五、發明說明（1) 【發明所屬之技術領域】 本發明係有關於一種電子1 僅可避免***被盜用之風P交易系統及其交易方法，不 況下輕鬆完成商品之購買行為且可在未攜帶***之情 【先前技術】 今隨著社會金融之日益發 二起，而在各種信用交易 k用交易之數量可謂異軍 ，，性1此對於一般消費者：用***消費由於具由其 Η為曰常購買商品行為中：主I”有重要的地位 包含古用之***付款方法，如，要父易模式。 有： 如第1圖所示，其主要步驟 η 1 販賣商家於刷卡機、私χ ， 將購物消費者之作：卡：費金額等消費資料； 步驟1 〇 3 卡動作，以1取^ #卡一刷卡機中進行刷 品I : 亥***資料； Ξ:機將***資料、消費金額、刷卡機號(即 步顿1 〇 4 ^ f編唬）及刷卡時間等交易資料傳到一金融資 汛中心取得一授權碼； 販賣商家列印***簽單，並由購物消費者簽 上、”名’以完成購物商品之交易行為。 且廣泛$習用之***購物方式，已經被消費者所接受， 方法中，用於一般之***交易場合中。但是，上述購物 進行刷卡必須將講物消費者之***置入販賣刷卡機中 動作，以讀取***資料，而在此過程中，極可 1238959 五、發明說明（2) ' 能因此造成***資料遭受不肖人士之側錄或竊取，並進 而製作偽卡以進行盜刷行為，不僅容易形成購物糾紛，亦 ^造成發卡銀行或購物消費者的金錢損失戒商譽損害。另 夕，當購物消費者忘記攜帶錢包或***出門時，也將造 成無法付賬之窘境。 / " 【發明内容】 ΐί何針對上述習用技術之缺點，以設計出一種 4s子父易系統及其交易方法，不僅町以避免*** 之風險，又可預防未攜帶現金或***出門，而 ^之窘境’此即為本發明之發明重點。爰是， 用廣、、之主要目的，在於提供一種電子交易方法，利 及ί子付費之：動通訊裝置，例如行動電話’“進行購物 士I、仃為，不但推廣容易，而且方法簡便。 需經過刷：i:;二!用=提供-種電子交易方法，不 行為，，信d::;:;::即可完成電子付費 用簡在於提供-種電子交易方法，利 為忘記攜帶作；可完成電子付費行為’可避免因 本發^ 金而無法付款之箸境。 用簡易的行動二s Ρ’在於提供一種電子交易系統，利 低***資料外茂之風險，亦可，不僅可降 卡銀行之金錢損失。 有效降低購物消費者或發 1238959 五、發明說明（3) 為達成上述目 主要步驟包括有： 連接至一付費管理 合式之其 管理主機 一行動通 售端之憑 之憑證讀 憑證結果 費管理主 付費管理 又， 統，其主 一帳號、 管理主機 通訊裝置 及一憑證 可接收付 證與稽核 為是否完 中之一而 藉由一電 訊裝置， 證讀取機 取機旁以 是否正確 機，若查 主機。 為達上述 要構造係 密碼、交 ，内設有 連接，且 讀取機， 費管理主 憑證檢核 成者。 的，本發明 使用者以一 主機，且選 登入一付費 信裝置傳送 提供一種電 通訊裝置藉 擇輸入一帳 糸統；輸入 一電子憑證 並傳送一相對應之稽核 行動通訊裝 子交易方法，其 由一電信裝置以 碼及其組 訊；付費 者指定之 :使用者持 讀取電子憑 ，若為正確 核結果錯誤 證；及查核 則回傳一交 時’回傳一 號、密 交易資 至使用 憑證至 置至商 電子憑 易成功 交易失 一商品出 品出售端 證與稽核 訊息給付 敗訊號給 目的，本發明尚可提供一種電子交易系 包括有：一通訊裝置，可用以選擇輸入 易>^1及其組合式之其中之一；一付費 一付費系統，並可藉由一電信裝置而被 可傳送一電子憑證至一行動通訊裝置； 可讀取行動通訊裝置内之電子憑證，並 機所傳送之一稽核憑證，且根據電子憑 疋否正確之結果’而決定一講物交易行 【實施方式】 兹為使 貴審查委員對本發明之特徵、結構及所達成 之功效有進一步之瞭解與認識，謹佐以較佳之實施圖例及V. Description of the invention (1) [Technical field to which the invention belongs] The present invention relates to an electronic P trading system and a trading method that can only prevent the theft of credit cards. It can easily complete the purchase of goods and can Carrying credit cards [Prior technology] With the increasing popularity of social finance today, the number of transactions used in various credit transactions can be described as a unique force. This is for the average consumer: In order to purchase goods often, the main position "I" has an important status including the traditional credit card payment methods, such as the parent-friendly mode. There are: As shown in Figure 1, the main steps η 1 Private χ, will be made by the shopping consumer: card: consumption information such as the amount of money; Step 1 〇3 card action, take 1 ^ # card a credit card machine to swipe I: Hai credit card information; Ξ: machine credit card information , Transaction amount, credit card machine number (that is, utton 104 ^ f) and transaction time and other transaction data are transmitted to a financial financing center to obtain an authorization code; the seller prints the credit card signing form, and The shopping consumer signs "name" to complete the transaction of the shopping product. And the widely used credit card shopping method has been accepted by consumers. The method is used in general credit card transaction occasions. However, the above-mentioned shopping card swipe must put the consumer's credit card into the vending machine to read the credit card information, and in the process, it can be 1238959 V. Description of the invention (2) 'Can cause credit card information Suffering from fraud or theft by unscrupulous people, and then making fake cards for fraudulent behavior, not only easily lead to shopping disputes, but also cause money loss or goodwill damage to the card-issuing bank or shopping consumer. In addition, when shopping consumers forget to bring their wallet or credit card to go out, it will also create a dilemma of being unable to pay their bills. / & [Contents of the Invention] In view of the shortcomings of the above-mentioned conventional technologies, we have designed a 4s child-friendly system and its transaction method, which not only avoids the risk of credit cards, but also prevents going out without cash or credit cards, and ^ Dilemma 'This is the focus of the invention. The main purpose of using TV is to provide an electronic transaction method that will help you pay: using a mobile communication device, such as a mobile phone, to “do shopping, I ’m not doing this. It ’s easy to promote and simple. Need to be brushed: i :; two! Use = provide-an electronic transaction method, do not act, letter d :: ;;:; :: can complete the electronic payment simply lies in providing-an electronic transaction method, for the sake of forgetting to carry Can complete the electronic payment behavior 'can avoid the situation where payment cannot be made due to the issue of funds. Using simple action two s' is to provide an electronic transaction system, which can reduce the risk of external credit card information, but also, not only Reduce the money loss of the card bank. Effectively reduce the shopping consumer or issue 1238959 V. Description of the invention (3) The main steps to achieve the above objectives include: Connect to a payment management system, its management host, and the certificate of the mobile sales terminal Read the voucher result fee management and the main payment management system, its main account, management host communication device and a voucher can receive the payment certificate and audit as one of the completion. A telecommunication device, the card reader is taken next to the machine to see if it is correct, if the host is checked. In order to achieve the above, it is necessary to construct a password, transfer, and internal connections, and the reader, the fee management master certificate check. The user of the present invention uses a host computer and chooses to log in to a payment device to provide an electronic communication device for inputting an account system; inputting an electronic voucher and transmitting a corresponding audit action communication device transaction method, which consists of A telecommunication device with a code and its group message; the payer specifies: the user holds the electronic voucher if it is the correct verification result and the wrong certificate; and the verification is returned when the transaction is completed. The voucher is successfully settled. The electronic voucher successfully trades a lost product, sells the terminal certificate and audit information to pay the failure signal to the purpose. The present invention can also provide an electronic transaction system including: a communication device, which can be used to select the input. ≫ ^ 1 and one of the combinations thereof; a pay-a-pay system, and an electronic certificate can be transmitted to a mobile communication device through a telecommunication device The electronic certificate in the mobile communication device can be read, and an audit certificate transmitted by the parallel machine can be determined, and a physical transaction bank can be determined according to whether the electronic certificate is correct. [Implementation] In order to make your review committee Further understanding and understanding of the characteristics, structure, and achieved effects
第7頁 1238959Page 7 1238959
配合詳細之％ nn 、， 之成明，說明如後： ~較佳每1胃連同參閱第2圖及第3圖’係分別為本發明 輪動作一、^例之電子交易流程示意圖及電子交易系統之傳 交易付Z意圖；如圖所示，本發明之電子交易系統及電子 步驟2〇1'，^1 之主要步驟包括有： 蹲物消費者當選定商品而欲購買時，撥打一使 用者之通訊裝置3 0 1，例如行動電話，經由一電 ^裝置35之轉接作用而連接至一付費管理主機 3 3 ’例如***金融授信中心，且於通訊線路 步驟202，連接後，輸入帳號、密碼等以登入付費系統； 使用者於此付費管理主機中，藉由通訊裝置3 〇 i 輪入交易金額、商品出售端（販賣商家）之商店 、編號、付款密碼等交易資訊；With the details of% nn, and the success of the explanation, the description is as follows: ~ preferably every 1 stomach together with reference to Figure 2 and Figure 3 is a schematic diagram of the electronic transaction flow and the electronic transaction of the first and second examples of the round of the invention, respectively. The system's transfer transaction intention is Z; as shown in the figure, the main steps of the electronic transaction system and electronic steps 205 ', ^ 1 of the present invention include: Squatting consumers when selecting a product and want to purchase, dial one to use The communication device 3 01, such as a mobile phone, is connected to a payment management host 3 3 ′, such as a credit card financial credit center, through the transfer function of an electric device 35, and in the communication line step 202, enter the account number after connection. , Passwords, etc. to log in to the payment system; users in this payment management host, through the communication device 300i round the transaction amount, the merchandise seller (selling merchant) store, serial number, payment password and other transaction information;
步驟2 0 4 付費管理主機33查核交易資訊無誤後，透過該 電^裝置3 5傳送一電子憑證3丨3至使用者所指定 之行動通訊裝置3 1，並傳送一稽核憑證3 7 3至 商品出售端之憑證讀取機371 ; 購物消費者持該具有電子憑證31 3之行動通訊裝 置至該商品出售端之憑證讀取機371旁，以讀 取該電子憑證，並與該稽核憑證373進行查核。 t ^核正確者，可回傳一交易成功訊息予該付 二3 ;反之，*查核結果有錯誤時， 脔:專一交易失敗訊號給付費管理主機33，而 °出口、亦可知購物交易失敗，如同習用技Step 2 0 4 After the payment management host 33 checks that the transaction information is correct, it sends an electronic certificate 3 丨 3 to the mobile communication device 31 designated by the user through the electronic device 3 5 and sends an audit certificate 3 7 3 to the product. The voucher reader 371 on the sales side; the shopping consumer holds the mobile communication device with an electronic voucher 31 3 next to the voucher reader 371 on the merchandise sales side to read the electronic voucher and perform the verification with the audit voucher 373 Check. t ^ If the verification is correct, you can return a transaction success message to the payer 2; otherwise, * when there is an error in the check result, 脔: The single transaction failure signal is sent to the payment management host 33, and the exit can also tell that the shopping transaction has failed. As usual
1238959 五、發明說明（5) 術之授信失敗一般； 步驟205，為使付款方法更加安全慎重，因此設定在一定 金額以上之消費金額時，該憑證讀取機3 7][亦可 列印出一消費簽單，如同現在廣為使用之信用 卡付款方式一般，需要使用者簽名後才算完成 購物交易打為。因此，憑證讀取機371會檢視是 否需要購物消費者簽名？若有需要，則進行步 驟215，若無需要，則已算完成交易行為，而予 以結束；及 步驟215，憑證讀取機3 71列印出一消費簽單，並由使用者 、、或購物消費者完成簽名動作及購物交易行為。 述=法中，通訊裝置3〇1與行動通訊裝置31係可選 擇為同一裝置或不同的單獨裝置，且 通訊裝置31通常係可選擇為_行動 / 動 前十分風行1乎是人手因為行動電話目 的程度Μ旦是不限於此，只要且J 人擁有數個門號 身分之通訊裝i，例如一股J傳2向通訊功能而能辨識 個人數位助理及其他裝置皆可帛、、仃動電話、電腦、 於***付賬使用，舉凡用之。而此種方法亦不限 之提領或付費，皆可使用，因:、約定帳戶轉帳及金融卡 ***號碼、帳戶號碼、身八# 士述帳號可依電話號碼、 名稱之其中之一者來辨識使；：：號及使用者自設之帳號 另外，為使此種付款方I身^。 設定由特定行動通訊裳 拉加簡便易行，使用者亦可 連接至付費管理主機33者，可自1238959 V. Description of the invention (5) The credit of the operation fails generally; Step 205, in order to make the payment method more secure and prudent, so when the consumption amount is set above a certain amount, the voucher reader 3 7] [Also print out A consumer order is like a credit card payment method that is widely used now. It requires a user's signature to complete a shopping transaction. Therefore, the voucher reader 371 checks whether a consumer signature is required? If there is a need, step 215 is performed; if there is no need, the transaction has been completed and ended; and step 215, the voucher reader 3 71 prints a consumption order and is consumed by the user, or shopping The person completes the signature action and the shopping transaction behavior. In the above-mentioned method, the communication device 3101 and the mobile communication device 31 can be selected as the same device or different separate devices, and the communication device 31 can usually be selected as _mobile / very popular before the move. 1 It is almost manual because of a mobile phone. The degree of purpose is not limited to this, as long as the J person has a number of communication devices, such as a J-pass 2-way communication function that can identify personal digital assistants and other devices. , Computer, credit card payment, use it for everything. And this method is not limited to withdrawal or payment, can be used, because :, agreed account transfer and debit card credit card number, account number, body eight # Shishu account can be based on one of the phone number, name Identifier ::: and account number set by the user. In addition, to make such payers ^. It is easy to set up by specific mobile communication service. The user can also connect to the payment management host 33.
1238959 五、發明說明（6) ' 動登入付費系統而免輸入登入帳號。例如，使用者可設定 自某一門號之行動電話撥入此付費系統時，即可自動辨認 來電門號，而依此電話號碼為登入付費系統之依據，使用 者只需輸入密碼即可進入付費系統，此種方法可應用於各 種行動電話系統，包含GSM、GPRS、TDMA、PHS等電信系統 皆可運用。 又’使用本方法付款時，可於該電子憑證3 1 3及其對 應之稽核憑證3 7 3之資料中設有一時效期間，當使用者持 該電子憑證3 1 3至該憑證讀取機3 71進行讀取動作時，若已 經超過該電子憑證313之有效時間，則憑證讀取機371可發 出一交易失敗之訊號通知使用人，並對付費管理主機33發 出一交易失敗之訊息。如此，即可避免使用者於實施上述 步驟201至步驟2〇3後，未完成步驟204而造成交易結果懸 而未決之狀況。 在此種付費方法中，由於使用者係使用行動通訊裝置 31透過電信裝置3 5直接與付費管理主機3 3進行連接，而不 需將***置入商家之***刷卡機，故不會有***内 碼遭到***讀卡機側錄的風險。又，當使用者^記攜帶 ***時，亦可利用此種電子交易系統及電子交易方法以 代替直接使用***，因此不會產生無法刷卡購物之窘境 又 稽核憑證3 7 3亦可只存在於付費管理主機3 3中， ，不會先傳送給憑證讀取機371，而當購物消費者持通訊 裝置31至憑證讀取機371旁，以讀取電子憑證Mg内容時，1238959 V. Description of the invention (6) 'Login to the payment system without entering a login account. For example, the user can set that when a mobile phone of a certain door number dials into the payment system, it can automatically identify the door number of the caller. Based on this phone number, the user can enter the payment by entering the password. This method can be applied to various mobile phone systems, including telecommunications systems such as GSM, GPRS, TDMA, and PHS. When using this method for payment, a limitation period can be set in the data of the electronic certificate 3 1 3 and the corresponding audit certificate 3 7 3. When the user holds the electronic certificate 3 1 3 to the voucher reader 3 When the reading operation is performed by 71, if the valid time of the electronic voucher 313 has been exceeded, the voucher reader 371 may send a signal of a transaction failure to notify the user and send a transaction failure message to the payment management host 33. In this way, it is possible to avoid a situation in which the transaction result is still pending due to the user not completing step 204 after implementing the above steps 201 to 203. In this payment method, since the user uses the mobile communication device 31 to directly connect with the payment management host 33 through the telecommunication device 35, there is no need to put the credit card into the merchant's credit card swipe machine, so there is no credit card in the credit card. The code is at risk of being recorded by a credit card reader. In addition, when the user ^ remembers to carry a credit card, this electronic transaction system and electronic transaction method can also be used instead of using the credit card directly, so there will be no dilemma that cannot be swiped for shopping and the audit certificate 3 7 3 can only exist on payment In the management host 33,, will not be sent to the voucher reader 371 first, and when the shopping consumer holds the communication device 31 to the voucher reader 371 to read the content of the electronic voucher Mg,
第10頁 1238959 五、發明說明（7) ,5也=取機371將會把所讀取到之電子憑證313資料傳送至 付f官理主機33，纟由付費管理主機33檢查該電子憑證31 撼^否正確。如果正確，則發送一授權碼給予該憑證讀取 ^ 1以通知商品出售端（販賣商家）可以完成購物交易 $如果檢查之結果認為該電子憑證3 1 3不正癌，則傳 f 父易失敗之訊號給予該憑證讀取機3 71，也通知消費 者交易失敗之事實。 最後i請連同參閱第4圖，係本發明又一實施例運用 於1動販買，備之實施流程示意圖；如圖所示，使用者欲 =、自動販買機47購買一商品時，可利用行動電話41撥接 、、’^過二電^裝置35以連接一付費管理主機33，且於輸入 及岔碼等育料後以登入付費管管主機3 3之付費系統。 —。使用者可5又疋免輸入帳號，而由付費系統自動抓取 订動，活41之識別模組（SIM )中的識別碼以作為帳號，如 此，八要輸入密碼即可登入付費系統，對使用者而言甚為 方便。 登入付費系統後，使用者輸入交易金額、商店編號（ ，f即^動販賣機47上之憑證讀取機471編號）、付款密碼 等父易資訊後’該付費管理主機33之付費系統立即進行查 核’於查核無誤後’付費管理主機3 3即可透過電信裝置3 5 發送一電子憑證3 1 3至該行動電話4丨，並透過一專用網路 3 5 3發送一稽核憑證（未顯示）至該自動販賣機4 7之憑證讀 取機471，以通知可予以進行購物交易行為。 上述實施例所指之電子憑證3丨3係可選擇以一條碼型Page 10 1238959 V. Description of the invention (7), 5 also = Take machine 371 will send the read electronic voucher 313 data to the payment official host 33, and the payment management host 33 will check the electronic voucher 31 Shake ^ No. If it is correct, send an authorization code to the voucher to read ^ 1 to notify the merchandise seller (selling merchant) that the shopping transaction can be completed. $ If the result of the check indicates that the electronic voucher 3 1 3 is not cancerous, then it will be passed. The signal is given to the voucher reader 3 71 and also informs the consumer of the fact that the transaction failed. Finally, please refer to FIG. 4 together, which is a schematic diagram of the implementation process of another embodiment of the present invention for a mobile purchase, preparation; as shown in the figure, when a user wants to buy an item from the automatic buying machine 47, The mobile phone 41 is used to dial and connect to the payment management host 33 through the second electric device 35 and log in to the payment management host 33's payment system after inputting the breeding materials such as the fork code. —. The user can input the account number freely, and the payment system automatically captures the subscription. The identification code in the identification module (SIM) of 41 is used as the account number. In this way, you can log in to the payment system by entering the password. It is very convenient for users. After logging in to the payment system, the user enters the transaction amount, the store number (, f is the ^ number of the voucher reader 471 on the vending machine 47), the payment password, and other parent information such as the payment system of the payment management host 33 immediately Check 'after checking nothing', the payment management host 3 3 can send an electronic certificate 3 1 3 to the mobile phone 4 through the telecommunication device 3 5 and send an audit certificate via a dedicated network 3 5 3 (not shown) To the voucher reader 471 of the automatic vending machine 47 to notify that a shopping transaction can be performed. The electronic voucher 3 丨 3 mentioned in the above embodiment can be selected with a code
1238959 五、發明說明（8) 您顯不於行動電話之顯示介面3丨！上，而該憑證讀取機3 則具有條碼之讀取功能。當然，此處使用條碼之方式作為 電子憑5登3 1 3之顯示方式僅為一實施例，於實際操作時， 亦可利用行動電活4 1之紅外線傳輸埠與憑證讀取機3 了 1之 紅外線傳輸埠進行電子憑證313之讀取，而不將電子憑證 顯示於顯示介面3 1 1上。 於限定時間内，使用者持該行動電話41至該憑證讀取 = 47=取電子憑證313後，肖憑證讀取機471將查核 該電子憑證313是否正確，如果正確，則該憑證 = =471可發出一允許訊號至該付費管理主⑽，以進 Π:用ΞΙ!,發出一遞送商品之訊號予自動販賣機47遞 运出使用者所購買之商品。 ^ =’此方法不限運用於自動販機47，亦可運用於收 =’或運用於自動櫃員機等無人看管之自 處，即可支付俜鱼眷.“ I 停車場之收費機 部之現金，d:現i自動櫃員機處’即可提領帳戶内 = 之管理功能於-行動電話41中，更 卡之麻煩。 乜用卡、汜帳卡及現金 綜上所述，本發明係有關於一 易方法，不僅可避免***被盜用之風：又ί系統及其交 ***之情況下輕鬆完成商品之未攜帶 一富有新穎性、〗隹牛# β 存貝仃為故本發明貫為 進步性’及可供產業利用功效者，應符合 第12頁 1238959 五、發明說明（9) 專利 申請 要 件 無 疑 爰 依 法 提請 發明 專 利 中 請 懇 請 貴 審查 委員 早 曰 賜 予本發 明 專 利， 實感 德 便 〇 以上 所 述 者 ，僅為 本發 明之 一較 佳 實 施 例 而 已 並 非 用來 限定 本 發 明 實施之 範 圍 ，即· 凡依 本 發 明 中 否月 專 利 範 圍 所述 之形 狀 構 造、 特 徵 及 精神> 所為 之 均 等 變 化 與 修 飾 5 均應 包括 於 本 發 明之申 請 專 利範 圍内 〇 圖號 對照 說 明 301 通 訊 裝 置 31 行 動 通 訊 裝 置 311 顯 示 介 面 313 電 子 憑 證 33 付 費 管 理 主機 35 電 信 裝 置 353 專 用 網 路 371 憑證讀取機 373 稽 核 憑 證 41 行 動 電 話 47 白 動 販 賣 機 471 憑 證 讀 取 機1238959 V. Description of the invention (8) You are not displayed on the display interface of the mobile phone 3 丨! The voucher reader 3 has a barcode reading function. Of course, the use of the barcode method as the display mode of the electronic receipt 5 on 3 1 3 is just an example. In actual operation, the infrared transmission port of the mobile phone 4 1 and the voucher reader 3 can also be used. The infrared transmission port reads the electronic certificate 313 without displaying the electronic certificate on the display interface 3 1 1. Within a limited time, the user holds the mobile phone 41 until the voucher is read = 47 = After taking the electronic voucher 313, the Xiao voucher reader 471 will check whether the electronic voucher 313 is correct. If it is correct, the voucher = = 471 An allowance signal may be sent to the payment management host to send a signal to deliver the goods to the vending machine 47 using ΞΙ! To deliver the goods purchased by the user. ^ = 'This method is not limited to automatic vending machines 47, but can also be used to collect =' or to use unattended self-service places such as ATMs, you can pay catfish family. "I cash in the tolling machine department of the parking lot, d: Now the ATM can be used to withdraw the management function in the account = in the mobile phone 41, which is more troublesome for cards. 乜 Using cards, debit cards and cashTo sum up, the present invention is about a Easy method, not only can prevent the credit card from being stolen: the system and its credit card payment can easily complete the goods without carrying a novelty,〗 隹 牛 # β 存 贝 仃 For this reason, the present invention is always progressive ' And those available for industrial use, should comply with 1238959 on page 12. V. Description of the invention (9) The patent application is undoubtedly asking for the invention patent in accordance with the law. Please ask your examiner to confer a patent on the invention as soon as possible. This is only one of the preferred embodiments of the present invention and is not intended to limit the scope of implementation of the present invention. The shape structure, characteristics, and spirit described in the scope > equal changes and modifications 5 should be included in the scope of the patent application of the present invention. ○ Figure number comparison description 301 communication device 31 mobile communication device 311 display interface 313 electronic certificate 33 payment Management host 35 Telecommunication device 353 Private network 371 Certificate reader 373 Audit certificate 41 Mobile phone 47 Baidong vending machine 471 Certificate reader
第13頁 1238959 圖式簡單說明 第1圖：係習用之***付款方法示意圖； 第2圖：係本發明電子交易方法一較佳實施例之實施流程 不意圖， 第3圖：係本發明電子交易系統一較佳實施例之傳輸動作 示意圖；及 第4圖··係本發明又一實施例運用於自動販賣設備之實施 流程示意圖。Page 13 1238959 Brief description of the diagram. Figure 1: A schematic diagram of a conventional credit card payment method. Figure 2: The implementation process of a preferred embodiment of the electronic transaction method of the present invention is not intended. Figure 3: The electronic transaction of the present invention. A schematic diagram of a transmission operation of a preferred embodiment of the system; and FIG. 4 is a schematic diagram of an implementation process applied to an automatic vending device according to another embodiment of the present invention.
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