡介並傳遞一信用請求（credit request ) 給適當的持卡人1的MR帳戶，以降低可供利用的MR點 數（步驟269 )，以及（ii)此交易紀錄被用來建立信用點 數，以對照實際的付款卡帳戶（如PCC 20)，實際的付款 卡帳戶將補償已付費的STN 15交易（步驟26外）。在第一 例子中（步驟269 a)中，此STN系統18傳遞一請求給 MR系統95，以減去適當數目的MR點數。在第二例子中 (步驟269b)，原始交易與信用點數與實際的付款卡帳戶 號碼（如PCC 20號碼）都被傳回給FINCAP 10。FINCAP 10接著轉呈此收費與信用交易至適當的AR系統11，以進 行正常的開帳處理。 如圖式所示，描述在圖14中的實施例允許此持卡人1 以兩種方式之一花費MR點數。第一，此會員獎賞點數可 以在交易處理時被減除，或第二，此交易可以反映於持卡 4S&W/200105TW; 40655.0720 45 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐） -----------裝--------訂--------- (請先閱讀背面之注意事項再填寫本頁) 544605 A7 B7
五、發明說明（牵㈠ |的帳單上，並伴隨著相關的信用點數，其以獎賞點數表 現此付款。 另一會員獎賞實施例係顯示於圖I5中。在此，當在一 商家的網站上購物時，持卡人1可以選擇使用會員獎賞點 數，此網站支援會員獎賞點數當作一付款選擇。請參閱圖 15，持卡人1去參加商家的網站（如線上網站）以選購商 品或服務。持卡人1選擇商品，並留在一付款網站，在此 站處，發卡者的“尺點數是付款選擇的一種（步驟301)。 當持卡人選擇此選項，建立與發卡者3的安全連結，發卡 者3認證持卡人與商家2 (步驟302 )。此發卡者3透過一 爆出螢幕、一 HTTP重定向連結、或商家所下載的一 appiet 小程式，請求持卡人的使用者身分與密碼（步驟303 )。持 卡人1供給使用者身分與密碼，身分與密碼伴隨著購買金 額回傳至發卡者（步驟304)。發卡者的使用者介面4 (如 線上服務）使得持卡人1得到認證，收集關聯的已登記之 卡帳戶，並引發MR系統95 (步驟305 )。此MR系統使用 這些卡帳戶以識別此持卡人的MR帳戶（步驟306 )。如果 登記的帳戶沒有一個是關聯到一 MR帳戶的，持卡人1則 無法使用MR點數去支付價款，而一錯誤回傳到持卡人的 電腦。在識別此MR帳戶後，可使用的MR點數被轉換成 相對應的均等現金（cash equivalent )，並以請求的購買金 額比較。如果購買金額大於MR均等現金，一錯誤回傳到 持卡人1處（步驟307 )。如果MR均等現金大於購買金額， 收集所有參與MR帳戶的卡帳戶並回傳到持卡人1 (步驟 —--------裝--------訂---------線 (請先閱讀背面之注意事項再填寫本頁) 經濟部智慧財產局員工消費合作社印製 4S&W/200105TW; 40655.0720
544605 經濟部智慧財產局員工消費合作社印製 A7 B7 五、發明說明（ΦΊ) 308 )。持卡人1指定此卡帳戶被用以支付所有接續的財務 活動，此卡帳戶接著被回傳到發卡者3 (步驟309 )。然後 發卡者3觸發STN系統18以建立一 STN 15，此STN 15 係關聯到選定的MR帳戶號碼，並且設定一 MR-STN帳戶 簡介（步驟310)。此STN系統18回傳此STN 15至使用 者介面系統4，然後傳到持卡人1 (步驟311)。持卡人1 剪貼或自動塡入此STN 15到適當的商家付款欄位（步驟 312)。 如同先前所述，商家使用現存的授權網路以請求STN 交易的授權（步驟313)。CAS 7辨認此交易牽涉STN 15， 並轉呈到STN系統18 (步驟314)。此STN系統18識別 與STN 15 (步驟315)相關聯的實際帳戶號碼（如PCC 20 號碼），並且辨認此帳戶成MR帳戶。在這裡，雖然所有的 MR交易可能已經事先核對，MR帳戶餘額再一次接受檢查 以減低可能的欺詐（如使用相同MR點數做出兩次請求的 欺詐）。然後從此MR系統95擷取實際帳戶之MR點數的 均等現金，如果購買金額大於可利用的金額，一錯誤回傳 至授權系統與客戶（步驟316)。如果MR點數均等現金的 價値超過購買金額，STN系統紀錄MR-STN簡介中的購 買，並回傳STN 15至CAS 7 (步驟317)。CAS 7接著完 成實際帳戶的授權（如確保PCC 20的限制都被遵守）（步 驟318)，並且將結果回傳（如核准碼）到商家2(步驟319)。 核准的交易由商家2終結，STN交易透過銷售網路的 現存據點提交以進行結帳（步驟320 )。如前所述，此交易 4S&W/200105TW; 40655.0720 47 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐） -----------裝--------訂---------線 (請先閱讀背面之注意事項再填寫本頁) 經濟部智慧財產局員工消費合作社印制衣 544605 A7 B7 五、發明說明（4β) 資訊係由發卡者FINCAP 10接收（步驟321 )，然後轉呈給 到適當的ΑΡ系統9 (步驟322 )以進行付款（步驟323 )。 由於此交易牽涉一 STN 15, FINCAP 10將交易引導至STN 系統18以識別PCC 20 (步驟324 )。此STN系統18識別 此PCC 20 (步驟325 )，並識別STN 15帳戶係使用MR點 數所設定，其中STN系統18遍尋MR-STN簡介以尋找相 關的購買紀錄（步驟326 )。此STN系統（i)傳送一信用 請求至MR以扣除MR點數（步驟326a)，或（ii)相對此 開帳交易（billing transaction)產生一信用點數（步驟 326b)。在步驟326a，此STN系統18傳送一請求到MR 系統95以減扣適當數目的MR點數。在此不需要回傳此 AR交易資訊到FINCAP，以供轉呈至AR系統11，但是一 調解帳目（reconciliation entry)係產生以調解FINCAP 10 的AR。在步驟326a中，一交易紀錄係用以建立相對於真 實帳戶號碼（如PCC 20)的信用點數，這些帳戶號碼將補 償收費交易。此STN系統18將此信用點數轉呈到FINCAP 10。原始的開帳交易被回傳至FINCAP以顯示在持卡人1 的聲明上。然後FINCAP 10轉呈此收費交易到一適當的 AR系統以進行一般正常處理。FINCAP 10轉呈MR系統 95核發的信用點數到適當的AR系統11中以進行正常的 開帳程序。據此，持卡人將在其聲明上看到一信用點數， 此信用點數反映出已經使用的MR點數貨幣價値，以及交 易金額中的收費。 另一實施例提供一個或更多個STN的產生，這一個或 4S&W/200105TW; 40655.0720 48 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐） -----------裝--------訂---------線 (請先閱讀背面之注意事項再填寫本頁) 544605 A7 B7 五、發明說明（q) (請先閱讀背面之注意事項再填寫本頁) 更多個STN係隸屬於並關聯到一主要從屬交易號碼，如上 所述，此主要從屬交易號碼係關聯到持卡人的PCC 20帳 戶。如上面所提到的，這些隸屬的號碼也可以以數位的方 式儲存於如無線電話、個人數位助理、掌上型電腦或相似 物中。 提供多層從屬交易號碼給予持卡人1很大的靈活性。 舉例來說，一休假中的持卡人可以組織主要STN 15以使 其在休假期間有效。然後持卡1能夠產生具有多種偏好之 隸屬的從屬交易號碼，以考慮到在休假中可能發生的各種 活動。一持卡人1可以組織主要從屬交易號碼，以使其的 最高信用限制是3000元（這假設相關的主要付款卡信用限 制等漁獲大於3000元），此從屬交易號碼在休假期間都是 有效的。然後一隸屬的從屬交易號碼可以提供給配偶，並 有著1000元的限制，可提供給兒童限制在500元之外加的 從屬交易號碼。各個隸屬卡可以只在休假期間有效，並只 對指定的最高金額限制有效。 經濟部智慧財產局員工消費合作社印製 4S&W/200105TW; 40655.0720 49 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐）

Claims (1)

  1. A8 B8 C8 D8 544605 六、申請專利範圍 4.如申請專利範圍第3項的方法’其中該從屬交易號碼 係由一電腦系統所產生。 5 ·如申請專利範圍第3項的方法，其中一可攜式資料裝 置係被規劃以產生該從屬交易號碼。 6·如申請專利範圍第5項的方法，其中一可攜式資料裝 置I賈取器係被規劃以從該可攜式資料裝置讀取該從屬交 易號碼。 7·如申請專利範圍第3項的方法，其中該從屬交易號碼 係由一持卡人的遠端電腦系統所產生，該持卡人的遠端 電腦系統係被規劃以支援與一發卡者的交易系統間的互 動。 8·如申請專利範圍第1項的方法，其中關聯該從屬交易 號碼與一主要帳戶的步驟進一步包含在一資料庫中紀錄 該從屬交易號碼的步驟，而該資料庫係關聯到該主要帳 戶。 9. 如申請專利範圍第1項的方法，其中該主要帳戶係關 聯到一實體付款卡。 10. 如申請專利範圍第1項的方法，其中核發該安全交易 4S&W/200105TW; 40655.0720 本紙^尺度適用中國國家標準（CNS)A4規格（21〇 x 297公釐） (請先閱讀背面之注咅2事項再填寫本頁) 經濟部智慧財產局員工消費合作社印製 -·1111111 11111111 I I--------I-------I--11_ 544605 A8 B8 C8 D8 經濟部智慧財產局員工消費合作社印製 六、申請專利範圍 號碼給一持卡人的步驟，係由一使用者介面所完成。 11·如申請專利範圍第1 〇項的方法，其中該使用者介面 系統包含下列至少一個：一網路伺服器、一電話系統、 以及一郵件處理系統。 12 ·如申請專利範圍第1項的方法，進一步包含登記一持 卡人以使用一交易系統的步驟，此交易系統係被規劃以 產生並核發一從屬交易號碼；以及在適當的登記之後， 提供持卡人登入的資訊的步驟。 13·如申請專利範圍第i 2項的方法，其中該登入資訊係 爲依使用者名稱與密碼。 14.如申請專利範圍第1 2項的方法，進一步包含下列步 驟： 提示該持卡人登入資訊，以確認該持卡人已經登記使用 一交易系統’該交易系統係被規劃以產生並核發該從屬 父易號碼； 從該持卡人處接收登入資訊，並且在核對持卡人已經登 記使用該交易系統，提供持卡人到該交易系統的存取； 以及 接收一持卡人對一從屬交易號碼的請求。 4S&W/200105TW; 40655.0720 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) _· 訂i -線·φ---------------------- 544605 A8 B8 C8 D8 經濟部智慧財產局員工消費合作社印製 六、申請專利範圍 15.如申請專利範圍第1項的方法，進一步包含下列步驟： 允許該持卡人選擇並定義使用條件（condition-of-use )參 數，其中該參數限制該從屬交易號碼可能被使用的方 式； 藉由儲存該參數於一個或多個持卡人帳戶資料庫欄位 中，關聯該使用條件參數與該從屬交易號碼，其中該一 個或多個持卡人帳戶資料庫欄位係關聯到該從屬交易號 碼。 16·如申請專利範圍第1 5項的方法，其中該使用條件參 數係關聯到該主要帳戶，該主要帳戶包含至少一主要帳 戶信用上限（credit limit)與一有效期限（expirati〇n date ) 〇 17·如申請專利範圍第1 5項的方法，其中使用條件參數 進一步包含至少一從屬交易號碼信用上限與一有效期 限。 18.如申請專利範圍第1項的方法，進一步包含下列步驟： 從一商家接收交易資訊，以進行授權，並轉呈該交易資 訊到一卡授權系統以處理授權； 使用該卡授權系統以處理該交易資訊，其中該卡授權系 統連接一安全交易系統，以決定授權是否合宜。 4S&W/200105TW; 40655.0720 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) 1 声 - - ϋ ϋ I I a^i ϋ 一-0、1 ϋ I ·ϋ I ϋ ϋ I .1 ^1 ^1 ϋ ^1 ^1 ^1 ϋ ϋ n ϋ n .^1 ϋ ^1 ϋ 1^— ^1 ^1 ^1 OQ888 ABCD 544605 六、申請專利範圍 19. 如申請專利範圍第1 8項的方法，進一步包含下列步 驟： 確認該交易資訊包括一從屬交易號碼； 產生一授權訊息記載該交易資訊，寄送該訊息到一安全 交易系統，該安全交易服務收到該訊息後，得以識別該 關聯的主要帳戶，並且決定使用條件參數是否滿足； 如果關聯到該從屬交易號碼以及該主要帳戶的使用條件 參數皆滿足，回傳一適當的核准碼給該卡授權系統，以 轉呈給該商家；以及 如果該主要帳戶的條件或該從屬交易號碼中任何一者不 滿足，拒絕該授權請求。 20. 如申請專利範圍第1項的方法，包含下列步驟： 從一商家接收交易結帳資訊（transaction settlement information )，其中該交易係使用一從屬交易號碼所完 成； 擷取在一財務紀錄系統中的資訊，並且產生一付款檔案 與一持卡人聲明檔案； 轉呈該付款檔案，參照該從屬交易號碼到一應付帳款系 統供付款給該商家； 轉呈該持卡人的聲明檔案到一後端應用服務，以將從屬 交易號碼替換成主要帳戶號碼； 轉呈持卡人的聲明檔案給一應收帳款系統，供開帳之用。 4S&W/200105TW; 40655.0720 54 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) -· 經濟部智慧財產局員工消費合作社印製 ϋ ϋ I ϋ ϋ ϋ I I ϋ ϋ ϋ ϋ — ϋ ϋ ϋ ϋ I ϋ ϋ n ϋ ϋ ϋ ϋ ϋ I ϋ ϋ I I 544605 A8 B8 C8 D8 六、申請專利範圍 統，供處理給商家的付款； 產生一持卡人檔案並選路到一服務，該服務存取該相關 聯的主要帳戶號碼，並且將該從屬交易號碼替換成該主 要帳戶號碼，然後轉呈所造成的檔案到一應收帳款系 統，以產生該持卡人聲明。 24. 如申請專利範圍第2 2項的方法，進一步包含一電子 信用額度系統。 25. 如申請專利範圍第2 2項的方法，進一步包含一非貨 幣爲基礎的系統。 26. —種主機電腦系統，供完成交易，包含： 一使用者介面，其被規劃以允許持卡人與一主機電腦的 交易服務互動； 一號碼產生與處理機制，其包括至少一應用伺服器與至 少一資料庫，該號碼產生與處理機制係被規劃以接收從 該使用者介面系統的輸入，以產生一從屬交易號碼，並 且關聯該從屬交易號碼到一選定的主要帳戶； 一卡授權處理機制，其係被規劃從商家接收交易資訊， 其中該授權機制連接至少一個該號碼產生與處理機制， 以決定應該核准或拒絕該商家的授權請求； 一結帳處理機制，其包含至少一財務紀錄系統，該至少 一財務紀錄系統係被規劃以擷取與使用從屬交易號碼相 4S&W/200105TW; 40655.0720 56 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐） (請先閱讀背面之注音3事項再填寫本頁) 經濟部智慧財產局員工消費合作社印製 ---------訂-------- 線皿----------------------- 544605 A8 B8 C8 D8 經濟部智慧財產局員工消費合作社印製 六、申請專利範圍 的步驟。 36.如申請專利範圍第3 5項的方法，進一步包含處理從 一商家而來的授權請求的步驟，該授權請求係關於一交 易，該交易係牽涉一從屬交易號碼，該從屬交易號碼係 關聯到一非貨幣爲基礎的帳戶，該步驟進一步包含下列 步驟： 辨認該交易爲牽涉一非貨幣爲基礎的帳戶； 驗明該使用條件已經符合· ，以及如果符合該使用條件 從該非貨幣爲基礎的帳戶餘額扣除該交易金額。 37·如申請專利範圍第3 5項的方法，進一步包含處理針 對一交易從一商家傳來的一交易結帳請求的步驟，該交 易係牽涉到一從屬交易號碼，而該從屬交易號碼係關聯 到一非貨幣爲基礎的帳戶，該步驟進一步包含下列步驟： 於一財務紀錄系統中擷取該交易資訊，其中並產生一付 款檔案’依據結帳期限與條件付款給該商家； 轉呈一交易費用到一應收帳款系統； 確認該交易牽涉到一從屬交易號碼，該從屬交易號碼係 關聯到一非貨幣爲基礎的帳戶； 從該非貨幣爲基礎的帳戶，核發與該交易費用相當的一 信用點數給該應收帳款系統；其中從該非貨幣爲基礎的 帳戶而來的該信用點數與該交易費用抵銷。 (請先閱讀背面之注意事項再填寫本頁) .· 訂-— 4S&W/200105TW; 40655.0720 本紙張尺度適用中國國家標準（CNS)A4規格（21(^ 297公釐） 線— ----------------------- OQ888 ABCD 544605 六、申請專利範圍 格式相同； 被規劃該可攜式資料裝置以支援與一顯示單元的互動， 以完成該從屬交易號碼的顯示。 41 ·如申請專利軔圍弟4 0項的方法，其中該可攜式畜料 裝置係爲一智慧卡；其中該智慧卡包含一微晶片，供產 生一從屬交易號碼。 42·如申請專利範圍第4 1項的方法，其中該顯示單元係 爲一智慧卡讀取機。 43·如申請專利範圍第4 1項的方法，其中該可攜式資料 裝置係爲一遠端處理單元，其中該遠端處理單元係被規 劃以搭配一處理裝置，供產生一安全交易號碼以及顯示 該號碼給一持卡人。 44· 一爭議處理方法，供完成一受爭議的交易，該受爭議 的交易係牽涉到一從屬交易號碼，包含下列步驟： 接收關於一交易的爭議，該交易牽涉到關聯到一主要帳 戶的一從屬交易號碼； 從一資料庫擷取交易資訊； 將該主要帳戶號碼置換成該從屬交易號碼以初始化一商 家的詢問； 其中該商家的詢問係只參考該從屬交易號碼。 4S&W/200105TW; 40655.0720 61 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐） (請先閱讀背面之注音？事項再填寫本頁) · 經濟部智慧財產局員工消費合作社印製 訂---------線I ---------------------
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US8818907B2 (en) 2014-08-26
US20040158532A1 (en) 2004-08-12
AU2001243473A1 (en) 2001-09-17
US7835960B2 (en) 2010-11-16
US20040210448A1 (en) 2004-10-21
US20040210449A1 (en) 2004-10-21

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