410520五、發明説明（ A7 B7 經濟部中央標孪局員工消費合作社印家 發明範见 本發明一般而j係關於網路聯結 網路聯結電«統以電子式地經營w = a ’特別是使用 發明背景 隨著電子形式通訊的出現，電報，心。^ 視，及最近的數位網路，使用數位電二::二':電， 經營商務變得可能。電子編碼資金不於;%子万式來 於複製資金的電子表徵是很平；tr卿之處在 择“… 事。在經營電腦化商 時所面臨最困難的任務是偵測電子眘 7X从，— ”隻的非法再使用， 及偵測資金的非法再使用，例如，雙重消費。 已知的電子資金傳輸系統通常需要—，，公信的"第三者 界於賣主與消費者之肖，來確認電子資金的有效性。 而，第三者的需求卻因額外的通訊及額外的解析成本而 加每-筆交易的費用。另外，目前的電子資金傳輸網路 例如西歐聯盟，以及聯邦儲備銀行，通常需要免於,，竊 的只貝保全的通訊媒體。這樣的保全網路通常不是一 消費者所可使用。 其他的電子資金交易方法牽涉到在賣主與消費者問建 —關係，或者透過訂金服務，抑或是由信用卡组織提供 記帳帳戶。這些方法在處理交易要求上很有效率，採取 理的確認體系=然而，這些方法都需要先期的努力來建 帳戶”或信用價值。對一般消費者而言，例如對太 熟知的大塹電腦網路網際網路的潛在使用者來說，設立爪 户，及維護信用資訊會增加系統的費用=公眾通訊網路如 電 來 務 以 然 增 聽 6η. 立 的 合 立 家 (請先聞讀背面之注意事項再填寫本頁) •-• 4 本紙朱尺度適用中國國家標準（CNS ) Α4規格（210X297公釐） 410520 五、發明説明（2 ) 網際網路近期的增長已經加速低成本電腦化商務系統的需 求。另外’在資訊市場上對經濟支援交易有數額小至百分 之一分的特殊需求。例如’在多媒禮網路商店中單”頁，， 的有著作權資料。目前的電腦化商務系統，在，，微商務,, 中的交易成本遠超過所交易產品本身的價值。 而且目前的系統，例如利用信用卡组織，只有低度的消 費者隱私權，因為他們只維護集中化的購買記錄，而且通 常只有單點委記。 因此’提供一個交易處理成本非常低的電腦化商務系統 疋非常需要的。此系統必須是交談式的，正確的，並帶有 可查證的帳單。此外’此系統必須是防盜的。 發明概要 本發明是一種經營電腦化商務的方法與系統如專利申請 第1項’第9項及第1 4項中分別列舉的a 經濟部中央標準局員工消費合作社印袈 (請先閲讀背面之注意Ϋ項再填寫本頁) *·-β 下面所述提供一種在數個由電腦網路連接的電腦系統上 經營電腦化商務的方法，包括提供一經紀人電腦系統，此 經紀人系統中有一經紀人臨時憑證資料庫，每一份經紀人 臨時憑證代表一種形式的電子貨幣，提供—賣主電腦系 統，此賣主電腦系統有—包含產品以供交換經紀人臨時憑 證的資料庫，此賣主電腦系統可以提供賣主臨時憑證，提 供一消費者電腦系統，此消費者電腦系統有一使用者介 面’使用者可在消費者電腦系統該介面中啟動交易以取得 包含在賣主電腦系統的資料庫中的一或多個產品，由使用 者在消費者電腦系統上所送出的第一個要求會由經紀人電 本紙張尺度適用中國國家橾準（CNS — 410520 A7 B7 經濟部中央標準局員工消費合作社印袈 五、發明説明（3 腦系統上取得其第-個經紀人臨時憑證，在經紀人電腦系 統中處理此第一個要求，送出此第—個經紀人臨時憑證到 消費者電腦系統以回應此處理的步驟，由經紀人電腦系統 中迗出第二個要求以由賣主經紀人電腦系統中取得第—個 賣主臨時憑證，在賣主電腦系統中處理此第二個要求，送 出此第一個賣王臨時憑證到經紀人電腦系統以回應處理此 第二個要求的步驟，由消費者電腦系統為第一個產品送出 第三個要求到經紀人電腦系統，以第—個經紀人臨時憑證 父接第一個賣主臨時憑證，送出產品到消費者電腦系統以 回應此交換的步驟。 逞樣的安排，提供了允許以細微費用計算服務與資訊收 費的體系。 圖式之簡單說明 本發明的特性及特色在所附專利申請中陳述。然而，要 鴻楚瞭解本發明的特色及優點最好藉由參考以下的個別具 體實施例的詳述，並同時閱讀隨附的圖式，其中： 圖I是經營電腦化商務的電腦化系統的頂層方塊圖； 圖2是圖1中系統所使用的電腦系統的方塊圖； 圖3是圖〗中系統運作的流程圖； 圖4疋圖1所用系統中儲存代表臨時憑證訊號的資抖記錄 的方塊圖； 圖疋用來處理圖4中資料記錄確認的流锃圖；以及 圖6係描述本發明電腦化系統操作方法之流程圖。 -圖式中號對照表 -6- μ说尺度適财關家辟 (請先閲讀背面之注意事項再填寫本f) 訂 410520 A7 __B7 五'發明説明（4 ) 100 …電腦化系統； 110 · "經 紀 人 系 統； 111 …使用者/銀行/經紀人； 120 · •賣 主 系 統 ， 121 …賣主； 130 · .消 費 者 系 統； 131 …消費者； 140 · 通 訊 網 路 1 150 …座品 > 200 · •電 腦 系 統 ； 210 …中央處理單元（c p U ); 220 · .記 憶 體 > 221 …資料庫（DB); 230，. .輸 入 / ^ ί介面 240 …通訊滙流排； 250 ·· .使 用 者 7 301 、302 ' 303、304 ..·交易； 310 .· .貨 幣 > 320 …經紀人臨時憑證； 330 ·· .賣 主 臨 時 憑證。 j羊細敍 (請先Μ讀背面之注意事項再填寫本買) 圖1顯示依本發明的原理經營電腦化商務的電腦化系統 °孩系統100包括由一通訊網路14〇所互相連接的經紀 人系統1 10，賣主系統12〇，及消費者系統130-β 圖1中描述的系統100為了清晰，只顯示了單一經紀人， 賣主，及消費者系統。在實務上，任何數目的經紀人，賣 主，及消費者系統都可由網路140所互相連接。 經紀人系統Π 0的使用者1丨1可以是一銀行，信用提供 者’或其他形態的財務服務機構。賣主系統120由一賣主 12丨所操作。賣主12丨提供產品給消費者。 —消費者13 1可使用消費者系統13〇來"電子地，1取得賣主 121的產品丨5〇。賣主121所提供的產品150可以是商品及任 何形式的服務。網路140可以是公開的或私人的，諸如網 『祭網路，交換式電話系統，衛星連線網路之類。 本紙張尺度適用中國國家標準（CNS ) Α4規格（210X297公釐） 訂 鲤濟部中央樣卒局員工消費合作社印裂 410520 Λ7 一 B7 五、發明説明（5 ) 圖2中顯示的是一適合當經紀人，賣主，及消費者系統 的電腦系統200。此電腦系統200包括—中央處理單元（cpu) 2 10 , — 1己憶體22〇，及一輸入/輪出介面2S〇而由匯流排線 240所互相連接。在使用者250如經紀人，賣主，及消費者 方向的CPU 2 10執行軟體程式以處理資料，程式及資科可 以當成一資料庫（DB) 221儲存在記憶體220中= 記憶體2 2 0可以包括不穩定的半導體記億體以至長存的 儲存媒體如磁碟。輸入/輸出介面230是用來與網路 1 4 0，使用者2 5 0，及其他電腦系統周邊設備如印表機， 磁帶等傳輸資訊的。 電腦系統200的太小依經紀人，賣主，及消費者系統的 功能而定。例如，當規劃為消費者電腦系統丨3〇，電腦系 統200可以是固定式或手提式的小型個人電腦（pC)。適合 經紀人1 1 1及賣主ΠΙ使用的電腦系統的組態可以包括多處 理器及裝有免失誤"功能的大資料庫。此免失誤功能確保 資料庫22 I安全地維護一段長時間。 圖3顯示依據本發明較佳之具體實施例的系統L 〇 〇的_個 操作。例如，消費者13丨使用"貨幣"3 10購買由經紀人丨i i 產生的"電子的"經紀人臨時憑證320。在此，購買意謂消 費者1 3 1有效及消費者的貨幣3 1 〇確認時，經紀人系統丨！ 〇 以資料記錄的形式產生訊號。此訊號藉由網路傳輸到 消費者系統13 0以错存在消費者系統13 0的記憶體220的資 料庫221中。 用來交換臨時憑證3 20的貨幣3 10可以是現金，支票，信 -8 - 本纸張尺度適用中國國家標準{ CNS ) A4規格（210X297公釐） (諳先聞讀背面之注意事項再填疼本頁} -5 經濟部中央標準局員工消費合作社印製 410520 A7 B7 五、發明説明（6 ) 一 一 用卡，銀行的ATM卡’借貸卡，電話卡，或其他有價項 目 *'臨時憑證320也可以用促銷計劃中經常使用的，,點卷” 來免費交換》”點卷，，可以是臨時憑證的形式。 、據本發明較.佳具體實施例中的臨時憑證，在下面做進 步'^細的描述。簡言之’臨時憑證由臨時憑證生產者編 馬這意謂臨時憑證帶有只能由原發行人解讀的隱藏資 訊。另外’每—份臨時憑證都可被單獨辨識出來。在每/ 人使用後，臨時憑證的原發行人可以"使臨時憑證失效”， 也就是說資料記錄上的訊號不再被原電腦系統所接受處 理。 在上迷類似的交易3 0 3中，經紀人1 1 1用貨幣3 1 〇交換 大部份電子賣主臨時憑證3 3 0。賣主臨時憑證3 3 0由賣主 系、'先1 2 0產生。或者，經紀人系統1 1 0在有需要時執行被 授權的軟體程式來產生賣主臨時憑證3 3 0給消費者1 3 1。 此時’被授權人可產生的臨時憑證的總數可以和授權證的 知值’成正比》正如底下所要描述的，臨時憑證可以有 —固有效期限日以便發行者不用永遠維護與臨時憑證有關 的資科^ 在哭易304中，消費者131想要賣主121提供的產品150， 可以在交易302中用經紀人臨時憑證320交換賣主臨時憑證 330 °若產品150的購買價格少於賣主臨時憑證330的價 值’可以發行新的賣主臨時憑證當差額”找零"。分開的交 易方式允許消費者131要求賣主丨2丨將賣主臨時憑證330退 达成貨幣3 1 〇或經紀人臨時憑證3 20，或許要一些手續費 本錄尺度適用中國國家標準（CNS ) A4規格（210X297公羡） (请先S读背t6i:vi意事項真填寫本萸) 訂 經濟部中央標準局貝工消費合作社印裝 410520 A7 B7 ____ 五、發明説明（7 ) 用- {請先閲讀背面之注意事項再填寫本頁) 在另一具體實施例中，消費者13 1可以對買主12 i成立一 "帳戶"以直接取得賣主臨時憑證330 ’而不需要經紀人第 三者。成立一帳戶意謂在賣主電腦系統120中保存著一份 帳戶資料記錄5 在交易3〇4中，消費者131對賣主121提出賣主臨時憑證 3 3 0。賣主121解讀此賣主臨時憑證3 3 0來確認它，並認證 其"貨幣"額度。確認時也檢查其所屬資料庫來決定此臨時 憑證是否未曾使用過。認可交易304會使得所想要的產品 15 0送達消費者13 在交易304中，零頭也可用多付款總 額價值的賣主臨時憑證的形式退還給消費者13 1，例如， 另一份由網路140傳輸的資料記錄。 經濟部中央標準局員工消費合作社印^ 消費者隱私權的保護是系統100的一個優點。若觀察交 易，經紀人提供賣主臨時憑證可以決定消費者要取得的是 什麼’但經紀人並非交易的必要當事人因此，經紀人知 道要取得的產品是什麼並不被喜歡，但並非不可能。賣主 1 2 1不需要知道消費者13 1的身份。賣主丨2丨只要確保有故 的賣主臨時憑證330被與產品150交換。換言之，經紀人， 賣主’及消費者的資料庫被以此領域中所熟知的方法與系 統"防火牆"電腦系統及資料庫分別而安全地維護著。 代表臨時憑證的及系統丨〇〇所處理及傳輸的電子訊號1 在圖4中描迷及引用。此訊號，被保存在記憶體22〇中時， 可视為資科庫22 1的資料記錄4 10。 圖4顯示一由經紀人及賣主系統所維護的臨時憑證登錄 -10- 本紙乐尺^適用中國國家椟準（CNs7a4現格-------- A7 B7 410520 ^ ___ 五、發明説明（8 ) 400,例如圖2中的資料庫221。此登錄400包括多個臨時憑 證記錄410 »每個記錄410在"臨時憑證”產生時被儲存到登 綠400中。在記錄410產生後，此記錄的一備份會被傳輸給 要求者。每個記錄410包括一經紀人/賣主編碼412，—臨 時憑證值4M，一期滿日期416，一序號—識別碼 420 ’ 一有效標識422，及一分類424。 經紀人/賣主編碼412辨識出獨特的產生者，例如，產生 臨時憑證的經紀人或賣主。臨時憑證值4M可以是能交換 貨幣310的任何價值單位。臨時憑證值414的總數可以不同 於貨幣310的通用單位。例如，臨時憑證值可用分的分數 的倍數來表示，例如1 / 1 0 〇分。 期滿日期4 16決定所產生的臨時憑證何時變成完全失 政。期滿日期416可用如分鐘，小時，天或其結合的方式 來表示=使用期滿日期416簡化了賣主及經紀人的記帳工 作。已"期滿11的臨時憑證可由登錄4〇〇中刪除。期滿曰期 4 16也可消除"狀況不佳"臨時憑證的流通。 序號4 18辨識出獨特的臨時憑證記錄4丨〇。序號4 18相當 於紙幣上使用的序號。經紀人及賣主可用此序號在登 綠400中定位此記錄，並確保臨時憑證值414與序號々Η 一 致。 …識別碼420可以是隨機的，資料儲存的需求卻可藉由挑 域一 ia園涵盅所有序號的秘密數字而最小化，且藉由計算 臨時憑證值414,序號4丨8，及此祕密數字的函數可產生識 別碼420 ;例如，藉由計算被秘密數字所跟隨的其餘資料 11 私紙張尺度適财01 (請先閲讀背面之注意事項再填寫本頁)410520 V. Description of the invention (A7 B7 The Consumers ’Cooperative of the Central Standards Bureau of the Ministry of Economic Affairs of the People ’s Republic of China is a general example of the invention, and j is about network connection. Network connection electricity« All are operated electronically w = a 'especially for use BACKGROUND OF THE INVENTION With the advent of electronic forms of communication, telegrams, telephony, and telephony, and recent digital networks, the use of digital telephony 2 :: 2 ': electricity has made it possible to conduct business. Electronically encoded funds are no less than;% ziwan The electronic characterization of copying funds is very flat; tr Qing chooses “…. The most difficult task when operating a computerized business is to detect electronic caution 7X, — — only illegal reuse, And detect illegal reuse of funds, such as double consumption. Known electronic funds transfer systems often require —, the trusted third party's confession between sellers and consumers to confirm the validity of electronic funds. However, the demand of the third party adds to the cost of each transaction due to additional communication and additional analysis costs. In addition, current electronic funds transfer networks such as the Western European Union and the Federal Reserve Bank usually require To avoid, the only security media is stolen. Such a security network is usually not available to a consumer. Other electronic funds transaction methods involve building a relationship between the seller and the consumer, or through a deposit service. Or are credit card organizations providing accounting accounts. These methods are very efficient in processing transaction requirements, and adopt a reasonable confirmation system = However, these methods require early efforts to establish accounts "or credit value. For the average consumer For example, for potential users of the computer network that are too familiar with the Internet, setting up a claw account and maintaining credit information will increase the cost of the system = public communication networks such as electricity to increase the listening 6η. Helijia (please read the notes on the back before filling out this page) •-• 4 This paper is applicable to the Chinese National Standard (CNS) A4 specification (210X297 mm) 410520 5. Description of the invention (2) The Internet recently The growth has accelerated the demand for low-cost computerized business systems. In addition, the amount of economic support transactions in the information market is as small as one percent Special needs. For example, the 'Order in the Dianli Online Store' page, the copyrighted information. The current computerized business system, the transaction cost in micro-commerce, and far exceeds the value of the product itself. And the current system, such as the use of credit card organizations, has only a low degree of consumer privacy, because they only maintain centralized purchase records, and usually only a single point of debit. Therefore, 'computerization that provides a transaction processing cost is very low Business systems are very much needed. This system must be interactive, correct, and with verifiable bills. In addition, 'this system must be anti-theft. SUMMARY OF THE INVENTION The present invention is a method and system for conducting computerized commerce For example, as listed in item 1 'item 9 and item 14 of the patent application, a. Printed by the Consumer Cooperatives of the Central Standards Bureau of the Ministry of Economic Affairs (please read the note on the back before filling this page) * · -β The description provides a method for operating computerized commerce on several computer systems connected by a computer network, including providing a broker computer system, the broker system There is a database of temporary vouchers for brokers. Each temporary voucher for brokers represents a form of electronic money. It provides—a vendor computer system that has—a database containing products for exchange of temporary vouchers for brokers. This vendor computer The system can provide vendor temporary credentials and provide a consumer computer system. The consumer computer system has a user interface. The user can initiate transactions in the consumer computer system's interface to obtain one of the data contained in the vendor computer system's database. Or multiple products, the first request sent by the user on the consumer computer system will be used by the broker. The paper size applies to the Chinese National Standards (CNS — 410520 A7 B7. Printed by the Consumers' Cooperative of the Central Standards Bureau of the Ministry of Economic Affairs.) V. Description of the invention (3 Obtain the first temporary broker certificate on the brain system, process this first request in the broker computer system, and send this first temporary broker certificate to the consumer computer system in response to this processing Step, the second request from the computer system of the broker Obtain the first temporary seller voucher in the system, process this second request in the seller's computer system, and send this first temporary king voucher to the broker's computer system in response to the steps of processing this second request. The computer system sends a third request to the broker computer system for the first product, and the first broker temporary voucher receives the first vendor temporary voucher, and sends the product to the consumer computer system in response to this exchange step. This arrangement provides a system that allows the calculation of service and information charges at a small fee. BRIEF DESCRIPTION OF THE DRAWINGS The characteristics and features of the present invention are set out in the attached patent application. However, to better understand the features and advantages of the present invention, it is best to refer to the following detailed description of individual specific embodiments, and at the same time read the accompanying drawings, where: Figure I is a computerized system of computerized commerce Top-level block diagram; Figure 2 is a block diagram of the computer system used in the system of Figure 1; Figure 3 is a flowchart of the system operation in Figure 1; Figure 4: The system used in Figure 1 stores the data jitter record representing the temporary certificate signal Block diagram; Figure 疋 is a flowchart for processing the data record confirmation in Figure 4; and Figure 6 is a flowchart describing the method of operating the computerized system of the present invention. -Schematic medium comparison table-6- μ said that the scale is suitable for financial affairs (please read the notes on the back before filling in this f) Order 410520 A7 __B7 Five 'invention description (4) 100… computerized system; 110 · " Broker system; 111… user / bank / broker; 120 · • Vendor system, 121… Vendor; 130 · .Consumer system; 131… Consumer; 140 · • Computer system; 210… Central Processing Unit (cp U); 220 ·. Memory > 221… Database (DB); 230,.. 7 301, 302 '303, 304 ... transaction; 310 ... currency> 320 ... temporary broker voucher; 330 ... temporary seller voucher. J Sheep details (please read the notes on the back before filling in this purchase) Figure 1 shows a computerized system for operating computerized commerce in accordance with the principles of the present invention. The child system 100 includes a broker interconnected by a communication network 14 The person system 110, the seller system 120, and the consumer system 130-β. The system 100 depicted in FIG. 1 only shows a single broker, seller, and consumer system for clarity. In practice, any number of brokers, sellers, and consumer systems can be interconnected by the network 140. The user 1 丨 1 of the broker system Π 0 may be a bank, a credit provider ', or another form of financial service agency. The vendor system 120 is operated by a vendor 12 丨. Seller 12 丨 Provides products to consumers. -The consumer 13 1 can use the consumer system 13 to "electronically, 1 obtain the product of the seller 121" 50. The products 150 provided by the seller 121 may be commodities and any form of service. The network 140 may be public or private, such as a network, a switched telephone system, a satellite connection network, or the like. This paper size applies the Chinese National Standard (CNS) Α4 specification (210X297 mm). The order of the Central Consumer Corps of the Ministry of Economic Affairs of the People's Republic of China is 410520. Λ7-B7 5. Description of the invention (5) Figure 2 shows a suitable Computer system 200 for brokers, sellers, and consumer systems. The computer system 200 includes a central processing unit (CPU) 2 10, a memory module 22, and an input / round-out interface 2S0, which are interconnected by a bus line 240. The user 250 such as the broker, seller, and consumer CPU 2 10 executes software programs to process data. The programs and resources can be stored as a database (DB) 221 in the memory 220 = memory 2 2 0 It can include unstable semiconductor memory and long-term storage media such as magnetic disks. The input / output interface 230 is used to transmit information with the network 140, the user 250, and other peripheral devices of the computer system such as a printer, a magnetic tape, and the like. The computer system 200 is too small depending on the functions of the broker, vendor, and consumer system. For example, when planned as a consumer computer system 30, the computer system 200 may be a fixed or portable small personal computer (pC). The configuration of the computer system suitable for the broker 111 and the seller II can include multiple processors and a large database with error-free functions. This error-free function ensures that the database 22 I is safely maintained for a long time. FIG. 3 shows one operation of the system L oo according to a preferred embodiment of the present invention. For example, the consumer 13 丨 uses " currency " 3 10 to purchase " electronic " broker temporary voucher 320 generated by a broker 丨 i i. Here, when the purchase means that the consumer 1 3 1 is valid and the consumer's currency 3 1 0 is confirmed, the broker system 丨! 〇 Generate signals in the form of data records. This signal is transmitted to the consumer system 130 through the network by mistake and stored in the database 221 of the memory 220 of the consumer system 130. The currency used to exchange temporary vouchers 3 20 can be cash, cheques, letters -8-This paper size applies Chinese national standard {CNS) A4 specifications (210X297 mm) (谙 Please read the notes on the back before filling Pain this page} -5 Printed by the Consumer Cooperatives of the Central Standards Bureau of the Ministry of Economic Affairs 410520 A7 B7 V. Description of the invention (6) One by one card, ATM card of the bank 'debit card, phone card, or other valuable items *' temporary certificate 320 You can also use the coupons that are often used in promotional plans. "Do n’t exchange them for free" "The coupons can be in the form of temporary vouchers. According to the present invention, temporary vouchers in the preferred embodiment are improved below." ^ A detailed description. In short, 'the temporary voucher is compiled by the producer of the temporary voucher. This means that the temporary voucher carries hidden information that can only be interpreted by the original issuer. In addition,' each temporary voucher can be individually identified. After the use of each person, the original issuer of the temporary voucher can " invalidate the temporary voucher ", that is, the signal on the data record is no longer accepted and processed by the original computer system. Similar transactions on the fan 3 0 3 The broker 1 1 1 exchanges most of the electronic sellers temporary credentials 3 3 0 with currency 3 1 0. The sellers temporary credentials 3 3 0 are generated by the seller's department, 'first 1 2 0. Alternatively, the broker system 1 1 0 When necessary, execute authorized software programs to generate seller temporary credentials 3 3 0 to consumers 1 3 1. At this time, 'the total number of temporary credentials that an authorized person can generate can be directly proportional to the value of the authorization certificate' as required below As described, the temporary voucher can have a fixed validity date so that the issuer does not have to maintain the assets related to the temporary voucher forever ^ In Cry Easy 304, the consumer 131 wants the product 150 provided by the seller 121, which can be used in the transaction 302 Broker temporary voucher 320 exchange seller temporary voucher 330 ° If the purchase price of product 150 is less than the value of seller temporary voucher 330 'can issue a new seller temporary voucher when the difference "change" ". Separate transaction methods allow consumers 131 to request Seller 丨 2 丨 The seller's temporary voucher 330 will be returned to the currency 3 1 〇 or the broker's temporary voucher 3 20, and may require some processing fees. This record applies to the Chinese National Standard (CNS) A4 specification (21 0X297 public envy) (please read the t6i: vi intentionally and fill in this note first) Order printed by the Central Standards Bureau of the Ministry of Economic Affairs Printed by the Shellfish Consumer Cooperative 410520 A7 B7 ____ 5. Description of the invention (7) Use-{Please read the back first (Please note that this page is to be completed on this page) In another specific embodiment, the consumer 13 1 may set up an "account" with the buyer 12 i to directly obtain the seller's temporary voucher 330 'without the need for a third party broker. The establishment of an account means that an account information record is kept in the seller computer system 120. In the transaction 304, the consumer 131 submits the seller's temporary voucher 3 3 0 to the seller 121. The seller 121 interprets the seller's temporary voucher 3 3 0 to confirm it, and authenticates its "currency" quota. It also checks its own database to confirm whether this temporary voucher has not been used. Approved transaction 304 will allow the desired product 15 0 to reach the consumer 13 In transaction 304, fractions can also be returned to the consumer 13 1 in the form of a seller's temporary voucher for the total value of the payment, for example, another copy from the network 140 Record of data transmitted. The protection of consumer privacy is an advantage of the system 100. If you observe the transaction, the broker provides the seller's temporary voucher to determine what the consumer wants. But the broker is not a necessary party to the transaction. Therefore, the broker knows what the product to be obtained is not liked, but it is not impossible. The seller 1 2 1 does not need to know the identity of the consumer 13 1. The seller 丨 2 丨 just make sure that a temporary seller temporary voucher 330 is exchanged with the product 150. In other words, the databases of brokers, sellers' and consumers are maintained separately and securely by methods and systems " firewall " computer systems and databases well known in the art. The electronic signals 1 processed and transmitted by the system and representing the temporary credentials are depicted and referenced in FIG. 4. When this signal is stored in the memory 22, it can be regarded as the data record 4 10 of the asset library 22 1. Figure 4 shows a temporary voucher login maintained by the broker and seller system. -10- This paper ruler ^ Applicable to Chinese national standards (CNs7a4 is now -------- A7 B7 410520 ^ ___ 5. Description of the invention ( 8) 400, such as the database 221 in Figure 2. This login 400 includes multiple temporary voucher records 410 »Each record 410 is stored in the log-in 400 when " temporary voucher " is generated. After record 410 is generated, A copy of this record will be transmitted to the requester. Each record 410 includes a broker / seller code 412, a temporary voucher value of 4M, an expiry date of 416, a serial number of identifier 420 ', a valid identification 422, and A classification 424. The broker / seller code 412 identifies a unique producer, for example, the broker or seller that produced the temporary voucher. The temporary voucher value 4M can be any value unit that can exchange currency 310. The total number of temporary voucher values 414 can be Different from the universal unit of currency 310. For example, the value of a temporary voucher can be expressed in multiples of a fraction of a point, such as 1 / 100th of a cent. The expiration date 4 16 determines when the temporary voucher generated becomes completely in power. The expiration date 416 can be expressed in minutes, hours, days, or a combination of them = using the expiry date 416 simplifies the bookkeeping of sellers and brokers. Temporary vouchers that have expired 11 can be deleted from login 400. Expiry Date 4 16 can also eliminate the circulation of " poor conditions " temporary vouchers. Serial number 4 18 identifies unique temporary voucher records 4 丨 〇. Serial number 4 18 is equivalent to the serial number used on banknotes. Brokers and sellers can use this The serial number locates this record in Denglv 400, and ensures that the temporary voucher value 414 is consistent with the serial number 々Η.… The identification code 420 can be random, but the need for data storage can be obtained by picking all the secrets of the serial number in the IA Park. The number is minimized, and the identification code 420 can be generated by calculating the temporary voucher value 414, the serial number 4 丨 8, and the function of this secret number; for example, by calculating the remaining data followed by the secret number 11 01 (Please read the notes on the back before filling this page)
<1T 缒涛部中央樣準局員工消貧合作，社印褽 A7 B7 410520 五、發明説明（9 ) 攔位的MD-5亂數值。 (請先閱讀背面之注意事項存填寫本Va〇 MD-5或SHA標誌也可以用來傳輪發出者知道識別碼420 的證明而不須傳送識別碼420。要送出訊息μ來證明擁有 秘密S，一個人只要送出Μ接著Μ的亂數結果接著S ;接受 者，知道S是用來使Μ有效的’也可以計算亂數值，並比 較結果。有效標識422在臨時憑證產生時就被設定a使用 臨時憑證會清除標識420 »因此，用欺騙的方法複製的臨 時憑證記錄可以辨識出來。在大部份情況下臨時憑證使用 一次就永遠不能再用。 分類424使臨時憑證的供應對合格的消費者可以有原價 格的費用差額’例如學生，年長公民，或其他特別的消費 者利益固體。分類424也可以用來分辨臨時憑證的使用竟 圖°例如，臨時憑證的發行可以對年齡及產品做限制， 如，未成長人及煙草產品。分類資訊424由經紀人產生， 他可檢驗此資訊並傳遞給所有賣主，允許使用較強力的解 密碼技巧來確認消費者資料。 相同的，在網路1 4 0同一地理區域傳輸的臨時憑證，不 能交換違反領土邊界及出口规定的產品。臨時憑證可以進 經濟部中央標準局貝工消費合作社印製 一步分類來識別特定產品，產品數目，及使用時間，例如 "配額”。 處理代表臨時憑證的訊號的處理過程500顯示在圖5中。 通常’每筆臨時憑證交易牽涉到一要求，及一回應。苦訊 號標示要求沒有到達，它們可以重傳輸。若回應遺失，那 麼’屬於回應的一部份的臨時憑證也可能遣失。然而，若 -12- 本紙乐尺度適用中國國家標準（CNS ) A4規格（2I0X297公釐） A7 B7 «〇52〇 五、發明説明（ 最後一筆交易可以完全正確地重複，則同_消費者同—要 求的一份接於其後的收據可以兑現。 ^步驟51G，收到臨時憑證。在步驟52Q臨時憑證的接 吹者用只有臨時憑證的原發行人才知道的方法解讀臨時憑 :。若臨時憑證無法解碼，自時憑證在步驟州被退回。 當序號418在步騾640確認時，識別碼42〇在步騾53〇檢查。 若兩者都正確，臨時憑證在步驟55〇證實。否則’臨時憑 證在步驟599被退回《臨時憑證的證實允許產品丨幼的^ 出。例如，臨時憑證可用來交換網路u〇中所儲存的資 訊。 臨時憑證可.以是"序列的‘_。意謂只要消費者擁有一授 證，賣主將與產品—起交換新的臨時憑證以便在後面的交 易中使用。這樣形態的交換是為了序列的產品，諸如定期 文件，或其他重複訂購的產品。同樣地’在此描述的系統 100，可以用來控制對賣主提供給會員消費者的服務的使 用。只要消費者繼續加入會員’由此消費者而來的臨時憑 證將會被接受。 臨時憑證使用後並不須要變成無效•當主可選擇，臨時 憑澄可以被多次接受，或甚至’重複的臨時憑證在特定時 段可以交換促銷產品。臨時憑證可以有條件地產生。也就 疋1¾時憑澄的分類4 2 4·標示消費者在臨時憑證成為，,可用，, 之前所必須滿足的其他條件。例如，臨時憑證只有在消費 者先從事一特定組先決條件交易之後才能啟用。 臨時憑證’在普遍分布的網路如網際網路上，可以讓電 -13- 本紙張尺度適用中國國家標準（CNS ) A4規格（2丨0 χ 297公釐） (請先閱讀背面之注意事項再填寫本頁) r 經濟部中央標準局一貝工消费合作社印製 A7 B7 410520 五、發明説明（υ) 子的夂件例如"電子郵件，像”郵票„ —樣散布。在此，臨時 憑#允4包括與郵寄，運送，散布，調節電子郵件有關的 費用。 〇 如所描述的，以不同於以往系統的方法運 作消費者不須對產品提供者成立信用帳户。消費者可他 們該男貴的輕易地辨別哪些交易是有效的。 已t逑了本發明的—個較佳實施例，納入此概念的其他 具體實施例對習於此藝者是顯而易見的。目此，本發明不 應j侷限於已發表的發明，而只該被所附專利申請項目所 限。 、 (請先閱讀背面之注意事項再填寫本頁) 訂 經濟部中央橾準局員工消費合作杜印製 -14 本紙張尺度適用中國國家標準（CNS ) A4規格（210X 297公釐< 1T Cooperative poverty alleviation for employees of the Central Procurement Bureau of the Ministry of Education, A7 B7 410520. 5. Description of the invention (9) MD-5 random value of the stop. (Please read the precautions on the back and fill in this VaMD-5 or SHA mark. It can also be used to pass the certificate that the sender knows the identification code 420 without transmitting the identification code 420. You must send a message μ to prove that you have a secret S A person only needs to send the random number result of M followed by M followed by S; the receiver knows that S is used to make M effective, and can also calculate the random value and compare the results. The valid identifier 422 is set to a when the temporary voucher is generated. Temporary vouchers clear identification 420 »Therefore, temporary voucher records copied by deception can be identified. In most cases, temporary vouchers can never be used once. Classification 424 makes provision of temporary vouchers available to qualified consumers. There can be a cost difference of the original price, such as students, senior citizens, or other special consumer interest solids. Classification 424 can also be used to distinguish the use of temporary vouchers. For example, the issue of temporary vouchers can be made for age and products. Restrictions, such as undeveloped people and tobacco products. Classified information 424 is generated by the broker, who can check this information and pass it to all sellers, allowing It is possible to use strong deciphering techniques to confirm consumer information. Similarly, temporary vouchers transmitted in the same geographical area on the network 140 cannot be exchanged for products that violate territorial borders and export regulations. The temporary vouchers can be entered into the central standard of the Ministry of Economic Affairs. The local shellfish consumer cooperative prints a one-step classification to identify a specific product, the number of products, and the time of use, such as " quota. &Quot; The process 500 for processing a signal representing a temporary voucher is shown in Figure 5. Usually 'per temporary voucher transaction A request and a response are involved. The bitter signal indicates that the request did not arrive and they can be retransmitted. If the response is lost, then the temporary credentials that are part of the response may also be lost. However, if -12- Applicable to China National Standard (CNS) A4 specification (2I0X297mm) A7 B7 «〇52 05. Invention description (the last transaction can be completely and correctly repeated, the same as the _consumer-requested one followed by the The receipt can be cashed. ^ Step 51G, the temporary voucher is received. In step 52Q, the receiver of the temporary voucher uses the original of the temporary voucher. The method that the issuing person knows is to interpret the temporary voucher: If the temporary voucher cannot be decoded, the current voucher is returned in step state. When the serial number 418 is confirmed in step 640, the identification code 42 is checked in step 530. If both Correct, the temporary voucher is verified at step 55. Otherwise, the 'temporary voucher is returned at step 599. "The verification of the temporary voucher allows the product to be exported. For example, the temporary voucher can be used to exchange information stored in the network u0. Temporary The voucher can be a 'sequence'_. It means that as long as the consumer has a certificate, the seller will exchange new temporary vouchers with the product for use in subsequent transactions. This type of exchange is for serial products , Such as regular documents, or other re-ordered products. Similarly, the system 100 described herein can be used to control the use of services provided by vendors to member consumers. As long as the consumer continues to join the membership 'temporary credentials from this consumer will be accepted. The temporary voucher does not need to become invalid after use. • When the owner can choose, the temporary voucher can be accepted multiple times, or even the duplicate temporary voucher can be exchanged for promotional products at a specific time. Temporary credentials can be generated conditionally. In other words, the classification of Pingcheng at 疋 1¾ 4 2 4 · Indicates other conditions that consumers must meet before the temporary vouchers become, are available, and are available. For example, temporary credentials can only be enabled after the consumer first engages in a specific set of prerequisite transactions. Temporary vouchers' can be used on widely distributed networks such as the Internet. 13- This paper size applies to China National Standard (CNS) A4 specifications (2 丨 0 χ 297 mm) (Please read the precautions on the back before (Fill in this page) r The A7 B7 410520 printed by the Central Standards Bureau of the Ministry of Economic Affairs. A copy of the invention description (υ) such as "e-mail", distributed like "stamps". Here, the temporary permit # 4 includes the costs related to mailing, shipping, distribution, and adjustment of e-mail. 〇 As described, consumers operating in a different way than previous systems do not need to establish a credit account with the product provider. Consumers can easily identify which transactions are effective. Having described a preferred embodiment of the present invention, other specific embodiments incorporating this concept will be apparent to those skilled in the art. For this reason, the present invention should not be limited to published inventions, but only by the attached patent application items. 、 (Please read the notes on the back before filling this page) Order Printed by the Ministry of Economic Affairs of the Central Bureau of Quasi-Employees for consumer cooperation -14 This paper size applies to Chinese National Standard (CNS) A4 (210X 297 mm)