200937322 九、發明說明： ‘· ·【發明所屬之技術領域】 士發，為提供一種支付結算架構，尤指一種能整合現已存在之所 有收單體系架構的整合型無限延伸功能之支付結算架構。 【先前技術】 按，早期消費者於實體店面利用現金買賣的交易方式，消費者必 f到店家所在地之實體店面進行購物，於實體店面完成銀貨兩訖之交 易行為，已經漸漸的不敷需求了。 ο 隨著科技的進步’電子商務與通贿技之高度發展，其影響已經 變了人們的生活麵交易方式，就有金融業者推行信用卡的 土費H二可以使得消費者於購物時，不必攜帶現金，只要取出信用 ^將顧卡經由—設置於店面之侧卡讀卡機麟於銀行業者進 订f務紀錄’而消費者只要於結算日前將所消費的金額匯入銀行帳戶 ’即完成二種後付（P。S t_Pay)免用現金之交易模式。 贴^業者發展了 一種不必現金交易的儲值卡，係為一種可以取代 去;i =卡片’卡片上嵌置有晶片，而晶片可儲存金額面值，消費 值金錢或者購—定金錢面額之卡片，當需要消費時，、 〇 家所設置的儲值卡讀卡機’即可以依照所消費的金 貝自動從卡片内扣除所㈣的金額，如此—來，即完成—種預 Pr e —pay)消費免用現金之交易模式。 為敕ίΐ丄目f還有一種電子錢包’也可以取代目前之現金交易，係 i 目2之提款卡，當消費者於店面消費時，將卡片置入店家所f 行業機，同時讀卡機即透過網際網路或是無線通訊連線至^ _ J' .仃餘額檢查並同步進行帳務扣款，其係一種線上支付（〇η 1 n e p a y)免用現金交易模式。 題與tim、儲值卡或電子錢包於使用時，為確實存在下列問 行結上述三種消費模式已經便利了人們的交易方式，然，現 ° 、方式，在網路興起，第三方支付儼然成為重要產業之同時 5 200937322 ，需能夠擺脫銀行業主導，而且能夠同時滿足 …）、線上支付（〇n-Line Pay)與:Pay y)之三種消費模式’現有之免用現金洁眷播、 〇 s t —p a 模式，已纖。她m触合單一支付 是以，要如何解決上述習用之問題與缺失， 與從事此行業之相關廠商所亟欲研究改善之方向所發明之發明人 【發明内容】 故’本發明之發明人有鐘於上述缺失 方評估及考量，並以從事於此行業累 ^集相關貧料，經由多 ❹修改，始設計出此種能整合現已存在之所有不斷試作及 限延伸功能之支付結算架構的剌專利者。早料、轉的整合型無 本發明之主要目的在於：本發明支 裝置與結算系統，該晶片内容有一帳包括有晶片、連接 連接裝置係連線於該晶片，並且連接裝置可交易資料，該 料，該結算系統設有-對應於該帳戶接，置傳送之交易資 料與結算帳戶計算以產生一社 二算帳戶，並且藉由該交易資 ❹ 即將該結算資料傳送至該晶ΐ並且寫入接裝置，該連接裝置 於行動通訊裝置、PDA、信卡寫戶’再者，該晶片可設 ，該連接裝置可為信用卡讀_^機、p二"^手提電腦或電子錢包者 1e)系統、自動販賣機、互動 二1二t 〇n Sa 人便利商店、ATM提款機、存，：訊站（Kl〇SK)、無 由上述技術，可針對習用免用現易費機、售票機者，藉 付（P r e - p a y)、線上支付^=存在之無法同時滿足預 付（P 〇 s ta ) 』n — L工n e p a y)與後 整合現已存在之所有收單體系架構之實點加以突破，達到能 6 200937322 …【實施方式】 為達成上述目的及功效，本發明所採用之技術 例詳加說明其特徵與功能如下，i緣 清楚看出本發明支付結算架構2係包括： 方塊圖，由圖中可 晶片2，係内容有一帳戶21 ,並且 丄 連接裝置3，係連線於該晶片2，該連1。 交易資料3 i，該晶片收並傳送該 ❹ 、紅外線、藍芽或行動通訊網路1中之連5式可透過網際網路 尸 SΜ、G P R s、ρ η s、c DMA、wjtJ通訊網路可 通訊網路連線時，可透過SMS^連線方式以行動 連接裝置3可為信用卡讀卡機、荨方式，再者，該 e)系統、自動販賣機、互動式多二T〇n sa1 便利商f、ATM提款機、存款機、停車場ϋ，）、無人 結算系統4，係連線於該連接m 7 ^、售票機者。 Ο 之交易資料3 1，該結算系統接震置3傳送 4 1 ’並且藉由該交易資料3工與結蜂二丨γ 2 1之結算帳戶 料42傳送至該連接裝置3，該連算^產生-結算資 至該晶片2並且寫入至該帳戶2 ^，装 該結算資料4 2傳送 3之連線方式可透過網際網路、紅、，，算系統4與該連接裝置 一者，其中該行動通訊網路可w、藍茅或行動通訊網路其中之 A、们IM或第三代、PHS、CDm 請同時參閱第二圖、第三圖2中之-者。 例之流程圖一、流程圖二與流程圖二，所不，係為本發明較佳實施 行支付結算時為包括下述之步一圖中可清楚看出本發明於進 於進行線上支付（〇n3i’n (10) 晶片2傳送交易資料Pay)結算時·· (11) 連繼3崎㈣ 7 200937322 (12) 結算系統4根據交易資料31與結算帳戶41計算出結 5 算資料4 2 ; (13) 結算系統4傳送結算資料4 2至連接裝置3 ; (14) 連接裝置3傳送結算資料4 2至晶片2並寫入晶片2内 之帳戶21。 其係先以晶片2傳送交易資料31至連接裝置3，連接裝置3即 ，送交易資料31至結算系統4，結算系統4根據交易資料31與結 算系統4中的結算帳戶41計算出結算資料4 2傳送至連接裝置3， 並且巧接裝置3傳送結算資料42至晶片2並寫入晶片2内之帳戶2 1 ’藉由上述流程，以達到線上支付（〇n — Line Pay)消 ❽費模式之目的。 於進行預付支付（Pre—Pay)結算時： (2 0)於結算系統4之結算帳戶41預先儲值現金； (21)晶片2傳送交易資料31至連接裝置3 ; (2 2)連接裝置3傳送交易資料31至結算系統4 ; (2 3)結算系統4根據交易資料31與結算帳戶41計算出結 算資料4 2 ; (24)結算系統4傳送結算資料42至連接裝置3; 〇 (2 5)連接裝置3傳送結算資料4 2至晶片2並寫入晶片2内 之帳戶21。 牛驟者必触於結算系統4之鮮帳戶4 1贱儲值，其他 pay)消費模式之目的。 _預付（Pre — 於進行後付支付（Pos t—Pay)結算時： (3 0)晶片2傳送交易資料31至連接裝置3 ; (31)連接裝置3傳送交易資料31至結算系統4; (3 2)結算系統4根據交易資料31與結算帳戶4 j計算出鲈 算資料4 2 ; (33) 結算系統4傳送結算資料42至連接裝置3 . (34) 連接裝置3週期式傳送結算資料42^晶片2以寫入晶 8 200937322 片2内之帳戶21。 訊裝L l H動錢包者，當晶片2設於行動通 該晶片2可為軟板薄膜或筆記型電腦等’ Ο200937322 IX. Description of invention: '··Technical field to which the invention belongs 士士, in order to provide a payment settlement structure, especially a payment settlement that integrates the integrated infinite extension function of all existing acquisition systems. Architecture. [Prior Art] According to the transaction method of early consumers using cash in physical storefronts, consumers f to the physical storefront where the store is located for shopping, and the transaction of silver goods in the physical storefront has gradually become insufficient. . ο With the advancement of technology, the high-level development of e-commerce and bribery technology has changed the way people trade in their lives. There is a financial fee for the financial industry to implement credit card H 2, so that consumers do not have to carry when shopping. Cash, as long as the credit is taken out, the card will be passed to the side of the store, the card reader will be ordered by the banker, and the consumer will remit the amount of the purchase to the bank account before the settlement date. Post-pay (P.S t_Pay) cash-free trading mode. The sticker developer developed a stored value card that does not have to be traded in cash. It is a kind of replacement that can be replaced; i = card has a chip embedded on the card, and the chip can store the amount of face value, consumption value money or purchase-deposited money denomination card. When it is necessary to consume, the stored value card reader set by the family can automatically deduct the amount of (4) from the card according to the Jinbei consumed, so that the completion of the pre-Pr e-pay ) Consumption-free cash trading model. There is also an e-wallet that can replace the current cash transaction, which is the ATM card of i. 2, when the consumer consumes the store, put the card into the store, and read the card at the same time. The machine is connected to ^ _ J' via the Internet or wireless communication. 仃 Balance check and simultaneous account deduction, which is an online payment (〇η 1 nepay) free cash transaction mode. When using tim, stored value card or e-wallet, the following three types of consumption patterns have already facilitated people's trading methods. However, in the current way, the third party payment has become a phenomenon. At the same time of important industry 5 200937322, we need to be able to get rid of the banking industry, and at the same time meet the three consumption patterns of ...), online payment (〇n-Line Pay) and: Pay y) 'existing free cash cleaner, 〇 St —pa mode, fiber. Her m-touch single payment is how to solve the above problems and problems, and the inventors who have invented the direction of improvement in the relevant manufacturers engaged in this industry [invention] Zhong evaluated and considered the above-mentioned missing parties, and in order to engage in the accumulation of related poor materials in this industry, through the multi-modification modification, he has designed such a payment settlement structure that can integrate all existing trial and extension functions.剌 Patent holder. The main purpose of the present invention is to provide a device and a settlement system. The wafer content includes a wafer, a connection device is connected to the wafer, and the connection device can transaction data. The billing system is provided with a transaction data and a settlement account calculation corresponding to the account connection, to generate a social accounting account, and the settlement data is transmitted to the wafer and written by the transaction asset. Connected device, the connection device is in the mobile communication device, the PDA, the letter card writer, and the chip can be set up, the connection device can be a credit card read_^ machine, p2"^ laptop or electronic wallet 1e) System, vending machine, interactive two-two t 〇n Sa people convenience store, ATM cash machine, deposit,: information station (Kl〇SK), without the above technology, can be used for the purpose of free use of the machine, ticket sales Players, P re-pay, online payment ^=existence can not meet prepaid (P 〇s ta) 』n — L work nepay) and post-integration of all existing acquisition system architecture Break through and reach Energy 6 200937322 ... [Embodiment] In order to achieve the above object and effect, the technical examples used in the present invention are described in detail as follows. The features and functions of the present invention are clearly as follows: The payment settlement architecture 2 of the present invention includes: a block diagram, The medium chip 2 has an account 21 and the connection device 3 is connected to the wafer 2, and the connection is 1. Transaction data 3 i, the chip collects and transmits the ❹, infrared, Bluetooth or mobile communication network 1 in the network can pass through the Internet corpse S, GPR s, ρ η s, c DMA, wjtJ communication network communication network When the road is connected, the mobile connection device 3 can be used as a credit card reader or a mobile phone through the SMS connection method. Furthermore, the e) system, the vending machine, and the interactive multi-two T〇n sa1 convenience provider f , ATM cash machine, deposit machine, parking lot ϋ,), unmanned settlement system 4, is connected to the connection m 7 ^, ticket vending machine.交易 transaction data 3 1, the settlement system is connected to the transmission 3 transmission 4 1 ' and transmitted to the connection device 3 by the transaction data 3 and the settlement account material 42 of the 蜂 2 γ 2 1 , the continuous calculation ^ Generating-clearing the money to the wafer 2 and writing to the account 2^, the connection method of the settlement data 4 2 transmission 3 can be through the Internet, red, and the system 4 and the connection device, wherein The mobile communication network can be a, blue or mobile communication network, A, IM or third generation, PHS, CDm, please refer to the second picture, the second picture in Figure 2. The flow chart of the first embodiment, the flow chart 2 and the flow chart 2, is not the case for the payment settlement of the preferred embodiment of the present invention, including the following steps. It can be clearly seen from the following figure that the present invention is made for online payment ( 〇n3i'n (10) Chip 2 transfer transaction data Pay) settlement (·) (continued) 3 saki (4) 7 200937322 (12) The settlement system 4 calculates the settlement data based on the transaction data 31 and the settlement account 41 4 2 (13) The settlement system 4 transmits the settlement data 4 2 to the connection device 3; (14) The connection device 3 transmits the settlement data 42 to the wafer 2 and writes the account 21 in the wafer 2. The transaction data 31 is first transferred to the connection device 3 by the wafer 2, and the connection device 3 sends the transaction data 31 to the settlement system 4. The settlement system 4 calculates the settlement data 4 based on the transaction data 31 and the settlement account 41 in the settlement system 4. 2 is transferred to the connection device 3, and the smart device 3 transmits the settlement data 42 to the wafer 2 and writes to the account 2 1 ' in the wafer 2 to achieve the online payment (〇n - Line Pay) consumption fee mode by the above process The purpose. In the case of pre-payment (Pre-Pay) settlement: (20) depositing cash in advance in the settlement account 41 of the settlement system 4; (21) the wafer 2 transfers the transaction data 31 to the connection device 3; (2 2) the connection device 3 Transmit transaction data 31 to settlement system 4; (2 3) settlement system 4 calculates settlement data 4 2 based on transaction data 31 and settlement account 41; (24) settlement system 4 transmits settlement data 42 to connection device 3; 〇 (2 5 The connection device 3 transmits the settlement data 42 to the wafer 2 and writes the account 21 in the wafer 2. The cows will touch the clear account of the settlement system 4, and the purpose of the other pay) consumption patterns. _Prepaid (Pre - when paying for post-payment (Pos t-Pay) settlement: (3 0) wafer 2 transmits transaction data 31 to connection device 3; (31) connection device 3 transmits transaction data 31 to settlement system 4; 3 2) The settlement system 4 calculates the settlement data 4 2 based on the transaction data 31 and the settlement account 4 j; (33) The settlement system 4 transmits the settlement data 42 to the connection device 3. (34) The connection device 3 periodically transmits the settlement data 42 ^Chip 2 to write the account 21 in the crystal 8 200937322 piece 2. The device L l H dynamic wallet, when the chip 2 is set in the action, the chip 2 can be a soft film or a notebook computer, etc. Ο
)卡其中之-者，該軟板舰IM(Combi—SIM Μ卡，可執行獨立的應用程式，㊁取連接於S I 與執行應用程式的鮮，了取代S 1M卡’同時兼具s IΜ卡 面2 3，使用=，該行動通訊裝置2 2具有-使用者介 裝置2 2内，使用者介體形式存在於行動通訊 於行動通訊裝置2 硬體形式時’可為積體電路型態貼附 燒錄於行動通訊裝置2 2 者介，2 3為勒體形式時，可 電路内，使用者介2 ，或行動通訊裝置22之積體 之作業系統内。以為軟_式時’可植人於行動通訊裝置2 2 Ο ，連接裝置3可連模組2 4與—加密模組2 5 算系統4可進-步連接有與—加密模組3 3，結 驗資ί之3性以及提高資加密模組4 4，藉以檢 流程時係包括下述步驟^中了 β楚看出，當使財於進行訂貨 (4 0)使用者決定購買商品； 連接袭置t21以加密模組2 5加密傳送交易資料31至 (4 2 ) Ϊ25ί 3藉由檢驗模組3 2與加密模4a Μ拾· 確性亚加密傳送交易資料31至結算系檢驗帳戶21 9 200937322 …ί ^i結ΐ系統4以檢驗模組43檢驗連接裝置3之正確性； 4) Ϊίί ί4根據該交易資料31與結算帳戶41計算出結算 (4 5 m統4以加__ 4加密並傳送結算資料4 2至連接 (46) 22^^^^ =密模組33檢驗結算資料4 (47) ί===資料42之正確性並根據結 ο 藉由上述流程’當使用者決定購買商品後，即可以利 ⑽…-Pay)等三種消二? e Pay)與後 整合型無崎伸魏之紐結算祕1為可改善 -帳有 ，該結算系=!對=3 〇 算資料4 2傳送至該晶片2並且寫入至該接將該結 ，同時滿足預付（P r e — P a y )、線上^ ^^結構以 P a y )與後付（p。s t — p a y )等三種 二^ n e 惟，以上所述僅為本發明之較佳實施例而 ：从 3專利範圍，故舉凡運用本發明說明書及圖式内 及荨效結構變化’均應同理包含於本發明之專 -間易6飾 綜上所述，本發明之整合型無限延伸功能 ^ =陳明。 時^確實能達職功效及目的，故本伽 ，為符合發明專利之巾請要件，練法提出申之發明 本發明，以保障發明人之辛苦發明’倘若狗局審賜2 200937322 不吝來函指示，發明人定當竭力配合，實感公便。Among them, the soft board ship IM (Combi-SIM Leica, can be used as a stand-alone application, the second is connected to the SI and the execution of the application, the replacement of the S 1M card) and the s I card Face 2 3, using =, the mobile communication device 2 2 has a user interface 2 2, and the user mediator form exists in the mobile communication form of the mobile communication device 2 'can be an integrated circuit type sticker It is recorded in the mobile communication device 2 2, when 2 3 is in the form of a zoom, it can be used in the operating system of the circuit, the user 2, or the integrated communication device 22. In the mobile communication device 2 2 Ο, the connection device 3 can be connected to the module 2 4 and the encryption module 2 5 the system 4 can be connected to the - encryption module 3 3, the verification of the 3 and the improvement The encryption module 4 4, by means of the inspection process, includes the following steps: in the case of β Chu, when the money is made to order (40) the user decides to purchase the product; the connection is set to t21 to encrypt the module 2 5 Encrypted transmission transaction data 31 to (4 2 ) Ϊ 25ί 3 by verification module 3 2 and encryption mode 4a The transaction data 31 to the settlement system inspection account 21 9 200937322 ... ί ^ i the system 4 checks the correctness of the connection device 3 by the verification module 43; 4) Ϊ ί ί 4 calculates the settlement according to the transaction data 31 and the settlement account 41 (4 5 m system 4 encrypts with __ 4 and transmits settlement data 4 2 to connection (46) 22^^^^ = secret module 33 checks settlement data 4 (47) ί=== the correctness of the data 42 and according to the knot ο With the above process, 'when the user decides to purchase the product, he can profit from (10)...-Pay) and so on. e Pay) and the post-integration type. The settlement system =! Pair = 3 The calculation data 4 2 is transferred to the wafer 2 and written to the junction, while satisfying the prepayment (P re — P ay ), the line ^ ^ ^ structure to P ay ) and付(p.st — pay ), etc., but the above is only a preferred embodiment of the present invention: from the scope of the third patent, the use of the present specification and the changes in the structure and the effect of the structure All of them should be similarly included in the special-information 6 decoration of the present invention, and the integrated infinite extension function of the present invention ^ = Chen Ming. When ^ can indeed achieve the function and purpose, so Benga, in order to meet the requirements of the invention patent towel, practice the invention of the invention, in order to protect the inventor's hard invention "If the dog bureau trial 2 200937322 The inventor will make every effort to cooperate and feel polite.
11 200937322 【圓式簡單說明】 第一圖係為本發明較佳實施例之方塊圖。 第二圖係為本發明較佳實施例之流程圖_。 第三圖係為本發明較佳實施例之流程圖二。 第四圖係為本發明較佳實施例之流程圖三。 第五圖係為本發明再一較佳實施例之方塊圖。 第六圖係為本發明再一較佳實施例之動作流程圖 【主要元件符號說明】 支付結算架構......1 D晶片..........2 帳戶··........21 行動通訊裝置......2 2 使用者介面.......2 3 檢驗模組........2 4 加密模組........2 5 連接裝置........3 交易資料........3 1 檢驗模組........3 2 &加密模組........3 3 結算系統........4 結算帳戶........4 1 結算資料........4 2 檢驗模組........4 3 加密模組........4 4 1211 200937322 [Circular Brief Description] The first figure is a block diagram of a preferred embodiment of the present invention. The second figure is a flow chart _ of a preferred embodiment of the present invention. The third figure is a flow chart 2 of a preferred embodiment of the present invention. The fourth figure is a flow chart 3 of a preferred embodiment of the present invention. The fifth drawing is a block diagram of still another preferred embodiment of the present invention. Figure 6 is a flow chart of the action of another preferred embodiment of the present invention [Description of main component symbols] Payment settlement architecture... 1 D chip.......... 2 Account··. .......21 mobile communication device... 2 2 user interface.......2 3 inspection module........2 4 encryption module... .....2 5 Connecting device........3 Trading data........3 1 Inspection module........3 2 & encryption module.. ......3 3 Settlement System........4 Settlement Account........4 1 Settlement Information........4 2 Inspection Module.... ....4 3 Encryption Module........4 4 12