200908691 九、發明說明： 【發明所屬之技術領域】 本發明係-種在移動通訊裝置上實現儲值卡的驗證及 儲值的方法及«置，«-種方法及錄置，能令使用 者藉由-移純贿置，於任—日_或地點，對儲值卡進 行驗證及儲值者。 【先前技術】 按’傳統的零餘者並沒有—個好的卫具，可以統計商 品的庫存，特別是，許多商店的商品動軏上千上萬種，無 論在訂貨與庫存管理上，都難以掌握，商家為了瞭解自身 的庫存狀;兄’必％良費大量人力去盤點商品的數量，一些 大里的零售業者為了官理上的方便，往往要設計許多複雜 的表格’‘致成本上升’經營無效率。齡，隨著科技不 斷地進步’電«統翻的層面亦迅速拓展，人們開始將 系統導人零f業’進而有端點銷售（Point of sale， F杨P0S)機的誕生’所謂端闕售_指能在交易時， ^十及顯不父易資訊者’該交易資訊包括收人款項、支出 品庫存數量、商品價目、特價資訊·..等，且該商 父易^訊透過傳輸至—後台管理系統整合後，將使得商 % γ 營者能更迅速、正確地掌握最新交易狀況，執 订最合適的彳了銷管理，因此，各類魏雜賣的商場、門 市甚至於車站’皆開始普遍設置有端點銷售機。再者，端 點銷售機還可以·儲值卡，快速地進行結帳，不僅減少 消費者在㈣時’等待結帳㈣間，亦解決消費時，消費 7 200908691 者與業者間常需要互相找錢所導致的不便利。 惟，此種利用儲值卡配合端點銷售機的消費方式，對消 費者而言’尚有下列諸多缺點： 1、利用儲值卡消費’無法_顧内存麵是否足夠，若 在欲結帳時，發現儲值卡内存之金額不足，將造成使用 者的不便及繼尬場面，據上所述，兹舉—例說明，當儲 值卡使用者娜縣預定_社車，而在湘儲值卡 進行扣款時’突錢現餘額不足，此時，儲值卡使用者 只能默默且繼尬地離開排隊的行列，重新到可利用現金 的窗口再次排隊’不僅耽誤許多不必要的時間，亦將造 成使用者心理的不愉快，或儲值卡使用者需立即對該儲 值卡重新進彳t繁ϊ貞的驗證及儲值程序，如此，將令其他 排隊等待的消費者產生抱怨及不_，同時，也降低了 該端點銷售機的交易效率。 由於儲值日守，仍舊須使用現金，因此，消費者必須隨 身攜帶足夠的現金或零錢，關朗f前可能的儲值動 作，不僅將造成攜帶現金或零錢的不便，也易引起小偷 的覬覦。 、雖然，消費者可選擇-次在儲值卡中，儲值大量金額， 以防止上述情況的發生’惟要丟失儲值卡，就會導 致大量金額損失的風險，特別是，為了令使用者攜帶方 便’各種儲值卡普遍設計成輕薄短小，$易損壞或丟 失，故，在其内儲值大量金額，將會令使用者心理產生 極大的負擔。 200908691 否足設計出一種可隨時確認難卡内存金額是 =ΓΓ法’以改進前述之諸多缺點，令該端點 售_父易過較有鱗，且令料者在 之 ΐ要=，即成為目前相難者致力研究並級解決 【發明内容】 Α由於，時下各種移動通訊裝置（如：行動電話、PDA… 等）非常的普及，幾乎人手—機，故，發明人有鑑於前述 ㈣方式所造成之諸多_與缺點，雜㈣年的實務經 驗及κ ’研發$本㈣之—種在雜通訊裝置上實 現儲值卡職證及難的找及錄置，關藉由本發明 之問世，而能對社會大眾有所貢獻。 本發明之一目的，係提供一種在移動通訊裝置上實現 儲值卡的驗證值的方法及其裝置，該方法係應用於一 移動通訊裝置上，包括對—儲針（如：鋪式或非接觸 式的儲值卡）接收一識別數據，並對該識別數據執行一安 全驗證，判斷該識別數據是否通過該安全驗證，確認該識 別數據通過後，即將該儲值卡内所有之餘額顯示出來，並 當使用者在該移動通訊裝置上選擇欲儲值之金額後，連線 到一端點銷售機之後台管理系統，傳送該欲儲值之金額至 該後台管理系統進行扣款，成功扣款後，該後台管理系統 即會傳回確認儲值金額至該移動通訊裝置，並透過該移動 通訊裝置寫入確認儲值金額至該儲值卡内，如此，使用者 即可在任意的時間或地點，自行透過該移動通訊裝置，順 200908691 利貫現對儲值卡完成整個驗證及儲值程序，用以確保該儲 值卡内擁有充足的餘額，使得使用者能順利的使用該儲值 卡進行交易，有效避免在交易時才發現餘額不足’進而產 生的種種困擾，令使用者不需在身上攜帶多餘之現金或零 錢，也不需一次在儲值卡内儲值大量金額，減少使用者攜 帶現金或零錢之不便或遺失儲值卡的心理負擔，大幅提升 儲值卡在使用上的安全性及便利性，亦增進了該端點銷售 機的交易效率。 為便貴審查委員能對本發明之構造、設計原理及其功 效，有更進一步之認識與瞭解，茲列舉實施例，並配合圖 式，詳細說明如下： 【實施方式】 本發明係一種在移動通訊裝置上實現儲值卡的驗證及 儲值的方法及其裝置，請參閱第丨圖所示，該方法係應用 於一移動通訊裝置10 (如：行動電話、pDA…等）上，在 本發明之一較佳實施例中，該移動通訊裝置10包括一卡片 讀寫單元11、一密鑰計算單元12、一螢幕13、一按鍵部 14、-傳輸單元15及-記憶單元16，而該方法係使該移 動通訊裝置1〇對-儲值卡2G進行驗證及儲值，請參閱第 2圖所示’包括下列步驟： (100)首先，當使用者欲啟動該移動通訊裝置1〇對儲值 卡的驗證功能時，可壓按該按鍵部14的一功能按 鍵’此時’該卡片讀寫單元U即利用無線射頻識 別（Radio Frequency Identification，簡稱 200908691 RFID)、頻率識別或近距離無線通訊識別（^虹 Field Communication，簡稱 NFC)等技術，從該 儲值卡20 (如：接觸式或非接觸式的儲值卡）接 收一識別數據； (101) 藉由該密鑰計算單元12，對該識別數據進行一安 全驗證，並判斷該識別數據是否通過該安全驗 證，若是，即進入步驟（103);否則，進入步驟 (102); (102) 在該螢幕13上，顯示出驗證失敗的結果； (103) 在該螢幕13上，顯示出驗證成功的結果，並將該 儲值卡20内之餘額顯示出來； (104) 此時，若使用者由該螢幕13上顯示的該儲值卡2〇 餘額，發現餘額不足以支付欲消費之金額時，可 藉壓按該按鍵部14的另-功能按鍵，啟動該移動 通訊裴置10對儲值卡的儲值功能，嗣，該移動通 訊裝置10將判斷使用者是否透過該按鍵部14，選 擇對該儲值卡2G進行儲值，若是，進入步驟 (105)，否則，結束整個流程； u〇o胃#動通訊裝置1()即透過該傳輸單元15，以無線 方式，直接與一端點銷售（P0S)機3〇之後台管 理系統31進行連線，或透過該端點鎖售（p⑹ 機30，與該後台管理系統31進行連線； ⑽），動軌裝置1G將讀取使用者透過操作該按鍵 P 14所輸入之儲值金n，並經由該傳輸單元15 11 200908691 傳送至礒後台管理系統31 ; (1〇7)該後$言理系統31即會根據使用者預先登記之信 用:資料（使用者在申請該儲值卡時，預先登記 之仏用卡資料）’對使用者之翻卡進行扣款，並 到斷扣政是否成功，若是，進入步驟（108)，否 則’結束整個流程； ()成扣款動作後，該移動翻^置10，接收後 =管理系統31傳回之確認儲值金額及信用卡之扣 τ人資。fl (如.信用卡交易的編號、時間及金額等 數據）； (109) 雜輪單元15在接收啊認儲值之金額後 ，即透 過射片項寫單元Π ’將確認儲值之金額寫回至 該儲值卡20内； (110) 嗣’藉由該記憶單元16記錄每讀值的相關資訊 (如.儲值時間及儲值金額等數據）及信用卡的 扣款資訊（如：信用卡交易的編號、時間及金額 等數據），供日後查詢；及 (111) 在該f幕13上顯示，寫人確認儲值之金額後的該 儲值卡20内之餘額總數。 在該實施例中，該密鑰計算單元12係能與一具有加密 功月b的用戶識別卡（如：Subscriber Identity Model card ’ 簡稱 SIM 卡、pers〇nal Identity M〇del card，簡 稱 PIM 卡、Universal Identity Model card，簡稱 UIM 卡… 等）相結合在一起，以透過該用戶識別卡内的加密功能， 12 200908691 達成更安全的驗證及交易程序。 如此’藉由上述本發明之方法，當使用者發現該館值 =内*之餘額，从財付欲_之商品款項或消費之服 =額時’使用者只需透過該移動通訊裝置1〇，即能順利 實現對該舰卡20絲整鑛證⑽餘序，如此，無論 使用者在何時或何地使職難卡2()進行交^，均能在^ 儲值卡20内儲備有足夠的金額，以支付欲採講之商品款項 或㈣之服務金額，而無騎身·多餘的現金或零錢， 亦不_該儲值卡20 _存衫的金額，有效地避免攜帶 現金或零錢之不便或遺失難卡之⑽貞擔，大幅提升儲 值卡20在使用上的安全性及便利性，同時，免去在交易時 發現餘額不足，造成使用者自身的不便，及其他等待交易 者之困擾’進而防止該端點鎖售機3〇在發現該儲值卡2〇 内之餘額不足時’必需對值卡2()重新進行繁躺驗證 及儲值程序’故可令該端點銷售機30的交易過程更有效 率。 > 在此需特別-提者，乃在本發明的實際應用中，並不 侷限於此，在本發明的另—較佳實施例中，請參閱第i及 3圖所示’可將第2圖所示之步驟（1〇4)之儲值程序位移 至步驟（100)〜（1〇3)之驗證程序前’令使用者能在預知 該儲值卡20内之餘額不足時，或需要直接對該儲值卡2〇 進行儲值時’直接先透過該移動通訊裝置1〇之按鍵部Μ， 選擇執行儲值魏，嗣，由該卡㈣寫單元u接收欲儲值 之儲值卡20的識別數據，並依序減步驟（1〇〇)〜（卿 13 200908691 1 之驗證程序及步驟⑽卜⑽）間之儲值程序後，將 確遇儲值之金額寫入至該儲值卡20 1Q L 帝值卞π内，且顯示在該螢幕200908691 IX. Description of the invention: [Technical field to which the invention pertains] The present invention relates to a method for realizing verification and stored value of a stored value card on a mobile communication device, and a method for recording and storing By means of -shifting the bribe, verifying and storing the stored value card at the office-day or location. [Prior Art] According to the 'traditional zeros, there is no good guard, you can count the stock of goods. In particular, many stores have thousands of goods, no matter in ordering and inventory management. It is difficult to grasp, in order to understand the inventory of the merchants; the brothers must pay a large amount of manpower to count the number of commodities. Some large retailers often have to design many complicated forms for the convenience of the government. Operating inefficiency. Age, with the continuous advancement of technology, the level of “electricity” has also expanded rapidly, and people have begun to introduce the system to zero industry. Then there is the birth of the point of sale (Fyang P0S) machine. Selling _ means that at the time of the transaction, ^10 and the person who is not the father of the information, the transaction information includes the income of the recipient, the quantity of the stock of the consumables, the price of the commodity, the special price, etc., and the business is easy to transmit through the transmission. After the integration of the back-end management system, the company will be able to grasp the latest trading situation more quickly and correctly, and set the most appropriate sales management. Therefore, all kinds of malls, stores and even stations at Wei Miscellaneous 'Everything is generally set up with an endpoint sales machine. In addition, the end-point sales machine can also store the value card, and quickly checkout, not only reduce the consumer's waiting for checkout (4), but also solve the consumption, consumption 7 200908691 and the industry often need to find money with each other. The resulting inconvenience. However, the use of stored-value cards in conjunction with the end-selling machine consumption method has the following shortcomings for consumers: 1. Using stored-value card consumption 'can't take care of whether the memory surface is sufficient, if it is going to checkout At the time, it was found that the amount of memory in the stored value card was insufficient, which would cause inconvenience to the user and the following scenes. According to the above, the example shows that when the stored value card user Na County is scheduled to be a social vehicle, When the value card is debited, the current balance of the money is insufficient. At this time, the user of the stored value card can only silently and continually leave the queue, and then re-queue to the window of available cash. It not only delays many unnecessary time. It will also cause the user's psychological unhappiness, or the user of the stored value card should immediately re-enter the verification and stored value procedures of the stored value card. This will cause other consumers waiting in line to complain and not. _, at the same time, also reduced the transaction efficiency of the endpoint sales machine. Since the stored value is still in use, cash must still be used. Therefore, consumers must carry enough cash or change with them. The possible stored value action before Guanlang f will not only cause inconvenience of carrying cash or change, but also cause thieves’ jealousy. . Although, consumers can choose to store a large amount of money in the stored value card to prevent the above situation from happening, but losing the stored value card will result in a large amount of risk of loss, especially for the user. Easy to carry. 'Various stored value cards are generally designed to be light and thin, and are easily damaged or lost. Therefore, a large amount of money stored in it will cause a great burden on the user. 200908691 No matter how well designed to confirm the amount of hard card memory is = ΓΓ method to improve the above-mentioned many shortcomings, so that the end of the sale _ father easy to be more scaly, and the material is required to =, that is to become At present, the hard-working people are committed to research and solve the problem. [Inventive content] ΑBecause all kinds of mobile communication devices (such as mobile phones, PDAs, etc.) are very popular, almost human-machine, therefore, the inventors have the above (4) way. Many of the _ and shortcomings, the practical experience of the Miscellaneous (four) years and the implementation of the present invention. And can contribute to the public. An object of the present invention is to provide a method and a device for implementing a verification value of a stored value card on a mobile communication device, the method being applied to a mobile communication device, including a pair of needles (eg, a shop or a non-bank) The contact type stored value card receives an identification data, and performs a security verification on the identification data to determine whether the identification data passes the security verification, and after confirming that the identification data is passed, all the balances in the stored value card are displayed. And when the user selects the amount of the value to be stored on the mobile communication device, and connects to the end point sales machine, the station management system transmits the amount of the value to be stored to the background management system for deduction, and the deduction is successful. Afterwards, the background management system will return the confirmed stored value amount to the mobile communication device, and write the confirmed stored value amount to the stored value card through the mobile communication device, so that the user can be at any time or The location, through the mobile communication device, shuns 200908691 to complete the verification and stored value procedures for the stored value card to ensure that the stored value card has a charge The balance allows the user to use the stored value card to trade smoothly, effectively avoiding the insufficiency of the balance when the transaction is made, so that the user does not need to carry extra cash or change on the body, nor need to Once a large amount of money is stored in the stored value card, the user's inconvenience of carrying cash or change or the psychological burden of losing the stored value card is reduced, the safety and convenience of the stored value card are greatly improved, and the endpoint is also enhanced. The trading efficiency of the sales machine. For the sake of the review, the reviewer can understand and understand the structure, design principle and function of the present invention. The embodiments are listed, and the drawings are described in detail as follows: [Embodiment] The present invention is a mobile communication. The method for realizing the verification and stored value of the stored value card on the device and the device thereof are shown in the figure, which is applied to a mobile communication device 10 (eg, mobile phone, pDA, etc.), in the present invention. In a preferred embodiment, the mobile communication device 10 includes a card reading and writing unit 11, a key computing unit 12, a screen 13, a button portion 14, a transmission unit 15, and a memory unit 16, and the method The mobile communication device 1 is used to verify and store the stored value card 2G, as shown in FIG. 2, including the following steps: (100) First, when the user wants to start the mobile communication device, When the value card is verified, a function button of the button portion 14 can be pressed. At this time, the card reading and writing unit U uses radio frequency identification (Radio Frequency Identification, referred to as 200908691 RFID), frequency identification. Techniques such as proximity communication (NFC), receiving a recognition data from the stored value card 20 (eg, a contact or contactless stored value card); (101) by using the key The calculating unit 12 performs a security verification on the identification data, and determines whether the identification data passes the security verification. If yes, the process proceeds to step (103); otherwise, proceeds to step (102); (102) on the screen 13, The result of the verification failure is displayed; (103) on the screen 13, the result of the verification success is displayed, and the balance in the stored value card 20 is displayed; (104) At this time, if the user is on the screen 13 The remaining value of the stored value card is displayed, and when the balance is found to be insufficient to pay the amount to be consumed, the stored function of the stored value card can be activated by pressing the other function button of the button unit 14 The mobile communication device 10 determines whether the user has passed the button unit 14 and selects to store the stored value card 2G. If yes, the process proceeds to step (105). Otherwise, the entire process ends; u〇o stomach# move Communication device 1() transmits the transmission Unit 15, in a wireless manner, directly connected to a point-of-sale (P0S) machine 3, and then connected to the station management system 31, or through the terminal lock (p(6) machine 30, connected to the background management system 31; (10) The track device 1G will read the stored value n input by the user through the operation of the button P 14 and transmit it to the background management system 31 via the transmission unit 15 11 200908691; (1〇7) The system 31 will deduct the user's flip card based on the user's pre-registered credit: the data (the user pre-registered the card information when applying for the stored value card), and Success, if yes, go to step (108), otherwise 'end the whole process; () after the deduction action, the move is set to 10, after receiving = the confirmed stored value of the management system 31 and the deduction of the credit card Capital. Fl (eg, the number, time and amount of credit card transactions, etc.); (109) After receiving the amount of the stored value, the miscellaneous unit 15 writes back the amount of the confirmed stored value through the project of the project item Π ' Up to the stored value card 20; (110) 嗣 'recording information about each reading (such as the stored value time and stored value amount) and the credit card debit information (such as credit card transaction) by the memory unit 16 The number, time and amount of the data are for future reference; and (111) on the screen 13 shows the total balance of the stored value card 20 after the writer confirms the value of the stored value. In this embodiment, the key calculation unit 12 can be associated with a user identification card having an encryption power b (eg, a Subscriber Identity Model card, referred to as a SIM card, a Pers® Identity Card, or a PIM card, Universal Identity Model card (UIM card, etc.) is combined to achieve a more secure verification and transaction process through the encryption function in the user identification card. Thus, by the method of the present invention described above, when the user finds the balance of the store value=inside*, from the payment of the product or the amount of the service, the user only needs to pass through the mobile communication device. That is, the remaining order of the ship's 20-wire complete mineralization certificate (10) can be smoothly realized. Thus, no matter when or where the user makes the duty card 2 (), it can be stored in the stored value card 20 Sufficient amount to pay for the amount of goods to be talked about or (4), without riding, excess cash or change, and not the amount of the stored value card 20 _ deposit, effectively avoiding carrying cash or change Inconvenience or loss of the card (10), greatly improve the security and convenience of the stored value card 20, while avoiding the lack of balance found during the transaction, causing the user's own inconvenience, and other waiting traders Trouble' to prevent the endpoint lock-up machine 3 from finding the value card 2() to re-evaluate and store the value when the balance in the stored-value card 2 is insufficient. The transaction process of the sales machine 30 is more efficient. > In particular, in the practical application of the present invention, it is not limited thereto, and in another preferred embodiment of the present invention, please refer to the figures i and 3 2 The stored value program of the step (1〇4) shown in the figure is shifted to the pre-verification procedure of steps (100) to (1〇3) to enable the user to predict that the balance in the stored value card 20 is insufficient, or When the stored value card 2 is stored directly, the direct input of the key unit of the mobile communication device 1 first selects the stored value Wei, 嗣, and the card (4) write unit u receives the stored value of the stored value. After the identification data of the card 20 is sequentially reduced by the stored value program between the steps (1〇〇)~(Qing 13 200908691 1 verification procedure and step (10) (10), the amount of the stored value is written to the storage. Value card 20 1Q L is within 卞π and displayed on the screen
Id上。 ，者，為驗及簡化前述儲值程序，以提升儲值程序 、六率，第2及3圖中所示的步驟（11〇)係可省略，令該 Γ於步驟（1G9)中，#_讀寫單元U已將確認儲 金額寫入至該儲值卡20内後，即進行步驟（111 )，將 確_值之麵顯轉該絲13上，令使时只要確認金 額已儲存人該儲值卡2Q内，就能立刻使用該儲值卡卽， 用以供支付^辅之商品款項或料之服務金額。 以上所述，僅係本發明之較佳實施例，惟，本發明所 主張之權利範圍，並不局限於此，按凡熟悉該項技藝人士， 依據本發明簡露之技㈣容，可輕m之等效變化， 均應屬不脫離本發明之保護範轉。 【圖式簡單說明】 第1圖所示乃本發明之移動通訊裝置之方塊示意圖； 第2圖所不乃本發明之—較佳實施例之流程圖；及 第3圖所示乃本發明之另—触實施例之流程圖。 【主要元件符號說明】 移動通訊裝置............H)卡片讀寫單S............n 密錄計算單元........................................13 按鍵。P .................14傳輸單元..................15 記憶單元...........................................20 端點銷售機.................後台管理系統............31 14Id. In order to verify and simplify the stored value program to improve the stored value program, the six rate, the steps (11〇) shown in the second and third figures can be omitted, so that the step is (1G9), # After the _ reading unit U has written the confirmed deposit amount into the stored value card 20, the step (111) is performed, and the face of the _ value is displayed on the wire 13 so that the amount of the person has been confirmed. Within the stored value card 2Q, the stored value card can be used immediately for the payment of the amount of the goods or materials. The above is only the preferred embodiment of the present invention, but the scope of the claimed invention is not limited thereto, and can be lightly according to the skill of the present invention. The equivalent change of m shall be without departing from the protection of the present invention. BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a block diagram of a mobile communication device of the present invention; FIG. 2 is not a flowchart of a preferred embodiment of the present invention; and FIG. 3 is a view of the present invention. In addition, the flow chart of the embodiment is touched. [Description of main component symbols] Mobile communication device............H) Card reading and writing single S............n Confidential recording unit.... ...................................13 button. P .................14 Transmission unit..................15 Memory unit........ ...................................20 Endpoint Sales Machine.......... .......Backstage Management System............31 14