201001312 九、發明說明： 【發明所屬之技術領域】 經由管理帳戶的集中管理透過認證結算系統所進行的認證錢包之交 易行為 【先前技術】 近年來，信用卡ic化，以及電子錢包之普及逐漸有進展，預先將資料記 憶在電子錢包之1C晶片上藉由非接觸式或可攜式終端機之資料傳遞， 來代替現金之支付，藉由非接觸式或可攜式終端機之讀取裝置，即可執 行結算之方式已逐漸增加.用此種方法進行電子錢包結算之系統係有 揭示於專利文獻1之技術。 此專利文獻1中所揭示之技術，是在便利商店等之加盟店裏，使用者 以所擁有之卡片進行價款的支付。 加盟店方面在結算時，藉由加盟店終端機進行烟者卡片的認證，對於 使用者的卡片進行預付額度内之電子錢包的扣除，將此記錄權送到網 路上的電子聽管_顧，在根據此記錄進行合計及，並將其結 果通知發行者（發行_)，發行者騎加盟店侧合計相當於利用額 度的現金送達加盟店以控制現金之流通。 專利文獻1··日本特開2003_141428號公報 【發明内容】 1.=證結帳卡：多崎的電子聽，包含線上機制，與離線機制之综合 瓶 2. 管理系統:讓每個店家皆可發行自己的卡片，且皆是發 3. 證相軸:發侧發地，只要卡糊費皆有回館 4. 逍遙卡認證結算各行#賊 5. 逍遙認證卡折扣及紅利麵:折 用此系統結算 費頻率。 —錢利雙向利多，強化使用者的消 201001312 (發明欲解決之課題） 在上述揭示於專利文獻1之技術中有些相關的問題待解決列舉如下： (1) 將相關資訊記錄於卡片晶片内如認證碼及預儲金額，容易招致有 心人士的測錄認證碼及駭客入侵晶片的篡改金額 (2) 無網際網路上線設備的店家，無法使用電子錢包的先天限制 (3) 發卡單位（發卡組織)及預儲通路的限制，有礙於電子錢包的推廣 及使用頻率 (4) 網際網路的消費行為，需有讀卡機設備的限制 (5) 安全機制的薄弱及無即時交易認證容易造成時間差及安全交易 行為的糾紛 (用以解決課題之手段)及(發明效果） 為解決上述的醜，本發明艇行紐錢包職的結算祕，其特徵具 備有： (1) 遇證卡之晶片只認證卡片的屬實，一些重要的資訊如使用者的基 本資料，認證密碼及可用金额等皆須通過第二道防火牆機制及加 密解密機制才能進入【逍遙卡認證結算系統】取得相關資訊，大 大降低測錄及駭客入侵的安全防護 (2) 由於【逍遙卡認證結算系統】採取雙轨交易機制，即使離線的店 家【逍遙卡認證、结算系統】會偵測到離線狀態，即啟動【認證卡】 【離線錢包】，其内的金額為【上線錢包】的最後一筆餘額，等同 【離線錢包】的可用金額，若使用者消費回到上線環境則兩錢包 會先結算後回復到上線認證機制，因此【逍遙卡認證結算系統】 無網際網路環境先天的限制 (3)由於有【店家代收認證管理系統】發卡單位(發卡組織)必須預存 發卡金額透過【網路ATM】的方式存於【集合管理帳戶】内之發 卡單位之虛擬帳號始有發卡權限，其定位為將使用者的預付金額 201001312 【代為收取】存人於【集合管理帳戶】内，代收之店家不須 j金額再-次存人【集合管理帳戶】内，由【店家代收認證管 理系統】直接扣除店家【集合管理帳戶】内之虛擬帳號的金额即 可，等到店家【虛錄號】的金額等同於【店家代收認證管理 ，】内之【保證金】額度時，【店家代收認證管理系統】立即通 知發卡單位或店家透過【網路綱】存於【集合管理帳戶 若無此動作即無法發卡且代收使用者的預儲金額。 ， 【發『卡及代收】單位通路的問題，重點是銀行收款有 的問題，透過【網路纖】及【店家代收認證管理系統】的相 容、所有的交易行為24小時都楊行無阻，除此之外更讓使用者 瞢預付金額店家都已代為使用者存人金融機構保管的【集合 】内）且無時差的使用，加強消費的頻率 ⑷ ^網路達，其W金概年不_倍增，但交㈣行為還 ，必須有才能完毅胃，有祕此鱗賴卡設備雜制【逍遙 結算系統】可結合各大__物行為，其結帳機制回到 赫:接卡認證結算系統】之主機作清算的動作，其原理跟實艘店 =費-樣，只要使用者在以遙卡認證結算系統】所架設的網 生活網】作網路上的資料登入，即可不用多添講讀卡設備， 跣能遨遊在各連結網站消費 Ο 2場上雜多預付儲值卡如悠遊卡，7-11的1購卡都有 f同的問題，卡片若個者遺失了，只要還有餘額任何人撿到了 也可以拿來使用，造成許多原使用者的損失。 Μ紛【逍_證卡】採取認卡認人及密碼認證加消費 單的方式’即使卡片被人撿到了，沒有》密碼也無法使用 201001312 【實施方式】 - (系統之整體架構） 有關本發明之實施方式，參照圖面來說明 【圖一】店家取得【發卡權限】的流程 店主需到金融機構開立指定匯款帳戶並取得金融卡—店主利用【店 家代收認證管理系統】内之【網路ATM】的功能存入一筆代收金額於【集 合管理帳戶】作為發卡代收的權利—【集合管理帳戶】—【逍遙卡 認證結算系統】店家款項匯入，請開啟【店家代號】〜【店家代收認 〆 證管理系統】登入店家代號及相關資料—認證無誤—連線完成 【圖二】使用者取得【逍遙認證卡】流程 使用者將預儲金額給店家—店家操作【店家代收認證管理系統】〜 讀卡機感應一張新的【逍遙認證卡】—透過網際網路—【逍遙卡認 證結算系統】新卡卡號認證—【店家代收認證管理系統】認證確定〜 【店家代收認證管理系統】店家輸入使用者基本資料並輸入使用者預 健金額請使用者設定【認證密碼鍵盤】輸入自設密碼—【認證 密碼鍵盤】確認密碼—交易完成，同時資料傳回【逍遙卡認證結算系 統】作資料登入及結算》【名細簽收出單機】印出二聯式代收簽收單 i ―使用者簽名 【圖三】持卡人使用【逍遙認證卡】流程 卡片感應【認證卡讀卡機】讀卡—【店家代收認證管理系統】確認 卡號-> 持卡人輸入認證密碼—透過網際網路—【逍遙卡認證結算 系統】認證卡號及店家代號—確認授權並傳送卡片餘額及使用者姓 名 【店豕代收認證管理系統】店家確認使用者身份並輸入使用金 額—消費確認同時資料傳回【逍遙卡認證結算系統】作結算—【名 細簽收出單機】印出二聯式消費簽收單同時也打出發票持卡人簽 名—店家收回簽名單，持卡人收消費名細單 8 201001312 【圊四】持卡人使用【逍遙認證卡】代收流程 卡片感應【認證卡讀卡機】讀卡—【店家代收認證管理系統】確認 卡號—透過網際網路—【逍遙卡認證結算系統】認證卡號及店家代 號—確認授權並傳送卡片餘額及使用者姓名—【店家代收認證管 理系統】店家收取持卡人代收金額並輸入收取數字 —> 【店家代收認 證管理系統】扣除店家預存在【集合管理帳戶】的代收金額—代收 確認同時資料傳回【逍遙卡賺結算祕】作結算〜【名細簽收出 單機】印出二聯式代收簽收單—持卡人簽名—店家收回簽名單，持 卡人收代收名細單 【圖五】持卡人使用【逍遙認證卡】本網站消費流程 持卡人在【逍遙卡認證結算系統】所架設的網站【νιρ生活網】作網路 上的資料登入，若在本網站【VIP生活網】消費， 上網至^liPzLIFE. C0MJ1，登入網站自設的帳號及密碼，進入購物 商城—購買產品—結帳—選擇結帳方式—點選【们？逍遙卡】 —【逍遙卡認證結算系統】送出登入人之卡片訊息—選擇卡號—輸 入卡片密碼—確認相關資料並輸入送貨地址等訊息—送出—在 -次確認資料—送錢同時資料細【逍遙卡認證結算祕】作結 算—列印訂單 【圖六】持卡人使用【逍遙認證卡】其它_消費流程 在其他有連結_站選購產品完成後〜結帳—選擇結帳方式— 遙卡】—【逍遙卡認證結算_認證網路商店代號，購 子號—認證無誤送出登人人之卡片訊息〜選擇卡號— 【逍遙卡認證結算系統】認證卡片_確認無誤後 授權口款·^扣款確認並同時資料傳回【逍遙卡雛結算系統】作結算 201001312 【圖七】店家取得貨款與回饋紅利之流程 【逍遙卡認證結算系統】每星期五24:00公佈各店家【逍遙認證卡】 消費名細與回饋紅利—【VIP生活網】之【經銷商專區】—店家輸 入帳號與密碼—進入功能區—點選業績査詢—所查詢的數字 可與店家的【店家代收認證管理系統】内的營業查詢作數字比對—每 星期三【逍遙卡認證結算系統】將匯款訊息傳至【金融機構】—【集 合管理帳戶】放行且匯款至—各店家之【指定銀行帳戶】 【附註一】使用者如何了解認證卡片的消費狀況（不論是實體店舖或是 網路店家之消費） 至【VIP生活網】—【卡務中心】—登入網站帳號，密碼—【我的 卡片管理】即可 【圖式簡單說明】 【圖一】店家取得【發卡權限】的流程 【圖二】使用者取得【逍遙認證卡】流程 【圖三】持卡人使用【逍遙認證卡】流程 【圖四】持卡人使用【逍遙認證卡】代收流程 【圖五】持卡人使用【逍遙認證卡】本網站消費流程 【圖六】持卡人使用【逍遙認證卡】其它網站消費流程 【圖七】店家取得貨款與回饋紅利之流程 【附註一】使用者如何了解認證卡片的消費狀況 【主要元件符號說明】 1.【使用者】 2·使用者卡片【逍遙認證卡】 201001312 3. 店家P0S電腦系統【店家代收認證管理系統】 4. 【認證密碼鍵盤】 . 5.【名細簽收出單機】 6·【認證卡讀卡機】 _ 7.【網際網路(ADSL)】 8. 【金融機構】 9. 【集合管理帳戶】 10·【逍遙卡認證結算系統主機】 11. 【網路ATM】 12. 【店主金融卡】 13. 【店家指定帳戶】 14. 【VIP生活網】 15. 【經銷商專區】 16. 【卡務中心】 17. 【我的卡片管理】 十、申請專利範圍： 系統其特徵為：具傷有201001312 IX. Description of the invention: [Technical field of invention] The transaction behavior of the authentication wallet by the centralized management of the management account through the authentication settlement system [Prior technology] In recent years, credit card icization and the popularity of electronic wallet have gradually progressed In advance, the data is stored on the 1C chip of the electronic wallet by means of data transfer by the contactless or portable terminal, instead of cash payment, by means of a non-contact or portable terminal reading device, ie The manner in which settlement can be performed has gradually increased. The system for performing electronic wallet settlement by such a method has the technique disclosed in Patent Document 1. The technique disclosed in Patent Document 1 is that in a franchise store such as a convenience store, the user pays the price with the card owned. At the time of settlement, the franchise store authenticates the smoker card by the franchise terminal, and deducts the electronic wallet within the prepaid amount from the user's card, and sends the record right to the electronic listening device on the network. When the total is based on this record, and the result is notified to the issuer (issuance_), the issuer's ride on the franchise side is equivalent to the use of the amount of cash to the franchise store to control the flow of cash. Patent Document 1: Japanese Patent Laid-Open Publication No. 2003-141428 [Draft] 1.=Checkout card: Multi-sound electronic listening, including online mechanism, and integrated bottle with offline mechanism 2. Management system: Let each store have Issue your own card, and all are issued 3. The card phase axis: the hair side of the hair, as long as the card paste fee is returned to the museum 4. Happy card certification settlement line # thief 5. Happy certification card discount and bonus face: use this System settlement fee frequency. - Qianli's two-way profit, strengthening the user's consumption 201001312 (The subject to be solved by the invention) Some related problems to be solved in the above-mentioned technique disclosed in Patent Document 1 are to be solved as follows: (1) Record relevant information in the card wafer, for example The authentication code and the pre-storage amount are easy to incur the testimonials of the interested person and the tampering amount of the hacker's invading chip. (2) The store without the Internet connection device, the innate limitation of the e-wallet cannot be used (3) The card issuer (issuing the card) The restrictions on organization and pre-storage channels hinder the promotion and use frequency of e-wallets. (4) Internet consumption behavior requires restrictions on card reader equipment. (5) Weak security mechanisms and no real-time transaction authentication. Disputes causing time difference and safe trading behavior (means for solving problems) and (invention effect) In order to solve the above-mentioned ugliness, the settlement secret of the boat line of the present invention has the following features: (1) The chip only authenticates the card. Some important information such as the user's basic information, authentication password and available amount must pass the second firewall mechanism and encryption. The secret mechanism can enter the [Happy Card Authentication and Settlement System] to obtain relevant information, greatly reducing the security protection of the recording and hacking invasion. (2) Since the [Happy Card Authentication and Settlement System] adopts the dual-track trading mechanism, even the offline store [Happy Card] The authentication and settlement system will detect the offline status, that is, start the [Authentication Card] [Offline Wallet], and the amount in it is the last balance of [Online Wallet], which is equivalent to the available amount of [Offline Wallet], if the user consumes Back to the online environment, the two wallets will be settled and then returned to the online authentication mechanism, so [Happy Card Authentication and Settlement System] No innate restrictions on the Internet environment (3) Due to the [store collection and collection management system] card issuer (issuing card) Organization) must pre-store the amount of card issuance through the [network ATM] way to the virtual account of the card issuer in the [collection management account] has the card issuance authority, which is positioned to the user's prepaid amount 201001312 [received for collection] In the [collection management account], the collection of the store does not require the amount of J-re-storage [collection management account], by [ Store collection and collection management system] directly deduct the amount of the virtual account in the store [collection management account], and wait until the amount of the [virtual record number] of the store is equal to the [guarantee] amount in the [store collection and collection management,] [Store identification and collection management system] Immediately notify the card issuer or store to deposit through the [network program] in the [collection management account, if there is no such action, the card cannot be issued and the user's pre-stored amount will be collected. [Issues the card and collection] The problem of the unit access, the focus is on the problems of bank collection, through the compatibility of [network fiber] and [store collection and authentication management system], all trading behaviors are 24 hours. There is no obstacle, in addition to the user, the prepaid amount of the store has been used in the [collection] kept by the user depository financial institution and no time difference, to enhance the frequency of consumption (4) ^ Internet access, its W gold In the year, it is not _ multiplier, but the act of (4) is also a must, and there must be a talent to complete the stomach. There is a secret of this scale. The device is equipped with a system of miscellaneous [Happy Settlement System], which can combine the major __ behaviors, and its checkout mechanism returns to He: The card authentication and settlement system] is the operation of the main unit for clearing, and the principle is the same as the actual store=fee-like, as long as the user logs in on the network using the network life network set up by the remote card authentication and settlement system] You don't need to add more reading card equipment, you can travel on each link website. Ο 2 pre-paid prepaid card such as Youyou card, 7-11 1 card has the same problem, if the card is lost Anyway, as long as there is a balance, anyone can get it. To use, resulting in the loss of many of the original user. Μ 逍 逍 证 证 证 证 采取 采取 采取 采取 采取 采取 采取 采取 采取 采取 采取 采取 采取 采取 采取 采取 采取 采取 采取 采取 采取 采取 采取 采取 采取 采取 采取 采取 采取 采取 采取 采取 采取 采取 采取 采取 采取 采取 采取 采取 采取 采取 采取 采取 采取 采取 采取The implementation method is described with reference to the drawing. [Figure 1] The store owner obtains the [issuing authority] process. The store owner needs to open a designated remittance account with the financial institution and obtain the financial card. The owner uses the [store collection and collection management system]. The function of the road ATM is stored in a collection amount in the [collection management account] as the right to collect the card - [collection management account] - [Happy card authentication and settlement system] store money remittance, please open [store code] ~ [ Store collection and acceptance certificate management system] Login store code and related information - authentication is correct - connection is completed [Figure 2] The user obtains [Happy Certificate Card] process user will pre-store the amount to the store - store operation [store collection Certification Management System] ~ The card reader senses a new [Happy Authentication Card] - through the Internet - [Happy Card Authentication and Settlement System] New card number certification - [store collection management system] certification and determination ~ [store collection management system] store input user basic data and enter the user's pre-set amount, please set the user's [authentication password keyboard] enter the password —[Authentication Password Keyboard] Confirm Password - The transaction is completed, and the data is sent back to [Happy Card Authentication and Settlement System] for data login and settlement" [name fine receipt and receipt of single machine] print out two-type collection receipt i - user signature [Figure 3] Cardholders use [Happy Authentication Card] Process Card Sensing [Certificate Card Reader] Read Card - [Store Collection Management System] Confirm Card Number -> Cardholder Enter Authentication Password - Via Internet — [Happy Card Certification and Settlement System] Certification Card Number and Store Code - Confirm Authorization and Transfer Card Balance and User Name [Store Collection and Collection Management System] The store confirms the user's identity and enters the usage amount - the consumption confirmation and the data are returned. Happy card authentication and settlement system] for settlement - [name fine sign receipt and single machine] print out two-type consumption receipts at the same time Signing the invoice cardholder's signature—the store returns the signature list, and the cardholder collects the consumption name list 8 201001312 [圊四] The cardholder uses the [Happy Certification Card] collection process card induction [certification card reader] reading card— [Store collection management system] Confirm the card number - through the Internet - [Happy card authentication and settlement system] certification card number and store code - confirm the authorization and transfer the card balance and user name - [store collection management system] store Cardholder collects the amount and enters the number of receipts-> [store collection and collection management system] deducts the pre-existing [collection management account] collection amount of the store--receiving and confirming the data and returning it to [Happy Card Earning Secrets] Settlement ~ [name fine sign receipt and single machine] print out the two-type collection receipt - the cardholder signature - the store retracts the signature, the cardholder collects the name list [Figure 5] cardholder use [Happy Certification Card 】 The website consumer process cardholders in the [Happy Card Certification and Settlement System] website [νιρ生活网] for online data login, if on this website [V IP Life Network] Consumer, go to ^liPzLIFE. C0MJ1, log in to the website's own account and password, enter the shopping mall - buy products - checkout - choose the checkout method - click [we? Happy card] — [Happy card authentication and settlement system] Send the card information of the login person - select the card number - enter the card password - confirm the relevant information and enter the delivery address and other information - send - in - confirmation data - send money at the same time fine data [ Happy card authentication settlement secret] for settlement - printing orders [Figure 6] cardholders use [Happy Certification Card] other _ consumption process in other links _ station purchase products completed ~ checkout - choose the checkout method - remote Card]—[Happy card authentication settlement _ certification online store code, purchase number - certification to send the card message of the denier to the correct number ~ selection card number - [Purchase card authentication and settlement system] certification card _ confirmation after the authorization of the mouth · ^ Deduction of the deduction and return of the data at the same time [Happy card settlement system] for settlement 201001312 [Figure 7] The process of obtaining payment and rewards from the store [Happy Card Certification and Settlement System] Publish each store at 24:00 every Friday [Happy Certification Card] Consumer name and feedback bonus - [VIP Life Network] [Dealer Area] - store input account and password - enter the function area - click on the performance Enquiry - the number to be queried can be compared with the business enquiry in the store's [store collection and collection management system] - every Wednesday [Private Card Authentication and Settlement System] will transfer the remittance message to [financial institution] - [collection management account] 】 Release and remittance to the [designated bank account] of each store [Note 1] How do users understand the consumption status of the authentication card (whether it is the consumption of a physical store or an online store) to [VIP Life Net]-[Card Center]—Login website account, password—[My card management] can be [simplified description] [Figure 1] The store obtains the [issuing authority] process [Figure 2] The user obtains the [Happy Authentication Card] process [Figure 3. Cardholders use the [Happy Certification Card] process [Figure 4] Cardholders use [Happy Authentication Card] collection process [Figure 5] Cardholders use [Happy Authentication Card] This website consumption process [Figure 6] Card people use [Happy Certification Card] other website consumption process [Figure 7] The store obtains the payment and feedback process [Note 1] How do users understand the certification? Card consumption status [Main component symbol description] 1. [User] 2 User card [Happy certificate card] 201001312 3. Store P0S computer system [store collection management system] 4. [Authentication password keyboard] . [Name signing and receiving stand-alone machine] 6·[Certificate card reader] _ 7. [Internet (ADSL)] 8. [Financial institution] 9. [Collection management account] 10·[Happy card authentication and settlement system host 】 11. [Internet ATM] 12. [Store owner financial card] 13. [Store designated account] 14. [VIP life network] 15. [Dealer area] 16. [Card center] 17. [My card management 】 Ten, the scope of application for patents: The system is characterized by:
⑴種㈣證錢包的結算系統，係進行認證錢包相關資訊認證所成結算之 蓄積於【金融機構】之【集合管理帳戶】 連線至【逍遙卡認證結算系統主機 11(1) The settlement system of the (4) certificate wallet is the settlement of the authentication wallet related information authentication. The [collection management account] accumulated in [financial institution] is connected to the [Happy card authentication and settlement system host 11]