200929038 九、發明說明： 【發明所屬之技術領域】 本發明係-種g金融卡师扣款的方法，其鱗糊 持晶片金融卡’於㈣付款時輸人職密碼，以肖費 ====顺細級—^ 【先前技術】 信用卡在市場之運用將近二十年，持卡人以信用卡的 大致雜如下，射人將侧卡統縣，㈣家 ^ ϋ過卡，過卡之資料由讀卡機-路回傳至發卡銀行確認， 確剧§財有效’針崎確認無織㈣訊息於讀卡機 定 輸入持卡人的消費金額後，由讀卡機產生—__細交 簽名’店家再檢查信用卡背面的持卡人的簽名，店家碟認無誤後 持卡人與店家各執-份消費明細以為憑證，作為日後如有消費糾紛及 消費帳款請款的依據。不同的發卡銀行所發行的信用卡其纤帳日 一定相同。配合結帳日不同的變化外，也讓持有不同卡的人士 有不同的優惠，銀行也可以對持卡人做更多元化的促销。、’旱 〇 ^，近特生的卡航暴雜全台’以卡麟現金，或券增 費後付款等方式之消費金融業務，已然非銀行的金雞母，過多=呆帳 造成銀行的損失。先消費後付款的模式，的確有檢討的空間。且現 離線信用卡刷卡方式包括拓模信用卡正面、再以持卡人簽名作為憑證 •之方式容倾偽造，也有改善之必要^再者，信用卡遺失或遭偽冒^， 原持卡人在遺失或遭偽胃後’至通知發卡銀行掛失削卡之^間落 差，非原持卡人，如心生歹念可於刷卡後偽造簽名，再加上如店家杳 核簽名的動作不確實’或未加以辨識信用卡形式真偽 : 於逼真，則此種的偽冒盜刷損失，亦常發生。 $名過 本發明之前發行的的晶片金融卡只能進行提款、轉帳、繳稅的服 5 200929038 2。㈣泰世華銀行提供的三者合一的c〇MB〇卡，其包括晶片 卡、㈣卡、電子錢’對於持卡人使㈣刷卡料的部份，係 卡提?，其付款方式制伽卡祕格進行，故CC)mb。卡同樣丄 上述提出之信用卡缺失。而電子錢包，因係採先提存—定金額之預 方式，或以-定小額信_度自動撥人後，始能消費 蚀 用限制之$制。 Mi額上使 為此，本發明提出-種晶片金融卡消費扣款之即時扣款的方法， =別於以往侧卡的先刷卡後付款，或電枝包贱付款的消 式’以改善上述缺失。 〇 【發明内容】 本發明之主要目的’在提金融卡於、;肖冑職或勞務之 即^扣款的方法’其係由持卡人輸人—組預設密碼確認的方式，取代 先前以持卡人簽名之破認，提高交易的安全性及便利性。 本發明之另-目的’係以一種晶片金融卡消費扣款的方法提供 持卡人購買物品或勞務時，U片金融卡内之金額執行即時付款等 同現金交付。 本發明之又-目的’在提供-種日日日片金融卡消f扣款的方法當 ❹持卡人非臨櫃購物後，在七天内，持卡人可隨時退回物品給商店退 回物品時，特約商店直接於相關應用系統退款給持卡人。 本發明之又一目的，在提供一種晶片金融卡消費扣款的方法，當 持卡人購物或消費，完成扣款作業後，發現扣款金額有誤，在24小時 内，特約商店能透過端末設備或相關應用系統，即時沖正扣款金額。 - 本發明係提供一種晶片金融卡消費扣款的方法，持卡人於付款 時，能於ATM或E-ATM設備繳付款項，或於特約商店中以端末設備 或讀卡機上扣款。持卡人於特約商店消费時，可將晶片金融卡直接插 在端末設備或讀卡機上，透過特約商店内之端末設備或讀卡機，讀取 内建於晶片金融卡之金融相關資訊，或以無線辨識介面使晶片金融卡 6 200929038 與端末設備相連接。 ❹200929038 IX. Description of the invention: [Technical field to which the invention pertains] The present invention relates to a method for debiting a financial card holder, and the scale of the financial card holder of the chip is used to enter the employee's password at the time of payment, to the fee === = Sequential level - ^ [Previous technology] Credit card has been used in the market for nearly 20 years. The cardholders use the credit card as follows. The person who shoots the card will be in the county, and the card will be used. Card reader - the road is passed back to the issuing bank to confirm, the drama § is valid. 'Kizaki confirms that there is no weaving (4) message. After the card reader enters the cardholder's consumption amount, it is generated by the card reader -__fine signature] The store then checks the cardholder’s signature on the back of the credit card. After the store’s disc is correct, the cardholder and the store’s respective purchase details are used as evidence, as a basis for future consumer disputes and consumer accounts. Credit cards issued by different card-issuing banks must have the same fiber account date. In addition to the different changes on the checkout date, people with different cards have different offers, and banks can also make more diversified promotions for cardholders. , 'drought 〇 ^, near the special card voyage full of Taiwan's consumer finance business in the form of Karin cash, or coupon increase payment, etc., already non-bank golden chicken, too much = bad debts caused by bank losses . There is indeed room for review in the mode of first payment after payment. And the current offline credit card swipe method includes the extension of the credit card front side, and then the cardholder's signature as a voucher. The method is forged and forged. There is also the need for improvement. Moreover, the credit card is lost or counterfeited ^, the original card holder is lost or After being subjected to a fake stomach, the notice card will be issued to the card-issuing bank for the loss of the card. If the card holder is not the original cardholder, the card can be forged after the card is swiped, and the action such as the store’s signature is not true or not. To identify the authenticity of the credit card form: In the case of lifelike, such fake and stolen brush losses often occur. $Name The wafer financial card issued before the invention can only be used for withdrawal, transfer, and tax payment. 5 200929038 2. (4) The three-in-one c〇MB card provided by Tai Shihua Bank, which includes the chip card, (four) card, and the electronic money 'for the cardholder to make (4) the part of the card, the card is raised, and the payment method is The card secret is carried out, so CC) mb. The same card is missing from the credit card mentioned above. The e-wallet can be used to purchase the amount of the pre-existing method, or to set the minimum amount of credit to automatically limit the amount of money. In order to improve the above, the present invention proposes a method for instant deduction of debits for wafer financial card consumption, which is different from the previous card payment after the previous card, or the payment of the payment method to improve the above Missing. 〇 [Summary of the Invention] The main purpose of the present invention is to replace the previous method with the method of 'deduction of the financial card to the credit card, or the method of deduction of the payment by the cardholder. Improve the security and convenience of the transaction by breaking the signature of the cardholder. Another object of the present invention is to provide a method for debit payment of a wafer financial card. When the cardholder purchases goods or services, the amount in the U-chip financial card is executed in the form of immediate payment and the like. The method of the present invention provides a method for providing a day-to-day Japanese financial card to cancel the deduction. When the card holder is not shopping, the cardholder can return the item to the store at any time within seven days. The special store refunds the cardholder directly to the relevant application system. Another object of the present invention is to provide a method for deducting a debit of a wafer financial card. When the cardholder purchases or consumes and completes the deduction operation, the amount of the deduction is found to be incorrect. Within 24 hours, the special store can pass through the terminal. Equipment or related application system, the amount of deduction is immediately charged. - The present invention provides a method for debiting a wafer financial card. The cardholder can pay the payment at the ATM or E-ATM device at the time of payment, or debit the terminal device or the card reader in the special store. When the cardholder consumes at the special store, the chip financial card can be directly inserted into the terminal device or the card reader, and the financial related information built in the chip financial card can be read through the terminal device or the card reader in the special store. Or connect the chip financial card 6 200929038 to the end device with a wireless identification interface. ❹
端末設備係可與代理麟之倾設備树接，經代理機構透過 介機構之仲介設備，與至少—金賴構之金融設備相料，於端 ，上之輸人裝錄人消f之金賴項後；持卡人持“錢卡與端= 设備連接，由持卡人輸人至少—組預設密碼，經由晶片金融卡驗證密 碼之正確性’如驗證結果正確，由該晶片金融卡產生-簽章，該簽立 可從該端末設備被傳輸顺金融賴，㈣金融設備檢核，當=核= 果正確’可使持卡人的扣款轉鎌戶與特約商店的轉人帳戶進行 易，完成即時扣款作業，但交易需在一時間内完成，如超過該時間， 則拒絕或彳Τ止交^。另外當檢核絲不正確，也會祕或停止交易。 利用自動化服務機器進行購物付款時，持卡人可於代理機構的自 動化服務機離ΤΜ)中插入晶片金融卡，利用其存戶(轉出帳戶）内之款 進行購物付費並轉入特約商店帳戶(轉入帳戶）内。本發日月提供之晶 1金融卡，可非常彈性地結合不同行f或獨立發展相關應用，如會員 卡、現金卡、企業儲值卡及分期付款等應用。 底下藉由具體實施例配合所附的圖式詳加說明，當更容易瞭解本 發明之目的、技術内容、特點及其所達成之功效。 【實施方式】 本發明所利用的金融網路架構，可沿用目前既有的金融網路架 ’如此可節省實施上的成本’峨達到最少的成本達成目的之效果。 上述以介紹過^技術上之缺點，本發a_對此缺點提出改良手段。 本發明交易的方式可依發卡銀行、收單銀行、代理締來劃分： 發卡銀行、收單銀行、人帳銀行三者和林同、或任二者相同。 當收單銀行等於入帳銀行(假設都是匯豐銀行）、發卡銀行(假設是 國泰世華銀行）’此時需要-個仲介機構做為跨行 其架構如第一 圖所示。 ‘收單銀行(假設疋匯豐銀行）’發卡銀行(假設是匯豐銀行），此時 7 200929038 不需介機，為跨行平台。其架構如第二圖所示。 機構^。、订Γ設是第—銀行），發卡銀行(假設是華南銀行），代理 3構經收早銀韻過—個仲介機構做為跨行平台。其架構圊所 跨四、圖〜第六圖，以τ-併說明本發明之實施架構(包括有 協:5 i :行代理機構14(枚單銀行)負責與各特約商店12簽約、 ===機構14負責協調特約商店12加人此—以晶片金融卡消 26内含一幹入約商店12必需要有一端末設備26，端末設備 ©射二ΐ 讀卡機24，讀卡機24上係有-數字鍵22。 ◎=讀26係與伽職28錢接。制商店12的端末設備26利 4網路與位於代理機構14贼理設備28連接，代理麵忉的 理設備28利用單-網路與位於仲介機構16的仲介設備3〇連接， =於仲，機構16的仲介設備3〇利用單一網路，與位於發卡銀行18 二金融设備32連接及入帳銀行4〇齡融設備42連接。其中發卡銀 =18、入帳銀行40皆為金融單位(銀行），會絲筆交易的不同適度的 二變=位。舉例來說，持卡人使用國泰世華銀行發行的晶片金融卡 ，仃j費’此時發卡銀行18㈣國泰世華銀行。當持卡人使用匯豐銀 ❹行發彳T的晶麵卡付款時，此時發卡崎18即為匯豐銀行。 依據上述之金融網路架構，其跨行時(如第一圖、第三圖時、第四 圖、第六圖)消費方式包含：於特約商店12消費/自動化服務機器孙 端末設備46消費扣款交易。 1. 於特約商店12消費時，持卡人1〇能於端末設備26上將貨款由發卡 銀行透過仲介機構直接匯从帳銀行4言之，由持卡人1G轉出帳 戶(位於發卡銀行)匯到特約商店的轉入帳戶(入帳銀行）。 2. 持卡人1〇於代理機構14自動化服務機器34(ATM)上利用其存戶 (轉出帳戶）内之款項繳付特定費用，如信用卡款等交易。持卡人 購買貨物或接受服務後，於自動化服務機器34消費扣款交易，以 200929038 將^，之線金額使持卡人1Q的轉出帳戶能_仲介機構(跨 作為支付帳Γ之"交易額’轉至入帳銀嫌約商店）的轉入帳戶中， 3.持卡人1〇於代理機構14端末 戶T之款項缴付特定費用，如貨款等交易。持卡 服務後’於自動化服務機器34㈣扣款交易，以晶片金融; 時連線，使持卡人10的# 清之金額鏟s x *^ 仲介機構(跨行平台)將舰 =金額轉至人帳銀行(特_店)_人帳戶中，作為支付帳款之交 〇 Ο ^據上述之金融網路架構，其未跨行時消費方式(如第二圖 交:)易12㈣/自動化服務機器34鱗設備46消費扣款 1.=勺商店匕12消費時，持卡人10能於端末設備26上透過代理設 備28，將貨款由發卡銀行直接匯入入帳銀行。換言之由持卡人扣 =出帳戶(位於發卡銀行)匯到特約商店的轉入帳戶(入帳銀行）。 .持卡人1〇於代理機構14自動化服務機器34(atm)上利 (轉成出，戶〉内之款項繳付特定費用，如信用卡款等交易。持卡人扣 購買貨物或接受服務後，於自動化服務機器34消費扣款交易，以 晶片金融卡即時連線，透過代理· 28，使持卡人1〇的轉出帳戶 將應繳清之金額轉至入帳銀行(_商店)的轉入帳戶中，作為支付帳 款之交易。 3.持卡人10於代理機構14端末設備46(p〇s)上，利用其存戶(轉出 帳戶）内之款項繳付特定費用’如貨款等交易。持卡人1〇購買貨物 或接受服務後’於自動化服務機n 34料扣款交I以^金融卡 即時連綠，使持卡人10的轉出帳戶能利用仲介機構(跨行平台)將應 繳清之金額轉至入帳銀行(特约商店)的轉入帳戶令，作為支付帳 交易。 9 200929038 以下舉一簡單實施例，說明持卡人1〇於特約商店12消費時的消 費步驟β參照第七圖。首先進行步驟S12，將晶片金融卡與端末設 備26連接，端末設備26之輸入裝置包括一讀卡機24及數字鍵22， 晶片金融卡能直接插在讀卡機24上，或以無線辨識系統讀取晶片金融 卡上的資訊。接著進行步驟S14及步驟S16，透過一端末設備26利 用網路與代理設備28相連接，代理設備28 _網路可再與仲介設備 30連接’仲介設備30係利用網路與至少一金融設備32相連線，此處 之單一網路係指一獨立網路，以增加金融交易安全。其中，仲介設備 30係利用曰曰片金融卡之内建金融設備代號，與相對應於晶片金融卡之 〇 金融設備相連接。 然後進行步驟S18，特約店商店於讀卡機24(或端末設備)輸入消 費之金額款項，由於讀卡機24(或端末設備）内建有無線辨識系統 (Radio Frequency Identification)。物品上之標籤上裝有電路，不需 要電池。讀卡機24(或端末設備)從一段距離外間歇發射能量給標籤， 標籤上的電路即可通電，與讀卡機24(或端末設備)交換訊息 ，特約商 店12藉以使讀卡機24(或端末設備)獲取消費物品之金額款項。上述之 標籤基本上是在一塊矽晶片上加裝簡單的天線，然後以玻璃或塑膠組 =封裝而成。此外，晶片金融卡亦可内建有標籤，使讀卡機24(或端末 设備)能以無線辨識系統與晶片金融卡產生電訊連線。 接續進行步驟S2G，付麟，持卡人持⑸金融卡置於讀卡機 24(或端末設備)中，由持卡人輸入至少-組預設密碼。讀卡機24(或 端^設備)上係配置一鍵盤26以輸入密碼。持卡人1〇輸入之密碼，經 =曰曰片金融卡驗證密碼之正確性。其中，密碼係為一預設密碼此預 "又密碼係彻與金融設備32連接之—預設密碼認證裝置產生預設密 碼，持卡人10於發卡銀行辦理晶片金融卡時設定或變更預設密碼。 由於其中晶片金融卡内有運算程式，進行交易時，晶片金融卡内 之運算程式，利用轉出帳號、購物物品之金額、轉入帳號、端末設備 200929038 代號、端末設備上之端末查核碼及交易代號，算出 序號，此訊息傳送時，會將上述賴以及輸人日期、帳號金額= 定轉帳帳號)傳送至發卡銀行，發卡銀行之金融 ^ “ 簽單_是否姉，並檢核丨c卡序號衫 卡序號，如大於或等於則可進行交易，如小於原」C卡 絕交易。輸入密碼後，如檢核lc卡序號大於或等 21 -時間内，則進行步驟S22。 下厅现且於 ΟThe end-end equipment can be connected with the agent Lin Zhi's equipment, and through the agency's intermediary equipment, and at least the financial equipment of the Jin Lai structure, on the end, the input of the person to the record is eliminated. After the item; the cardholder holds the "money card and the end = device connection, the cardholder enters at least - the group default password, the correctness of the password is verified via the chip financial card", if the verification result is correct, the chip financial card Generate-signature, the execution can be transferred from the end device to the financial market, (4) financial equipment inspection, when = nuclear = correct = 'can make the cardholder's deduction to the account and the special store's transfer account It is easy to carry out the immediate deduction operation, but the transaction needs to be completed within one time. If the time is exceeded, the transaction will be refused or terminated. In addition, if the inspection wire is incorrect, it will also be secret or stop trading. When the machine makes a payment for the purchase, the cardholder can insert the chip financial card into the agent's automated service machine, use the deposit in the depositor (transfer account) to pay for the purchase and transfer to the special store account (transfer to the account) Within. The Crystal 1 financial card can be flexibly combined with different lines or independent development related applications, such as membership cards, cash cards, corporate stored value cards and installment payments. The following examples are used in conjunction with the attached drawings. In detail, it is easier to understand the purpose, technical content, features and functions of the present invention. [Embodiment] The financial network architecture utilized by the present invention can be used in the existing financial network framework. It can save the cost of implementation ' 峨 achieve the least cost to achieve the purpose of the effect. The above mentioned the technical shortcomings, the present a_ proposed improvements to this shortcoming. The method of the present invention can be based on the issuing bank, the receipt Banks and agents are divided into: the issuing bank, the acquiring bank, the personal bank, the Lintong, or both. When the acquiring bank is equal to the accounting bank (assuming HSBC), the issuing bank (assumed to be Cathay World Bank) 'At this time need - an intermediary agency as a cross-bank structure as shown in the first figure. 'Acquiring bank (assuming HSBC Bank) 'issuing bank (assumed to be sinks Bank), at this time 7 200929038 does not need to introduce a machine, is a cross-platform platform. Its structure is shown in the second figure. The organization ^., the subscription is the first bank, the issuing bank (assuming the Bank of South China), the agency 3 After receiving the early silver rhyme - an intermediary agency as a cross-platform platform. Its structure is divided into four, Figure ~ sixth figure, with τ - and explain the implementation structure of the present invention (including the association: 5 i: line agency 14 (single bank) is responsible for signing with each special store 12, === agency 14 is responsible for coordinating the special store 12 plus this - the wafer financial card eliminates 26 contains a dry access store 12 must have a terminal device 26, terminal equipment © Shooting 2 读 Card reader 24, the card reader 24 is equipped with a - number key 22. ◎ = Read 26 series and Jia Shi 28 money connection. Shop 12 end-end equipment 26 Li 4 network and located at the agency 14 thief The device 28 is connected, and the agent device 28 is connected to the intermediary device 3 located at the intermediary device 16 by using a single-network, and the intermediary device 3 of the organization 16 uses a single network and is located at the issuing bank 18 The second financial device 32 is connected and the bank 4 is connected to the bank. Among them, the issuing card is silver=18, and the bank 40 is the financial unit (bank), which will have different moderate changes in the wire transaction. For example, the cardholder uses the chip financial card issued by Cathay China Bank, and the card issuer bank 18 (four) Cathay United Bank. When the cardholder uses HSBC Silver's face card payment, then Kasaki 18 is HSBC. According to the above financial network architecture, the consumption mode of the inter-banking (such as the first picture, the third picture, the fourth picture, the sixth picture) includes: deducting the deduction of the consumer/automation service machine sun-end device 46 at the special store 12 transaction. 1. At the time of the special store 12 consumption, the cardholder can transfer the payment from the issuing bank through the intermediary bank directly to the account bank 4, and the cardholder 1G will transfer the account (located at the issuing bank). Transfer to the transfer account of the special store (accounting bank). 2. The cardholder 1 uses the funds in his depositor (outgoing account) to pay a specific fee, such as a credit card payment, on the agent 14 automated service machine 34 (ATM). After the cardholder purchases the goods or accepts the service, the customer purchases the debit transaction at the automated service machine 34, and the amount of the line of the cardholder 1Q can be transferred to the account of the cardholder 1Q (intersection as a payment account). The transaction amount is transferred to the transfer account of the account of the bank account. 3. The cardholder pays a specific fee, such as payment for goods, at the end of the agency 14 terminal. After the card service, 'automatic service machine 34 (four) deduction transaction, to wafer finance; time connection, so that cardholder 10's clear amount sx sx * ^ agency (cross-platform platform) to transfer the ship = amount to the account Bank (special_shop)_People account, as payment account payment ^ According to the above financial network structure, its non-cross-line consumption mode (such as the second picture:) Easy 12 (four) / automated service machine 34 scales When the device 46 consumes the deduction 1.=spoon store 匕12 consumption, the cardholder 10 can use the proxy device 28 on the terminal device 26 to directly transfer the payment from the issuing bank to the accounting bank. In other words, the cardholder deducts the account (located at the issuing bank) and transfers it to the transfer store of the special store (accounting bank). The cardholder 1 is at the agency 14 automated service machine 34 (atm) on the profit (transfer into the household) to pay a specific fee, such as credit card payments, etc. After the cardholder deducts the goods or receives the service In the automated service machine 34, the debit transaction is exchanged, and the chip financial card is instantly connected. Through the agent 28, the cardholder's transfer account is transferred to the account bank (_store). Transfer to the account as a transaction to pay the account. 3. Cardholder 10 on the agent 14 end device 46 (p〇s), using the deposit in its depositor (transfer account) to pay a specific fee 'such as payment After the transaction, the cardholder can purchase the goods or receive the service. ) Transfer the amount due to be transferred to the transfer account order of the credit bank (special store) as the payment account transaction. 9 200929038 The following is a simple example to illustrate the consumption of the cardholder when it is consumed by the special store 12 Step β refers to the seventh figure. First, step S12 is performed to crystal The chip financial card is connected to the terminal device 26, and the input device of the terminal device 26 includes a card reader 24 and a numeric keypad 22. The chip financial card can be directly inserted into the card reader 24, or read on the chip financial card by the wireless identification system. Then, step S14 and step S16 are performed, and the network device is connected to the proxy device 28 through the network device at one end, and the proxy device 28_network can be connected to the intermediary device 30. The intermediary device 30 utilizes the network and at least one financial The device 32 is connected to a line, and the single network here refers to a separate network to increase the security of the financial transaction. Among them, the intermediary device 30 utilizes the built-in financial device code of the chip financial card, and corresponds to the chip finance. The card is connected to the financial device. Then, in step S18, the special store stores the amount of money spent on the card reader 24 (or the terminal device), because the card reader 24 (or the terminal device) has a wireless identification system (Radio) Frequency Identification. The label on the item is equipped with a circuit that does not require a battery. The card reader 24 (or the end device) intermittently emits energy from a distance to the label, on the label. The circuit can be powered up to exchange messages with the card reader 24 (or end device), whereby the store 12 allows the card reader 24 (or end device) to obtain the amount of the consumer item. The label is basically on a single wafer. A simple antenna is installed and then packaged in glass or plastic group =. In addition, the chip financial card can also be built with a tag, so that the card reader 24 (or terminal device) can be generated by the wireless identification system and the chip financial card. Telecommunications connection. Continue to step S2G, Fu Lin, the card holder holds (5) the financial card is placed in the card reader 24 (or the terminal device), and the cardholder inputs at least the group preset password. The card reader 24 (or A keyboard 26 is configured to input a password. The cardholder enters the password and verifies the correctness of the password via the = financial card. Wherein, the password is a preset password, and the password is connected to the financial device 32. The preset password authentication device generates a preset password, and the cardholder 10 sets or changes the pre-determination when the card issuing bank processes the chip financial card. Set a password. Since there is a calculation program in the chip financial card, when the transaction is performed, the calculation program in the chip financial card uses the transfer account number, the amount of the shopping item, the transfer account number, the 200929038 code of the terminal device, the terminal check code and the transaction on the terminal device. Code, calculate the serial number, when the message is transmitted, the above-mentioned Lai and the date of the account, the account amount = the transfer account number will be transmitted to the issuing bank, the financial bank of the issuing bank ^ "Signing _ is 姊, and check the 丨c card number shirt The card serial number, if greater than or equal to, can be traded, such as less than the original "C card" transaction. After the password is input, if it is checked that the lc card number is greater than or equal to 21 - time, step S22 is performed. The lower hall is now and 于
進行步驟S22 ’持卡人可侧該端末設備，使持卡人的扣款轉出 帳戶與轉人帳戶進行交易，即時完成扣款作^如檢核丨c卡序號小於 原丨C卡序號則進行步驟S24。 、 輸入密碼後’如檢核丨C卡序號大於或等於原丨C卡序號且非於一 時間内，則進行步驟S24，停止該交易。 輸入密碼後’如檢核丨C卡序號小於原1C卡序號，則進行步驟 S26,停止該交易。 貨政係持卡人10購買物品後的當曰，一定會直接從轉出帳戶匯入 特约商店12的轉入帳戶，此點與以往先消費後付款或預付款項的方式 不同，持卡人10之晶片金融卡内之金錢，如低於貨款時，交易是無法 執行的。本發明加入需於密碼輸入後一「時間」内必須完成交易，否 則視為無效，此點亦是為確保持卡人1〇免遭盜刷的疑慮。 另外’本發明提出之晶片金融卡，亦提供退款的服務，當持卡人 10消費且完成扣款作業後，欲退回購買之物品，可通知特約商店12 透過端末設備26或相關應用系統，進行退款的動作，持卡人1〇毋需 提供晶片金融卡。 本發明提供無電子錢包，採用預先付款後消費的模式。本發明之 沖正服務，包括： A、持卡人於完成扣款作業後，發現扣款金額有誤或重複扣款時，能於 24小時内即時更正錯誤扣款金額。沖正交易，係指特約商店能利 200929038 $末設備或相關朗系統之沖正魏進行帳務更正 貨款退給持卡人10之晶片金融卡。 W將錯誤 另本發明提供之退貨服務，包括： B、於完成扣款作業後，欲退回購買之物品或勞務，可於7天内 特::店同意後，退回物品S ’原購買物品扣款金額， 可即時匯人持卡人“金融卡。假設持卡人1Q想在購買物品後的 天之間退貨’特約商店在接受持卡人1Q的退貨後 持卡人10之晶#金融卡帳戶或得㈣金給付。 ❹ 〇 c、2人10購物後的24内能退回物品；退回物品後原構買物品扣 =金額，可即_人該晶片金融再者，本發明之晶片金融卡同 時可具備有於ATM設備巾提款、娜、_稅)、查料交易功能。 再來介紹·自動化服務機器34進行購物交易之流程，請再參照 第四圖β持卡人10於代理機構14自動化服務機器34上，自動化服 務機器34 網路連接到代理設備28，代理設備28彻網路連接到 仲介設備30，仲介設備30利用網路連接到金融設備32，利用位於金 融設備32 Θ之持卡人10帳戶(轉出帳戶)及帳戶内之款項進行麟物 付費’並轉入特約商店帳戶(轉入帳戶）。本發明提供之晶片金融卡可 非常彈性地結合不同行業·立發展_剌，如會射、現金卡、 企業儲值卡及分期付款應用等。 以上主要介紹晶金融卡具備雜，且與電子錢不同，·持卡人之 電子錢，係必須以現金或者以『帳戶』内之存款，預先存在『指定帳 戶』有一定金額後，始能消費。但本發明的付款方式，係直接從帳戶 中扣款，且無一定預存金額限制，亦即持卡人10持晶片金融卡，於實 體/虛擬環境進行消費付款時，發卡銀行18直接檢核持卡人1〇轉出帳 戶餘額，並立即予以扣款完成交易，等同現金交易之即時付款。 综上所述，本發明提出由持卡人10輸入一組預設密碼來確認的方 式，取代先前以持卡人10的簽名來確認，提高交易的安全，使持卡人 12 200929038 1〇購買物品時’購買的同時，對晶片金融卡内之金額執行即時扣款。 特別強_-點是’本發賴先前之先消費後付款之信用卡付款 方式不同’本發明係為一種消費扣款即時完成的晶片金融卡消費扣款 ^法因此本發_與現行的侧卡之扣款方式並不相同本發明之 消費扣政即時完成的晶片金融卡，完全沒有信關問題。亦無電子錢 包，採用預先付款後消費的不便利消費模式。 曰另外本發明相較於先前技術，本發明改良密碼上的確認方式，能 f昇消費安全，並_即時扣款模式改善料f後付款方式衍生之金 融問題’及處理特約商店與入帳銀行、發卡銀行帳務撥轉及請款作業 ^ 對關題’又能兼具持卡人消f上便雌。 ’、 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。故即驗本發㈣魏_狀雜、構造、特徵 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利範圍 【圖式簡單說明】 第一圖〜第三圖係本發明之各種實施方塊圖。 第四圖係本發明之實施架構圖。 第五圖係本發明之非跨行時之實施架構圖。 Q 第六圖係本發明之跨行時之實施架構圖。 第七圖係本發明於特約商店消費扣款時之實施步驟圖。 【主要元件符號說明】 10持卡人 12特約商店 14代理機構 16仲介機構 18發卡銀行 22鍵盤 24讀卡機 13 200929038 26端末設備 28代理設備 30仲介設備 32金融設備 34自動化服務機器 36入帳銀行Going to step S22 'the cardholder can side the terminal device, so that the cardholder's deduction is transferred out of the account and the transfer account is used for transaction, and the deduction is completed immediately. If the card number is smaller than the original C card number, Go to step S24. After the password is entered, if the C card number is greater than or equal to the original C card number and is not within a certain time, then step S24 is performed to stop the transaction. After entering the password, if the C card number is less than the original 1C card serial number, proceed to step S26 to stop the transaction. After the purchase of the goods by the cardholders, the cardholders will be transferred directly from the transfer account to the transfer account of the special store 12, which is different from the previous payment or prepayment. If the money in the chip financial card is lower than the payment, the transaction cannot be executed. The invention must be completed within one "time" after the password is entered, otherwise it is considered invalid. This is also a concern to ensure that the cardholder is protected from theft. In addition, the wafer financial card proposed by the present invention also provides a refund service. When the cardholder 10 consumes and completes the deduction operation, the user may notify the special store 12 to pass the terminal device 26 or the related application system after returning the purchased item. In the event of a refund, the cardholder is not required to provide a chip financial card. The present invention provides a mode without electronic wallet, which adopts pre-payment after consumption. The rushing service of the present invention includes: A. After the cardholder completes the deduction operation, the cardholder can correct the wrong amount of the deduction within 24 hours when the amount of the deduction is incorrect or repeated deduction. Chongzheng Trading means that the special store can benefit 200929038 $End equipment or related Lang system, Zheng Zheng, the account correction. The payment is refunded to the cardholder 10 financial card. W will misrepresent the return service provided by the present invention, including: B. After completing the deduction operation, if you want to return the purchased goods or services, you can return the item S 'original purchase item deduction after 7 days: Amount, you can instantly transfer the cardholder "financial card. Suppose the cardholder 1Q wants to return between the days after the purchase of the item." The special store accepts the cardholder's 1Q return after the cardholder 10 crystal #金融卡 account Or (4) gold payment. ❹ 〇c, 2 people 10 can return items after shopping; after returning the item, the original purchase item deduction = amount, that is, _ person the wafer finance again, the wafer financial card of the invention simultaneously It can be equipped with the ATM equipment towel withdrawal, Na, _ tax), and the inspection transaction function. Then introduce the automation service machine 34 to carry out the shopping transaction process, please refer to the fourth figure β cardholder 10 at the agency 14 On the automated service machine 34, the automated service machine 34 is networked to the proxy device 28, the proxy device 28 is networked to the intermediary device 30, and the intermediary device 30 is connected to the financial device 32 using the network, utilizing the financial device 32. Cardholder 10 account ( Transfer out the account) and the funds in the account for the payment of the linings and transfer them to the special store account (transfer to the account). The chip financial card provided by the present invention can be flexibly combined with different industries and development _剌, such as shooting, Cash card, enterprise stored value card and installment payment application, etc. The above mainly introduces the crystal financial card is mixed, and different from the electronic money, the cardholder's electronic money must be in cash or in the "account" deposit, in advance If there is a certain amount of "designated account", it can be consumed. However, the payment method of the present invention is directly debited from the account, and there is no limit on the amount of pre-existing, that is, the cardholder 10 holds the chip financial card, in the entity / When the virtual environment makes a consumer payment, the issuing bank 18 directly checks the cardholder to transfer the account balance and immediately debits the transaction to complete the transaction, which is equivalent to the instant payment of the cash transaction. In summary, the present invention is proposed by the cardholder 10 Enter a set of preset passwords to confirm, instead of confirming with the signature of the cardholder 10, to improve the security of the transaction, so that the cardholder 12 200929038 1〇 when purchasing the item 'purchase At the same time, the amount of money in the chip financial card is immediately deducted. Especially strong is that the credit card payment method of the previous payment of the previous payment is different. The present invention is a kind of wafer finance that is completed immediately by the consumer deduction. The card deduction method is therefore not the same as the current side card deduction method. The wafer debit card that is completed by the consumer deduction of the present invention has no problem at all. There is no e-wallet, and the pre-payment is adopted. The inconvenient consumption mode of consumption. 曰 In addition, the present invention improves the password recognition method according to the prior art, and can increase the consumption security, and the instant deduction mode improves the financial problem derived from the post-payment method' and Handling the special store and the account bank, the card-issuing bank account transfer and the payment operation ^ The title can be combined with the card holder. The above is only the preferred embodiment of the present invention and is not intended to limit the scope of the present invention. Therefore, it is the scope of the patent application of the present invention (the following is a brief description of the drawings). The first figure to the third figure are the inventions. Various implementation block diagrams. The fourth figure is a diagram showing the implementation of the present invention. The fifth figure is an implementation diagram of the non-cross-line of the present invention. Q Figure 6 is an architectural diagram of the implementation of the present invention. The seventh figure is a step-by-step diagram of the implementation of the present invention in the purchase of a deduction in a special store. [Main component symbol description] 10 cardholder 12 special store 14 agency 16 agency 18 card issuing bank 22 keyboard 24 card reader 13 200929038 26 terminal equipment 28 agent equipment 30 intermediary equipment 32 financial equipment 34 automated service machine 36 account bank
1414