587227 五、發明說明（1) 【發明所屬之技 本發明係^ 係透過/智慧卡 智慧卡透過網路 【先前技術】 按，一般金 帳、存款、匯款 之金融機構取得 力’其用戶需先 融I C卡上設置密 金融流通之餘匙 的金融機構相互 可在任何一家金 行金融交易。 k用卡以廣 店進行消費時之 之效果，使用者 該持卡公司訂定 商家可以與持卡 偽’再與持卡公 家向持卡公司索 卡人收取消費金 行為。 又 般信 術領域】 關於一種智慧卡消費付款之方法，本發明 進行消費付款，依持卡人於消費時利用一 與金融終端機進行持卡人之帳戶交易。 融1C卡只使用在櫃員機，進行金融上之轉 及查詢相關金融資訊，其必須事先於指定 相關授權，例如：開戶、存款及轉帳權 設立個人帳戶，且申請金融1C卡，並於金 碼，而該密碼係為持卡人與金融機構彼此 ，而該金融機構透過一仲介機構金 連接，如此達到金融互相流通，持卡t 融機構之櫃員機，進行於指定金融機構進 泛使用於現今之社會，其用於持卡人於商 付款之機制，而不必使用現金而達到便利 必須先於持卡公司申請一信用卡，商家與 契約，當持卡人於該商家進行消費時，^ Φ 公司進行連線，先行確認信用卡之資料真 司之連線主機進行記錄消費之金額，、而商 取持卡人之消費金額，而持卡公司再向持 額，如此以達到信用卡之進行消費之便利 用卡之消費方式’尸、需以簽名方式識別持 587227 進行刷卡 全上實有 對上述問 可改善信 具’it靠欠及 本發明人 及金融相 改良之意 題探討， 解決上述 ，就可 其於安 如何針 ，不僅 用途兼 盼望及 智慧卡 乃思及 計、專 良，可 ] 之主要目的，在 提供一智慧卡， 相關金融交易， 之次要目的，在於提供一種智慧 提供一智慧卡，其增加刷卡消費 進行持卡消費，免除攜帶現金及 之又 目的，在於提供一種智慧 提供一智慧卡，直接扣帳至自己 支，而負擔循環利息。 之又一目的，在於提供一種智慧 提供一智慧卡，於商家可節省手 消費，容易被不 重大的顧慮。 題而提出一種新 用卡使用安全性 消費之功能，長 念茲在茲者，而 關產品之研究、 念，窮其個人之 終於研究出一種 之問題。爰是 於提供一種智慧 可以--^多種用 五、發明說明（2) 卡人之身分 偷竊盜刷， 因此， 付款之方法 一卡多種之 使用者般切 多年從事於 實務經驗， 多方研究設 款之方法改 【發明内容 本發明 方法’其係 毒欠、轉帳及 行為。 本發明 方法，其係 一特定商家 便之處。 本發明 方法，其係 不怕消費超 本發明 方法，其係 肖人士盜錄及 穎智慧卡消費 之缺點’又可 久以來一直是 本發明人基於 開發、及銷售 專業知識，經 智慧卡消費付 卡消費付款之 途，可用於提 且可以進行於商家進行消費之 卡消費付款之 之便利性，於 構物找零之不 卡消費付款之 之帳戶，因此 卡消費付款之 續費之成本。587227 V. Description of the invention (1) [The technology to which the invention belongs The invention is ^ is through the / smart card smart card through the network [prior art] Press, the general financial account, deposit, remittance of financial institutions to obtain power 'its users need to first Financial institutions with more than one key of confidential financial circulation on the IC card can conduct financial transactions with any gold bank. k The effect of using a card to make purchases in a retail store, the user, the card company, stipulates that the merchant can and the card holder's, then, and the card company charge the cardholder's cardholder for consumption money. Another general field of the invention] With regard to a method of smart card consumption payment, the present invention performs consumption payment according to the cardholder's use of a financial terminal to conduct cardholder account transactions during consumption. The 1C card is only used in ATMs to perform financial transfers and query related financial information. It must be established in advance with designated relevant authorizations, such as: setting up a personal account with the right to open an account, deposit, and transfer. The cipher is that the cardholder and the financial institution are connected to each other, and the financial institution is connected through an intermediary institution, so that the financial circulation is achieved, and the card teller of the financial institution is used in the designated financial institution to be widely used in today's society. , Which is a mechanism for cardholders to make payments to businesses without having to use cash to achieve convenience. They must first apply for a credit card, merchant, and contract before the cardholder company. When the cardholder makes a purchase at the merchant, ^ Φ company connects Online, first confirm the credit card information. The company ’s connected host records the amount of consumption, and the merchant obtains the cardholder ’s consumption amount, and the card company then holds the amount, so as to achieve the convenience of the credit card. Consumption method 'corpse, need to be identified by signature method, holding 587227 to swipe the card, all the above questions can improve the letter'it owe and The present inventors and the improvement of the financial phase explore the meaning, to solve the above, how can it be used in security, not only the purpose and hope, and the smart card is the main purpose of the plan, expertise, can], to provide a smart card, The secondary purpose of related financial transactions is to provide a smart provision of a smart card, which increases the consumption of credit cards for card consumption, avoids the need to carry cash, and the other purpose is to provide a smart provision of a smart card, which is directly debited to its own account. And bear the recurring interest. Another purpose is to provide a kind of wisdom to provide a smart card, which can save the consumer's consumption at the merchant, and it is easy to be considered as a minor concern. A new function of using cards for security and consumption is proposed, and people who have long been thinking about it are concerned about product research and thinking, but they have finally developed a kind of problem.爰 It is to provide a kind of wisdom that can be used in various ways. ^ V. Invention Description (2) The identity of the card owner is stolen and stolen. Therefore, a user with multiple methods of payment has been engaged in practical experience for many years. The method is changed. [Summary of the invention The method of the invention 'is a debt, transfer and behavior. The method of the present invention is a convenience of a specific merchant. The method of the present invention is not afraid of spending more than the method of the present invention, and it is the shortcoming of stealing and smart card consumption by Xiao people. It has been a long time that the inventor has paid for the card through smart card consumption based on development and sales expertise The consumption payment process can be used to facilitate the convenience of card consumption payment at merchants, and to account for non-card consumption payments in the structure change, so the cost of card consumption payment renewal.
第5頁 587227 五、發明說明（3) 本發明之又一目的，在於提供一種智慧卡消費付款之 方法，其係提供一智慧卡，提供一交易以密碼為識別身份 之方式，可防止盜刷。 本發明係結合金融IC卡及信用卡之功能，一般金融I c 卡係開立於金融機構，有申請一使用帳戶及一密碼，該持 卡人可依金融I c卡於櫃員機内進行金融交易，該金融交易 甚至可以使用於非當初申請之原金融機構，只要原金融機 構有透過仲介機構取得授權，即可在任一於仲介機構有授 權之任一金融機構進行金融交易，此提供一極大之便利性 二並由於此需一鑰匙才可進行金融交易，此增加了其安全 ’而该鑰匙係為持卡人所設定。 於攜Ϊ = ί便利性在於消費時不需攜帶大量之現金，免 的盜刷集團，利用持卡人屈彳女全性部不南，日益倡獗 資訊，谁制 、 刷卡時以磁卡機讀取信用卡相關 機構之不白損《，因1_^卡t! 造成持卡人及持卡 容易模仿，不易發覺辨，此極為 :家進行消費時1家係向4::;。且當持卡人像 費金額，是故商家不需負擔 為構收取虽時持卡人之消 ，風險，戶斤以持卡機構係向。商土於刷卡後無法負擔繳費 豕勢必加價至消費者，如此接收取固定之手續費，而商 其價格。 f卡之消費群無形中又增加了 s本發明將金融1C卡與消 嘁機構進行金融金易，並於商6功能結合，不僅可以於金 、商豕進行消費時，可作為付費 587227 五、發明說明（4) =用且=::一：多用，且由於智慧卡具有較高之安 【實施“r碼之使用更無使用上之安全顧慮。 一 審查委員對本發明之結構特徵及所達成之 暸解與認識，謹佐以較佳之實施例及配 口评細之况明，說明如後： 步驟1 0 0 步驟200 步驟300 步驟400 步驟500 步驟600 产程ί參f ί1圖’其係為本發明之一較佳實施例之步驟 爪私圖，如圖所不，其步驟至少係包含有： 讀取智慧卡相關資訊，使用讀卡機 内之相關資訊； " 構相連接’商家之終端機與仲 進行連線； 與金融機構相連接，該仲介機構利用智慧卡内 開戶銀行相關資訊，與指定金融機構連接； 判斷帳戶及輸入之密碼，判讀智慧卡内之内存 帳戶與輸入密碼之正確性； 輸入消費金額，商家之終端機輸入持卡人 費金額；及 / 進行扣款，透過連線於金融機構該持卡人 戶，進行扣款。 又 其中該智慧卡係可為目前所使用之金融Ic卡， 慧卡之内存資料係為持卡人之帳戶代碼及金融機構相：： :，而商家之終端機係可為一個人電[可透過 或LO與仲介機構相連#，而該商家必須事先 據機Page 5 587227 V. Description of the invention (3) Another object of the present invention is to provide a method for smart card consumption payment, which is to provide a smart card and provide a method of identifying transactions with a password as a way to prevent fraud. . The present invention combines the functions of a financial IC card and a credit card. A general financial Ic card is opened in a financial institution. There is an application for an account and a password. The cardholder can perform financial transactions in the teller machine according to the financial Ic card. This financial transaction can even be used in the original financial institution that was not originally applied. As long as the original financial institution has obtained authorization through an intermediary institution, it can conduct financial transactions at any financial institution authorized by the intermediary institution, which provides a great convenience Second, because a key is required for financial transactions, this increases its security ', and the key is set by the cardholder. Yu Carrying Ϊ Convenience lies in the fact that it does not need to carry a lot of cash when spending, and the free stolen group uses cardholders to conquer women's general departments, and increasingly advocates information. Who makes the card and reads it with a magnetic card machine Take the credit card related institutions without damaging ", because 1_ ^ card t! Cardholders and cardholders are easy to imitate, not easy to detect, this is extremely: when the family spends 1 family to 4 ::;. And when the cardholder's image fee amount, the merchant does not need to bear the burden of the cardholder's consumption, and the risk, the households should be directed to the cardholder institution. Shangtu can't afford to pay the fee after swiping the card. It will inevitably increase the price to consumers, so it will receive a fixed fee, and the price will be the same. The consumption group of the f card is virtually added. The present invention integrates the financial 1C card with the consumer institution for financial gold exchange, and combines the functions of the merchant 6, which can be used as a payment 587227 not only for consumption by the merchant or merchant. Explanation of the invention (4) = use and = :: one: multi-use, and because the smart card has higher security [implementation of "r code use, there are no security concerns about use." A review committee on the structural features of the invention and the achievement Understanding and understanding, I would like to explain the details of the preferred embodiment and the detailed evaluation, as follows: Step 1 0 0 Step 200 Step 300 Step 400 Step 500 Step 600 Production process A private map of the steps of a preferred embodiment of the invention, as shown in the figure, the steps at least include: reading the relevant information of the smart card, using the relevant information in the card reader; " Constructing a terminal connected to the 'merchant' Connect with Zhong; Connect with a financial institution; the agency uses information about the bank in the smart card to connect with the designated financial institution; judge the account and the password entered, and judge the memory account and output in the smart card. The correctness of the password is entered; the amount of consumption is entered, the terminal of the merchant enters the amount of cardholder fees; and // debits are made by connecting to the cardholder account of the financial institution for debits. For the current financial Ic card, the memory data of HC card is the account code of the cardholder and the phase of the financial institution ::, and the terminal of the merchant can be a person's electricity [can be connected to the intermediary agency through or LO # , And the business must be informed in advance
第7頁 587227 ———«—. 五、發明說明（5) :传契約上的合作，以進行 與複數個商家相互連接，—方便持=作，故仲介機構係 家進行消費及使用，而該仲介機構係契約之商 機構可節省網路連接設備之費^雜^之網路，使得金融 慧卡之開戶銀行之ΐ; 介機構係利用智 仲介機構係為-如同SWITCH之:力能：：：相連接’該 :確該金融機構係判斷持卡人之帳號“；Ϊϊί”； 正確，而該密碼係為持卡人於連線成 1之二碼疋否 ίίί:人帳戶時於商家終端機之機屆時輸二以Page 7 587227 ——— «—. V. Description of the invention (5): Cooperating on contracts to connect with a plurality of businesses,-convenient to hold = work, so the agency agency family consumes and uses, and The intermediary agency is a contractual commercial institution that can save the cost of network connection equipment. The Internet makes the bank of the financial smart card the bank; the intermediary agency uses the intelligent intermediary agency system as-SWITCH: Li Neng: :: Connected 'This: Make sure that the financial institution judges the cardholder's account number "; Ϊϊί"; Correct, and that the password is the cardholder's connection to a 1 two-digit code? No? The terminal machine will lose two
= = = = 商家之終端機輸入消A 端機列印出消費之行為。 ，仃為，並於商家終 請參閱第2圖，其係為本發明鲈 示意圖，·如圖所示，當持卡人V至之商 人持智慧卡10至商家終端機之讀卡機，而透過網 仲介機構3G，該仲介機構3G再與金融 連 = 以J到利用智慧卡即可消費’二 線之任-商家進行消費，= 商家之終端機與仲介機構相連接或仲介機構丄：槿3 接’其彼此接之訊息傳遞都有使用u ’ 之間之安全性。 山q万式以保濩相互 587227 明(6) 綜上所达 法，本發明係 費時利用/智 戶交易。故本 利用者，應符 疫依法出發 為禱。 惟以上所 非用來限定本 圍所述之形狀 ，均應包括於 【圖號簡單％ :。持卡人 2()商家 3 0 伸八 40 1"機構 金融機構 ，本發明係有 透過一智慧卡 慧卡透過網路 發明貫為一具 合我國專利法 明專利申請， 述者， 發明實 、構造 本發明 明】 僅為本 施之範 、特徵 之申請 關於一種智 進行消費付 與金融終蠕 有新穎性、 所規定之專 祈鈞局早 發明之一車交 圍’舉凡依 及精神所為 專利範圍内 ，卡消費付款之方 依持卡人於消 機進行持卡人之帳 進步性及可供產業 利申請要件無疑， 曰賜准專利，至感 佳實施例而已，並 本發明申請專利範 之均等變化與修飾 587227 圖式簡單說明 第1圖：其係為本發明之一較佳實施例之步驟流程圖； 第2圖：其係為本發明之一較佳實施例之實施示意圖。 第10頁= = = = The merchant's terminal enters the consumer terminal A to print out the behavior of consumption. Please refer to Figure 2 at the end of the merchant, which is a schematic diagram of the invention. As shown in the figure, when the cardholder V to the merchant holds the smart card 10 to the card reader of the merchant terminal, and Through the network intermediary agency 3G, the intermediary agency 3G is then connected with the financial service = J to use the smart card to consume 'second-line duty-merchants to spend, = the merchant's terminal is connected to the intermediary agency or intermediary agency 丄: hibiscus 3 The connection between the messages that they use to communicate with each other uses u for security. The Shanqwan style is based on the mutual guarantee 587227 Ming (6) In summary, the present invention is a time-consuming use / smart account transaction. Therefore, the users should pray in accordance with the law in accordance with the epidemic. But the above is not used to limit the shape described in this area, should be included in [Figure number simple% :. Cardholder 2 () Merchant 3 0 Yanba 40 1 " Institutional financial institution, the present invention has been invented through a smart card and smart card through the Internet and has been a patent application in accordance with China's patent law. The present invention is only an application of the scope and features of this application. An intelligent invention of consumer payment and financial endeavours is novel, and one of the earliest inventions prescribed by the special praying bureau is provided. The scope of the patent is based on the spirit of the law. Here, the party who pays for card consumption will be able to apply for the cardholder ’s account in the consumer ’s account and the progress of the card holder ’s accountability and industrial application requirements. No doubt, the granting of a quasi-patent is only a good example, and the patent application for the present invention is equal. Changes and modifications 587227 The diagram is briefly explained. Figure 1: It is a flowchart of the steps of a preferred embodiment of the present invention; Figure 2: It is a schematic diagram of the implementation of a preferred embodiment of the present invention. Page 10