TW561773B - Mobile electronic funds transfer system and method - Google Patents

Abstract

A mobile virtual e-purse micro-payment method and system is provided. The consumer keys in a formatted SMS instruction and sends this to a specified telephone number to effect micro-payment from a monetary funds account which may include a stored-value virtual electronic purse account or an issuing bank account from which funds may be directly debited to his selected merchant. A security feature is provided in which the unique MSISDN phone number identifier and the USERID serve to identify the consumer. For added security the consumer gets a formatted voice call asking him to confirm the payment instructions and to key in his PIN (person identification number). The invention also provides for simple, effective multi-modal return paths via simple fax, e-mail or phone confirmation giving physical records to the merchant that payment has been made.

Description

561773 五、發明說明（1) 本發明係有關電子商務及電子金融轉 由移動式裝置施行之系統與方法。 x尤#曰—種轉 按，近年來電子商務的興起，使的消 :方式來支付，提供消費者更有效的方=二=電 務。許多現代的機關也提供電子金融；支付：J π商m或服務的供應者，像是透過***、電話銀旱 消費者的電子錢包直接支付款項。 、’或由 近來電子商務的發展更提供消費者 以電子方式移轉資金。“甚者移動式終端機 π么A十 凡有甚者’ 4費者更能經由手機透 過無線應用軟體協定（Wirel A 1 . . ^ WAP)之技術以電子方式去 』P iCatl〇n Protoco1’ 先透過無線方式去登二去路移轉二金。 接受確認與確認通“；；：開二，資金移轉之請求’ 線上交易容易因為時間;將產生可觀費帛。其次’ 有一個具有WAP功能的手]機了；^線。此外，使用者必須擁 只有少部分的手機使用者/古月b利用本項服務。然目前， 此外，近來大部分的；：此能力。 像是在網際網路交易_展，皆傾全力於虛擬地交易， 易，與一介在付款消費者1父易或是移動式網際網路交 動式虛擬付款。 、t 收款廠商間之實體交易的非移 由於目前使用的電子八一 明人遂竭其心智研發出—i融轉帳具有上述之缺點，本發 ^ 個系統與方法，以改善上述之缺561773 V. Description of the invention (1) The present invention relates to a system and method for transferring electronic commerce and electronic finance to mobile devices. x 尤 # 说 —This kind of conversion. The rise of e-commerce in recent years has eliminated consumption: ways to pay and provide consumers with a more efficient way = two = electricity. Many modern institutions also provide electronic finance; payments: J πm or service providers, such as direct payments through credit cards, telephone banking and consumer electronic wallets. , ’Or the recent development of e-commerce has provided consumers with the ability to transfer funds electronically. "Even if there is a mobile terminal π A, there is nothing in it. 4 Consumers can go electronically through mobile phones through the technology of the Wireless Application Protocol (Wirel A 1.. ^ WAP)" P iCatl0n Protoco1 ' First go to Deng Er wirelessly to transfer Er Jin. Accept the confirmation and confirm the communication ";;: Open the second, the request for fund transfer 'Online transactions are easy because of time; considerable fees will be incurred. Secondly, there is a mobile phone with WAP function]. In addition, users must have only a small number of mobile phone users / Gu Yueb to use this service. Of course, currently, in addition, most of the recent ;: this ability. For example, in the Internet transaction exhibition, they are fully committed to virtual trading, Yi, and a payment consumer 1 or the mobile Internet interactive virtual payment. The non-moving of the physical transactions between the beneficiary manufacturers. Because the current electronic Bayi Ming people have exhausted their minds to develop-i financial transfer has the above-mentioned shortcomings, this system ^ a method and method to improve the above-mentioned shortcomings

561773561773

=，不論藉由移動式虛擬交易或實體交 ^移動式終端機使用電子金融㈣，並且； 由疋，本發明之主要， μ 電子方式將資全f鉍工 P在叹计一個能讓付款人 八析貝金移轉予收款人之電 系統包含一個鉍釣你 兒丁 A至㈤轉帳系統。此 Q 3個靶夠傳送短訊服務（Sh〇rt=, Whether through a mobile virtual transaction or physical transfer ^ mobile terminals use electronic finance, and; by the way, the main point of the present invention, μ electronic means will be used to calculate the cost The analysis system of the Bachkin transfer to the payee includes a bismuth A-to-A transfer system. This Q 3 targets are enough to send short message service (Sh〇rt

Service， SMS )之蒋翻彳、s %胩罢 ge 金融資全懵戶盥 動式通成衣置、一個與付款人相關的 貝金帳戶與一個接收SMS訊息 器，及一操彼Ηβ处 ^〜τ天付放閘門伺服 燋杩/ϋ X接力，使金融資金帳戶與受款人藉由付款芊 構k供者之付款交易中中 褙田仃认木 约中心中取付杈柘在線上進行買賣及貨 人的ί ϋ ί次要目的係在提供一個給予付款人對於收款 )的電子式金融轉帳之方法。此方法包含接受一短訊服務 人一人eSSage Service，SMS)之訊息，此短訊服務包 各一晶々，此指令可由SMS訊息發送者之金融資金帳戶自 動有效的轉移資金至交易的指定的收款人。 另’此金融資金帳戶可能為電子錢包帳戶或發卡銀行 帳戶’且’根據接收的SMS訊息，一申請書將會傳送至SMS 訊息發送者用以確認此項付款指令，此亦需使用者傳送其 個人識別碼（Pers〇nal Identificati〇n Number，PIN) ’而且此確認請求係由語音合成（Text To Speech，TTS )技術採用語音電話的方式。此外，此發明在實體交易時 提供多型態的回傳途徑至該付款紀錄予收款人，而此付款 紀錄之回傳途徑如傳真、電子郵件、一個固網的格式化語Service (SMS), Jiang Fanyi, s%, and all the financial financing households have ready-to-wear garments, a Paykin account related to the payer, an SMS receiver, and other operations. Β ~ τ Tianfu releases the gate servo 燋 杩 / ϋ X relay, so that the financial fund account and the payee can use the payment system to make payment transactions with the supplier. The secondary purpose of the consignor is to provide a method of electronic financial transfer to the payer for collection). This method includes receiving a message from one SMS servicer and one eSSage Service (SMS). This SMS service package has one crystal. This instruction can automatically and effectively transfer funds to the designated receipt of the transaction by the financial fund account of the sender of the SMS message. Section. In addition, 'this financial fund account may be an e-wallet account or a card-issuing bank account' and 'according to the received SMS message, an application will be sent to the sender of the SMS message to confirm this payment instruction, and the user is also required to send it Personal Identification Number (PIN) 'and the confirmation request is made by a voice call using a Text To Speech (TTS) technology. In addition, this invention provides multiple types of postback channels to the payment record to the payee during the physical transaction, and the postback channels of this payment record such as fax, email, and a fixed-line format word

561773 五、發明說明（3) 音回應（Formatted Voiced Response，FVR)或移動、 SMS或FVR的方式。 5夕勒式 —為使貴審查委員了解本發明之目的、特徵及功效， 炫藉由下述具體實施例，並配合所附之圖式， 七 一詳細說明，說明如后： 作做 請參閱第1圖，係為本發明之實施例之各 f所示1以-使用者利用此發明之系統由其電子錢包做° 電子金融轉帳至廠商為例，此系統使用者擁有一 SMS性能之移動式通訊裝置i ’如手機或手提及、盆 可以傳送及接受SMS訊息的穿置。蒋韌彳、s 月 八他 接5佔田去八杜μ s 移動式通訊裝置1可連 接至一使用者登錄的通訊公司之通訊網路。 本發明的的特色在於1允哞夂插 F詈一 Φ 1 /伽A几卫△八允。午各種通矾公司在各已登錄 衣置忠減/個人化平台與各註冊廠商連結。 化平台可以透過區塊2運作，# m 此忠減個人 提供或訂做不同的付款之】通訊公司透過個人化界面 之商業事務。此外，亦允許：商；；；及處理廠商及顧客 所捭祉Μ方σ斗、ηρ # 长麥與SlngTel忠誠計劃的廠商 所&供的產品或服務訂購時有1G%的折扣。 區塊3為一個或任何转中 /弓I擎。這其中包含許多掌 通訊公司現存的忠誠平台 訊公司現存的忠誠平台/引業擎矛V二些業務可以形成部分/ 務（包含寬頻）’與移動象疋固網的語音及資料業 移動式小額付款交易不相^ =音及育料業務，此業務與 業務之範圍。在區塊2的J )並不屬於本發明系統預期 〜喊/個人化平台提供與此發明 。〇丄773561773 V. Description of the invention (3) Formatted Voiced Response (FVR) or mobile, SMS or FVR. Mayer-style—In order to make your reviewing committee understand the purpose, features, and effects of the present invention, the following specific examples will be shown in conjunction with the accompanying drawings, which will be explained in detail in the following: Figure 1 is shown in each f of the embodiment of the present invention. 1 Take-the user uses the system of this invention to do an electronic financial transfer from his electronic wallet to the manufacturer as an example. The user of this system has a mobile phone with SMS performance. The communication device i ', such as a mobile phone or a hand-held device, can send and receive SMS messages. Jiang Renmin, s Yueba and other 5 occupants and 5 octas to Badu μ s mobile communication device 1 can be connected to the communication network of a communication company registered by the user. The feature of the present invention is that 1 allows cutting F 詈 1 Φ 1 / GaA Jiwei △ Ba Yun. In the afternoon, various Tonglu companies connected to the registered vendors on their registered clothing-reduction / personalization platforms. The platform can operate through block 2. #m This loyal individual provides or orders different payments.] The communication company's business affairs through a personalized interface. In addition, it also allows: merchants; and; to deal with the welfare of the manufacturers and customers, sigma buckets, ηρ # Changmai and the SlngTel loyalty program manufacturers & products and services offered by the 1G% discount when ordering. Block 3 is one or any of the turn / bow I engines. This includes many of the existing loyalty platforms of the communications company. The company's existing loyalty platform / Industry Engine V. These two businesses can form part / service (including broadband) and mobile voice and data industry mobile voice and data industries. Payment transactions are not the same ^ = audio and breeding business, the scope of this business and business. J) in block 2 does not belong to the present invention. The system is expected to provide a shout / personalized platform with this invention. 〇773

^，之忠誠計劃相關之移動式小 a ^ , 及其參與廠商，像是可斑通％八-Ί = #人，給各個通矾公司 台結合且人r ί 舁通 司現存的忠誠平，弓丨擎平 4 / a併之連接器與商業邏輯。同揭的，區掄ο 十 誠/個人介羋a ★⑭ Η樣的，&塊2的忠 里名單提供由此發明系統交易小額付款取得之 個通訊公司與其參與廠商及銀行，像是；： ^ ^ 4中通訊公司現存的黑名單平台/引擎結合鱼人 =接器與商業邏輯。區塊2的忠誠，個人化平台連：： 與廠：頁t服器5 ’此廠商網頁伺服器5可連接通訊公司 二^ n終端機6。一特定的廠商可以透過廠商的網頁伺服 =Iΐ—個或更多通訊公司簽約並且提供一負責完成付款 、 放銀行帳戶詳細資料，或就廠商選擇點對點 (Pee]： — t0 —Peer，P2P )小額付款來說，需要一完成付款 固人收款銀行帳戶。廠商給予一廠商代碼，廠商代碼可以 ^結至銀行帳戶提供詳細資料，或就廠商選擇P2P小額付 款來說’其獨特之手機“15關號碼與廠商密碼將會被連接 至一個人收單銀行帳戶提供詳細資料。廠商也可以明確指 出接文付款交易紀錄之方式偏好，如透過傳真、電子郵 件 固網FVR、移動式FVR或SMS，或明確指出一產品及服 務特別的報價、促銷與折扣，這些會出現在消費者偏好飼 服器7，如果消費者預選一個上述偏好的報價通知時，該 報價將透過SMS訊息發佈至消費者手機。廠商亦可取得消 費者行為與顧客素資料之相關訊息，使其特別的報價與促 销能達到更有效目標。 消費者偏好伺服器7 ，包含每個與此發明之移動式付^, The mobile small a ^ related to the loyalty program, and its participating manufacturers, such as Kepong Tong% eight-Ί = # people, for the integration of the various companies and the existing loyalty level Bow 丨 Qingping 4 / a and its connector and business logic. At the same time, District 抡 ο Shicheng / Personal Intermediary a ★ ⑭ The same, & Chung Lee list of block 2 provides a communication company and its participating manufacturers and banks obtained from the transaction payment of this invention system, such as; : ^ ^ 4 China Telecom's existing blacklist platform / engine combines merman = connector and business logic. The loyal, personalized platform of Block 2 is connected to :: and the factory: server 5 ’This manufacturer ’s web server 5 can be connected to a communications company 2 n terminal 6. A specific manufacturer can sign a contract through one or more of the company's web servers = one or more communication companies and provide a responsible for completing payment, depositing bank account details, or choosing a peer-to-peer (Pee) for the manufacturer: — t0 —Peer, P2P small amount In terms of payment, you need to complete the payment by a solid bank account. The manufacturer gives a manufacturer code, and the manufacturer code can be settled in the bank account to provide detailed information, or in terms of the manufacturer's choice of P2P micropayment, 'its unique mobile phone' 15 level number and manufacturer password will be connected to a single acquiring bank account provided Details. Vendors can also clearly indicate the preferred method of receiving payment transaction records, such as by fax, email, fixed-line FVR, mobile FVR, or SMS, or specify a special offer, promotion, and discount for a product or service. Appears on the consumer preference feeder 7, if the consumer preselects a notification of the above-mentioned preferred quote, the quote will be posted to the consumer's mobile phone via SMS message. Manufacturers can also obtain relevant information about consumer behavior and customer prime information, so that Its special offers and promotions can achieve more effective goals. Consumer preference server 7 contains each mobile payment with this invention

第8頁 561773 五、發明說明（5) ___— 款服務簽約之消費者的詳細說明，如 π 發卡銀行帳戶的詳細資料，包括虛“ 二其付款之 實際的例子中，消費者可以支付帳叙包帳戶。在 一通訊公司，一網際網路服務提供者 ° σ I舉例說明， 者可以將其發卡銀行帳戶與虛擬雷；:瓦斯公司’消費 商。在消費者偏好網頁伺服器7 ，消$二帳f連，至礙 SMS訊息收到廠商促銷及折扣之通知·、 也可以選擇藉由 點對點（Peer-to-Peer, P2P)交县a /果'肖費者選擇在 、、，… 乂易當受款者，則喵& + 亦需提供一元成付放的收款銀行帳戶詳次 、^、者 上，這個帳戶可能與先前消費者lA、、A y、、。而實際 是相同的銀行帳戶。 戶 就移動式電子錢包小額付款給廠商而言，其八 的虛擬交易且具有錯誤付款或超出付士A ^ 險，消費者也可以選擇在任何電子今 ^j風 j电丁兔融移轉作業生效祕 加-安全措施確認交易細節。如果需要此詳細說明，消‘ 者將會接受-FVR語音訊息由消費者輸入一個人識別密碼 涊證授榷並確認該作業。就實體交易中移動式直接付款小 額付款給pos廠商而言，並無FVR交易與PIN確認，若消費 者發卡銀行完成作業，消費者必需自己承擔風險。’、 整個系統是由與廠商網頁伺服器5、消費者偏好伺服 器7、通訊公司忠誠/個人化平台2與付款提供者閘道9 相接之付款閘道8所控制。付款提供者閘道9控制現實的 包子金融轉移，並且可以由任何眾所熟習之技藝的方式達 成。然，簡而言之，閘道g協助在擁有消費者指明銀行帳Page 8 561773 V. Description of the invention (5) ___— Detailed description of the customer who signed the service, such as the details of the π card issuer's bank account, including the actual example of the payment. The consumer can pay the account Package account. At a communications company, an Internet service provider ° σ I, for example, you can combine their card-issuing bank account with a virtual mine;: Gas company 'consumer. In the consumer preferences web server 7, eliminate $ The second account f link, which prevents the SMS message from receiving the manufacturer's promotion and discount notification. You can also choose to pay the county a / fruit through a peer-to-peer (Peer-to-Peer, P2P). If it is easy to be a beneficiary, then Meow & + also needs to provide the details of the receiving bank account for the payment of one yuan, ^, and above. This account may be the same as the previous consumer lA ,, A y, ... Bank account. As far as the mobile electronic wallet is used to make small payments to the manufacturer, its eight virtual transactions have erroneous payment or exceed the payment risk. Consumers can also choose to transfer in any electronic today. Transfer job takes effect -Security measures confirm transaction details. If this detailed description is required, the consumer will accept-FVR voice message is entered by the consumer to confirm a person's identification password and confirm the operation. For mobile direct payment in physical transactions, small payments are made to For pos manufacturers, there is no FVR transaction and PIN confirmation. If the consumer issuance bank completes the operation, consumers must bear their own risks. 'The entire system is made by the manufacturer's web server 5, the consumer preference server 7, and the communication company. Loyalty / personalization platform 2 is controlled by payment gateway 8, which is connected to payment provider gateway 9. Payment provider gateway 9 controls the actual transfer of buns, and can be achieved by any well-known skill. , In short, the gateway g assists in specifying the bank account of the consumer

561773 五、發明說明（6) 名x卡銀^亍1 2 (在 >肖費者偏好祠服器7上由消費者指 名的）铃擁有付款者銀行帳戶之付款銀行1 3之間（此 付f銀行13是由廠商在廠商網頁伺服器5上指名）。完 f父易在電子金融轉帳完成後，付款至各種商品與服務提 供者丄他P如果是傳統POS廠商6會透過一移動式虛擬方 弋仏貝體乂易付款，如果是電子付款廠商1 1可以使用完 全地虛擬交易。 二：〒第1 · 1、1 · 2、1 · 3圖所示。這些是此發明 、、貫施例之各種元素。分別被應用在（a ) —移動式電子 j包作凡全的虛擬小額付款交易至政府或公眾服務機 構、通訊公司、網際網路服務提供者、與其他一此且 块付款或超額付款不會被退還的小風險；（b ) 一與、曰 廠商作實體交易之移動式直接付款之虛擬小額付款曰 加:由1 :時裝店、沙龍、花商、餐廳、在交易的時候需： 付款時製作的確認及付款紀錄之p〇s廠商及其他；（C 一P2P交易之移動式直接付款虛擬小額付款，不論此交 ，完全地虛擬或是其包含了在付款者與收款者之間之 =易。运些確認步驟在上述所提及的第i圖中詳細描— 簡略步驟在個別地其餘附圖中提出。 請參閱第2圖所示，係為付款閘道8更詳 付款提供者閘道9。 &〜至 付款閘道8包含SMS引擎8丄，SMS引擎 動式通訊裝置i傳遞之SMS訊息，透過各種電訊 由： 訊服務中心（Short Message Service Center，5心且 561773 五、發明說明⑺ SMS引擎8 1詳查SMS訊息之訊息袼式， :、時間戳記與製作訊息字段、與儲存其定 權 ：-簿。接收模組8 2接收由SMS引擎8 i傳送之仵列之— :息與傳遞這些至SMS路由器模組8 3。發送模组8 6與 ，收模組8 2包封SMS引擎8丄的處理邏輯形成其餘的付 机開道組成部分與其有利因素，此有利因素為sms 1不需壓縮處理其他模組即可以改變。SMS路由哭8 3别 二與區分時間戳記由訊息字a、執行語法檢杳 t段中=對應錯誤訊息與執行商業邏輯；;能。SMS路 :8 3檢一母個汛息的目標。如果此訊息是為了付款， !MS路由器8 3便會傳此訊息至—訊息佇列8 4而後至/ ::息管理者果此訊息是為了請求有效的商品及服 ，’則此訊息將被傳至一訊息符列8 4而後至 祠服 盗5。訊息佇列8 4在SMS路由n8 3與 娜路由器83與訊息管理者85之間作為；：功 月6 。 8 付款問道8也包含資料掘取者8 7、管 稽核紀錄8 9與訊息管理者8 5。 在制棋、，且》 5也將一 SMS指令訊息轉變成 式訊息…規定之付款架構提供者 管理人與各個付款供應者取得一致咅見之1 = j糸、、死的 製作。 ^見之矾息轉換規則所 付款問返8連結至廠商飼服器5與顧客偏愛伺服哭 7。POS廠商，像是美髮沙龍，與廠商伺服器5簽約並提 561773561773 V. Description of the invention (6) Name x card silver ^ 亍 1 2 (named by the consumer on the > Xiao Fei Preferential Temple Server 7) Bell has a payer bank account between 1 and 3 (this The pay bank 13 is named by the manufacturer on the manufacturer's web server 5). After completing the electronic financial transfer, Father Yi will pay to various goods and service providers. If he is a traditional POS manufacturer, he will pay through a mobile virtual party. If he is an electronic payment company, 1 1 You can use completely virtual transactions. Two: 〒The first 1st, 1st, 2nd, 1st, 3rd figure is shown. These are the various elements of this invention. They are applied to (a)-mobile electronic package for all virtual small payment transactions to government or public service agencies, communication companies, Internet service providers, and other one-time block payments or overpayment will not Small risk of being refunded; (b) A virtual small payment for mobile direct payment with a physical transaction between the manufacturer and the manufacturer: plus 1: fashion store, salon, florist, restaurant, at the time of the transaction: when paying: Poss manufacturers and other production confirmations and payment records; (C-P2P transaction mobile direct debit virtual micropayment, regardless of this payment, completely virtual or it includes the payment between the payer and the payee = 易. These confirmation steps are described in detail in the above-mentioned figure i-the brief steps are presented in the rest of the drawings individually. Please refer to figure 2 for a more detailed payment provider for payment gateway 8. Gateway 9. & ~ Payment gateway 8 contains SMS engine 8 丄, SMS engine mobile communication device i sends SMS messages through various telecommunications: Short Message Service Center (5 core and 561773 V. Explain clearly: SMS engine 8 1 Check the message mode of SMS message in detail::, timestamp and message field creation, and storage of its right:-book. Receive module 8 2 receives the queues sent by SMS engine 8 i —: Pass and pass these to the SMS router module 8 3. The sending module 86 and the receiving module 8 2 encapsulate the processing logic of the SMS engine 8 丄 to form the remaining payment gateway components and their favorable factors. This favorable factor For SMS 1 other modules can be changed without compression processing. SMS routing crying 8 3 different and distinguishing timestamps by message word a, performing syntax check 杳 t segment = corresponding error message and executing business logic; Yes. SMS Lu: 8 3 Check the target of a flood. If this message is for payment,! MS router 8 3 will send this message to-message queue 8 4 and then to / :: interest manager if this message is for Request a valid product and service, then the message will be passed to a message queue 8 4 and then to the temple service pirate 5. The message queue 8 4 is between the SMS router n8 3 and the router 83 and the message manager 85. ;: Gongyue 6. 8 Payment Asking 8 also includes data miner 8 7. Management audit Record 8 9 and message manager 8 5. In making chess, and "5 also transforms an SMS instruction message into a type of message ... The prescribed payment structure provider manager and the various payment providers agree. 1 = j糸 、、 Dead production. ^ See the Alum Interest Conversion Rules Payment Payment Question 8 Linked to the manufacturer's feeder 5 and the customer prefers the servo cry 7. The POS manufacturer, such as a hair salon, signs a contract with the manufacturer server 5 and mentions 561773

五、發明說明（8) 供其商店名’付款銀行帳戶、廠商偏好的付款紀錄回傳 徑、與一個廠商想要接受紀錄之傳真號碼、固網號碼或^ 動式號碼。廠商伺服器5連接付款提供者後端系統9，夕 付款提供者後端系統9連結至各種參與的銀彳^ 認定付$ 銀行帳戶與分配一废商代碼，此廠商代碼可以使廠商在其 位置展示並且宣傳給他的顧客。這些資訊像是廠商代碼；; 優先順序、傳真碼等等連接至資料庫模組8 9 ，此資料 模組8 9連接至SMS路由器，此SMS路由器包含商業邏輯去 確認廠商與處理他的偏好等。V. Description of the invention (8) Provide the store name ’payment bank account, the manufacturer ’s preferred payment record return path, and the fax number, fixed network number, or mobile number that a manufacturer wants to accept the record. The vendor server 5 is connected to the payment provider back-end system 9 and the payment provider back-end system 9 is connected to various participating banks. ^ It is determined that the payment $ bank account and the allocation of a scrap merchant code, this vendor code can make the vendor in its place. Show and promote to his customers. This information is like the manufacturer code; priority order, fax code, etc. are connected to the database module 89, which is connected to the SMS router. This SMS router contains business logic to confirm the manufacturer and handle his preferences, etc. .

付政閘道8也連接至消費者偏好伺服器7。消費者在 消費者偏好飼服器7上簽約，並且提供他&名字、移動 號碼、USERID、PIN碼、發卡銀行帳戶或虛擬電子錢包/ 他需不需要FVR回傳確認與PIN授權、他偏好的付款紀錄的 回傳途徑:與他想不想要接受FVR或SMS付款紀錄。消費者 偏好伺服益7連接付款提供者後端系統9，此付款提供者 ，端=統9連接至各個參與銀行，與確認發卡銀行帳戶'。 矣些貝料如U SER I D、移動式號碼與偏好等，會與資料庫模 t ^ Ϊ接、，，而資料庫模組8 9連接SMS路由器，此SMS路The pay gate 8 is also connected to the consumer preference server 7. The consumer signs a contract on the consumer preference feeder 7 and provides his & name, mobile number, USERID, PIN, card issuing bank account or virtual e-wallet / he needs no FVR return confirmation and PIN authorization, his preference The return path of the payment record: whether he wants to accept FVR or SMS payment records. Consumers prefer the server 7 to connect to the payment provider's back-end system 9. This payment provider, the terminal = system 9 is connected to each participating bank, and confirms the card-issuing bank account '. Some materials such as U SER ID, mobile numbers and preferences, etc., will be connected to the database module t ^, and the database module 89 is connected to the SMS router.

1 : ^ 3商業邏輯去確認消費者與處理他的偏好等。 汛=二^者8 5轉換訊息内容至付款架構提供者訊息格式 伽:秋提供者後端系統9會接收到此指令，開始後來的一 個電子金融轉帳。· ^ ^1: ^ 3 business logic to confirm the consumer and deal with his preferences, etc. Xun = 2 ^ 8 8 5 Convert the content of the message to the payment framework provider message format. G: The autumn provider back-end system 9 will receive this instruction and start a subsequent electronic financial transfer. · ^ ^

各種引擎8 1操縱所有在付款閘道8與消費者訂購的 孔a司的S M S C之間的聯絡。發送模組8 6傳送s M SThe various engines 81 operate all the communication between the payment gateway 8 and the SM S C of the customer's order. Sending module 8 6 transmission s M S

第12頁 561773 五、發明說明（9) 汛息至SMS引擎8 1之外部仔列。 SM$路由為8 3將會確認接收之SMS訊息的語法，如果 檢查出語法錯誤，SMS路由器8 3將回傳一SMS錯誤訊息 。SMS路由為8 3也會閱讀由廠商伺服器5透過訊息佇列 8 4而來的訊息’並且可以透過SMS直接告知消費者其所 =講之商缺貨。如果所訂購之商品貨源充足，SM§路由 為8 3將傳达付款訊息至訊息佇列8 4再給訊息管理者模 組8 5完成付款。為了隨後傳送至訊息發送模組8 6， SMS路由器8 3也讀出由訊息管理者8 5透過訊息佇列8 4而來的訊息。 廠商伺服器5接收由訊息佇列8 4的消費者需求，利 用廠商聯結此系統來確認商品及服務有效；如果不是有效 的基將會透過SMS路由器8 3傳送一「無效」的—訊息至 消費者。除此之外’廠商伺服器5將會透過訊息佇列8 4 傳达回一確認至SMS路由器8 3去開始一付款請求。 :息佇列區塊8 4提供-緩衝區給暫時性儲存訊息、 ^取h列，及-個由仔列傳送儲存訊息與由仔列中擷 取訊息之方法。 資料庫模組8 9包含稽查紀錄表。此稽查纪錄包含纪Page 12 561773 V. Description of the invention (9) Flooding to the outside of the SMS engine 81. The SM $ route of 8 3 will confirm the syntax of the received SMS message. If a syntax error is detected, the SMS router 8 3 will return an SMS error message. The SMS routing is 8 3 will also read the message from the server 5 of the manufacturer through the message queue 8 4 ′ and can directly inform the consumer via SMS that what they are saying is out of stock. If there is sufficient supply of the ordered goods, SM§ routing will be 8 3 will send the payment message to the message queue 8 4 and then give the message manager module 8 5 to complete the payment. For subsequent transmission to the message sending module 86, the SMS router 8 3 also reads the message from the message manager 85 through the message queue 84. The manufacturer server 5 receives the consumer demand queued by the message 84, and uses the manufacturer to connect this system to confirm that the goods and services are valid; if it is not valid, it will send an "invalid"-message to the consumer through the SMS router 8 3 By. In addition, the 'vendor server 5 will send a confirmation back to the SMS router 8 3 through the message queue 8 4 to start a payment request. : The information queue block 8 4 provides-a buffer area for temporarily storing messages, ^ fetches the h column, and-a method for transmitting and storing messages from the child queue and retrieving information from the child queue. The database module 89 contains an audit log. This audit record contains

ϊ所ί ϊ m1:連接埠由sms路由器8 3接收的⑽訊 \所有通過TCP/IP連接埠由SMS路由器8 3傳送的SMS 訊息、所有由付款提供者後端系統9所接收的二進制訊息 、利用廠商伺服器5傳送給廠商的所有訊息鱼 透過廠 商伺服器5由薇商所接受的訊息。 〃ϊ 所 ί ϊ m1: The message received by the SMS router 8 3 on the port \ all SMS messages transmitted by the SMS router 8 3 through the TCP / IP port, all the binary messages received by the payment provider back-end system 9, All messages sent to the manufacturer by the manufacturer server 5 are the messages accepted by the Weishang through the manufacturer server 5. 〃

561773 五、發明說明G〇) 資料操取者模組8 7會核對流量統計、估計平均系統 回應時限、提供錯誤追蹤、提供消費者服務使用量頻率之 詳細貧料、估計系統尖峰時間與估計消費者購買偏好。 間道管理與控制模組8 8將(^1顯示伺服器Ip與連接 碼、伺服器開機與關機、顯示交易統計資料、搜尋與顯〜示 顧客資料、活化顧客帳戶、凍結顧客帳戶、終止顧客帳J 、管理顧客P I N碼詳細資料、更新顧客證件與紀錄所有系 統管理及控制活動’進入S M S付款閘道伺服器。 ” 第3圖係為此發明之系統使用一電子移動通訊裝置工 之實施例。如圖所示：第3圖中顯示由使用者傳送^俨八 構成的SMS訊息。傳送SMS訊息，包含一付給特定的廠^ ^旨 令（例如廠商密碼）、消費者使用者ID、支付的總額與二 個特定的交易的交易密碼，如就一停車罰金而言^ 一' ^告 碼，就一個付款給一通訊公司或丨sp或公共事業帳單而 疋一個帳戶號碼。廠商密碼，如以S丨n g τ e 1而言是$ τ，以 P0S廠商而言，美髮沙龍使用M1 2 34，p〇s廠商會2示此廠 商密碼，與指定任何通訊公司之忠誠計劃，而I中、 劃是為了要接受與促銷這些消費者移動式小額付^二=0 第4圖係為通訊裝置i展示確認達成稽查金2 訊息實施例。資料展示包括接收資金資料與的 ^ 資金的銀行、一個原傳送指令的複製、與一消費^的 錢包或帳戶的餘額。當然，其他的適合的資料水合 來使人了解。 也㈢展不出 此發明在每個月規律的帳單中使用移動式小額付款時561773 V. Description of the invention G) The data operator module 8 7 will check the traffic statistics, estimate the average system response time, provide error tracking, provide detailed information on the frequency of consumer service usage, estimate the system peak time and estimated consumption Purchase preferences. The channel management and control module 88 will display (^ 1 server IP and connection code, server startup and shutdown, display transaction statistics, search and display ~ display customer information, activate customer account, freeze customer account, terminate customer Account J, manage customer PIN details, update customer credentials and record all system management and control activities 'enter the SMS payment gateway server.' Figure 3 is an example of the use of an electronic mobile communication device for the system of this invention .As shown in the figure: Figure 3 shows the SMS message composed of the user's transmission of ^ 俨 八. The SMS message is transmitted, including a payment to a specific factory ^ ^ order (such as the manufacturer password), consumer user ID, The total amount of payment and the transaction password of two specific transactions, such as a parking penalty ^ one '^ notification code, and a payment number to a communication company or SP or utility bill and an account number. Vendor password For example, if S 丨 ng τ e 1 is $ τ, for P0S manufacturers, hair salons use M1 2 34, p0s manufacturers will show this manufacturer password, and specify any loyalty program of the communication company, The plan I is to accept and promote these consumers ’mobile micropayments ^ 2 = 0. Figure 4 shows an example of the communication device i showing confirmation that the audit fee 2 has been reached. The data display includes receiving funds information and funds. Bank, a copy of the original transmission order, and the wallet or account balance of a consumer. Of course, other suitable information is hydrated to make people understand. Nor can this invention be shown in the regular monthly bills. When using mobile micropayment

第14頁 561773 --- -- — ^^e 五、發明說明（11) 特別有用，像是電話帳單、公共事業帳單、城市議會、傳 達費用、I SP費用。此系統會平等的用在付款給商品及服 務提供者之商品與服務，此商品及服務提供者像是油站、 時裝店、沙龍、花商、餐廳。 此發明另一個的好處是其可以被「連接」至一個已麵 建立的電子移轉之金融網路。此發明系統提供一個擁有、、、工 SMS之移動式連接裝置與已建立的電子金額轉帳網路之 用者之間的連接。此系統另提供一個附加的 忠誠度計書彳，此φ端痄斗查•丨1丨、，崎—+ 亦即含 司皆由此系統中獲利。 月買者、通訊公 口此’此發明提供一替代存 ，此方法包含允今夕奴，代見存的電子金額轉帳的方氺 並且減低透過現存丰 軔氕^子金融轉帳， 雖本發明以進入服務的花費之優點。 本發明之膏妳+ μ ^實施例揭露如上，作计非 +〜乃之貝苑之範圍 上仁亚非用以限定 發明之精神與範圍内，；項技藝者’ ☆不脫離本 本發明所作的均等線田可u二弁的變動與潤飾， 圍所涵蓋，其界定：：修：，應、以本發明之申請： 應已申請專利範圍為準。 月專利耗Page 14 561773 -----^^ e V. Description of the invention (11) is particularly useful, such as telephone bills, utility bills, city councils, communication costs, I SP costs. This system will be used equally for goods and services paid to goods and service providers, such as gas stations, fashion shops, salons, florist, restaurants. Another advantage of this invention is that it can be "connected" to a financial network that has been established for electronic transfer. The system of the invention provides a connection between a mobile connection device that owns an SMS, and a user of an established electronic money transfer network. This system also provides an additional loyalty account book. This 痄 痄 痄 查 丨 丨 1 1 丨, 崎 — +, which means that the company will profit from this system. The buyer, the communication company, and the present invention provide an alternative deposit method. This method includes allowing the present and future electronic deposits to be transferred on behalf of the depositor and reducing the use of existing financial transfers. Although the present invention Advantages of the cost of service. The ointment of the present invention + μ ^ The embodiment is disclosed above. The scope of the calculation is + + Nai. The Yaren Yafei is used to limit the spirit and scope of the invention; the artisan '☆ does not depart from the present invention The changes and retouching of the equal line Tian Keu Er Er are covered by the definition of :: repair: shall be based on the application of the present invention: the scope of the patent application shall prevail. Monthly patent consumption

%1773 圖式簡單說明 _ ;i圖,為本發明之較佳實施例之各種元素 第1:2 糸為本t明之移動式電子錢包應用 第1 . 3圖：用於P〇S廠商移動式直接付款 第2圖传^t 應用於up移動式直接付款 菜^ Ξ為付款閘道8之各種元素 =圖係為使用者使用—SMS付款格式 弟4圖係為付款紀錄 圖號簡單說明： • • • 移 動 式 通 訊 • • 鲁 # • 參 通訊 公 司 忠 誠 / 個 人 化 通 訊 公 司 的 忠 誠 通 訊 公 司 里 名 單 網 頁 伺 服 器 6 • • Ρ 〇 S 偏 好 伺 服 器 8 • 春 付 款 S Μ S 引 擎 8 2 • • • Μ S 路 由 器 8 4 鲁 訊 息 訊 息 管 理 者 8 6 資 料 掘 取 者 8 8 • 管 理 接收 發送 資料庫 2 3 4 5 7 8 1 8 3 8 5 8 7 8 9 電子付款廠商 ••收款銀行 銀行/付款提供者閘道 •付款提供者後端系統 2.....發卡銀行% 1773 Schematic illustration _; i, the various elements of the preferred embodiment of the present invention: 1: 2 糸 This is the mobile electronic wallet application of the t. Figure 1: For the mobile manufacturers of P0S Direct payment Picture 2 ^ t Applicable to up mobile direct payment dishes ^ Ξ Various elements of payment gateway 8 = Picture is for user use—SMS payment format 4 Picture is the payment record picture number Brief description: • • • Mobile communication • • Lu # • Participating communication company loyalty / personalized communication company loyalty communication company list web server 6 • • 〇 〇 Preference server 8 • Spring payment S MEMS engine 8 2 • • • MSC Router 8 4 Lu Messaging Manager 8 6 Data Miner 8 8 • Manage Receiving and Sending Database 2 3 4 5 7 8 1 8 3 8 5 8 7 8 9 Electronic Payment Vendors • Receiving Bank Bank / Payment Provider Gateway • Payment Provider Backend System 2 .....

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Claims (1)

561773561773 六、申請專利範圍 L •一個由付款方到收款方之電子金融轉帳之帝 帳系統，此系統包含··一個能夠傳送短訊服二〃融轉 (Short Message Service，SMS)訊息之移 裝置、一個與付款人相關的金融資金帳戶及一 ^ι訊 受SMS訊息之中央付款閘門伺服器、與一撥接服二接 撥接服，可以使金融資金帳戶與受款人藉由付款提供去 之付放父易中心中取授權使得金融資金帳戶跟為从二 間作一金融交易。 又#人者之 2 ·如申請 中，該付 3 ·如申請 系統；其 4 ·如申請 系統；其 5 ·如申請 中，該付 6 ·如申請 中，該回 esponse, 令與鍵入 7 ·如申請 中，該金 與廠商指 8 ·如申請 專利範圍第1 #欠提供者連接 專利範圍第1 中，該金融資 專利範圍第1 中，該金融資 專利範圍第1 款者接到一傳 專利範圍第5 傳是一袼式化 FVR )之語音 一 P I N 碼。 專利範圍第4 融交易在付款 定收款銀行帳 專利範圍第1 n\ 至參與之金融機構。 項或第2 J員所述之電子金融轉帳 金帳戶是一電子錢包帳戶。 項或第2項所述之電子金融轉帳 金帳戶是指定的發卡銀行帳戶。 項所述之電子金融轉帳系統；其 送SMS訊息之回傳。 ” 項所述之電子金融轉帳系統；其 語音回傳（Formatted Voiced^ 電話，要求該付款者確認交易指 項所述之電子金融轉帳系統；其 者指定發卡銀行的直接付款帳戶 戶之間。 項所述之電子金融轉帳系統；其6. Scope of patent application L • An emperor account system for electronic financial transfer from payer to payee, this system includes · a mobile device capable of transmitting short message service (SMS) messages A financial fund account related to the payer and a central payment gate server that receives SMS messages, and a dial-up service and a two-way dial-up service, can make the financial fund account and the payee provide payment The authorization of the payment and release of the Easy Exchange Center enables the financial capital account to make a financial transaction from the two. Also # 人 者 之 2 · If you are applying, you should pay 3 · If you apply for the system; 4 · If you are applying for the system; and 5 · If you are applying, you should pay 6 · If you are applying, you should return the response, and type 7 · As in the application, the gold and the manufacturer refers to 8 · If the scope of application for patents # 1 owed to the provider connection patent scope No. 1, the gold financing patent scope No. 1, the gold financing patent scope paragraph 1 received a pass The fifth pass of the patent scope is the voice-PIN code of the FVR. The patent scope of the 4th financial transaction is in the payment of the fixed collection bank account. The patent scope of the 1st to the participating financial institutions. The electronic financial transfer account described in item or 2J member is an electronic wallet account. The electronic financial transfer account described in item 2 or item 2 is the designated card-issuing bank account. The electronic financial transfer system described in item; it sends back the SMS message. The electronic financial transfer system described in the item; its voice-back (Formatted Voiced ^ phone, asking the payer to confirm the electronic financial transfer system described in the transaction instructions; the other is designated between the direct payment account of the issuing bank. Said electronic financial transfer system; 第17頁 561773 六、申請專利範圍 中，一金融轉帳有效的確認會傳送至付款者與/或收款 者。 9 ·如申請專利範圍第8項所述之電子金融轉帳系統；其 中，該確認可以透過傳真、電子郵件、FVR或SMS確認。 1 0 · —個由付款者至收款者的電子金融轉帳方式，此方 法包含一接收SMS訊息，此SMS訊息包含一個可以由一個 與SMS訊息傳送者相關的金融資金帳戶轉帳的指令與此 指令可以由金融資金帳戶自動有效的轉帳至另一指定之 收款者。Page 17 561773 VI. In the scope of patent application, a confirmation that a financial transfer is valid will be sent to the payer and / or recipient. 9 · The electronic financial transfer system as described in item 8 of the scope of patent application; in which, the confirmation can be confirmed by fax, email, FVR or SMS. 1 0 · An electronic financial transfer method from payer to payee. This method includes receiving an SMS message. The SMS message contains an instruction that can be transferred from a financial fund account associated with the sender of the SMS message and this instruction. Automatically and efficiently transfer money from a financial funds account to another designated payee. 1 1 ·如申請專利範圍第1 0項所述之電子金融轉帳方 法；其中，該金融資金帳戶是一電子錢包帳戶。1 1 · The electronic financial transfer method described in item 10 of the scope of patent application; wherein the financial fund account is an electronic wallet account. 第18頁Page 18