200901064 九、發明說明： 【發明所屬之技術領域】 本發明係為一種數位貨幣管理系統及其管理方法，特別 是關於一種使用者於福利管理模組儲存福利金額度，並取得 一數位貨幣於一商店進行交易行為，以及福利金的兒換動 作之技術領域。 【先前技術】 目前，有許多組織設有員工或會員福利金的制度， 其福利金來自組織提供資金，或加上自員工薪資中扣除 固定比例之金額，或加上員工或會員定期或不定期提撥 之金額，並設立福利金管理組織以管理福利金的運用。 隨著網際網路曰漸普及，許多組織會透過網路架設一個 平台，以提供員工或是會員上網連結消費網站之使用行 為，並提供具有合作關係之企業或商店之商品資訊及促 銷活動，而員工或是會員享有優惠福利。 然而，員工或會員除利用福利金於網站進行消費抵 扣外，若欲至商店消費就必須提供證件或組織所提供之 禮券或優惠券才能享有優惠福利，而福利金之運用也有 限。若能由員工或會員視需求而增加福利金之儲存額度 及結合數位貨幣之運用，就能提供員工或會員更完善的福 利服務及福利金運用之便利性。 因此，本發明人基於諸多實務經驗及專題探討，遂於本 發明提出一種數位貨幣管理系統及其管理方法，以作為上述 期望的實現方式與依據。 200901064 【發明内容】 有鑑於此，本發明之目的係提供一種數位貨幣管理 系統及其管理方法，藉由此運用方式令員工或會員視需求 增加福利金運用管道，致使能至商店消費且依據數位貨幣上 之價值進行抵扣，以提高實用便利性。 緣是，為達上述目的，依本發明之數位貨幣管理系 統，其包含至少一數位貨幣以及福利管理模組。其中， 每一數位貨幣分別具有一儲存價值，且提供組織員工或 會員至商店進行消費。福利管理模組包含有至少一個福利 金額度及一儲值區，並可提供數位貨幣予員工或會員。儲 值區係紀錄組織員工或會員儲存一消費福利金，且每一數 位貨幣包含福利管理模組内其中之一福利金額度所對應 的價值，商店係依據員工或會員之一消費價值額度以進 行數位貨幣之價值扣抵作業，並向福利管理模組進行兒換 動作。 此外，本發明更提出一種數位貨幣管理系統，其包含 一手持裝置及一福利管理組織。手持裝置包含一感應晶 片並具有一消費價值，且提供一員工或會員至至少一商 店進行消費，商店包含一感應裝置及一電腦，感應裝置 以接收感應晶片所儲存之消費價值，並藉由電腦透過一 網際網路或一無線網路電信系統以連結至一服務業者 進行員工或會員所消費額度的兒換動作。福利管理組織 包括有至少一個福利價值及一儲值額度，每一感應晶片 之消費價值分別對應其中之一福利價值。其中，服務業者 200901064 依據員工或會員於商店進行消費之一消費價值，並向 福利管理組織進行消費價值之兒換。 兹為使貴審查委員對本發明之技術特徵及所達成之 功效有更進一步之瞭解與認識，下文謹提供較佳之實施例及 相關圖式以為辅佐之用，並以詳細之說明文字配合說明如 後0 【實施方式】 ㈣ί下將參照相關®式’說明依本發明難實施例之數位 二理祕及其管理方法，其巾姻的元件將以相同的參 照付號加以說明。 之方ί參=1圖其係為本發明之數位貨幣管理系統 不忍圖。數位貨幣管理系統提供至少-組織員工 2貝m店進行消費，且形成有-消費=， 二福利幣了理系統包含至少-數位貨幣11以及 -儲存*中，每一數位貨f 11分別具有 管理模 祸利管理模組12之福利金、^ 儲值區122。 如，獎金、慰問金、彈性Λ由^^存價值，例 旅遊輔助金或從員工的兹次二心難救助金、補助金、 為福利金，或由員工或會貝—中扣除固定比例之金額作 為福利金等。福利金"J2 疋功或不定期提撥之金額作 或會員13運用，例如，之部^分或全部額度可提供員工 員工或會員13上網連接於福利 7 200901064 丄理二：組之商店網站消費以抵扣福利金額度等。當福 利金額度不夠時，福利管理模組12 二 供員工或會員u儲存一消費福利金之二紅員= ㈣需求增加福利價值，以享有員工或1會員貝 以了式。福利管理模組12提供數位貨，u予員= ίί貝=數位貨擎11包含福利管理模組12内复中 之一褐利金額度121所對應的價 ς 員工或會員13之-消費價 兒換動作。之價值扣抵’並向福利管理模組12進行 -點=，數=11較佳是為一儲值卡、-預付卡或 用卡、二名一 ΐ祇t 金卡、—簽帳卡、一認同卡、-信 含二：ΪΓ:電子裝置等。數位貨帶管理系統可包 服裝置、認證模組、交易模組及-儲值卡管理； 二：服裝ί係紀錄複數筆員工或會員資料並儲存-福 站。認證模組係依據員工或會員’H商店、，周 認證資料予商店網站。交易 ς本貝料以提供一 = 2;:完成員工或會員13在商店網站之交 模組具有-儲值單元及-福利金， 利全的：把：組係依據交易行為完成-員工或會員之福 f:之最大值為該員:心=== 值’亦或’扣除員工或會員1增存㈣值單元之福= 200901064 價值。 實施-2二，其為本發明之數位貨幣管理系統之 數位貨幣管理系統2包含 服裝置22、—認證模組23、一交县 杈組24、儲值卡管理模組25及至又易 其十，飼服裝置22係紀錄複數筆員工^ 如，姓名、性別、地址、^筆工\ \會_^料221(例 存-福利網胃222 “提供至少一員工或會員“上)$ 站27進行消費，認證模組”係依據員工 以=二產生一認證資訊231並傳送至商店； 27父易模組24係依據認證資訊2 所遞送龍完成貞卫_ 26在商錢站ms :公;儲組25具有一福利金251及-儲值單 =理模組25係依據 或會員26之福利金的扣抵動作，以扣除員工或會％ 褐利金之最大值為上限，例如，複數筆福利金⑸ :Π提供員工或會員2 6運用(例如’獎金、旅遊輔助 ί二亦值或261扣除貝工或會員26儲值於儲值翠元- 、再者，儲值卡管理系統2依據員工或會員26儲存 一褐利價值261 ’並提供一儲值卡片21予員工或會員 26，且儲值卡片21包含儲值卡管理模組25内其中之二 褐利金251之額度所對應的價值（例如，慰問金、彈性福 利金、急難救助金、補助金、獎金、旅㈣助金）以及儲 值單元252之福利價值261等。當員工或會員％持儲 200901064 卡^ 21於一商店28消費時，商店28係依據員工或 =貝26之一消費額度281以進行儲值卡片21上之儲 貝值211扣抵’並向儲值卡管理系統2進行兒換動作。 路之員工或會員26可藉由-電腦或-可連接網 勒雷二攜式電子裝置，如—筆記型電腦、—PDA或-行 =二f透過一網際網路或一無線網路電信系統以連 頁22; Γ:ϋ7。當組織員工或會員％欲利用福利網 ^ 2上顧接至商店網站27做線上交㈣， „模組23對員卫或會員基本資料221與一識^ 亩斤號及密碼等)之驗證，才能透過伺服裝置 心連結至商店網站27。 衣直 叙你此外’儲ΐ卡管理模組25依據交易行為進行扣抵 次气之卡管理模組25可依據員工或會員26福利金 紀錄以判斷員工或會員26之福利金是否足 父易價值，當額度不足時，得由員工或會員26 ϊ 值261以補足差額，亦或，員工或會員% 差^擇以㈣扣款、制卡付款或其他方式補足價值 例如此; 卜貨t織需先Ϊ其他可提供買賣交易之商家， 議，並由可i二y，就雙方之條件達成協 質商店28,使員===店：站27或實 理握細々、-…八會員進易，並於儲值卡管 中扣抵 1與儲值卡片21内之儲存價值211 l閱第3圖’其為本發明之數位貨幣管理系統之 200901064 例^示=°时，數位貨幣管理_ W 手持裝置31、—感應裝置32、一 -服務業者35及—福利管理組織34、 31包含-感應晶片並具有—消費價值，且員= 會員持手持裝置31至至少一商店34進行消費員工或 包含-感應裝置32及一電腦33,當員工或會 店34消費時，員卫或會員可使用手持裝置^ 2 置32上，感應裝置32以接收手持農置3残應: ==值，且依據員工或會員之-消 =持4置31上之儲存價值扣抵動作，並透過電腦 、/網際網路或一無線網路電信系統331以連結至一200901064 IX. Description of the Invention: [Technical Field] The present invention relates to a digital currency management system and a management method thereof, and more particularly to a user storing a welfare amount in a welfare management module and obtaining a digital currency in one The store conducts trading behaviors, as well as the technical field of welfare changes. [Prior Art] At present, there are many organizations that have employee or member benefits, and their benefits come from the organization's funding, or a fixed percentage of the employee's salary, or the employee or member is regularly or irregularly. The amount of money raised and the establishment of a welfare management organization to manage the use of benefits. With the increasing popularity of the Internet, many organizations will set up a platform through the Internet to provide employees or members with online access to consumer websites, and provide product information and promotions for companies or stores with partnerships. Employees or members enjoy preferential benefits. However, employees or members who use the benefits to make a purchase deduction on the website must provide a certificate or a coupon or coupon provided by the organization in order to enjoy the benefits, and the use of the benefits is limited. If employees or members can increase the amount of welfare deposits and use digital currency in combination with their needs, they can provide employees and members with better convenience services and the convenience of using the benefits. Therefore, the inventors have based on a number of practical experiences and special topics, and the present invention proposes a digital currency management system and its management method as the above-mentioned desired implementation and basis. In view of the above, the object of the present invention is to provide a digital currency management system and a management method thereof, by which an employee or a member can increase the use of benefits according to the demand, thereby enabling the store to consume and according to the number of digits. The value of money is deducted to improve practical convenience. Accordingly, for the above purposes, the digital currency management system according to the present invention includes at least one digit currency and a benefit management module. Each of the digits has a stored value and provides an organization employee or member to the store for consumption. The benefits management module includes at least one benefit amount and a stored value area, and can provide digital currency to employees or members. The stored value area records that the employee or member stores a consumption benefit, and each digit of currency contains the value corresponding to one of the welfare amount in the welfare management module. The store is based on the consumption value of one of the employees or members. The value of the digital currency is deducted from the operation and the child management function is changed. Further, the present invention further provides a digital currency management system including a handheld device and a welfare management organization. The handheld device includes a sensor chip and has a consumer value, and provides an employee or member to at least one store for consumption. The store includes a sensing device and a computer, and the sensing device receives the consumption value stored in the sensor chip, and the computer Through a network or a wireless network telecommunications system to connect to a service provider for employee or member spending. The welfare management organization includes at least one welfare value and a stored value, and the consumption value of each sensor chip corresponds to one of the welfare values. Among them, the service provider 200901064 converts one of the consumption values according to the employee or member in the store, and exchanges the value of the consumption with the welfare management organization. In order to provide a better understanding and understanding of the technical features and the efficacies of the present invention, the preferred embodiments and related drawings are provided for the purpose of assistance, and the detailed descriptions are followed by a description. 0 [Embodiment] (4) The digital second principle and its management method according to the difficult embodiment of the present invention will be described with reference to the relevant "formula", and the components of the marriage will be described with the same reference numerals. The party ί =1 is the digital currency management system of the invention. The digital currency management system provides at least - the organization of employees 2 stores to consume, and the formation of - consumption =, the two welfare currency system contains at least - digital currency 11 and - storage *, each number of goods f 11 respectively managed The benefit of the module 12, the stored value area 122. For example, bonuses, condolences, and flexibility are determined by the value of the ^^, such as the travel assistance fund or the employee’s second-hearted help, subsidy, welfare, or a fixed percentage of the employee or club. The amount is used as a welfare fund. Benefits "J2 疋 或 or the amount of the stipend or the use of the member 13, for example, the department or the total amount can provide employees or members 13 Internet access to the benefits 7 200901064 丄理二: group store website Consumption is deducted from the amount of benefits, etc. When the amount of the welfare is not enough, the welfare management module 12 provides the employee or member u to store a second member of the consumption benefit = (4) the demand increases the value of the welfare to enjoy the employee or 1 member. The welfare management module 12 provides a number of goods, and the employee 9 = ίί贝 = the digital engine 11 includes the price corresponding to one of the profit management modules 12 of the brown profit amount 121 Employee or member 13 - consumption price Change the action. The value is deducted from 'and is made to the welfare management module 12-point=, the number=11 is preferably a stored value card, a prepaid card or a card, two ones only a gold card, a charge card, one Approval card, - letter contains two: ΪΓ: electronic devices. The digital cargo management system can include the device, the authentication module, the transaction module and the stored value card management. Secondly, the clothing ί records multiple employees or member information and stores it - Fu Station. The certification module is based on the employee's or member's 'H Store', and the weekly certification information is sent to the store website. Trading ς本贝料 to provide a = 2;: Completion of the employee or member 13 at the store website has a module - stored value unit and - welfare, full:: group is completed according to the transaction behavior - employees or members The blessing f: the maximum value for the member: heart === value 'or or 'deducted employee or member 1 added (four) value unit of the blessing = 200901064 value. Implementation-2-2, which is the digital currency management system of the digital currency management system of the present invention 2 includes a service device 22, an authentication module 23, a Jiaoxian group 24, a stored value card management module 25, and , feeding device 22 records multiple employees ^, name, gender, address, ^ pen work \ \ will _ ^ 221 (example - welfare network stomach 222 "provide at least one employee or member "on) $ station 27 For consumption, the certification module is based on the employee to generate a certification information 231 and transmitted to the store according to the second; 27 the father module 24 is based on the certification information 2 delivered by the dragon to complete the defense _ 26 in the business money station ms: public; The storage group 25 has a benefit 251 and a stored value list = the rational module 25 is based on the deduction of the benefit of the member 26, and the maximum value of the employee or the % brown profit is deducted, for example, a plurality of pens Benefits (5): Π Provide employees or members 2 6 (for example, 'Bonus, Travel Assist 二 2 is worth or 261 deducted Beacon or Member 26 stored value in stored value Cuiyuan - and then, stored value card management system 2 basis The employee or member 26 stores a brown value of 261 'and provides a stored value card 21 to the employee or member 26 And the stored value card 21 includes the value corresponding to the amount of the two brown gold 251 in the stored value card management module 25 (for example, condolences, flexible benefits, emergency assistance, subsidies, bonuses, travel (4) assistance Gold) and the value of the stored value unit 252 261, etc. When the employee or member % holds the 200901064 card ^ 21 in a store 28, the store 28 is based on the employee or = one of the 26 consumption quota 281 for the stored value card The storage value of 211 on the 21st deducts 'and changes to the stored value card management system 2. The employee or member of the road 26 can connect to the network of Le Lei two portable electronic devices, such as - notes Computer, PDA or - line = two f through an Internet or a wireless network telecommunications system to link 22; Γ: ϋ 7. When the organization staff or members want to use the welfare network ^ 2 to connect to the store website 27 to do online (4), „module 23 pairs of guards or member basic information 221 and a knowledge of ^ acres and passwords, etc.) verification, in order to connect to the store website 27 through the heart of the server. In addition, the card management module 25 can be deducted according to the transaction behavior. The card management module 25 can determine whether the employee or member 26 benefit is sufficient for the employee based on the employee or member 26 benefit record. When the amount is insufficient, the employee or member 26 may be worth 261 to make up the difference, or the employee or member may have a difference of (4) deduction, card payment or other means to make up the value, for example; First, other businesses that can provide trading transactions, and can be reached by two y, the agreement between the two parties to reach the agreement store 28, the ambassador === shop: station 27 or the actual grasp of the 々, - ... eight members into the easy And in the stored value card tube deducted 1 and the stored value in the stored value card 21 211 l read Figure 3 'is the digital currency management system of the invention 200901064 example = ° °, digital currency management _ W The handheld device 31, the sensing device 32, the one-service provider 35 and the welfare management organization 34, 31 comprise-sensing chips and have - consumption value, and the member = member holding the handheld device 31 to at least one store 34 for consuming employees or including - Induction device 32 and a computer 33, when the employee may 34 When consuming, the guard or member can use the handheld device 2 to set up 32, the sensing device 32 to receive the handheld farm 3 residual: == value, and according to the employee or member - eliminate = hold 4 on 31 storage Value deductive action and link to one via computer, / internet or a wireless network telecommunications system 331
St二進行員工或會員所消費額度的兒換動作。 =利/理組織36包括有至少—個福·值及儲值額 :母感應阳片之消費價值分別對應福利管理組織36 ^之二福利價值。服務業者35依據員玉或會員於商 /占、.4進行〆肖費之一消費額度’並向福利管理組織36進 =凊費=值之兒換。福利管理組織36依據員工或會員 細利金資訊之相關紀錄以判斷員工或會員之福利金是 否，夠支付予商店34所消費額度，當額度不足時，得 由員工或會員儲存福利金於福利管理組織36之儲值區 内’並，據儲值區之儲存價值以補m亦或，由員 工或會員薪資扣款或其他方式補足價值差額。 此^ ’各組織需先與服務業者達成協議，並與其他 口提供買賣交易之商店，例如：百貨公司、大賣場或書 11 200901064 商店進行消識費 '員工或會員得以藉由商店網站或實質 福利金額Hr利管理I織36之員工或會員之 最大值為員工；：：所應支付之消費額度，其可扣除之 員工或會員缴納匕=:費費=通知員工或會員’由 此外’感應裝置32可fct人& $ 腦μ之腦33中，並透過電 至一服務業者35進行員jrtH系統331以連結 作。 貝或會貝所消費額度的兒換動 管理Ϊ ’其係本發明所揭露之-種數位貨幣 g理糸統之管理方法流程圖，其包含以下步驟：^ 步驟S40 .提供至少一數眢軟 数位^幣11，每一數位貨幣 分別具有一儲存價值111 ; 步驟S41:提供—組織員工或會員13持數位貨幣U 至一商店14消費； 步驟S42:，供—福利管理模組12，係包含有至少 二個福利金額度121及一儲值區122，並 供數位貨幣11予一組織員工或會員 么 且母一數位貨瞥11包含福利管理模 組12内其中之一福利金額度121所對應 的價值； ’ 步驟 步驟 S43 ?供一儲值區122予一組織員工或會員 館存一消費福利金丨31，·以及 S44使^商店14係依據一員工或會員13之 一消費價值141以進行數位貨幣u上之 12 200901064 價值扣抵作業，並向福利管理模組12進行兒換動作。 離本。任何未脫 更，均應包含讀附之申請專利_仃中之4效修改或變 【圖式簡單說明】 第1圖係、為本發明之數位貨f管理系統之方塊示意圖，· ίίΞ係為本發明之數位貨理系統之實施例之方塊 理系統之另一實施 第3圖係為本發明之數位貨幣管 例之示意圖；以及 第4圖係為本發明之管理方法流程圖 【主要元件符號說明】 I :數位貨幣管理系統； II :數位貨幣； III :儲存值額度； 12 ·福利管理模組； 121 :福利金額度； 122 :儲值區； 13 .員工或會員； 131 :消費福利金； 14 :商店； 141 :消費價值； 2 :儲值卡管理系統； 21 :儲值卡片； 211 :儲值價值； 22 :伺服農置； 221 :員工或會員資料； 222 :福利網頁； 2 3 · s忍證模組； 13 200901064 231 :認證資訊； 24 :交易模組； 25 :儲值卡管理模組； 251 :福利金； 252 :儲值單元； 26 :員工或會員； 252 :商店網站； 252 :商店； 31 :手持裝置； 32 :感應裝置； 33 :電腦； 331 :網際網路； 34 :商店； 35 :服務業者； 36 :福利管理組織；以及 S40〜S44 :方法流程步 驟。 14St. 2 carries out the child-changing action of the employee or member's consumption quota. = Profit/Research Organization 36 includes at least one value of Fu value and stored value: the consumption value of the mother-sensing positive film corresponds to the welfare value of the welfare management organization. The service provider 35 exchanges the amount of the consumption fee based on the member's or the member's business/occupation, .4 and pays the amount to the welfare management organization. The welfare management organization 36 judges whether the employee or the member's welfare is enough to pay the amount of the employee's or the member's welfare according to the relevant records of the employee or the member's fine-grain information. When the amount is insufficient, the employee or the member may store the welfare in the welfare management. The storage value area of the organization 36 'and, according to the storage value of the stored value area to supplement m or, the employee or member salary deduction or other means to make up the value difference. This organization must first reach an agreement with the service provider and provide a sale and purchase transaction with other outlets, for example: department store, hypermarket or book 11 200901064 store for the consumption fee 'employee or member can use the store website or substance Benefits Hr profit management The maximum value of employees or members of I Weaving 36 is employees;:: The amount of credit payable, the deductible employee or member's contribution : =: Fees = notify employees or members 'outside' The sensing device 32 can be connected to the staff jrtH system 331 by fct human & $ brain μ brain 33 and by electricity to a service provider 35. The child turnover management of the consumption quota of the shell or the shellfish is a flow chart of the management method of the digital currency system disclosed in the present invention, which comprises the following steps: ^ Step S40. Providing at least one number of soft The digit ^11, each digit currency has a stored value of 111; Step S41: providing - organizing the employee or member 13 holding the digital currency U to a store 14 for consumption; Step S42:, the benefit-welfare management module 12, includes There are at least two welfare amount 121 and a stored value area 122, and the digital currency 11 is given to an organization employee or member, and the parent digital goods 11 includes one of the welfare amount 121 of the welfare management module 12. The value of the step; S Step S43? for a stored value area 122 to an organization employee or member library to store a consumer benefit amount 丨 31, and S 44 to make the store 14 based on an employee or member 13 consumption value 141 for 12 200901064 The value of the currency is deducted from the operation, and the welfare management module 12 is changed. From this. Any application that has not been removed should include the patent application for reading _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ FIG. 3 is a schematic diagram of a digital currency management example of the present invention; and FIG. 4 is a flowchart of a management method of the present invention. Description] I: digital currency management system; II: digital currency; III: stored value; 12 • welfare management module; 121: welfare amount; 122: stored value area; 13. employee or member; 14 : store; 141 : consumer value; 2: stored value card management system; 21: stored value card; 211: stored value; 22: servo farm; 221: employee or member information; 222: welfare page; · s forbearance module; 13 200901064 231: certification information; 24: transaction module; 25: stored value card management module; 251: welfare; 252: stored value unit; 26: employee or member; 252: store website ; 252 : store; 31 : handheld device 32: sensing device; 33: Computer; 331: Internet; 34: Shop; 35: service provider; 36: benefit management organizations; and S40~S44: process flow step. 14