# US 2014/0156456 A1 · Method of on-line shopping with real-name authentication

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- Number: US 2014/0156456 A1
- Document ID: US20140156456A1
- Status: Published application
- Kind: A1
- Application number: 13/958,089
- Filed: 2013-08-02
- Published: 2014-06-05
- Earliest claimed: 2012-11-30
- Assignees: Cathay United Bank
- Applicants: Cathay United Bank
- Inventors: Jui-Yu WANG
- Web page: https://patentgrep.com/patent/US20140156456A1

## CPC

- G06Q 30/0609: {Qualifying participants for shopping transactions (payment transaction verification G06Q20/401)}
- 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

## Abstract

A method of on-line shopping with real-name authentication includes the steps of:(A) a buyer providing his/her ID number to a real-name authentication bank in order to proceed with the real-name authentication process and obtaining a buyer bank account number; (B) a seller providing its Business Registration Number to the real-name authentication bank in order to proceed with the real-name authentication process and obtaining a seller bank account number; (C) the seller registering a predefined web address in order to proceed with the on-line shopping; (D) the buyer bank account number and his/her ID number being provided to the seller when the buyer purchasing a product or a service with an amount of money in the seller's website; and (E) the seller transmitting the buyer bank account number and the ID number to the real-name authentication bank via the predefined web address.

## Claims

### Claim 1

A method of on-line shopping with real-name authentication, comprising the steps of:
(A) providing an ID number of a buyer to a real-name authentication bank to proceed with the real-name authentication process and obtaining a buyer bank account number;
(B) providing a Business Registration Number of a seller to a real-name authentication bank to proceed with the real-name authentication process and obtaining a seller bank account number;
(C) registering a predefined web address by the seller to proceed with the on-line shopping;
(D) providing a bank account number and the ID number of the buyer to the seller when the buyer purchases a product or a service with an amount of money in the seller's website;
(E) transmitting the bank account number and the ID number of the buyer by the seller to the real-name authentication bank via the predefined web address;
(F) verifying if the source of the seller corresponds to the registered predefined web address by the real-name authentication bank according to the predefined web address;
(G) verifying if the bank account number and the ID number of the buyer are matched by the real-name authentication bank when the predefined web site corresponds to the registered predefined web address;
(H) transmitting a request of deduction to the buyer by the real-name authentication bank when the bank account number and the ID number of the buyer are matched;
(I) agreeing the request of deduction to the real-name authentication bank by the buyer;
(J) deducting the amount of money in a buyer bank account and remitting it to a seller bank account by the real-name authentication bank, and notifying the seller a message that the amount of money is remitted successfully and notifying the buyer a message that the amount of money is deducted successfully after the message that the buyer agrees the request of deduction to the real-name authentication bank is received;
(K) sending out the product or providing the service to the buyer by the seller when receiving the message that the amount of money is remitted successfully.

### Claim 2 (depends on 1)

The method according to claim 1, wherein the step (A) includes providing an ID card and one of a national health insurance card, a passport, a driving license, and a student ID card of the buyer to a real-name authentication bank in order to proceed with the real-name authentication process and obtaining a buyer bank account number.

### Claim 3 (depends on 1)

The method according to claim 1, wherein the step (B) includes providing an ID card and one of certificate of company registration, establishment registration form, and registration change form of a business owner of the seller to a real-name authentication bank in order to proceed with the real-name authentication process and obtaining the seller bank account number.

### Claim 4 (depends on 1)

The method according to claim 1, wherein the step (B) includes providing an ID card of a business owner of the seller to a real-name authentication bank to proceed with the real-name authentication process and obtaining the seller bank account number.

### Claim 5 (depends on 1)

The method according to claim 1, wherein the step (H) includes transmitting the request of deduction to the buyer by the real-name authentication bank through telephone call, facsimile (Fax), mobile phone message, mobile phone APP, or One-Time Password.

### Claim 6 (depends on 1)

The method according to claim 1, wherein the request of deduction includes the information of the amount of money charging for the product or service.

### Claim 7

A method of on-line shopping with real-name authentication, comprising the steps of:
(A) providing an ID number of a buyer to a real-name authentication bank to proceed with the real-name authentication process and obtaining a buyer bank account number;
(B) providing a Business Registration Number of a seller to a real-name authentication bank to proceed with the real-name authentication process and obtaining a seller bank account number;
(C) registering a predefined web address by the seller to proceed with the on-line shopping;
(D) providing a buyer bank account number and the ID number of the buyer to the seller when the buyer purchases a product or a service with an amount of money in the seller's website;
(E) transmitting the bank account number of the buyer by the seller to the real-name authentication bank via the predefined web address;
(F) verifying if the source of the seller corresponds to the registered predefined web address by the real-name authentication bank according to the predefined web address;
(G) verifying the bank account number of the buyer by the real-name authentication bank when the predefined web site corresponds to the registered predefined web address;
(H) transmitting a request of deduction to the buyer by the real-name authentication bank when the bank account number and the ID number of the buyer are matched;
(I) agreeing the request of deduction to the real-name authentication bank by the buyer;
(J) deducting the amount of money in a buyer bank account and remitting it to a seller bank account by the real-name authentication bank, and notifying the seller a message that the amount of money is remitted successfully and notifying the buyer a message that the amount of money is deducted successfully after the message that the buyer agrees the request of deduction to the real-name authentication bank is received;
(K) sending out the product or providing the service to the buyer by the seller when receiving the message that the amount of money is remitted successfully.