TW200926025A - Method for making expenditure and payments using intelligent bills and the device with the same - Google Patents

Method for making expenditure and payments using intelligent bills and the device with the same Download PDF

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TW200926025A
TW200926025A TW96148014A TW96148014A TW200926025A TW 200926025 A TW200926025 A TW 200926025A TW 96148014 A TW96148014 A TW 96148014A TW 96148014 A TW96148014 A TW 96148014A TW 200926025 A TW200926025 A TW 200926025A
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payment
information
smart
terminal
data stream
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TW96148014A
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Chinese (zh)
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TWI360785B (en
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Wei-Qing Su
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Financial Information Service Co Ltd
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Abstract

This invention provides a method for spending and making payments using intelligent bills and the device with same, where an intelligent billing equipment is cooperated with payment equipment and connected to a terminal by means of an intelligent bill. A contactless communication interface serves as a transmission interface for communication. This invention can be implemented in over-the-counter spending mode, non-over-the-counter spending mode or network payment service. This invention allows the consumers to clearly understand whether the details and amount of the spending is correct prior to payment, and to proceed to payment upon confirming of no mistake so as to reduce consumer disputes.

Description

200926025 九、發明說明： 【發明所屬之技術領域】 其俾特別關於一種使用智慧帳單 本發明係一種消費付款的方法 進行消費付款的方法。 【先前技術】 目前使用付款卡進行消費賴式可分為幾種： 1 ’舉例來說’當消費者去大賣場購物，消費者是在收銀櫃 二〜端機進行消費付款的動作’大賣場的收銀員制費者挑選200926025 IX. INSTRUCTIONS: [Technical field to which the invention pertains] In particular, it relates to a method of using smart bills. The present invention is a method of making payments for consumer payment. [Prior Art] At present, the use of payment cards for consumption can be divided into several types: 1 'For example, when consumers go to hypermarkets, consumers are in the cashier's cabinet 2 to end the consumer payment action' hypermarket Cashier maker selection

’轉職上薩料幕會触最後的總 金額n肖費者触付款卡付款。 2·非臨，消費，舉例來說，當消費者去⑽唱歌，於結帳時，^ 業，提供消費者不需要在收銀概台前付款之服務，由⑽之服務員 持f、費明細單及消費者之付款卡至收麵台前祕端機付款。 备消費者去大賣場購物時，多半只看見終端機上的顯示榮幕列出 後U額’雖然每—商品及其單價或許也會在終端機上的顯示榮 閃而逝』’但大部分的消費者都不知道『最後總金額』對或者不 對。 β 在大賣場購物時，如果消費者想要清楚知道購物明細，必須等消 費者付款後由終端機列印出來的發票出來，消費者才能查看購物明 細。換言之，臨櫃消費時，消費者是在不甚清楚的情況下進行付款。 在KTV非臨櫃消費時，更容易出現所謂的非法使用付款卡的問 題，換言之，非臨櫃消費時，可能也會出現消費者是在不知情的情況 下進行付款。 / 為此，本發明提出一種使用智慧帳單消費付款的方法及其裝置， 以改善上述缺失。 【發明内容】 本發明之主要目的在提供一種使用智慧帳單消費付款的方法及其 5 200926025 ====針娜綱，_前，能清 裝置=======費付款的方法及其 上，本發明提供—種使用智慧帳單消f付款的方法 作為傳輸介面;配，並利用非接觸通訊介面 付款設備之冰$慧帳單 建付款設備之中，或者獨立於 卜，而付款設備可以為一種便攜式電子裝置，如手機、 隨身聽等。本發明可以應用在臨播消費模式非=費 時^付j路交易等’本發明能讓消f者在使用付款卡等塑谬貨幣 产權付:Γ能清楚瞭解消f明細與金額是否正確，確認無誤後再 授權付认，藉以降低消費糾紛的發生。 底下藉由具體實施例配合所附的圖式詳加說明，當更容 發明之目的、技術内容、特點及其所達成之功效。 ’、 【實施方式】 社要精神在於，改善财付款卡_膠牌於付款時， 道自己消费明細為何’及解決商家可能非法使用消 帳單說明本發明，以下說明本發明的—實施例，其使用智慧 帳早賴付妨法咖轉輯，請麵第 終端機12、智慧帳單14、付款設備16。 ^ 實施财，智慧帳單14是—個可以攜帶、能被移動的物品， \併參照第二圖，智慧帳單14包括晶片載體22，晶片載體&也可 =:標_9)。晶片載體22内有一空間，可以容置第一非接觸通訊 "面24、微處理器26、記憶體28，第一非接觸通訊介面24，可接收 或傳^至J -數據流(此數據流包括消費明細數據流、付款資訊數據流 及付款授權資訊流），微處理器26係與第一非接觸通訊介面％連接， 6 200926025 主要是在處理來自第一非接觸通訊介面的數據流(此數據流包括消費 明細數據流、付款資訊數據流及付款授權資訊流）。智慧帳單14還包 括有一個記憶體28，記憶體28與微處理器26連接，微處理器26能 藉由記憶體28儲存數據流(此數‘流包括消費明細數據流、付款資訊 數據流及付款授權資訊流）。另外’本發明係使用非接觸通訊介面使得 終端機12、智慧帳單14及付款設備16進行通訊連接。其中智慧帳單 14内的第一非接觸通訊介面24’係分別與終端機的第二非接觸通訊介 面及付款設備的第三非接觸通訊介面連接。其中，上述的該等非接觸 通訊介面可以為無線射頻辨識介面(RFID)。‘Transfer of the Saskatchewan will touch the final total amount of money. 2. Non-pro, consumption, for example, when the consumer goes to (10) to sing, at the time of checkout, the service provides the service that the consumer does not need to pay before the cashier, and the waiter (10) holds the fee and the fee list. And the consumer's payment card to the front of the reception desk to pay. When consumers go to the hypermarket to shop, most of them only see the display on the terminal. After the list is displayed, the U amount is 'although every item and its unit price may also disappear on the terminal.' But most of them Consumers do not know whether the "last total amount" is right or wrong. β When shopping in a hypermarket, if the consumer wants to know the details of the purchase, he or she must wait for the invoice issued by the terminal after the consumer pays, so that the consumer can view the shopping details. In other words, when the counter is consumed, the consumer makes the payment without knowing it. When KTV is not used, it is more prone to the so-called illegal use of payment cards. In other words, when it is not used, consumers may also pay without knowing it. / To this end, the present invention proposes a method of using smart bill to pay for payment and its apparatus to improve the above-mentioned deficiency. SUMMARY OF THE INVENTION The main object of the present invention is to provide a method for using a smart bill to pay for a payment and a method for the payment of the fee ======= In the above, the present invention provides a method for using a smart bill to disburse payment as a transmission interface; and using the non-contact communication interface payment device to make payment in the ice bill, or independent of the payment. The device can be a portable electronic device such as a cell phone, a walkman, and the like. The invention can be applied to the temporary consumption consumption mode, non-time-consuming, payment, etc. The present invention enables the consumer to pay for the use of a payment card or the like in a plastic currency: Γ can clearly understand whether the details and the amount are correct, After confirming the correctness, the authorization will be authorized to reduce the occurrence of consumer disputes. The details of the invention, the technical content, the features and the effects achieved are described in detail by the specific embodiments and the accompanying drawings. ', [Embodiment] The spirit of the society is to improve the financial payment card _ when the card is paid, how to make the details of the consumer's own payment and to solve the problem that the merchant may illegally use the cancellation statement, the following describes the embodiment of the present invention, It uses the smart account to pay for the transfer of the law, please call the terminal 12, smart bill 14, payment device 16. ^ Implementing the wealth, the smart bill 14 is an item that can be carried and can be moved, and with reference to the second figure, the smart bill 14 includes the wafer carrier 22, and the wafer carrier & can also be =: mark _9). The wafer carrier 22 has a space therein for accommodating the first contactless communication surface 24, the microprocessor 26, the memory 28, and the first contactless communication interface 24 for receiving or transmitting to the J-data stream (this data The stream includes a consumption detail data stream, a payment information data stream, and a payment authorization information stream. The microprocessor 26 is connected to the first contactless communication interface %, and the 200926025 is mainly for processing the data stream from the first contactless communication interface ( This data stream includes the consumer detail stream, the payment information stream, and the payment authorization stream. The smart bill 14 also includes a memory 28, which is coupled to the microprocessor 26, and the microprocessor 26 can store the data stream via the memory 28 (this number stream includes the consumer detail stream, the payment information stream) And payment authorization information flow). Further, the present invention uses the contactless communication interface to cause the terminal 12, the smart bill 14 and the payment device 16 to communicate. The first contactless communication interface 24' in the smart bill 14 is respectively connected to the second non-contact communication interface of the terminal and the third non-contact communication interface of the payment device. The non-contact communication interface may be a radio frequency identification interface (RFID).

繼續說明本實施例實際使用時的流程及架構，請同時參照第三圖 及第四圖。 首先進行步驟S12及步驟S14 ’商家利用收銀榧檯旁的終端機 12上的輸入介面輸入商品明細及金額並經處理器處理，全部輸入完畢 後’將智慧帳單14靠近終端機12，終端機12會利用第二非接觸通訊 介面54與第一非接觸通訊介面52連接，將消費明細及付款資訊(即消 費明細數據流、付款資訊數據流)寫入智慧帳單卡14中。 接著進行步驟S16 ’將智慧帳單μ靠近付款設備16，付款設備 16内含第三非接觸通訊介面56、微處理器66及記憶體邱及一付款 應用程式34位於記憶體68 β，付款設備16可以藉三 ^ =面56及微處理器66，利用付款應用程式34，讀取消 政貝訊(即賴明細數據流、付款資訊數據流)。再來進行步驟si8，於 ^叹備1 ^上將》肖費明細及付款資訊顯示出來’讓消費者瞭解講買商 品、種類、單價、總金額、付費日期等。然後 幕/出現是否進行交易的選項，如選擇否，則進行_=顯= 如選擇是，則進行步驟S22，付款應用 / 上的付款晶片32,請求付款晶片 ° 付指權資訊(即付款授權資訊數據流）。當付款晶片32設定 7 200926025 執行付款授權需執行使用者認證（如以密碼驗證）時，則可於請求付 款晶片32產生付款授權資訊前’讓使用者透過付款應用程式34完成 付款晶片32的相關認證。然後進行步驟S24，將付款授權資訊寫入智 慧帳單14中。 ^ 接績進行步驟S26及步驟S28，將智慧帳單14再次靠近終端機 12 ’讓終端機12讀取付款授權資訊’終端機12之處理器可利用一網 路介面與後台交易授權系統連接，並藉由後台交易授權系統處理後續 付款的作業。Continuing with the flow and architecture of the present embodiment, please refer to the third and fourth figures. First, step S12 and step S14 are performed. The merchant inputs the product details and the amount by using the input interface on the terminal 12 next to the cash register platform, and the processor processes the data. After all the input is completed, the smart bill 14 is brought close to the terminal device 12, and the terminal device The second contactless communication interface 54 is used to connect to the first contactless communication interface 52, and the purchase details and payment information (ie, the consumption detail data stream and the payment information data stream) are written into the smart billing card 14. Next, proceeding to step S16, 'the smart bill μ is close to the payment device 16, the payment device 16 includes the third contactless communication interface 56, the microprocessor 66 and the memory and a payment application 34 are located in the memory 68 β, the payment device 16 can use the payment application 34 to read and cancel the political newsletter (ie, the data stream, the payment information data stream). Then proceed to step si8, and display the "Xia Fei Ming and payment information" on the sigh 1 ^ to let consumers know about the purchase price, type, unit price, total amount, payment date, etc. Then the screen/option of whether to conduct the transaction, if no, then _=display = If yes, proceed to step S22, the payment application / on the payment chip 32, request payment wafer ° payment information (ie payment authorization) Information flow). When the payment chip 32 is set to 7 200926025 to perform the payment authorization to perform user authentication (such as password verification), the user can complete the payment chip 32 through the payment application 34 before requesting the payment chip 32 to generate the payment authorization information. Certification. Then, in step S24, payment authorization information is written in the smart bill 14. ^ Steps S26 and S28, the smart bill 14 is brought closer to the terminal 12' to let the terminal 12 read the payment authorization information. The processor of the terminal 12 can be connected to the background transaction authorization system by using a network interface. The subsequent payment is processed by the back-end transaction authorization system.

付款設備16與智慧帳單14是分開的，如終端機12位於收銀櫃檯 旁，本實施例主要應用於非臨櫃消費的模式。另外，付款設備可以是 一種便攜式顯示裝置，如手機、PDA或數位隨身聽等。 以下繼續介紹另一種實施例，本實施例的實施步驟與上一實施例 相同故不f述，僅強調本實施例與上—實酬不同之處，本實施例係 將付款設備44與智•慧帳單46結合在一起，智慧帳單仍係内建於付款設 備之中，請參考第五®。本實施例中終端機42利用第五非接觸通訊介 面62與付款設備44上的第四非接觸通訊介面64連接。 本實施例中的付款設備44，包括智慧帳單46、第四非接觸通訊介 面64、微處理器70、記憶體72、付款晶片5〇，及一付款應用程式 位於記憶體72内’付款設備44可以藉由第四非接觸通訊介面44 ^微處理器7G，_付款應祕式明，讀取㈣_及付款資訊(即 ’費明細數據流、付政資訊數據流）。本實施例係將智慧帳單邮與付 款設備42加以結合，如終端機42值於收銀觀旁，本實施例主要應 用在臨樞消費的模式；如終端機設於網咖或者消費者家中等處，則可 =提^消費者進行網際網路付款服務。另外，付款設備同樣可以是一 種便攜式顯示裝置，如手機、PDA或數位 本發明可以顧在另—種實_，如第六_示 述兩種實施例的結合，g卩將第胃ψ ” I7將第五圖中的付款設備44應用在第三圖中， 8 200926025 此時付款設備44會把智慧帳單46當作不存在，因此，本實施例的實 施步驟係與第三圖的實施例會完全相同。 唯以上所述者，僅為本發明之較佳實施例而已，並非用來限定本 發明實施之範圍。故即凡依本發明申請範圍所述之形狀、構造、 及精神所為之均等變化或修飾’均應包括於本發明之申請專 ' 【圖式簡單說明】 ° 第一圖係本發明之一實施例之實施架構圖。 第二圖係本發明之一實施例之智慧帳單示意圖。The payment device 16 is separate from the smart bill 14. If the terminal 12 is located next to the cashier counter, this embodiment is mainly applied to the mode of non-family consumption. Alternatively, the payment device can be a portable display device such as a cell phone, PDA or digital walkman. In the following, another embodiment will be further described. The implementation steps of this embodiment are the same as those of the previous embodiment, and are not described. Only the difference between the embodiment and the previous payment is emphasized. In this embodiment, the payment device 44 and the smart device are provided. The Hui bills 46 are combined and the smart bills are still built into the payment device. Please refer to the fifth®. In the present embodiment, the terminal unit 42 is connected to the fourth contactless communication interface 64 on the payment device 44 by means of the fifth contactless communication interface 62. The payment device 44 in this embodiment includes a smart bill 46, a fourth contactless communication interface 64, a microprocessor 70, a memory 72, a payment chip 5, and a payment application located in the memory 72. 44 can be used by the fourth contactless communication interface 44 ^ microprocessor 7G, _ payment should be secret, read (four) _ and payment information (ie 'expendable data stream, financial information stream". In this embodiment, the smart billing is combined with the payment device 42. For example, the terminal 42 is valued by the cash register. This embodiment is mainly applied to the mode of the temporary consumption; for example, the terminal is set in the Internet cafe or the consumer's home. At that point, you can = help consumers to make Internet payment services. In addition, the payment device can also be a portable display device, such as a mobile phone, a PDA or a digital device, and the invention can be combined with another embodiment, such as the combination of the two embodiments, the first embodiment of the two embodiments, Applying the payment device 44 in the fifth figure to the third figure, 8 200926025, at this time, the payment device 44 will treat the smart bill 46 as non-existent. Therefore, the implementation steps of this embodiment are related to the embodiment of the third figure. The above is only the preferred embodiment of the present invention, and is not intended to limit the scope of the present invention, so that the shapes, structures, and spirits described in the scope of the present application are equal. Variations or modifications 'should be included in the application of the present invention' [Simple Description of the Drawings] ° The first drawing is an architectural diagram of an embodiment of the present invention. The second drawing is a smart bill of an embodiment of the present invention. schematic diagram.

第三圖係本發明之一實施例之詳細實施架構示意圖。 第四圖係本發明之一實施例之流程示意圖。 第五圖係本發明之另一實施例之詳細實施架構示竟圖 第六圖係本發明之又一實施例之詳細實施架構示竟圖 【主要元件符號說明】 12終端機 14智慧帳單 16付款設備 22晶片載體 參 24第一非接觸通訊介面 26微處理器 28記憶體 32付款晶片 34付款應用程式 42終端機 44付款設備 200926025 46智慧帳單 48付款應用程式 50付款晶片 52第一非接觸通訊介面 54第二非接觸通訊介面 56第三非接觸通訊介面 62第五非接觸通訊介面 ❹ 64第四非接觸通訊介面 66微處理器 68記憶體 70微處理器 72記憶體The third figure is a schematic diagram of a detailed implementation architecture of an embodiment of the present invention. The fourth figure is a schematic flow chart of an embodiment of the present invention. 5 is a detailed implementation architecture of another embodiment of the present invention. FIG. 6 is a detailed implementation diagram of another embodiment of the present invention. [Main component symbol description] 12 terminal machine 14 smart bill 16 Payment device 22 wafer carrier 24 first contactless communication interface 26 microprocessor 28 memory 32 payment chip 34 payment application 42 terminal 44 payment device 200926025 46 smart bill 48 payment application 50 payment chip 52 first non-contact Communication interface 54 second contactless communication interface 56 third contactless communication interface 62 fifth contactless communication interface ❹ 64 fourth contactless communication interface 66 microprocessor 68 memory 70 microprocessor 72 memory

Claims (1)

200926025 十、申請專利範面·· 1. -種使用智慧帳單料付款的方法，其係包括下列步琢： 透過終端機，將消費者購買商品的一消費明細及一付款資訊，寫 入一智慧帳单； 利用一付款設備擷取該智慧帳單内之該消費明細及該付款資訊，並 將該消費明細及該付款資訊顯示於該付款設備上之一顯示器，消 費者能於該顯示器上檢視該消費明細及該付款資訊； 消費者檢視軸’費明、細及該付款資訊後，該付款設備進行付款 或不付款； 如消費者利用該付款設備進行付款，該付款設備職據該付款資訊 產生-付紐權冑訊，將騎紐權銳寫减智紐單後，該 終端機讀轉智紐糾之珊紐權魏，祕端機再將該付 款授權資訊傳遞給一後台系統進行交易授權；以及 如消費者不付款，中止交易。 2.如申請專利範圍第]項所述之使用智慧帳單消費付款的方法，其中 该付款授權資訊係姻該付款設備内含之—付款晶片 應用程式產生。 ❹ 3. 如帽專概圍第1項所述之使用智慧鮮消歸款的方法，其中 該付款設備、騎驗單、餅賴均时非綱軌介面^吏得 該付款設備、該智驗單、祕賴能非細通财式進行讀 寫入0 4. 如中請專概圍第1項所述之使用智紐單㈣付款的 該付款設備係一便攜式顯示裝置。 、 5_如申請專利範圍帛4項所述之使用智慧帳單消費付款的 該便攜式顯示裝置係-手機、一 PDA或一數位隨身聽。八 6. -種使用智慧帳單消費付款的方法，其係包括下列步驟： 透過-終端機’將消費者構買商品的一消費明細及一付款資訊，寫 11 200926025 入一付款設備内之一智慧帳單； 該付款設備擷取該智慧帳單内之該消費明細及該付款資訊並將該 消費明細及該付款資訊顯示於該付款設備上之一顯示器，消費者 能於該顯示器上檢視該消費明細及該付款資訊； 消費者檢視該消費明細及該付款資訊後，利賴付款設備進行付款 或不付款； 如消費者利用該付款設備進行付款，該付款設備會根據該付款資訊 產生一付概職訊，猶付款娜資訊寫人該智紐單後，兮 取該智慧帳單内之該付款授權資訊，該終端機再將該； 认授權資訊傳遞給一後台系統進行交易授權；以及 如消費者不付款，中止交易。 7 利範圍第6項所述之使用智慧帳單消費付款的方法，其中 訊係利用該付款設備内含之-付款晶片以及-二 8· 圍第6項所述之智慧帳單消費付款的方法，盆中 方式，進行躺人内含於付 Φ 9.如申請專利軸第6項所狀使购慧m帳= 該付款設備係_便攜_林置。早肖麟4方去，其中 二方法，其中 12·如申請專利範圍第6項所述之使用智慧帳單消費付款的方土 該終端機係位於一消眚去处〜—土早4費什政的方法，其中 際網路付款。”者住豕中或者一網咖，消費者可藉此進行網 •種智慧帳單’作為—終端機及—付款設備間之媒介，該智慧帳單 13. 12 200926025 包括： 一晶片載體，内有一空間； -=了非接觸通訊介面，位於該空間中，可接收或傳遞至少一數據 理器與該第一非接觸通訊介面連接，能處理來自該第一非 接觸通訊介面的數據流；以及 一體，與該微處理n連接，該微處理藉由該記舰 據流。 14·^請t利範圍第13項所述之智慧帳單，其中該終端機包括： 一 f 一非接騎齡面，係無第—雜觸通齡面通訊連接； 一處理器’與該第二祕觸通訊介面連接； - ^入介面，與該處理器連接，該終端機藉由該輸人介面獲取一消 費明細數據流及一付款資訊數據流；以及 -，與該處理器連接，該網路介面係該終端機與後台交易 授權系統之媒介。 專利範圍第13項所述之智慧帳單，其中該付款設備包括： -微處理H及-記髓，該域體喊有付款顧程式，該微處理 器利用付款應雜式智單之料明細及付款f訊顯示 息供消f者確認，轉付款⑼產生付款授權，及將付款 授權資訊寫入智慧帳單； 付秋aa片’祕據付款應聰式所傳人的付細縫據流，產生 一付款授權資訊數據流；以及 -第三非接騎齡面，係触第—非_觀介面通訊連接，能 傳遞該付款授權資訊數據流、接收該消費明細數據流及該付款資 訊數據流。 16·如申請專利範圍第15項所述之智慧帳單，更包括 位於該付款設備。 早 13 200926025 17. 如申請專利範圍第14項所述之％慧帳單，其中該第二非接觸料 ==消费明細數據流及該付款資訊數據流 款授 權資訊數據流。 18. 如申請專利範圍第13項所述 攜式顯示裝置。.‘攻之日慧帳早，其中該付款設備係一便 19. 如申請專利範圍第18項所述之智彗 係一手機、一 PDA或一數位隨身聽。 20. 如申請專利範圍第14項所述之智慧帳單 商家店面内。 ’其中該便攜式顯示裝置 ’其中該終端機係位於一 ❹21^申請專利範圍第13項所述之智慧帳單，其中該第一非接觸通訊 介面能傳遞/接收該消費明細數據流及該付款資訊數雜，傳遞/接 收該付款授權資訊數據流。 該付款設備包括 22· —種付款設備，能搭配一終端機進行付款， 一智慧帳單； 一第四非接騎齡面，無智慧鮮連接，該細非接觸通訊介 面《丁接收或傳遞至少-數據流，藉此供外部終端機讀取，寫入該 智慧帳單； 籲—微處理器及一記憶體，與該第四非接觸通訊介面連接，該記憶體 内建有付魏_式，該微處理關用付款應雜式讀取該智慧 帳單之’肖費明細及付款資訊，顯示蝴m肖費者確認，取得 付款晶片產生付款授權’及將付款授權資訊寫入該智鎌翠；以 及 一付款晶片，能根據付款應脉式所傳人的付款資訊數據流，產生 一付款授權資訊數據流。 23·=申请專利範圍第22項所述之付款設備，其中該終端機包括： 第五非接觸通訊介面，係與該第四非細通訊介面通訊連接； -處理器’與該第五非接觸通訊介面連接； 200926025 ，入介面’與該處理器連接，該終端機藉由該輸入介面獲取一消 一費明細數據流及一付款明細數據流；以及 .’與該處理器連接，該網路介面係該終端機與後台交易 抆權系統之媒介。 介面 第22項所述之付款設備，其中該付款晶片能根據 ^顧產生_付紐师缝概，域雜授權資訊 八b、’i由該第四非接觸通訊介面，傳遞給該第五非接觸通訊 25. 22項所述之付款設備’其中該付款設備係-便 26. 二::利範圍第25項所述之付款設備，其中該便攜式顯示裝置 係手機、一 PDA或一數位隨身聽。 =專利範圍第23項所述之付款設備，其中該終端機係位於- 28.3=:第23項所述之付款設備，其中該終端機係位於- ，消費者可藉此進行網際網路付款。 叫專利扼圍第22項所述之付款設備，更包括二知 Ο t = 單餘該付款設備外，該付概備可讀ϋ入 Μ第一曰慧帳早之消費明細及付款資訊。 15200926025 X. Applying for a patented version · 1. A method of using smart bill payment, which includes the following steps: Write a purchase details of a consumer's purchase and a payment information through a terminal. Smart billing; using a payment device to retrieve the consumption details and the payment information in the smart bill, and displaying the consumption details and the payment information on one of the display devices of the payment device, the consumer can be on the display Viewing the consumption details and the payment information; after the consumer inspects the axis 'failure, details and payment information, the payment device makes payment or does not pay; if the consumer uses the payment device to make payment, the payment device serves the payment The information is generated - the payment of the right to the news, after the ride of the right to write down the wisdom of the new single, the terminal machine to read the wisdom of the New Zealand, the secret of the right to transfer the payment authorization information to a back-end system Transaction authorization; and if the consumer does not pay, the transaction is aborted. 2. A method of using a smart bill to consume payment as described in the scope of the patent application, wherein the payment authorization information is generated by a payment chip application included in the payment device. ❹ 3. As for the method of using the wisdom to eliminate the repayment mentioned in item 1 of the cap, the payment device, the riding check, and the cake are all non-class interface ^The payment device, the wisdom test The single and secret affair can be read and written in a non-transfer manner. 4. 4. The payment device that uses the smart button (4) as described in item 1 is a portable display device. 5_ The portable display device using the smart bill consumption payment as described in the patent application 帛4 item is a mobile phone, a PDA or a digital walkman. VIII. - A method of using smart bills to pay for payment, which comprises the following steps: by using a terminal device to "consume a consumer's purchase details of a product and a payment information, write 11 200926025 into one of the payment devices a smart bill; the payment device retrieves the consumption details and the payment information in the smart bill and displays the consumption details and the payment information on a display on the payment device, the consumer can view the display on the display Consumption details and the payment information; after the consumer reviews the consumption details and the payment information, the payment device does not pay or does not pay; if the consumer uses the payment device to make payment, the payment device generates a payment based on the payment information. After the service, after the payment of the information, the payment information is obtained from the smart bill, and the terminal transmits the authorization information to a back-end system for transaction authorization; The consumer does not pay and suspends the transaction. 7 The method for using smart bills to pay for payment according to item 6 of the scope of interest, wherein the method of using the payment chip included in the payment device and the smart bill consumption payment method described in item 6 , in the basin mode, to carry the lying in the person to pay Φ 9. If the application of the patent axis of the sixth item to make the purchase of m account = the payment equipment is _ portable _ forest. Early Xiaolin 4 party, two of them, 12 of which, as described in item 6 of the patent application, use smart bills to pay for the payment. The terminal is located at a place where it is removed. The method of which is the internet payment. "When you live in a squat or a cyber café, consumers can use this network to make a smart bill" as a medium between the terminal and the payment device. The smart bill 13.12 200926025 includes: a wafer carrier, a space; - a contactless communication interface, located in the space, capable of receiving or transmitting at least one data processor connected to the first contactless communication interface, capable of processing data streams from the first contactless communication interface; Integral, connected to the micro-processing n, the micro-processing is carried out by the ship. 14·^ Please refer to the smart bill described in item 13 of the scope, wherein the terminal comprises: The surface is connected to the first touch interface; the first processor is connected to the second touch interface; the interface is connected to the processor, and the terminal obtains one through the input interface. a consumer detailed data stream and a payment information data stream; and - connected to the processor, the network interface is a medium for the terminal and the background transaction authorization system. The smart bill described in claim 13 of the patent, wherein pay The equipment includes: - Micro-processing H and - remembering the marrow, the domain body is called to have a payment program, the microprocessor uses the payment details of the payment and the payment information to display the information for the consumer to confirm, transfer payment (9) Generate payment authorization, and write payment authorization information into the smart bill; Fuqiu aa film 'secret payment should be sent by the Cong-song person to generate a payment authorization information data stream; and - the third non-receiving Age-aged, touches the first-non-view interface communication connection, can transmit the payment authorization information data stream, receive the consumption detail data stream and the payment information data stream. 16·Where the smart account described in claim 15 Single, and more included in the payment device. Early 13 200926025 17. The % Hui bill as described in claim 14 of the patent scope, wherein the second non-contact material == consumption detail data stream and the payment information data stream authorization Information flow. 18. The portable display device as described in claim 13 of the patent application. 'The day of the attack, the payment device is one. 19. As described in claim 18 One hand , a PDA or a digital player. 20. In the smart bill merchant store as described in claim 14 of the patent application. 'Where the portable display device', wherein the terminal system is located in the 21st patent application scope item 13 The smart bill, wherein the first contactless communication interface can transmit/receive the consumption detail data stream and the payment information data, and transmit/receive the payment authorization information data stream. The payment device includes 22-type payment Equipment, can be used with a terminal for payment, a smart bill; a fourth non-contact age, no smart fresh connection, the fine non-contact communication interface "Ding receives or transmits at least - data stream, thereby providing external terminals The machine reads and writes the smart bill; the call-microprocessor and a memory are connected to the fourth non-contact communication interface, and the memory body has a payment type, and the micro-processing payment is mixed. Read the 'Wofei's details and payment information of the smart bill, display the confirmation of the payment, obtain the payment authorization from the payment chip' and write the payment authorization information to the Zhijiu; A wafer payment, the payment can be in accordance with the pulse formula successor payment information data stream, generates a payment authorization information data stream. The payment device of claim 22, wherein the terminal device comprises: a fifth non-contact communication interface, which is in communication with the fourth non-fine communication interface; - the processor is non-contact with the fifth a communication interface is connected; 200926025, the interface is connected to the processor, and the terminal obtains a detailed data stream and a payment detail data stream through the input interface; and 'connects to the processor, the network The interface is the medium for the terminal and the back-end transaction system. The payment device of item 22, wherein the payment chip can be generated according to the method, and the domain authorization information VIIIb, 'i is transmitted from the fourth non-contact communication interface to the fifth non- Contacting the payment device described in Section 25.22, wherein the payment device is a payment device as described in item 25. The portable display device is a mobile phone, a PDA or a digital walkman. . The payment device of claim 23, wherein the terminal is located at - 28.3 =: the payment device of item 23, wherein the terminal is located at -, and the consumer can thereby make an internet payment. The payment equipment referred to in item 22 of the patent is also included in the second paragraph of the payment equipment, and the payment details can be read into the consumption details and payment information of the first Huihui account. 15
TW96148014A 2007-12-14 2007-12-14 Method for making expenditure and payments using intelligent bills and the device with the same TW200926025A (en)

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
TWI640940B (en) * 2017-06-13 2018-11-11 財金資訊股份有限公司 Information exchange verification platform and method for mobile payment, computer readable recording medium and computer program product

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
TWI640940B (en) * 2017-06-13 2018-11-11 財金資訊股份有限公司 Information exchange verification platform and method for mobile payment, computer readable recording medium and computer program product

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