200929039 九、發明說明： 【發明所屬之技術領域】 同 的 αίΓΓ—種小額消費付款方法，其係特別關於-種應用於不 系及營社關’可賴電调Smartpay)_、額款項 付咸方法。 【先前技術】 本方法係採行晶片金融卡交易安全機制，由晶片卡與發卡金融 =互認證，採End T。End機制(發卡金融機構蚊卡片之密碼邏輯 Ο ί基碼長度），與交易連線成員（端末設備、代理銀行、轉接中心或結 算銀行）無關，交易資料傳輸過程中，即使有人在網路環節中盜錄^ 易資料、持卡者密碼，也無法觀偽卡或產製假可有效解 息在網路間傳遞被盜取之風險。 、 σ晶片金融卡作業，除運用晶片替代原先之磁條為載具外，其整體 架構係採元件化設計，仲介機構、金融機構、端末設備、卡片安全機 制等均視為-獨立可運作之個體，且各自負責其權責，所應檢核或執 行驗證之作業。 eCoin為「網路新台幣」、rVirtua|Cash」，其效力等同於新台幣 〇現金；結合虛擬世界與實體世界進行多元儲值管道整合，eCoin是玉 山銀行針對上網年輕族群設計的小額付款工具^其儲值及交易金額上 限為NT$1〇,〇〇〇元，可直接於銀行網頁輸入簡單資料即可加入會員， 透過各種制多元财細值’將纟f彳紅以下之任意金額存入 eC〇in帳號，即可在所有eCoin網路特約商店使用eC〇jn消費。（適用 於尚未擁有信用卡及金融卡之學生族群），eC〇jn已有超過30〇多家合 作廠商，累計已超過2〇萬名會員，平均單筆交易金額級距約為新台幣 100〜500元之間’儲值管道以現有銀行帳戶轉帳方式進行儲值，亦可 以信用卡紅利（自行)進行點數儲值。 再來介紹另一種電子錢包，如市面上常見之7_11發行之icash 5 200929039 卡。icash卡係台灣7-11自行發行，每張jCash卡最高儲存金額係新 台幣1萬元，且能於國内任一 7-11商店中進行消費，或於7-11商店 中進行icash卡。換言之，|cash卡僅能購買7-11商店中商品，丨 卡並不具備於網路上購買任一商品之能力。 其他尚有中油公司發行的捷利卡，中油公司將以往的加油票，改 為晶片儲值卡型之捷利卡，持卡者得以賴儲存的金油品或 中油公司所經營、提供的多角化商品，捷利卡的儲值方式，係於中油 公司加油站，或中油公司各地的服務據點繳交現金，由服務人員進 儲值。 τ Ο 〇 上述的種種電子錢包，皆屬非跨業消費的模式，玉山銀行所發 之eCOIN ’只能沖銷其同一銀行内之貨款，亦非跨行消費的模式。為 此’本發明提出-種朗於不同之前齡及營運彡關，可使 =錢(=artPay)進行小_費付款綠，使電子錢包之功能更為完 善’以改善上述缺失。 【發明内容】 消費主=各用電子錢(s，進行小額 =rr二：===: ==:或= 、貫體商店父易時，係使用商店端之P〇§端末 片讀卡機^m觸式)進行交易’於網際網路交易時，則以個人晶 纽=====W記名方式發行， 應用於不同之不同營運系統間使用，或 ㈣、非線上，:)::=== 6 200929039 方式，增加虛擬帳號金額，或經由消費、轉出、提取現金方 虛擬帳號金額。 飞$减 〇 本方法各作業項目，係套用現有銀行間資訊作業規格為原則 展全國性小額消費付款方法。就發卡金融機構而言，參加金融機構可 應用現有的纽設備或純(如:存款祕)加崎改提供持卡者 也可以另案開發專屬的發卡系統：就贿代理機構而言，i 國性繳費㈣之帳務代理、晶片金融卡消費扣款之收單作^ 一般企 代收業務相似’參加金融機構可以現有的資訊設備或系統(如:特店 ^委託單位管理系統)延伸服務，也可以另案發展專屬的收單作業系 持卡者於設備代賴構所佈紅實體/_商紐路， ^Online)消費(接觸式/非接觸式），交易訊息經由設備代理機構(收單 ^機構)，舰至料麵機概，雜請韻構料發卡金融機 f進仃扣入帳作業’消費帳款直接自持卡者所持『電子 ===) ’扣除轉人制商店指定之帳戶中。如非線上即時 丨ne) 4費(接觸式/非接觸式)時，將逕行直接自持 錢(SmartPay)』扣除消錄款。 賴符電子 择明ίΓΪ由具體實施例配合所_圖式詳加說明，#更容易瞭解本 發月之目的、技術内容、特點及其所達成之功效。 【實施方式】 商店之電调⑽叩咖細輔物、不纽特定特约 大眾一種更方便安全的支付工具。為能詳細說明 本發月之架構，請參照第一圖及第二圖。 F網=0^制『電子錢(—Μ)』，透聰_純50、網 店難峨犧爾接_代理機構. 早金雜構），與仲介機構30間係利用單-線路之網路架構連接，仲 7 200929039 介機構30透過單一線路之網路架構分別與發卡金融機構10、入帳金 融機構20。利用單一線路之網路架構能加強金融安全。 請參照第三圖，以下繼續說明本發明挺出之使用『電子錢 (SmartPay)』進行小額消費付款方法： ,首先進行步驟S10，本發明之一種使用『電子錢(SmartPay)』進 行小獅冑付款方法，係事先做—齡之功，由—發卡金融機構1〇 發行電子錢(SmartPay)』，該儲值卡係係包含晶片，可設計成接觸式 或非接觸式型(PIN或N〇NH_交易規格交㈣行時之p〇s或其 他端末設備，亦有接觸式及非接觸式種類。發卡金融機構於『電子錢 (SmartPay)』内之儲值金額，最高限定於—限定金額(新自帶1萬元）， 持卡者可依其需要進一步儲值其金額。 發卡金融機構10能合作一起發行電子錢(Smartpay)的對象相當 ^，包括發卡錄機構10與遊戲業者共行、發卡金賴構1〇盘 子校共同發行、發卡金融機構1〇與公司行號共同發行、發卡金融機構 特約態60(咖啡店、錄影帶店、網路店〉共同發行。值得注意的 事，此與先前技術中之卜CASH卡、捷利卡、eC|〇N並不相同，本發 錢(SmartPay)』並不受限於7·11商店、中油公司所屬服務 ◎，或加油站、eCION特約商店6〇特約商店6〇中使用。本發明之『電 I^SmartPay)』係能跨產業支付各種類型的商品，如美術館票、博 店中商品、網路上的商品、各類油品、量販店中的商品、 運系統之費用、於餐廳消費之費用或購買衣物、生活用品、家 j進行麵S2G，得使_取裝置讀取『電子錢(⑽ ΐΐΐΓ亦讀取裝置係可為一移動式或固定式之裝置，讀取裝置可 马謂卡機、商店p〇s、其他端末設備。 料傳2妨步驟S3〇，使用一網路將該持卡者消費商品之一交易資 设備代理機構4G，交易賴内包含交綠證碼，交易驗證 8 200929039 ， · 話㈣再舰至舰備伽賴4晰單金融機 _路與：：:=:_無線網路或 〇 該交易驗證碼之正雜，及儲值餘額是否 金額，以此判別該交易為進行或齡 w情細，難行倾跡如發卡金輯構 〇 ：2ΗΕΗ== 或勞務。當持卡者欲對電子=胃使传持卡者無捕置或消費商品 銀行、細t AiM=rrtPay)_w，刊用其網路 取得=述=發;^:_上_子。—鱗切於銀行 錢銀將發予持卡者一張『電子錢(Smartpay)』，如果『電 ^f martPay)』⑽金額難於新”彳萬元的話持 =額不足時’持卡者·_ ^ ；：現==^= 賴包括網路銀行)，將金錢轉帳於『電子錢(s_pay)』虛擬帳號内。 9 200929039 再來介紹另一種電子錢(SmartPay)，其與上述電子錢(SmartPay) 疋全相同’唯一不同點在，於電子錢(Smartpay)增設密碼加強安全性， 密碼使用時機在使用讀取裝置，讀取該電子錢(SmartPay)之安全密碼 時。持卡者需輸入至少一密碼，以與該安全密碼進行確認持卡者身分， 當密碼不符時即終止交易。 本發明之『電子錢(SmartPay)』可應用之營運模式： (一)網際網路/行動商務消費應用： 『電子錢(SmartPay)』之持卡者(年輕族群)可透過pc或行動裝置 (四手機、PDA)劉覽購物網頁或網拍消費支付價款(數位商品下載、或講 買實體商品、訂票業務），於設備代理之付費網頁（paypage)上輸入 消費金額及錢包帳號/密瑪資料即完成交易，冑家最新消費促銷及折扣 活動訊息或線上理財資訊可以結合行動裝置以簡訊方式或e_mai丨傳送 持卡者。200929039 IX. Inventories: [Technical field of invention] The same αίΓΓ-a small-scale consumer payment method, which is specially related to the application of the company’s business and social security, Smartpay) method. [Prior Art] This method adopts the security mechanism of wafer financial card transaction, which is determined by mutual authentication of wafer card and card issuing finance. End T is adopted. The End mechanism (the password logic of the card issuing financial institution's mosquito card) is independent of the transaction connection member (end device, proxy bank, transfer center or settlement bank). Even if someone is on the network during the transaction data transmission process. In the link, the information of the e-discovery, the password of the cardholder, and the falsification of the card or the production of the counterfeit can effectively relieve the risk of being stolen between the networks. σ wafer financial card operation, in addition to the use of wafers instead of the original magnetic strips for the vehicle, its overall structure is based on component design, intermediary agencies, financial institutions, terminal equipment, card security mechanisms, etc. are considered - independent and operational Individuals, each responsible for their own responsibilities, should be checked or perform verification operations. eCoin is "Internet NT", rVirtua|Cash, which is equivalent to NT$〇 cash; combined with virtual world and physical world for multi-valued storage pipeline integration, eCoin is a small payment tool designed by Yushan Bank for young people on the Internet^ The maximum value of the stored value and transaction amount is NT$1〇, 〇〇〇元, you can enter the member directly by entering simple information directly on the bank's website, and deposit any amount below 'f彳红 into eC through various systems. 〇in account, you can use eC〇jn in all eCoin network special stores. (Applicable to students who do not have credit card and financial card), eC〇jn has more than 30 cooperative partners, with more than 2 million members, and the average transaction amount is about NT$100~500. The value-added pipeline between the yuan is stored in the existing bank account transfer method, and the credit card bonus (self) can be used to store the value. Let me introduce another e-wallet, such as the isk 5 200929039 card released on the market 7_11. The icash card is issued by Taiwan 7-11. The maximum storage amount of each jCash card is NT$10,000, and it can be consumed in any 7-11 store in China, or icash card in 7-11 stores. In other words, the |cash card can only buy items from 7-11 stores, and the card does not have the ability to purchase any item on the web. Others have already issued the Jelly card issued by CNPC. CNPC changed the previous refueling ticket to the chip-type card type of Jelica, and the cardholders were able to rely on the stored gold oil products or the diversified products operated by CNPC. The storage method of Jielika is paid at the gas station of CNPC, or the service bases of various oil companies in the company, and the service personnel enter the stored value. τ Ο 〇 All of the above e-wallets are non-cross-border consumption models. The eCOIN ’ issued by Yushan Bank can only offset the payment in the same bank, nor is it a cross-bank consumption model. For the purpose of this invention, it is possible to make a small payment of green money and make the function of the electronic wallet more perfect to improve the above-mentioned deficiency. [Summary of the Invention] Consumers = each use of electronic money (s, for small = rr two: ===: ==: or =, the store is the father of the time, the use of the store side of the P § end of the card reader ^m touch) for trading 'when trading on the Internet, it is issued by personal crystal =====W, used in different operating systems, or (4), non-line, :):: === 6 200929039 Method, increase the virtual account amount, or through the consumption, transfer, and withdrawal of the cash virtual account amount. Flying $minus 〇 Each method of this method is based on the principle of existing interbank information operation, and the national micro-consumer payment method is introduced. As far as issuing financial institutions are concerned, participating financial institutions can apply existing New Zealand equipment or pure (such as: deposit secret) Kasashi change to provide cardholders can also develop a separate card issuance system: for bribery agencies, i nationality Payment (4) account agent, chip financial card consumption deduction of the receipt of the ^ general enterprise collection business similar 'participating financial institutions can be existing information equipment or systems (such as: special store ^ entrusted unit management system) extended service, also It is possible to develop a separate collection operation for the cardholders. The device is based on the device's red entity/_商纽路, ^Online) consumption (contact/contactless), and the transaction message is via the device agency (acquisition ^ Institutions), ship-to-material machine, miscellaneous, rhyme, material, financial card, f, deduction, debit, account, 'consumer account, direct self-sustained card holder's holding electronic===) 'Deducted account designated by the transfer system in. If you are not online, 4ne) 4 Fees (Contact/Non-Contact), you will deduct the amount of the self-holding (SmartPay). Lai Fu Electronics Selecting ΓΪ ΓΪ ΓΪ ΓΪ ΓΪ ΓΪ ΓΪ ΓΪ 具体 具体 具体 具体 具体 _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ [Embodiment] Store's ESC (10) 叩 细 细 、 、 、 、 、 特定 特定 特定 特定 特定 特定 特定 特定 特定 特定 特定 特定 特定 一种 一种 一种 一种 一种For a detailed description of the structure of this month, please refer to the first and second figures. F network = 0 ^ system "electronic money (- Μ)", through the _ pure 50, online shop is difficult to meet the _ agency. Early gold hybrid structure, and the agency through 30 departments using a single-line network Road architecture connection, Zhong 7 200929039 The agency 30 is connected to the financial institution 20 through the network structure of the single line and the issuing financial institution 10 respectively. Using a single-line network architecture can enhance financial security. Referring to the third figure, the following is a description of the method of using the "SmartPay" for the small-sum consumption payment method: First, step S10 is performed, and one of the inventions uses the "SmartPay" for the small lion. The payment method is done in advance, and the electronic card (SmartPay) is issued by the issuing card financial institution. The stored value card system includes a chip and can be designed as a contact or non-contact type (PIN or N〇). There are also contact and non-contact types of NH_transaction specifications (4), and the amount of stored value of the issuing financial institution in "SmartPay" is limited to - limit amount (The new one comes with 10,000 yuan), the cardholder can further store the amount according to his needs. The card issuing financial institution 10 can cooperate with the issue of the electronic money (Smartpay), which is equivalent to ^, including the card issuing institution 10 and the game industry The issuance of the card issuer, the 1st plate school, the issuance of the financial institution, the issuance of the financial institution, the co-issuance of the company’s bank number, and the issue of the financial institution’s special status 60 (coffee shop, video store, online store). This is not the same as the CASH card, Jielika, eC|〇N in the prior art, and the payment (SmartPay) is not limited to the 7·11 store, the service of the company, or the gas station, eCION. It is used in the store 6 〇 商店 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 The goods in the store, the cost of the transportation system, the cost of consumption in the restaurant, or the purchase of clothing, daily necessities, and home S2G, so that the device can read the electronic money ((10) ΐΐΐΓ also read the device can be a mobile Or fixed device, the reading device can be a card machine, a store p〇s, other end devices. The material transmission 2 steps S3〇, using a network to the cardholders of one of the consumer goods trading equipment Agency 4G, the transaction within the transaction contains the green certificate, transaction verification 8 200929039, · (4) re-ship to ship preparation gamma 4 clear single financial machine _ road with:::=: _ wireless network or 〇 the transaction verification The code is correct, and the balance of the stored value is used to determine the amount In order to carry out or age w, it is difficult to trace the obstacles such as issuing a card to compile: 2ΗΕΗ== or labor. When the cardholder wants to electronically = stomach to pass the card holder without capture or consumer goods bank, fine t AiM =rrtPay)_w, published with its network to get = say = send; ^: _ on the _ child. - Scale cut in the bank money and silver will be issued to the cardholders a "electronic money (Smartpay)", if "electric ^ f martPay) 』(10) The amount is difficult to be new. If the amount is less than 10,000 yuan, the cardholders _ ^ ; : now ==^= 赖 including online banking), transfer money to "electronic money (s_pay)" Within the virtual account number. 9 200929039 Let me introduce another kind of electronic money (SmartPay), which is the same as the above-mentioned electronic money (SmartPay). The only difference is that the password is added to the smart money to enhance the security. The password is used when the reading device is used. When reading the secure password of the electronic money (SmartPay). The cardholder needs to enter at least one password to confirm the cardholder's identity with the security password, and terminate the transaction when the password does not match. The operating mode of the "SmartPay" of the present invention can be applied: (1) Internet/Mobile Business Consumer Application: "SmartPay" cardholders (young ethnic groups) can use PC or mobile devices ( Four mobile phones, PDA) Liu Zhan shopping page or online auction payment price (digital goods download, or buy physical goods, booking business), enter the consumption amount and wallet account / Mi Ma on the payment page of the device agent (paypage) The information is completed, and the latest consumer promotion and discount activity information or online financial information can be transmitted to the cardholder in a short message or e_mai.
(二）『電子錢(SmartPay)』企業聯名卡應用： 金融機構可單獨或與企業聯名方式發行具可重覆儲值式之實體晶 片卡(如咖啡聯名卡或遊戲業者點數卡或影視丨租··.)，於簽約往來之實 體店面、聯名單位營業點u金融卡^smartpay^約商店 2壤境㈣；實體卡丨介面設計，可依不義雜行接觸式及非接 :式之交祕紐計’儲财式可於企料雜或崎特定通路進行 儲值，卡片規格採用晶片金融卡相關規格。 ㈢『電子錢(SmartPay)』禮物卡/紅包卡（G|FT_CARD)應用： 發行©定面棚，供持卡者婦定通路以現錢胃，亦可供持 定^購買用於贈送親友，或企業用於贈送員工年節搞賞或用 之圖案二推廣之用，GIFT_CARD版面，可採個人化或具流行時尚 计(如王建民棒球卡或春節或_節禮物卡…)，以吸引年輕及 c，除消費外亦可經由限量發行創造收藏價值製造 傳效果’消費場所可於SMART PAY特約商店進行消費，儲值方財 200929039 亦 於銀行特定通路進行儲值，卡片規格係採用晶片金融卡相關規格 可於ATM設備提領小額現金。 (四)遊戲點數卡： 實，晶片卡若域遊戲業者共同發行，亦可作為轉身份驗證之 用，玩家持『電子錢(SmartPay)』晶片卡插入讀卡機經由認證通過後 於線上遊戲交易或兒換寶物使用，卡#除提供玩家射 於SMARTPAY點他_商店進行消f，儲值枝可於銀行特^ 通路進行儲值。(2) "SmartPay" enterprise joint card application: Financial institutions can issue physical chip cards with reproducible value-added (such as coffee co-branded cards or game makers' credit cards or film and television) either alone or in a joint way with enterprises. Rent··.), in the physical store where the contract is signed, the joint business unit u financial card ^smartpay^ about store 2 soil (four); physical card interface design, can be based on unreasonable contact and non-contact: The secret stock meter 'storage type can be stored in the specific channel of the mixed materials or the Qiqi. The card specifications adopt the specifications of the wafer financial card. (3) "SmartPay" gift card / red envelope card (G|FT_CARD) application: Issued from the fixed booth, for the cardholders to set the path to the cash, also available for holding ^ for the gift of relatives, or The enterprise is used to give employees the promotion of the festival or the use of the pattern two. The GIFT_CARD layout can be personalized or fashioned (such as Wang Jianmin baseball card or Chinese New Year or _ festival gift card...) to attract young and c In addition to consumption, it can also create collection value through limited distribution. The production location can be consumed in the SMART PAY special store. The stored value of Fangcai 200929039 is also stored in the bank-specific path. The card specifications are based on the chip financial card specifications. Small cash can be withdrawn at ATM equipment. (4) Game point card: In fact, if the chip card is jointly issued by the domain game industry, it can also be used for identity verification. The player holds the "SmartPay" chip card and inserts the card reader into the card reader. The transaction or the use of the treasure for the use of the card, in addition to providing the player to shoot at SMARTPAY point _ store to eliminate f, the stored value branch can be stored in the bank special channel.
(五） 『電子錢(SmartPay)』旅遊觀光卡： 四於f觀光點或機場入境點供觀光客以現金購買或信用卡刷卡購 貝，購買定額重覆儲值式『電子錢(SmartPay)』實體錢包旅遊卡供於 境内美術館、博物館及大眾交通工具小額支付使用，省去國外觀光客 於境内旅遊時小額支付之煩瑣手續(但未來該錢包卡需與交通票証做 互通整合較有使用誘因）；卡片版面若為觀光促銷訴求（此部分可尋求 政府補助推動觀光資源），可置入各大風景版面供觀光客購買蒐集，可 搭配若集滿幾個卡片版面可兒換當地名產…。 (六) 校園卡應用： 可以規劃設計為校園發行使用，若法規允許亦可與學生註結合， 做為學生校内活動之紀錄識別載具及校内福利社校外小額消費付款， 使用上有別於目前信用擴張工具（信用卡或現金卡），可以養成學生良 好消費用錢觀念，並可與前項所述做為家長銀行帳戶撥轉儲值子女零 用金之便利管道’除校内消費可於校外SMART PAY特約商店或其他 地點。 、 (七) 拋棄式電子錢(SmartPay)應用： 電子錢之金額使用完畢，電子錢係無法以儲值管道儲值者，持卡 者可將電子錢(SmartPay)拋棄。 (八) 電子錢(SmartPay)贖回之應用： 11 200929039 ^當電子錢之金額使用後尚有餘額，持卡者可將電子錢(SmartPay) 交由發卡金融機構’發卡金融機構查驗餘額後，返還其餘額給持卡者， 以確保消費者之權益。 本發a月之使用電子錢(smartpay)進行小額、消費付款方法的實施方 式可分為網際網路作業、行動商務作業、實體商務作業。 (一)網際網路作業： 上述之網路商店的交易流程如下所示： 1.持卡者連上網際網路，於網路特約商店上選購商品。當持卡者按下(5) "SmartPay" tourism and sightseeing card: Four sightseeing spots or airport entry points for tourists to buy in cash or credit card to buy shells, purchase fixed-value re-stored "SmartPay" entity The wallet travel card is used for small payment in domestic art museums, museums and public transportation, which saves the cumbersome procedures for foreign tourists to make small payments during domestic travel (but in the future, the wallet card needs to be integrated with the transportation ticket to use incentives) If the card layout is for tourism promotion appeal (this part can seek government subsidies to promote tourism resources), it can be placed in major landscapes for tourists to purchase and collect, and can be used with a few card layouts for local famous products... (6) Campus Card Application: It can be planned and designed for campus distribution. If the regulations permit, it can also be combined with the student's note. It can be used as a record identification vehicle for students' activities in the school and a small-scale consumer payment outside the school. Credit expansion tools (credit card or cash card) can form a good concept of students' good consumption of money, and can be used as a convenient channel for the transfer of children's petty cash for parents' bank accounts as mentioned in the preceding paragraph. Store or other location. (7) SmartPay application: If the amount of electronic money is used, the electronic money cannot be stored in the stored value pipeline, and the cardholder can discard the electronic money (SmartPay). (8) Application of redemption of electronic money (SmartPay): 11 200929039 ^When the amount of electronic money is used, the cardholder can transfer the electronic money (SmartPay) to the issuing financial institution's issuing financial institution for checking the balance. Return the balance to the cardholder to ensure the consumer's rights. The implementation of the small-sum, consumer payment method using electronic money (smartpay) in the month of this issue can be divided into Internet operations, mobile business operations, and physical business operations. (1) Internetwork: The above-mentioned online store transaction process is as follows: 1. The cardholder connects to the Internet and purchases goods on the Internet special store. When the card holder presses
付放連結時，網路特約商店會將網頁串連至設備代理付款網頁(設備 代理機構之Web收單系統）。 2·如持卡者選擇讀卡金融賴不等概減賴構，設備代理將付 政訊息轉送仲介機構。 3. 仲介機敝賴伽機娜送之⑽指示，魏息觀至發卡金融 機構’發卡金_構錄核訊息合法性及正雜後， 費扣款。 丁 /月 4. 仲介機構紐卡金賴構扣贼功之訊息轉送人帳金融機構， 金融機構依訊息指示將款項轉入特約商店帳戶。 1卡金賴構辦行场交躲果，經㈣介機構贿設備代理機 6.設備代理機構則回覆前端持卡者交易結果。 持卡者透過網路特約商店難或接受服務，於付款時即連社至讯 頁，以『電子錢(S—y)』插入讀卡設備並輸: ，交易完成後，網站特店將會顯示交“ _息， 寄爾卡者即可線上立即㈣或事後由_特店以 者物送給持卡者。而消費款項則透過金融跨行系統從持卡 的—錢SmartPay)』即時扣款’當設備代理機構收到消費款後依 、，勺疋把款項存入特約商店之帳戶。 ^ 12 200929039 (二)行動商務作業： "持卡者持行動裝置(手機)於行動商務特約商店割漫，選定商品後於 2動裝置輸人『電子錢(SmartPay>』交易資料及密碼交易完成後， 路1^店會於行動裝置回覆交《完成n同時消費款項則透過金融 系統從持卡者『電子錢(SmartPay)』虛擬帳號即時扣款，設備代 =機，收到消費款後，依約定把款項存入該行動商務特約商店之帳備戶代 (一)實體商務作業： 持卡者至實體特約商店消費或接受服務時，於p〇s端 〇 錢(SmartPay)』（p丨隱圆），交易完成後，特約商 ㈣自料紀錄給持卡者留存。而料款侧透過仲介機構 構收錢(SmartPay)』虛雛號中即時扣款，當設備代理機 ，收i㈣輕，依蚊把款項存人該實體雜特_店之帳戶。 上述之實體商店的交易流程如下所示: 1·，卡者於設備代理機構特贿店P0S端插卡進行消費。 ^若係為跨行交易，資料經由賴代理機構傳送仲介機構。 3=金融機構接收交易訊息，經驗證卡片資料後進行扣帳。 .發卡金融機構則將扣帳完成訊息回傳仲介機構。 ❹5·7介機構將交衫成訊息伽設備代理機構。 6.交易完成訊息由設備代理機構傳送前端p〇s端持卡者。 上述提及之電子錢(SmartPay)之雛方式，包括下列幾種： 正卡係祕销顧立發狀^麵卡，副卡係只 ί 子;Tar?y) ’電子錢(Sma，内設有虛擬帳 卡與物之金==伽伽ΑΤΜ㈣™使正 2(=m切舰金至卿祕行_以現金對電子錢 3·利用其他金融機職號金繼過侧《eatm轉帳至電子錢 13 200929039 (SmartPay)» 特徵 内。 ^以上所述者，僅為本發明之較佳實施例而已，並非用來 發=實施之範®。_絲本拥述之雜、構造Η本 及精神所為之均等變化或修飾，均應包括於本發明之中請專利 【圖式簡單說明】 @ Ο 第一圖係本發明之實施架構圖。 第二圖係本發明之實施架構圖。 第二圖係本發明之實施流程圖。 【主要元件符號說明】 1〇發卡金融機構 20入帳金融機構 30仲介機構 40設備代理機構 50電信通話系統 60特約商店 70網際網路 ❹ 14When paying a link, the network-specific store will connect the web page to the device proxy payment page (the web agency of the device agency). 2. If the cardholder chooses to read the card, it will not be reduced. The equipment agent will transfer the political information to the agency. 3. The intermediary machine 敝 伽 伽 机 送 ( ( 10 10 ( ( ( ( 机 机 机 机 伽 伽 伽 伽 伽 伽 伽 伽 伽 伽 伽 伽 伽 伽 伽 伽 伽 伽 伽 伽 伽 伽 伽 伽 伽 伽 伽 伽Ding / Month 4. The intermediary agency Newcastle Lai's message to the deputy thief is transferred to the financial institution, and the financial institution transfers the money to the special store account according to the message. 1 card Jin Lai to set up the field to pay for hiding, through (4) agency bribery equipment agent 6. Equipment agency will reply to the front-end cardholders transaction results. Cardholders who are difficult or accepting services through the Internet special store will be connected to the card at the time of payment, insert the card reader device with "S-y" and lose: After the transaction is completed, the website store will Show the delivery of " _ interest, the card can be immediately (4) or afterwards by the _ special store to give the cardholders. And the payment is through the financial inter-bank system from the card - money SmartPay) immediately deducted 'When the equipment agency receives the payment, it will deposit the money into the account of the special store. ^ 12 200929039 (2) Mobile business operations: " Cardholders holding mobile devices (mobile phones) in the mobile business special store After the selection of the goods, after the selection of the goods, the "Electronic Money (SmartPay > " transaction data and password transaction is completed, the road 1 ^ store will reply to the mobile device "Complete n simultaneous consumption payments through the financial system from the card The "SmartPay" virtual account is deducted immediately, and the device is replaced by the machine. After receiving the payment, the money is deposited into the mobile business special store account by the agreement. (1) Entity business operation: Card holder To the physical store When accepting the service, at the p〇s end (SmartPay), after the transaction is completed, the special contractor (4) will keep the record for the cardholder, and the payment side will collect the money through the agency (SmartPay). ) Instant deduction in the virtual copy number, when the device agent, receive i (four) light, the mosquitoes deposit the money to the entity _ store account. The above-mentioned physical store transaction process is as follows: 1 ·, card In the equipment agency bribe shop P0S end card for consumption. ^ If it is an inter-bank transaction, the data is transmitted through the agency agency. 3 = Financial institutions receive transaction information, after debiting the card information. The institution will return the debit completion message to the agency. ❹5·7 The agency will be the operator of the message gamma equipment. 6. The transaction completion message is transmitted by the equipment agency to the front-end p〇s card holder. The method of electronic money (SmartPay) includes the following: The card is the secret sales Gu Lifa-like ^ face card, the secondary card is only ί子; Tar?y) 'Electronic money (Sma, there is a virtual account card and object Gold == gamma ΑΤΜ (four) TM makes positive 2 (=m cut the ship to gold Secret Secret _ Cash to electronic money 3 · Use other financial machine titles to follow the "eatm transfer to electronic money 13 200929039 (SmartPay)» feature. ^ The above is only the preferred implementation of the present invention For example, it is not used to send = the implementation of the Fan®. _Siben's miscellaneous, structural transcripts and spirits are equally changed or modified, and should be included in the invention. Please patent [simplified description] @ The first drawing is a schematic diagram of the implementation of the present invention. The second drawing is a schematic diagram of the implementation of the present invention. The second drawing is a flow chart of the implementation of the present invention. [Description of the main components] 1. The financial institution of the issuing card 20 is credited to the financial institution. 30 Agency 40 Equipment Agency 50 Telecommunications Call System 60 Special Store 70 Internet ❹ 14