200917138 九、發明說明·· 【發明所屬之技術領域】 本發明係有關於一種智慧卡♦芦 業提供擔保資產於金融機構中，^、系统，尤指一種由企 企業所欲發行消費卡之智慧卡擔保融機構擔保以發行 【先前技術】 /現今如量販店或百貨公司 行電子禮券或是儲值卡等消費卡，·貝=業，多半會自行發 費者消費方便，不需帶著大量八以鞏固客源，也提供消 業所發行之消費卡，有時可享总=。而消費者可購買該企 然而，若當該企業E)為或者是優惠。 費者所購買之消費卡，盔法 ϋ而倒閉時，會造成消 此—現象，不少政府以料論’而造成損失。針對 防止消費者之損失。 冊 I要求防治此問題，以 【發明内容】 藉由供—種智慧卡（心_擔保模組， 費卡能卿伴二f擔保貝產’以使消費者所購買之消 心侍保障，也使企業獲得合理的報酬。 本發明係關於一種智慧卡擔保系統，係 構以擔朽八番α ⑺〜用—金融機 谁—ir所欲發行之消費卡。該智慧卡擔保系統在 v包含一金融擔保模組、一企業儲值模組、〜 費έ日 门巾 二、、'、·且，該金融擔保模組係設置於該金融機構中，且 广盃融機構中之擔保資產，以對應發行該企業所需並可广 為儲值卡之消費卡，並且，該金融擔保模組係根辕該金融 5 200917138 機構中之擔保資產，以對一企 產之母卡儲_。 料卡充值相制該擔保資 儲值模組’係設置於該企業中，根據該企業母 額之門瞥㈣伽㈣崎卡儲值 中之=2模组，係設置於—門市中，根據該管理卡 額之儲值額。名、M對该相費卡充值相對應該門市儲值 ^中，該消費卡係可為—具有儲值功能之智 費一消費額，係使該晴梅 企業貝’该金融機構並將所減除之消費額給予該. 消費種智慧卡擔保系統’不同的是，該 鐘々I4 1禮#，由該金融機構擔保，並由★亥全1 而預先充值-儲2 =至， 額，俜使兮捧保次Α Λ "費卡至ΠΛ門市進行消費一消費 、係使4擔保-貝產減除該消費額，後續， 將所減除之消費額給予該企業。 X、，融枝構亚 本發明另可關於—種智慧卡㈣ f費卡係為—儲值卡，該企業於發行消費卡=的 二:構所設置之擔保資產額度也為零，而於該：費卡;二 使其產生擔保的作用。 、翟入擔保處產中’ 亚於其中該消費卡至該n市進行消f 市消費模組係會使該擔保資產減除該消費額，=: 200917138 融機構並將所減除之消費額給予該企業。 因此，藉由本發明一方面由於該金融機構具有一筆擔 保資產，包含無形、有形資產等擔保資產，以保障消費者 購買之消費卡，另一方面，企業可因一消費者之消費，而 減少擔保於該金融機構之擔保資產之負擔，而該金融機構 亦可藉由此系統，而能防止該企業向消費者收取超過該擔 保資產之金額，進一步，並能防堵企業假消費卡之名，行 詐騙之實。 為了能更進一步瞭解本發明為達成預定目的所採取之 技術、手段及功效，請參閱以下有關本發明之詳細說明與 附圖，相信本發明之目的、特徵與特點，當可由此得一深 入且具體之瞭解，然而所附圖式僅提供參考與說明用，並 非用來對本發明加以限制者。 【實施方式】 請參閱圖一，其為本發明智慧卡（IC card)擔保系統之 第一實施例之功能方塊圖。於本實施例中，該智慧卡擔保 系統係依據一企業所欲發行之消費卡之規模，而於一金融 機構中提供一擔保資產，包含無形、有形資產等擔保資產， 該擔保資產一般來說是由該企業提供。而該金融機構根據 該擔保資產的擔保，而允許該企業以相對應之額度來發行 消費卡，如此可保障消費者購買該消費卡之權益，其中所 述之消費卡係為一種智慧卡（IC card)。 該智慧卡（IC card)擔保系統係包括一金融擔保模組 1、一企業儲值模組2、一門市消費模組3、複數個消費 卡4。該金融擔保模組1設置於該金融機構中，該金融機 7 200917138 構係可為-銀行、紐公司...#，該金 有一金融安全卡（驗SAM card)1 = SAM card)l 1用以認證企業母卡2 2。 卞（ 該金融擔保模組丄係可為一電腦系統及與 卡機，而該金融安全卡i !係可設置於該讀卡機内、、’，將^ 插置於該讀卡機時，金融安全卡1 1係可認證 止業母卡2 1。進一步說明，企業母卡2工就是在此讀卡 機中，根據該金融機構中已存入之擔保資產（通常由企業預 先存入）’於企業母卡2 1中相對應以充值一母卡儲值額2 金融擔保模組1除了電腦系統及與其連線之讀卡機之 外，係也可利用岔錄產生系統（Key Generation System ; KGS)的流程產生的a、β密输卡（user让巧a & β)，分別由 企業及金融機構分持，直到企業向金融機構提出履約保證 後，金融機構才把Β密鑰卡（usei· key Β)交與製卡影像產 製系統（Card Image Generation System; CIGS)的流程， 使其能根據A、B密鑰卡產製一製卡影像檔（image fiie)， 進而使製卡工廠來製作消費卡。金融擔保模組1進一步還 可控制資金往來於銀行之不同戶頭（擔保帳戶與企業的金 融帳戶）之間。 企業母卡2 1係可為一智慧卡（ic card)，會往來運送 於該金融機構與該企業之間，其根據該擔保資產存有一母 卡儲值額2 1 1 ’該母卡儲值額2 1 1係可為一數值。 該企業儲值模組2係設置於該企業中，其設有一企業 安全卡（Company SAM card) 2 2。該企業儲值模組2係可 為一電腦系統及與其連線之讀卡機，而該企業安全卡2 2 200917138 係可設置於該讀卡機内，而該企業母卡2丄以及管理卡3 1皆可插置於該讀卡機，該企業安全卡2 2係可認證該企 業母卡21以及管理卡3 1。 管理卡3 1係也可為-智慧卡（IC card)，會往來運送 ㈣企業_門市之間。f理卡3 i就是在此讀卡機中， 根據企業母卡2 1巾之母讀鋪2丨1，於複數個管理 卡3 1中相對應以分別充值門市儲值額3丄丄，門市儲值 額3 1 1係可為一數值。 該門市消費模組3係可設置於一門市中，其設有一門 市安全卡（Branch SAM card)3 2。該門市消費模組3係可 為一電腦系統及與其連線之讀卡機，而該門市安全卡3 2 係投置於該讀卡機内，而管理卡3丄以及消費卡4係可插 置於该讀卡機，該門市安全卡3 2係可認證管理卡3 1以 及消費卡4。 消費卡4係也可為一智慧卡（IC card)，其可在擔保資 產的保證下，由金融機構允許企業發行，係由消費者持有 ，至該門市進行消費。消費卡4就是在此讀卡機中，根據 官理卡31中之門市儲值額3 1 1，在消費者付錢之後， 於4數個消費卡4中相對應以分別充值消費儲值額4 1， 消費儲值額41係可為一數值。其中，該消費卡原本之兮 消費儲值額41係預設為零。於實際的實施例中，诵= 門市係具有複數個。 、“亥 舉例而言，當該企業提供一擔保資產給該金融機構， 存在個擔保帳戶中，该金融機構之該金融擔保模組1 根據該金融機構中之擔保資產，以對一企業母卡2 1 '、 相對應該擔保資產於該母卡儲值額2 1 1，而該擔保資$ 9 200917138 係可為資金、不動產或有價證券等金融商品，甚至可以3 無形貧產’例如商標、商譽、該公司的專利等。該母卡= 值額2 1 1係依照該企業與該金融機構之契約，而可 於、小於或等於該擔保資產之金額。 後續，企業母卡2會從該金融機構送往該企業，該八 業之企業儲值模組2係可根據該企業母卡2 i中之=二 值額2 1 1，以對複數個管理卡3 1中每一個管理卡] 充值相對應該母卡儲值額2 i i之門市儲值 ㈣企業母卡21對於該管理卡31充=久母卡 儲值頭2 1 1需減去對辭理卡3 1之充鋪度，並限 :亥母卡儲值頭2 1 1不得低於零’而進而使得該門市儲 額3 1 1不能大於該母卡儲值額2丄工減少之值。若 :具有複數個’因而該管理卡3 i係具有複數個，則= 對該等管理卡3 1分別充值相對應該母卡 ㈣領2 1 1之門市儲值額3丄χ，且該等管理卡I ，卡儲值額2 1 i之總額係不超過該母卡儲值額2工丄減 / Ι-γγτ. ，此貫施财，消費者_之該消#卡4之—儲值額 儲梢可預設為於此^施财，係可為」 ^卡H肖費者係可將該消費卡4至㈣市進行 銘，°亥門市'肖費她3之門市安全卡3 2認證該消費卡4 ^ ’可為該消費卡4進行充值該儲值額4 1 理 =費！4充值後，管理卡31之門市儲值額3 = ^不1於4費卡4之充值額度，並限定門市儲值額3 1 而使得儲值額41不能大於門市儲值額3 10 200917138 而該消費者亦可於該門市進行消 ;;卡=市消費模組3之門市二進= ί::: 費，該門市消費模組3並為該消費 卡4:減除5玄消費額。 可係可透過P〇S(P°lnt_)系統，並 Ϊ ne〇或網際網路（I—et)與該 止業連接，甚至以端末機透過企業網 ==1)或撥接等方式與該企業連接乂 = POS f業㈣行彙整。崎企業即可透過 P0S糸統仏末機’並可搭企業網路或網際網路或是撥 I、该金融機構連接，而該金融且 1即會使該擔保帳戶中之#俘眘f = τ之&融擔保核組 消費額清算給該企業。所:===”，再將該200917138 IX. INSTRUCTIONS···························································································· The card guarantees the guarantee of the institution to issue the [previous technology] / the current consumer card such as the electronic voucher or the stored value card of the retail store or the department store, and the product is convenient for the self-payer, and does not need to carry a large amount of Eight to consolidate the source of the customer, but also provide the consumer card issued by the consumer industry, and sometimes enjoy the total =. The consumer can purchase the enterprise. However, if the enterprise E) is or is a discount. When the consumer's purchase of the consumer card, the helmet method collapses, it will cause this phenomenon, and many governments will suffer losses due to the material theory. For the prevention of consumer losses. Book I requires prevention and control of this problem, [invention content] by providing a kind of smart card (heart_guarantee module, Feika Nengqing with two f-guarantee shell products) to enable consumers to buy the consumer care, also The invention relates to a smart card guarantee system, which is structured to bear the consumption card of the VIII, and the financial card guarantee system is included in the v. The financial guarantee module, a corporate stored value module, ~ Feifu day wipes 2, ', ·, and the financial guarantee module is set in the financial institution, and the guarantee assets in the Guangyirong institution Corresponding to the issuance of the consumer card required by the enterprise and widely available for the stored value card, and the financial guarantee module is based on the guarantee assets in the financial institution 5 200917138, to the mother card storage of the enterprise. The recharge system is set in the enterprise, according to the threshold of the enterprise's parent amount (four) gamma (four) saki card stored value = 2 module, is set in the store, according to the management The stored value of the card amount. The name and M should be recharged for the phase card. In the city's stored value ^, the consumer card can be - the value of the stored value of the smart fee - the amount of consumption, which is the same as the financial institution of the company, and the amount of the deducted consumption is given to the consumer card. The guarantee system 'different is that the bell 々 I4 1 礼#, guaranteed by the financial institution, and pre-charged by ★ Hai Quan 1 - stored 2 = to, amount, 俜 兮 保 保 Λ quot " To the city of Tuen Mun for consumption-consumption, the Department of 4 guarantees - shellfish production minus the amount of consumption, followed by the deduction of the amount of consumption given to the enterprise. X,, the fusion of the sub-the invention can be related to - kind of smart card (4) f fee card is a stored value card, the enterprise in the issuance of the consumer card = 2: the amount of the encumbered assets set by the organization is also zero, and in the case: the fee card; the second to make it a guarantee effect. The guarantee is in the middle of the production of the consumer card to the city, and the consumption module will deduct the amount of the guarantee. =: 200917138 The institution will give the deducted consumption to the enterprise. Therefore, by virtue of the present invention, the financial institution has a guarantee asset, including none Guaranteed assets such as tangible assets to protect the consumer card purchased by the consumer. On the other hand, the enterprise may reduce the burden of guaranteeing the guarantee assets of the financial institution due to the consumption of a consumer, and the financial institution may also This system can prevent the enterprise from charging consumers more than the amount of the encumbered assets, further, and can prevent the name of the enterprise fake consumption card, and fraudulently. In order to further understand the present invention for the purpose of achieving the intended purpose The detailed description of the present invention and the accompanying drawings, which are to be understood as a The invention is not limited to the invention. [Embodiment] Please refer to FIG. 1 , which is a functional block diagram of a first embodiment of an IC card guarantee system according to the present invention. In this embodiment, the smart card guarantee system provides a guarantee asset in a financial institution according to the size of the consumer card that the enterprise wants to issue, including the intangible and tangible assets, and the guarantee asset is generally It is provided by the company. The financial institution allows the enterprise to issue a consumer card in a corresponding amount according to the guarantee of the guarantee asset, so as to protect the consumer's interest in purchasing the consumer card, wherein the consumer card is a smart card (IC) Card). The IC card guarantee system includes a financial guarantee module 1, an enterprise stored value module 2, a store consumption module 3, and a plurality of consumer cards 4. The financial guarantee module 1 is disposed in the financial institution, and the financial machine 7 200917138 can be a bank, a new company...#, the financial security card (SAM card) 1 = SAM card) l 1 Used to authenticate the enterprise mother card 2 2 .卞 (The financial guarantee module can be a computer system and a card machine, and the financial security card can be set in the card reader, ', when the ^ is inserted in the card reader, financial The security card 1 1 can be used to authenticate the parent card 2 1 . It is further explained that the enterprise mother card 2 is the card reader in the card reader, according to the guarantee assets already deposited in the financial institution (usually pre-stored by the company) In the enterprise mother card 2 1 corresponding to recharge a mother card stored value 2 financial guarantee module 1 in addition to the computer system and its connected card reader, can also use the record generation system (Key Generation System; The a, β secret transmission card (user let a & β) generated by the process of KGS) is separately held by the enterprise and the financial institution, until the enterprise submits the performance guarantee to the financial institution, the financial institution only takes the key card ( Usei·key Β) The process of the Card Image Generation System (CIGS), which enables the production of a video fiie based on the A and B key cards. The factory will make a consumer card. The financial guarantee module 1 can further control the capital. Between the different accounts of the bank (the guarantee account and the financial account of the enterprise), the enterprise mother card 2 1 can be an ic card, which is transported between the financial institution and the enterprise, according to the The guaranteed asset has a mother card stored value of 2 1 1 'The stored value of the mother card 2 1 1 can be a value. The enterprise stored value module 2 is set in the enterprise, which has a corporate security card (Company) SAM card) 2 2. The enterprise stored value module 2 can be a computer system and a card reader connected thereto, and the enterprise security card 2 2 200917138 can be set in the card reader, and the enterprise mother card 2丄 and the management card 3 1 can be inserted into the card reader, the enterprise security card 2 2 can authenticate the enterprise mother card 21 and the management card 31. The management card 3 1 can also be a smart card (IC) Card), will be transported (4) between the company _ store. f card 3 i is in this card reader, according to the mother card 2 1 towel mother reading shop 2丨1, in the plurality of management card 3 1 phase Corresponding to the value of the stored value of the recharged store, the store value of the store is 3 1, which can be a value. The store consumption module 3 It can be installed in a city, and it has a Branch SAM card 32. The consumer module 3 can be a computer system and a card reader connected thereto, and the security card of the store is 3 2 The card is placed in the card reader, and the management card 3 and the consumer card 4 are plugged into the card reader. The store security card 32 is an authentication management card 31 and a consumer card 4. The consumer card 4 is also It can be an IC card, which can be issued by a financial institution under the guarantee of the guarantee assets, and is held by the consumer and consumed by the store. The consumption card 4 is in this card reader. According to the store value of the government card 31, after the consumer pays, the corresponding amount of the stored value is correspondingly stored in the four consumer cards 4. 4 1, the consumption stored value of 41 can be a value. Among them, the consumption card original value of the consumption card 41 is preset to zero. In a practical embodiment, the 诵= store has a plurality of stores. For example, in the case of Hai, when the enterprise provides a guarantee asset to the financial institution, there is a guarantee account, the financial guarantee module of the financial institution 1 is based on the guarantee assets in the financial institution, and the parent card is 2 1 ', the corresponding guarantee assets should be stored in the mother card 2 1 1, and the guarantee capital $ 9 200917138 can be financial products such as funds, real estate or securities, and even 3 intangible and poor production 'such as trademarks, quotients Reputation, the company's patents, etc. The mother card = value 2 1 1 is in accordance with the contract between the enterprise and the financial institution, and may be less than or equal to the amount of the guarantee asset. Subsequently, the enterprise mother card 2 will be from The financial institution sends the enterprise to the enterprise, and the enterprise stored value module 2 of the eight industries can be based on the parent card 2 i of the enterprise 2 = 2 1 1 for each management card of the plurality of management cards 3 1] The recharge value corresponds to the stored value of the mother card stored value of 2 ii (4) The enterprise mother card 21 is charged for the management card 31 = the long-term mother card stored value head 2 1 1 needs to be subtracted from the degree of filling of the credit card 3 1 : Haimu card stored value head 2 1 1 must not be lower than zero' and thus make the store 3 1 1 can not be greater than the value of the stored value of the mother card 2 to reduce the number of work. If there is a plurality of 'the management card 3 i has a plurality of, then = the management card 3 1 respectively recharge the corresponding mother card (4) The amount of the stored value of the 2 1 1 store is 3丄χ, and the total amount of the management card I and the card stored value of 2 1 i is not more than the stored value of the mother card 2 work minus / Ι-γγτ.贯施财, consumer _ _ 消 # card 4 - the stored value of the storage tip can be preset to this ^ ^, can be " ^ card H Sha Fei who can use the consumer card 4 to (four) City Carrying Ming, °Haimen City 'Xiao Fei her 3 door security card 3 2 certification the consumer card 4 ^ 'can be used for the consumer card 4 to recharge the stored value of 4 1 = fee! 4 After recharging, the stored value of the management card 31 is 3 = ^ not 1 in the 4 credit card recharge amount, and the store value is limited to 3 1 so that the stored value 41 can not be greater than the store value of 3 10 200917138 The consumer can also cancel in the store; card = city consumer module 3 store 2 yuan = ί::: fee, the store consumer module 3 and the consumer card 4: minus 5 Xuan consumption. It can be connected to the P〇S (P°lnt_) system, and the network or the Internet (I-et) can be connected to the industry, even with the end-end machine through the enterprise network ==1) or dial-up. The enterprise connection 乂 = POS f industry (four) line consolidation. Saki enterprises can use the P0S system to end the machine's and can connect to the corporate network or the Internet or dial I, the financial institution to connect, and the financial and 1 will make the #被慎 in the guarantee account f = The consumption of the τ & Rong guarantee nuclear group is liquidated to the enterprise. Where: ===”, then
融機構可匯一筆資金給該企業之一金融帳戶：=門S 個，則該企業可於-預定時間將所有門市;專來之、、肖 費額進行彙整，再與該金融機 傳采之4 可透過該消費卡4之消費，清异。如此該企業即 金融機構之擔保資產。 、漸取回該企業之擔保於該 上在被儲值在消費卡4而流通在外的總額，加 在二理卡3卜企業母卡2的總額，斜缺萄保資產。 大此利用本發明之智慧卡（IC eard)擔保模組，一方面 、;普1 亥金融機構具有一筆擔保資產，以保障消費者購買之 保於’另一方面’企業可因-消費者之消費，而減少擔 保於邊金融機構之擔保資產之負擔。 ° 而於利用上述機制，該企業;_具有複數個直營門市與 加}門市’針對該等加盟門市亦可直接提供一筆擔保資產 200917138 nr而該企業可直接對該加盟門市之管理卡進" 值，:使得該等加盟門市可自行發行消費卡。卡進仃充 請參考圖二，係為依據本實施例之— 擔保方法之步驟流程圖，係利用一金融^^卡^伽） =之消費卡，其步驟包括:由該企：二擔㈡ 於_幾構S101;該企業根據該擔保 ==貝產 企業之消費卡S1 〇 3 ;於該金融機構，—全 丁3玄 根據該金融機構中之擔保資產，以對—企; :、该擔保資產之母卡儲值額S1 〇 5 ;於該企業中，」辈 儲值模組係根據該企業母卡中” 止業 管理卡八則古…二 卡储值領’以對複數個 7 .於：該母卡儲值額之門市儲值額S1 ◦ 、、宙眷+ 根據該管理卡之門市儲值額，對複數個 4費卡★別充值-儲值額S1 Q 9 該消f卡至 費一消費額時，係使該擔保資產減除該消費額S1U.节 金融機構將所減除之消費額給予該企#S1 i 3 ;其中該^ 費卡係可為-儲值卡，而原本之儲值額係預設為零。 請參閱圖三，本發明智慧卡（IC card)擔保系統之第二 貫施例之功能方塊圖。與第一實施例不同之處在於此消費 卡不是儲值卡而為電子禮券，該智慧卡擔保线係依據 ^業所欲發行之消費卡之規模，而提供於一金融機構提供 —擔保資產’而該金融機構係依據該擔保資產而允許該企 業發行複數個消費卡4，而該等消費卡4係預先 保資產，而預先充值一儲值額。 擔 換句話說，該企業係由該金融機構購買（以擔保資產來 購買）該等㈣卡4 ’該企業再直接或由該企業之門市，將 该等消費卡4分別賣與消費者，而該等消費卡4即為電子 200917138 禮券。 %，費者持有該消費卡4至該門市進行消費-消費額 :有:二::士::門市消費模組3，該門市消費模組係 普L ΐ nchSAMcard)32 ’用以認證該消 透、㈣’古、後之運作機制如同第一實施例，而後該門市传 =門市0S系統3 3或是端末機，利用企業：： 八辈、卓Lne或網際網路（Internet)或撥接等方式盥該 以將該消費額之數值傳至該企業以進行彙整， 業網二1 系統2 3或是端末機，利用企 二 （ranet)或網際網路（Internet)或#接箄方 消費額，後择^ 融機構之該擔保資產減除該 、二主失去貝η ^孟融機構亚將所減除之消費額給予該企業。 擔保^之本發明第二實施例之智慧卡dad) ㈣全融機構圖’其包括··該企業提供一擔保資產 id 之消費卡，並依據該擔保資產於該消 ===〇，!;門市消費模組具有-門市安全 費額，該門市消費模組俜佶 丁湞費一消 之該_資產減除該消費額，該金 =二=消費額給予該企#s2〇7;其中該消 清再參閱圖三，盆可靡用π^ 保系統之第-〜γ £用於本發明智慧卡（IC card)擔 不同之處在方t圖:_與第一及第二實施例 納-筆#佯次產'止業不而於發卡丽向該金融機構一次繳 筆擔保貝產’而是以實際所發行之消費卡4之儲值額 200917138 4 1，而向企業繳納相對應之該擔保資產，而該 係可為儲值卡，❿該企業於該金融機構可設置一初始額度 為零之擔保資產。 首先該消費卡4係可由該企業所發行，由於該消費卡 之該儲值額4 1係預設為零，因此該企業所發行之消費卡 4張數不錢先關。關、;肖費卡4至該門市進行充值一 =值額4 1 ’該門市係包含一門市消費模組3，該門市消 費模組係具有一門市安全卡加响μ2，用以 ==卡4。其後之運作機制如同第-實施例，而後 過門市P0S系統33與該企業連接，以將儲值 2二 至該企業以進行彙整，而該企業即可透過 統2 3 ’該金融機構連接，而使該金融機構之 忒擔保-貝產增加該儲值額4 i 儲值額4 1之擔保·。1 機構產生對應該 該消費卡至該門市進行消費—消費額， H弟二實施例，該門市消費模組3係會使該擔保資產減^ 冗額」後續該金融機構並將所減除之消費額給予該： 應之擔保資產。 、4之4費，而能領回相對 方法:ίί圖4圖其實施例之智慧卡uc 一)擔保 構，該擔保資產之額W 擔保貝產於该金融機 企業發行該企業之資產，以允許該 額也預設值為零S3 〇 !;該 ;費::儲值 融機構產生對應該儲值額 3，5刚卡至該門市進行消費-消費額 屬917138 組係會使該擔保資產 所減除之消費額給予㈣額S3 Q 5 ;該金融機構將 而補充况明的是， 广 儲值擔保系統及其 可由i融機構斟過本案之智慧卡 子禮券等，則所述的擔行消費卡，包含儲值卡、電 金融機構的資產（包含° 貝產則為金融機構的商譽、或是 之擔保品。而企業須有，、無形資產），而非企業所提供 至各門市銷售。後續的現金來換取消費卡，以發送 費額產生後，該金融^ 直或是消費則如前述-般，當消 惟，以上所述，構將所該消_給予該企業。 細說明與圖式，惟本發明最佳之-的具體實施例之詳 限制本發明，本並残限於此，並非用以 為準，凡合於本下述之申請專利範圍 在彻w獅皆侧 【圖式簡單說明】 圖一係為本發明智慧卡（IC card)擔保系統之第一實施例 之功能方塊圖； 圖一係為本發明第二實施例之智慧卡（IC card)擔保方法 之步驟流裎圖； 圖三係本發明智慧卡（IC c a r d)擔保系統之第二實施例之 功能方塊圖； 圖四係其為本發明第二實施例之智慧卡（IC c a r d)擔保方 法之步驟流程圖；以及 200917138 圖五係其為本發明第三實施例之智慧卡（IC card)擔保方 法之步驟流程圖。 主要元件符號說明】 金融擔保模组 1 金融安全卡 11 企業儲值模組 2 企業母卡 2 1 母卡儲值額 2 1 企業安全卡 2 2 企業P0S系統 2 3 門市消費模組 3 管理卡 3 1 門市安全卡 3 2 門市P0S系統 3 3 消費卡 4 儲值額 4 1 16The financial institution can remit a sum of money to one of the financial accounts of the enterprise: ==S, if the company can, at the scheduled time, all the stores will be remitted, and the amount will be collected and then transferred to the financial machine. 4 The consumption of the consumer card 4 can be made different. Thus the enterprise is the encumbered asset of the financial institution. The total amount of the guarantee that the enterprise is guaranteed to be circulated on the consumer card 4 is added to the total amount of the parent card 2 of the second card, and the assets are slanted. In this case, the smart card (IC eard) guarantee module of the present invention is used, on the one hand, the Puhai financial institution has a guarantee asset to protect the consumer's purchase from the 'other side' enterprise-cause-consumer Consumption, while reducing the burden of guarantees on the financial assets of the financial institutions. ° In the use of the above mechanism, the company; _ has a number of direct sales and plus} store 'for these franchise stores can also directly provide a guarantee asset 200917138 nr and the enterprise can directly enter the management card of the franchise store Value:: Allows these franchisees to issue their own consumption cards. Please refer to FIG. 2 for the card charging, which is a flow chart of the steps of the guarantee method according to the embodiment, which is a consumption card using a financial ^^ card ^ gamma), and the steps include: by the enterprise: two bears (two) _Synthesis S101; the enterprise is based on the guarantee == the consumer card S1 〇3 of the shellfish enterprise; in the financial institution, the guarantor 3 Xuan is based on the guarantee assets in the financial institution, to the right-to-business; The value of the mother card of the asset is S1 〇5; in this enterprise, the “generation value module” is based on the enterprise’s mother card, “the business management card, the eight-year-old...two-card storage value collar”, and the plural number.于: The stored value of the stored value of the mother card S1 ◦ , , 眷 眷 根据 根据 根据 根据 根据 根据 根据 根据 根据 根据 根据 根据 根据 根据 根据 根据 根据 根据 根据 根据 根据 根据 根据 根据 根据 根据 根据 根据 根据 根据 根据 根据 根据 根据 根据 根据 根据 根据 根据 根据 根据 根据 根据 根据 根据 根据 根据When the amount of consumption is reduced, the amount of the subsidy is deducted from the amount of the S1U. The financial institution gives the deducted consumption amount to the enterprise #S1 i 3; wherein the fee card can be a stored value card, and The original stored value is preset to zero. Please refer to Figure 3 for a functional block diagram of the second embodiment of the IC card warranty system of the present invention. The first embodiment differs in that the consumer card is not a stored value card but an electronic gift certificate. The smart card guarantee line is provided by a financial institution to provide a guarantee asset according to the size of the consumer card to be issued by the industry. The financial institution allows the enterprise to issue a plurality of consumer cards 4 based on the secured assets, and the consumer cards 4 are pre-guaranteed assets and are pre-charged with a stored value. In other words, the financial institution is the financial institution. Purchase (to purchase by guarantee assets) These (4) cards 4 'The enterprise then sells the consumer cards 4 directly to the consumer directly or by the store of the enterprise, and the consumer cards 4 are electronic 200917138 gift vouchers. The fee holder holds the consumer card 4 to the store for consumption-consumption: there are: two::::: the consumer module 3, the store consumer module is L ΐ nchSAMcard) 32 'to authenticate the consumer Transparency, (4) 'Ancient and post-operational mechanism is like the first embodiment, and then the store is = the door 0S system 3 3 or end-end machine, using the enterprise:: eight generations, Zhuo Lne or the Internet (Internet) or dial-up Etc. The value is transmitted to the enterprise for consolidation, and the industry network 2 1 system 2 3 or end-end machine, using the enterprise 2 (ranet) or the Internet (Internet) or #接箄方 consumption, after the selection of the organization The amount of the deduction of the encumbered assets, the loss of the second main loser, and the amount of the deduction of the Mengrong organization, will be given to the enterprise. The security card of the second embodiment of the invention is guaranteed (d) · The company provides a consumption card with a guarantee asset id, and according to the guarantee asset, the ====〇;; the consumer module has a --store security fee, the store consumption module The _asset is deducted from the consumption amount, the gold = two = the amount of consumption is given to the enterprise #s2〇7; wherein the clarification is further referred to Figure 3, the basin can be used for the π^ security system - γ £ for this Invented smart card (IC card) has different points in the square t: _ with the first and second embodiments, the nano-pen #佯次产's business is not in the case of the carriage to pay the pen to the financial institution 'It is to pay the corresponding guarantee assets to the enterprise with the stored value of the actual consumption card 4 of 200917138 4 1, and the The system may be a stored value card, and the enterprise may set a guarantee asset with an initial quota of zero at the financial institution. First, the consumer card 4 can be issued by the enterprise. Since the stored value of the consumer card is preset to be zero, the number of the consumer cards issued by the enterprise is not the first. Off,; Xiao Feika 4 to the store to recharge a = value of 4 1 'The store contains a consumer module 3, the store consumer module has a store security card plus μ2 for == card 4. The subsequent operation mechanism is like the first embodiment, and then the store P0S system 33 is connected with the enterprise to store the value 2 to the enterprise for consolidation, and the enterprise can be connected through the financial institution. And the guarantee of the financial institution - the shellfish production increases the value of the stored value of 4 i stored value of 4 1 guarantee. 1 The institution generates a consumption-consumption amount corresponding to the consumption card to the store, and the second embodiment of the second generation, the consumer module 3 of the store will reduce the amount of the guarantee asset by the amount of the credit institution, and the financial institution will be deducted. The amount of consumption is given to: the encumbered assets. 4, 4, and can get back the relative method: ίί Figure 4 is the smart card of its embodiment. 1) The guarantee structure, the amount of the guarantee asset W is guaranteed by the financial machine enterprise to issue the assets of the enterprise, Allow the amount to also be preset to zero S3 〇!;; fee:: The stored value of the institution generates the corresponding stored value of 3,5 just card to the store for consumption-consumption amount of 917138 group will make the guarantee asset The deducted consumption amount is given to (4) the amount S3 Q 5; the financial institution will supplement the situation, the wide-storage value guarantee system and its smart card gift vouchers that can be passed through the case by the i-finance institution, etc. Consumer card, including the stored value card, the assets of the financial institution (including the goodwill of the financial institution, or the collateral of the financial institution, and the enterprise must have, intangible assets), rather than the enterprises provide to the various stores Sales. Subsequent cash is exchanged for the consumption card. After the payment is made, the financial or consumption is as described above. When it is eliminated, as described above, it will be given to the enterprise. The detailed description of the present invention is intended to be limited to the details of the invention, and the invention is not limited by the scope of the invention. BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a functional block diagram of a first embodiment of an IC card security system of the present invention; FIG. 1 is a method for securing an IC card according to a second embodiment of the present invention; Figure 3 is a functional block diagram of a second embodiment of the IC card security system of the present invention; Figure 4 is a step of the method for securing an IC card according to a second embodiment of the present invention; Flowchart; and 200917138 FIG. 5 is a flow chart showing the steps of the smart card (IC card) guarantee method according to the third embodiment of the present invention. Explanation of main component symbols] Financial guarantee module 1 Financial security card 11 Enterprise stored value module 2 Enterprise mother card 2 1 Mother card stored value 2 1 Enterprise security card 2 2 Enterprise P0S system 2 3 Door consumer module 3 Management card 3 1 Door security card 3 2 Store P0S system 3 3 Consumer card 4 Stored value 4 1 16