200949738 九、發明說明： 【發明所屬之技術領域】 係特有關Ρ種應用於彈性信託管理的技術領域，尤其 行種應用即時且彈性的控管機制，讓-發行者在發 替代貨幣之、肖時’可以彈性處理其信託金額’讓購買該 行者_叙錢保證，㈣替代貨幣之發 、、舌f Α㈣代f幣進行信託，兼顧保障消費者及 活絡其育金之雙重效益的技術領域。 【先前技術】 戶的中—般的企#、商店或服務業者，為了提高客 二又、達到商業促銷目的、或是讓資金運用更加活絡等種 貨春Γ會發行各式各樣㈣代料，例如實體的禮券、提 :=:、教育學習券、代幣、套票，或是虛擬貨幣的電子 禮券儲值卡、會員卡、點動+ 數卡、預付卡、預繳會費/年費/季費/ Φ 取r等之數位憑證等。此種消費者必預付實際金錢以 替代貨幣的交易模式，可讓消費者以較佳的折 扣貨幣然後再到特約商店換取相當償值之商品或服務 及提高忠誠度❹重優點，因此，已相當普遍存在眾多 店或服務業者中，且其交易金額相當龐大。 然而，近年來發生許多發㈣代料的發行者，⑽營不盖 而惡性倒閉等事件，苴中不多士】 " /、 大至、知名的企業、商店或服務業 者，而一但發行替代料的業者倒閉，消費者所購買的#代貨f 通常就此紐㈣料值的商品歧務，也_㈣發行者求償 5 200949738 而取回現金，因此經常損失惨重。如此一來，廣大的消費者對於 購買預付型替代貨幣之交易模式，容易心生戒懼，即使購買也不 願意投入過多金錢，以免損失太大。在此種氛圍之下，相當不利 於替代貨幣如禮券、提貨券、電子禮券、儲值卡、會員卡、或預 付會費/年費/季費/月費/套裝服務(如各式美容套裝服務、婚紗禮服 套裝服務、固定次數套裝服務等）之服務業者的市場發展。 為了保護廣大的消費者，且提升消費者的信心，政府開始推 行禮券定型化契約新制，要求一業者在發行如禮券或儲值卡等替 ® 代貨幣時，必須採取履約保證、信託、同業聯保等方式，來保障 消費者權益。在信託方式中，係經由銀行等金融機構來為預付型 替代貨幣提供信託服務，企業若是要發行一預定金額的替代貨幣（ 無論其是否可以全部銷售完畢），就必須先到金融機構提存足額的 現金並交由金融機構來進行信託，當該企業無法兒現其替代貨幣 時，就可由金融機構代為償付。但如此一來，企業將足額的現金 交付信託之後，該筆資金就無法動用及流通，且若無法適時將替 代貨幣銷售出去，將造成發行者資金的長期凍結，終久會影響發 φ 行者之營運問題。因此，對於一般企業來說，對於發行替代貨幣 採用信託方式來保障消費者權益一事，意願頗低。 為了解決虛擬貨幣無法獲得保障等問題，前案如中華民國公 開第200713112號專利案「網際網路上虛擬資本營運之系統及方 法」，其為了解決消費者在購買網路遊戲之虛擬貨幣後無法對換回 真實貨幣、或是該虛擬貨幣因私下交易而無法獲得保障等問題， 提出一種應用在網際網路上的虛擬資金營運系統，其主要係提供 一交易平台，讓眾多消費者可以在該交易平台來進行虛擬貨幣的 交易，並且此虛擬貨幣交易時所發生的真實貨幣流存入信託公司 200949738 ，藉以保障網際網路上之虛擬貨幣的交易安全。該前案主要3 解決眾多消費者之間虛擬貨幣的流通和交易，並無法讓發行2 灰幣業者來保障擁有虛擬貨幣之消費者，必定可取得商。、 或是償還等值之真實貨幣，因此並無法解決先前的問題。服務 為了提高一般業者在發行禮券、電子禮券等替代貨幣時採用 信託方式來㈣消費者權益的意願m要欲解決的問題^就 是要能夠減低因為信託而對資金流動的影響，並讓信託機制更1 理及有彈性，以兼顧娜消費者權益及減低影響企業資金活絡程 度。綜觀目前市面上的信託系統及機制，並無法達成所需目的。 因此，為了改善前述問題，發明人經過潛心研究，提出一種 彈性信託系統及方法，其可經由—通訊網路與至少_終端裝置通 訊鍵結，該終端裝置可傳送—替代㈣之發行與償付訊息並傳送 到該系統’以及進行該替代料之發行與償付，且本發明系統及 方祕㈣存該替代貨幣之發行者的信託金額和儲備金額資料、 發仃替代”前即時確認儲備金額是否足夠進行信託之機制、以 及該替代”償付後立即解除信託之機㈣，為目„代貨 ❹信託業務提供-妥善、安全、富彈性且易於控㈣解決=幣之 【發明内容】 本發狀目的係在於提出一種彈性信託系統及方法，其可 ▲由p時且彈(·生的控管機制，讓—發行者在發行替代貨幣且進行 t託時可以彈性管理其信託金額，兼顧保障者及活絡 金之雙重效益。 本發月之另—目的在於經由本發明的彈性信託系統及方法， 僅於該替代料鎖售出去之時才料值_備金進行信託，而當 7 200949738 * 替代貨幣償付之後即時將等值的信託金解除信託，讓替代貨幣的 發行者所交付信託的金額達到最精準，無需事先信託過多的金額 ，因此可減輕該發行者的資金壓力，提高該發行者的信託意願， 進而促進該替代貨幣的銷售市場發展及該金融機構的信託業務商 機。 本發明之另一目的在於經由本發明的彈性信託系統及方法， 其更進一步時，可依據該替代貨幣發行者其自身的需求，經由設 定或是調整一儲備金最大值，來控管其為預計銷售之替代貨幣所 ® 準備的一儲備金額，使該儲備金額無需過多且能滿足該發行者預 計銷售替代貨幣的需求，讓該發行者於調用資金及發行替代貨幣 時，能夠依據市場變化或資金狀態，來隨時調整及滿足其需求。 本發明之另一目的在於經由本發明的彈性信託系統及方法， 其更進一步時可結合一貸款機制，讓一金融機構可將該發行者為 替代貨幣所提供之信託金額及儲備金額，作為借貸擔保品來進行 貸款評估。再更進一步時，還可結合一監控機制，讓該金融機構 於放貸之後，可監控該發行者之信託金額及儲備金額，以降低放 φ 貸風險。 依據本發明之一特色，本發明提出一種彈性信託管理系統， 經由一通訊網路與至少一終端裝置通訊鏈結，該終端裝置可傳送 一替代貨幣之發行與償付訊息並傳送到該系統，以及進行該替代 貨幣之發行與償付，且其中，該系統包含有：一儲存裝置，用以 儲存該替代貨幣之發行者的信託金額和儲備金額資料，其中，該 信託金額係為一金融機構為該發行者所信託之金額，而該儲備金 額係為該發行者所準備以供進行信託時可轉付信託之金額；一第 一模組，用以接收該至少一終端裝置所傳送欲發行之替代貨幣訊 8 200949738 息，依據該發行者之儲備金額來確認是否可發行，並傳送回覆訊 息至該至少一終端裝置以供其判斷是否可發行該替代貨幣，以及 於該替代貨幣發行之後，將該替代貨幣等值之金額從該儲備金額 移轉至該信託金額；一第二模組，用以接收該至少一終端裝置所 傳送該替代貨幣之償付訊息，以及將已償付替代貨幣等值之金額 從該信託金額移轉至該儲備金額；以及一通訊裝置，用以經由通 訊網路與該至少一終端裝置通訊鏈結。 依據本發明之另一特色，本發明提出一種彈性信託管理方 © 法，適用於一彈性信託管理系統和至少一終端裝置之間，該系統 係經由一通訊網路與至少一終端裝置通訊鏈結，該終端裝置可傳 送一替代貨幣之發行與償付訊息並傳送到該系統，以及進行該替 代貨幣之發行與償付，且其中，該方法包含有以下步驟：該系統 儲存該替代貨幣之發行者的信託金額和儲備金額資料，其中，該 信託金額係為一金融機構為該發行者所信託之金額，而該儲備金 額係為該發行者所準備以供進行信託時可轉付信託之金額；該系 統接收該至少一終端裝置所傳送欲發行之替代貨幣訊息，依據該 Q 發行者之儲備金額來確認是否可發行，並傳送回覆訊息至該至少 一終端裝置以供其判斷是否可發行該替代貨幣，以及於該替代貨 幣發行之後，將該替代貨幣等值之金額從該儲備金額移轉至該信 託金額；以及該系統接收該至少一終端裝置所傳送該替代貨幣之 償付訊息，以及將已償付替代貨幣等值之金額從該信託金額移轉 至該儲備金額。 依據本發明之另一特色，本發明提出一種應用於彈性信託管 理之儲存媒體，經由一通訊網路與至少一終端裝置通訊鏈結，該 終端裝置可傳送一替代貨幣之發行與償付訊息並傳送到該儲存媒 200949738 體，以及進行該替代貨幣之發行與償付，且其中，該儲存媒體包 含有：一第一程序碼，用以儲存該替代貨幣之發行者的信託金額 和儲備金額資料，其中，該信託金額係為一金融機構為該發行者 所信託之金額，而該儲備金額係為該發行者所準備以供進行信託 時可轉付信託之金額；一第二程序碼，用以接收該至少一終端裝 置所傳送欲發行之替代貨幣訊息，依據該發行者之儲備金額來確 認是否可發行，並傳送回覆訊息至該至少一終端裝置以供其判斷 是否可發行該替代貨幣，以及於該替代貨幣發行之後，將該替代 © 貨幣等值之金額從該儲備金額移轉至該信託金額；以及一第三程 序碼，用以接收該至少一終端裝置所傳送該替代貨幣之償付訊 息，以及將已償付替代貨幣等值之金額從該信託金額移轉至該儲 備金額。 為使貴審查委員能進一步瞭解本發明之架構、特徵及功能 ，茲附以圖式及其具體實施方式詳細說明如後。 【實施方式】 ® 本發明之目的、優點和特色由以下實施例之詳細說明及圖式 當可更加明白，該實施例係作為實施方式之舉例說明，其目的是 為方便詳加說明本發明，而非用以限定本發明。 本發明主要是為預付型替代貨幣之交易而設計，尤其適合但 不限定於一般發行者如企業、商店、服務業者或是法人機構等所 發行之替代貨幣，該替代貨幣係指由消費者先行付款所取得之實 體或電子憑證，以供日後換取等值或超值之商品或服務，例如實 體的禮券、提貨券、兒換券、教育學習券、代幣、套票，或是虛 擬貨幣的電子禮券、儲值卡、會員卡、點數卡、預付卡、預繳會 10 200949738 費/年費/季費㈣/套裝服務、已付費之數位憑證等。 本發明之主要特色在於，';肖費者在購買—發行者之替代貨幣 寺將可即時查核錢行者是否有足夠之儲備金可進行信託，當 通過查核後才可銷售該替代貨幣，且於銷售之後即時將所銷售之 替代貨繁的等值金額，從儲備金中提出且進行信託，以保障消費 權1’而田該替代貨常償付之後，例如，消費者進行消費講買 Ο 商★或獲4¾•服冑或疋所約定獲得之服務期限已到期，則可即時 將等值的信託金額解除信託。 一本發明之f施系統架構請參考第—圖，該线(⑼包含有 ^裝置⑽）、—第__卿_第：模組(廳)和一通訊裝 ⑽心广’該系統〇〇)係經由該通訊裝置⑽)和-通訊網路 ^、外4至少-終端裝置⑽進行通訊，該終㈣置(寧用以 、入及傳送一發行者所發行之替代貨幣的銷售 二 到该系統(10)，其對應不同的替代貨幣而可3員、目關資訊 而該通訊網路⑽可以是有線或無線之通 Θ的實施形式； 則分別詳細說明各裝置及模組。 見網路等。以下 該儲存裝置（102)儲存有至少一替代貨 和儲備金額等資料。該儲存裝置（1G2)可以θ — 〃者的信託金額 料之裝置或元件，例如電腦硬碟、記憶體疋般市售用來儲存資 帶、或是外部之伺服器、磁帶櫃、遠端資料源^庫、光碟片、磁 該信託金額、館備金額之具體較佳實施方' 可為一金融機構(如銀行、郵局、信用入作、吻參考第二a 中的4託金額以及—儲備帳戶中的儲存金頬。|等）之一信託帳戶 係為一金融機構為該發行者所信託 其中，該信託金額 額，也就是發行者所交付 11 200949738 給該金融機構保管以擔保該替代料價值且賴替代貨幣無法償 付時可賠償擁有者之金錢’㈣儲備金額係為該發行者所準備以 供進行信託時可轉付信託之金額，也就是該發行者事先儲存於該 金融機構且同意可隨時轉為信託之金額。該信託金額、儲備金額 的另一種實施方式，請參考第二B圖，可採用設立一综合帳戶， 該綜合帳戶則可包含有-信託金額和-儲備金額，如同銀行之综 合活儲存摺中可含有定存金額和活儲金額。 由於—般金融機構對於信託業務時’為避免承擔過大風險， 會》又疋，最大可信託金額，作為該金融機構同意為該發行者進行 信託的最大值’亦即該信託金額的上限值。該最大可信託金額亦 可儲存在該儲存裝置（102)中。 此外，為了讓執行信託的金融機構更能便利地控管，以及讓 發行者可以更明顯地區分出其為即將發行替代貨幣所準備的健備 金額有多少，該儲存裝置（102)更包含儲存有—流動金額，其具體 實施架構請參考第二c圖，該流動金額係為可讓發行者隨時提存 轉帳支用之金額，其可以是該發行者在一般金融機構中的活 〇 期存款帳戶、儲蓄存款帳戶、劃撥帳戶等流動帳戶中的存款金額 ，而該儲備金額可設定僅專用於準備進行信託和接收解除信託之 用途，並非讓發行者隨時提存、轉帳及支用，但發行者仍可經由 控B機制將其中的部分金額移動到該流動金額，也就是從儲備帳 戶中將錢移轉到流動帳戶中。另一種實施方式亦可採用，於一综 合帳戶中設定有一信託金額、一儲備金額和一流動金額等，其具 體實施架構請參考第二D圖，其中，該流動金額即為—般帳戶的 現金餘額，可供發行者隨時提存、轉帳、支用之金額。 該第—模組（104)主要是用以接收該終端裝置（3〇)所傳送欲發 12 200949738 行之替代貨幣訊息，依據該發行者之儲備金額來確認是否可發行 ，並傳送回覆訊息至該終端裝置（3 0)以供其判斷是否可發行該替代 貨幣，以及於該替代貨幣發行之後，將該替代貨幣等值之金額從 該儲備金額移轉至該信託金額。亦即，當發行者擬發行一替代貨 幣時，可經由一終端裝置（30)將欲發行替代貨幣之金額、其發行者 等相關訊息傳送到系統（10)，由該第一模組（104)讀取該儲存裝置 (102)中其儲備金額是否足夠為欲發行替代貨幣進行信託，如果確 認可以，就傳回一接受發行之訊息回該終端裝置（30)，由該終端裝 Ο 置（30)發行該替代貨幣，然後於該替代貨幣發行之後，再傳送發行 完成之訊息到該系統（10)，由該第一模組（104)將該替代貨幣等值 之金額，從儲備金額中移轉到信託金額。例如，特約帳戶中的等 值金額移轉到信託帳戶之中，或是將綜合帳戶中的等值現金變更 為信託金額。 當該儲存模組（102)中包含有一最大可信託金額時，且該金融 機構設定為該發行者所進行之信託金額不可超過該最大可信託金 額時，該第一模組（104)於接收到來自一終端裝置（30)所傳送來欲 φ 發行一替代貨幣之訊息時，更包含用以依據該信託金額及該欲發 行替代貨幣之金額之和是否超過該最大可信託金額，以確認是否 可進行該筆替代貨幣之信託。 該終端裝置（30)，可依據不同的替代貨幣及其發行方式，而 有多種不同的實施方式。例如，當該替代貨幣為具有二維或三維 條碼之禮券、提貨券時，該終端裝置（30)可以是具有二維或三維條 條碼之掃描器暨通訊裝置，以掃瞄讀取該二維或三維條碼之後， 將該條碼訊息傳送到該系統（10);當該替代貨幣為具有磁條、1C 卡或SIM卡之電子禮券、儲值卡、點數卡或會員卡時，該終端裝 13 200949738 置(30)則可以是對應的讀卡機暨一|置，如—般刷卡機、 收銀機、p〇s終端機，以讀取或輪 咨粗甘你 这磁條、1C卡或SIM卡中的 _^ =息龍_(1());當Μ代料為具有無線射頻標藏 =)=品’如、“、_或其他用品時，該終端裝置 並不且二_讀取^感通訊裝置；以及，當該替代貨幣 並不具有實體而是一組特殊資訊或已 ❹ 種終《置⑼财以^f紐時’上述各 個人數位助理機(PDA)、手機、或可 欠電腦、掌上型電腦、 之數位憑證並提供認證之計算器等，該特殊資訊或已付費 話購物或電視購物等虛擬商；H肖’、者在網路購物、電 費之數位憑證到虛擬商店端。f時’提供該特殊資訊或已付 S亥第二模組（1〇6)主要是用以接 該替代貨幣之償付訊息，以及將已~至少-終端裝置所傳送 信託金額移轉至該_金額H =代料等值之金額從該 儲存有替代貨幣，如點數、_㈣4 f者持—IC儲值卡（内 店之終端裝置(3〇，如IC卡讀卡機 店進行消費時，經由該商 ，並將所扣除替代貨幣之訊息傳送到Z該儲值卡中的替代貨幣 (1〇6)將6償付之替代貨幣金額解除信託統⑽），由該第二模組 另一種實施方式，當該替 °移轉到該健備金額。 費等依據時間到期而可自動視為已&於預繳年費、季費或月 (106)更可包含用以依據該替代貨幣質時’該第二模組 替代貨幣判斷為已償付讀等㈣信託期時，將該 更進一步時，較為_之服㈣用，如到該儲備金額。 組⑽戌可將會費、年費分為複數個時/費等’該第二模 段到期時，料比㈣替代«判斷為已償^^當每一時間區 丁且將等值的信託金 14 200949738 額移轉到該儲備金額。 HS玫患。種實施方式，當該替代㈣是屬於預繳套裝服務之預付 B#，"如依據套裝服務所約定之各項服務分別完成視為分項償付 灶婚、’W禮服套裝服務中，可能包含有多種不同服務如拍照 、如曰禮服、、提供場地、舉辦喜筵等，㈣—種服務相對應有不 ^比例之替代貨幣，該第二模組⑽)更可包含用以依據該替代貨 :各頁服務刀別疋成時’將對應於各項服務的替代貨幣判斷為 已償付且料㈣信託金額㈣職儲備金額。 ❹200949738 IX. Description of the invention: [Technical field to which the invention belongs] The special technology is applied to the technical field of flexible trust management, especially the application of an instant and flexible control mechanism, so that the issuer is issuing an alternative currency. At the time, 'they can flexibly handle the amount of their trust', let the purchaser _ 〗 〖Yu Qiang guarantee, (4) the replacement of the currency, the tongue f Α (four) on behalf of the f-coin for trust, taking into account the technical areas of protecting consumers and activating their double benefits. [Prior Art] The medium-sized enterprise#, store or service provider of the household, in order to improve the customer's second, to achieve commercial promotion purposes, or to make the use of funds more active, etc., will issue a variety of (four) substitutes. , for example, the gift certificate of the entity, mention: =:, education and learning coupon, token, package, or virtual currency e-voucher stored value card, membership card, jog + card, prepaid card, prepaid membership fee / annual fee / Season fee / Φ Take the digital certificate such as r. Such a consumer who prepays the actual money to replace the currency trading mode, allows consumers to trade in a better discount currency and then to a special store in exchange for a value-for-money goods or services and enhance loyalty, so it is quite There are many shops or service providers, and the transaction amount is quite large. However, in recent years, there have been many issuers of the (four) substitutes, (10) battalions have not been covered and viciously closed down, etc., and there is no such thing as 苴中】" /, Dazhi, well-known enterprises, shops or service providers, but once issued The substitutes of the operators have closed down, and the #代货f purchased by the consumers usually takes the cash disputes of the value of the New Zealand (4), and also the cashback of the issuer's claim 5 200949738, so the losses are often heavy. As a result, consumers are more likely to be afraid of buying a prepaid alternative currency, even if they are not willing to invest too much money to avoid losing too much. Under such an atmosphere, it is not conducive to alternative currencies such as gift certificates, delivery vouchers, e-vouchers, stored value cards, membership cards, or prepaid membership fees/annual fees/season fees/monthly fees/package services (such as various beauty suits) Market development of service providers, wedding dress suits, fixed-number packages, etc.) In order to protect the vast number of consumers and enhance the confidence of consumers, the government has begun to implement a new system of gift vouchers, requiring all players to adopt performance guarantees, trusts, and peer associations when issuing certificates such as gift certificates or stored value cards. Guarantee the way to protect consumer rights. In the trust mode, financial institutions such as banks provide trust services for prepaid alternative currencies. If a company wants to issue a predetermined amount of alternative currency (whether or not it can be sold all), it must first deposit the full amount in the financial institution. The cash is handed over to the financial institution for the trust, and when the company is unable to present its substitute currency, it can be reimbursed by the financial institution. However, after the company delivers the full amount of cash to the trust, the funds cannot be used and circulated, and if the substitute currency cannot be sold out in a timely manner, it will cause long-term freezing of the issuer's funds, which will affect the actor's long-term behavior. Operational issues. Therefore, for the average company, the willingness to use the trust method to protect consumer rights in issuing alternative currencies is quite low. In order to solve the problem that virtual currency cannot be guaranteed, the former case is the Republic of China Public Publication No. 200713112, "The System and Method of Virtual Capital Operation on the Internet", which cannot solve the problem of consumers purchasing virtual currency of online games. In exchange for real money, or the fact that the virtual currency cannot be secured due to private transactions, a virtual capital operation system applied to the Internet is proposed, which mainly provides a trading platform for many consumers to use on the trading platform. To conduct virtual currency transactions, and the real money flow that occurs during this virtual currency transaction is deposited in the trust company 200949738 to secure the transaction of virtual currency on the Internet. The former case mainly solves the circulation and trading of virtual currency among many consumers, and does not allow the issue of 2 ash traders to protect consumers who own virtual currency, and must obtain the business. Or repaying the real currency of the equivalent, so it does not solve the previous problem. In order to improve the general practitioner's use of trust in the issue of gift vouchers, e-vouchers and other alternative currencies, (4) the willingness of consumers to solve the problem ^ is to be able to reduce the impact of the trust on the flow of funds, and make the trust mechanism more 1 Reasonable and flexible, to take care of Na's consumer rights and reduce the degree of corporate capital. Looking at the current trust systems and mechanisms on the market, it is impossible to achieve the desired goals. Therefore, in order to improve the foregoing problems, the inventors have deliberately studied and proposed an elastic trust system and method, which can communicate with at least a terminal device via a communication network, and the terminal device can transmit and replace (4) the issuance and payment information. Transferred to the system' and the issuance and reimbursement of the alternative material, and the system and the secret of the system of the present invention (4) the deposit amount and reserve amount information of the issuer of the alternative currency, and the replacement of the reserve amount immediately before the confirmation of the reserve amount is sufficient The mechanism of the trust and the replacement of the trust immediately after repayment (4), for the purpose of providing goods, trust, trust business, providing - proper, safe, flexible and easy to control (4) solution = currency [invention content] It is to propose a flexible trust system and method, which can be controlled by the p-time (the birth control mechanism, allowing the issuer to flexibly manage the trust amount when issuing the substitute currency and carrying out the t-trust, taking into account the guarantor and the active The double benefit of gold. Another part of this month is to use the flexible trust system and method of the present invention, only the substitute material When the lock is sold out, the value is _ reserve fund for trust, and when 7 200949738 * the alternative money is paid, the equivalent trust will be released from the trust, so that the issuer of the substitute currency can deliver the trust with the highest precision without prior The excessive amount of trust can reduce the financial pressure on the issuer and increase the willingness of the issuer to promote the development of the sales market of the alternative currency and the trust business opportunities of the financial institution. Another object of the present invention is to The flexible trust system and method of the invention, further, according to the needs of the alternative currency issuer, by setting or adjusting a maximum value of the reserve, to control the preparation of the alternative currency for the expected sale A reserve amount, so that the reserve amount does not need to be excessive and can satisfy the demand of the issuer to sell the substitute currency, so that the issuer can adjust and satisfy the market at any time according to market changes or capital status when calling the funds and issuing the alternative currency. Another object of the present invention is to provide a flexible trust system and method via the present invention. Further, it can be combined with a loan mechanism to allow a financial institution to use the trust amount and reserve amount provided by the issuer as an alternative currency as a loan collateral for loan evaluation. Further, it can be combined with a monitoring The mechanism allows the financial institution to monitor the issuer's trust amount and reserve amount after lending to reduce the risk of lending. According to a feature of the present invention, the present invention provides a flexible trust management system via a communication network At least one terminal device communication link, the terminal device can transmit an alternative currency issue and reimbursement message to the system, and issue and repay the alternative currency, and wherein the system includes: a storage device, The trust amount and the reserve amount information of the issuer storing the substitute currency, wherein the trust amount is a amount that the financial institution trusts for the issuer, and the reserve amount is prepared by the issuer for the trust The amount of the trust can be transferred; a first module for receiving the at least one terminal device Sending an alternative currency message 8 200949738, according to the issuer's reserve amount to confirm whether it can be issued, and transmitting a reply message to the at least one terminal device for judging whether the alternative currency can be issued, and in the substitute currency After the issuance, the amount of the alternative currency equivalent is transferred from the reserve amount to the trust amount; a second module is configured to receive the reimbursement message of the substitute currency transmitted by the at least one terminal device, and replace the reimbursed message The amount of the currency equivalent is transferred from the trust amount to the reserve amount; and a communication device for communicating with the at least one terminal device via the communication network. According to another feature of the present invention, the present invention provides a flexible trust management method, which is applicable to a flexible trust management system and at least one terminal device, and the system is linked to at least one terminal device via a communication network. The terminal device can transmit an alternative currency issue and reimbursement message to the system, and issue and repay the alternative currency, and wherein the method includes the following steps: the system stores the trust of the issuer of the substitute currency Amount and reserve amount information, wherein the trust amount is the amount that the financial institution trusts for the issuer, and the reserve amount is the amount that can be transferred to the trust when the issuer prepares for the trust; the system Receiving, by the at least one terminal device, the alternative currency message to be issued, confirming whether the issue is possible according to the reserve amount of the Q issuer, and transmitting a reply message to the at least one terminal device for determining whether the substitute currency can be issued, And after the alternative currency is issued, the equivalent amount of the substitute currency is from the reserve amount Transferring to the trust amount; and the system receives the reimbursement message of the substitute currency transmitted by the at least one terminal device, and shifts the amount of the equivalent value of the repaid alternative currency from the trust amount to the reserve amount. According to another feature of the present invention, the present invention provides a storage medium for flexible trust management, which is linked to at least one terminal device via a communication network, and the terminal device can transmit an alternative currency issue and payment message to the terminal. The storage medium 200949738, and the issuance and reimbursement of the alternative currency, and wherein the storage medium includes: a first program code for storing the trust amount and the reserve amount information of the issuer of the substitute currency, wherein The amount of the trust is the amount that the financial institution trusts for the issuer, and the reserve amount is the amount that can be transferred to the trust when the issuer prepares for the trust; a second program code is used to receive the trust amount. Transmitting an alternative currency message to be issued by at least one terminal device, confirming whether it is issueable according to the issue amount of the issuer, and transmitting a reply message to the at least one terminal device for determining whether the substitute currency can be issued, and After the alternative currency is issued, the amount of the alternative © currency equivalent is transferred from the reserve amount to the trust Amount; and a third program code for receiving the at least one terminal device transmits the alternate currency payment information message, which has been paid and the amount of alternative currency transfer from the trust equivalent to the amount of the reserve amount. In order to enable the reviewing committee to further understand the structure, features and functions of the present invention, the drawings and their specific embodiments are described in detail below. BRIEF DESCRIPTION OF THE DRAWINGS The objects, advantages and features of the present invention will become more apparent from the following detailed description of the embodiments of the invention. Rather than limiting the invention. The invention is mainly designed for the transaction of a prepaid alternative currency, and is particularly suitable for, but not limited to, a substitute currency issued by a general issuer such as a company, a store, a service provider or a legal entity, which is referred to by the consumer first. The physical or electronic voucher obtained by the payment for future exchange of goods or services of equal value or value, such as physical gift certificates, delivery vouchers, child exchange vouchers, educational vouchers, tokens, packages, or virtual currency electronic Gift certificate, stored value card, membership card, point card, prepaid card, prepayment meeting 10 200949738 fee / annual fee / season fee (four) / package service, digital certificate for payment, etc. The main feature of the present invention is that;; the Xiao Fei in the purchase - the issuer's alternative currency temple will be able to immediately check whether the money clerk has enough reserves to carry out the trust, and after passing the check, the substitute currency can be sold, and Immediately after the sale, the equivalent amount of the substitute goods sold will be raised from the reserve fund and the trust will be secured to protect the consumer right. After the replacement of the goods, the consumer will pay for it. For example, the consumer will buy the consumer. Or if the period of service agreed upon by the service or service has expired, the equivalent trust amount can be immediately released from the trust. For a system architecture of the invention, please refer to the figure - the line ((9) contains ^ device (10)), - __ _ _: module (office) and a communication device (10) heart wide 'the system 〇〇 The communication is carried out via the communication device (10)) and the communication network ^, the external 4 at least - the terminal device (10), the final (four) set (used to use, import and transfer the sale of an alternative currency issued by the issuer to the system) (10), which can correspond to different alternative currencies, can be 3 members, and the communication network (10) can be a wired or wireless communication form; respectively, each device and module are described in detail. See the network and the like. The storage device (102) stores at least one substitute item and a reserve amount, etc. The storage device (1G2) can be commercially available as a device or component of the trust amount of the user, such as a computer hard disk or a memory cartridge. The specific preferred implementer used to store the tape, or the external server, tape cabinet, remote data source library, optical disc, magnetic trust amount, and the amount of the museum' can be a financial institution (such as a bank, Post office, credit entry, kiss reference to the amount of 4 in the second a And - the reserve account in the reserve account.| etc.) One of the trust accounts is a financial institution trusted by the issuer, and the amount of the trust, that is, the issuer's delivery 11 200949738 is kept by the financial institution for guarantee The value of the substitute material and the amount of money that can be compensated to the owner when the alternative currency cannot be repaid' (4) The amount of the reserve is the amount that can be transferred to the trust when the issuer prepares for the trust, that is, the issuer deposits in advance in the financial The organization also agrees to convert the amount of the trust at any time. For another implementation of the trust amount and reserve amount, please refer to the second B chart, which can be used to establish a comprehensive account, which can include - trust amount and - reserve The amount, as in the bank's comprehensive live storage discount, may include the deposit amount and the living reserve amount. Since the financial institution is in the trust business, 'to avoid taking too much risk, the meeting' will be the maximum trustable amount as the financial institution. Agree to the maximum value of the trust for the issuer', which is the upper limit of the trust amount. The maximum trustable amount can also be stored. In the storage device (102). In addition, in order to allow the financial institution executing the trust to be more conveniently controlled, and to allow the issuer to more clearly distinguish the amount of health prepared for the upcoming alternative currency, The storage device (102) further includes a stored amount, and the specific implementation structure is referred to the second c-figure, which is an amount that allows the issuer to deposit the transfer at any time, which may be the issuer's general financial The deposit amount in the current account of the active deposit account, savings deposit account, transfer account, etc. in the institution, and the reserve amount can be set only for the purpose of preparing for the trust and receiving the trust, not for the issuer to deposit and transfer at any time. And the use, but the issuer can still move some of the amount to the liquid amount via the control B mechanism, that is, transfer the money from the reserve account to the mobile account. Another embodiment may also be adopted. A trust amount, a reserve amount, and a liquid amount are set in a comprehensive account. For the specific implementation structure, please refer to the second D diagram, wherein the current amount is the cash of the general account. The balance is available for the issuer to deposit, transfer, and use at any time. The first module (104) is mainly for receiving an alternative currency message of the terminal device (3〇) transmitted by the terminal device (3〇), confirming whether it can be issued according to the issuer's reserve amount, and transmitting a reply message to The terminal device (30) is configured to determine whether the alternative currency can be issued, and after the alternative currency is issued, the amount of the alternative currency equivalent is transferred from the reserve amount to the trust amount. That is, when the issuer intends to issue an alternative currency, the amount of the alternative currency to be issued, its issuer, and the like may be transmitted to the system (10) via a terminal device (30), by the first module (104). Reading whether the reserve amount in the storage device (102) is sufficient for the trust to be issued for the exchange of money, and if confirmed, returning a message of acceptance to the terminal device (30), by the terminal device ( 30) issuing the substitute currency, and then transmitting the completion completion message to the system (10) after the alternative currency is issued, by the first module (104), the amount of the substitute currency equivalent is from the reserve amount. Transfer to the trust amount. For example, the equivalent amount in the special account is transferred to the trust account or the equivalent cash in the consolidated account is changed to the trust amount. When the storage module (102) includes a maximum trustable amount, and the financial institution sets the trust amount performed by the issuer to not exceed the maximum trustable amount, the first module (104) receives When the message sent from a terminal device (30) to issue an alternative currency is included, whether the sum of the amount of the trust amount and the amount of the alternative currency to be issued exceeds the maximum trustable amount to confirm whether or not A trust in the alternative currency can be made. The terminal device (30) can have a plurality of different implementations depending on different alternative currencies and their distribution methods. For example, when the substitute currency is a coupon or a delivery ticket having a two-dimensional or three-dimensional barcode, the terminal device (30) may be a scanner and communication device having a two-dimensional or three-dimensional barcode to scan the two-dimensional image. Or after the 3D barcode, the barcode message is transmitted to the system (10); when the replacement currency is an electronic coupon, a stored value card, a point card or a membership card with a magnetic stripe, a 1C card or a SIM card, the terminal is loaded 13 200949738 Set (30) can be the corresponding card reader and one | set, such as card reader, cash register, p〇s terminal, to read or round the rough, you magnetic strip, 1C card or _^=Xilong_(1()) in the SIM card; when the surrogate material has the radio frequency standard =) = product 'such as, ', _ or other supplies, the terminal device does not have two a communication device; and, when the alternative currency does not have an entity but a set of special information or has been categorized, the above-mentioned number of PDAs, mobile phones, or Can owe computers, palmtop computers, digital vouchers and provide certified calculators, etc., special information or paid purchases Or a virtual business such as TV shopping; H Xiao', who is on the Internet shopping, the digital certificate of the electricity fee to the virtual store. When the f is 'providing the special information or the second module (1〇6) that has been paid is mainly used Reimbursing the information in the alternative currency, and transferring the amount of the trust transmitted by the terminal device to the amount of the _amount H = substitute value from the stored alternative currency, such as the number of points, _ (four) 4 f —IC stored value card (the terminal device of the store (3〇, if the IC card reader shop is used for consumption, via the merchant, and the message of the deducted substitute currency is transmitted to the substitute currency in the stored value card of Z ( 1〇6) The amount of the alternative currency to be repaid by 6 is released from the trust system (10), and the other embodiment of the second module is transferred to the health reserve amount. For the prepaid annual fee, quarterly fee or month (106), it may be included in the trust money period according to the alternative currency quality time 'the second module substitute currency is judged to have been paid for reading, etc. Further, the service (4) is used more, such as the reserve amount. Group (10) can be charged, The fee is divided into a plurality of hours/fees, etc. When the second mode expires, the ratio is replaced by (4) instead of “judged as compensated ^^ when each time zone is D and the equivalent trust money 14 200949738 is transferred to the Reserve amount. HS rose. The implementation method, when the substitute (4) is the prepaid B# belonging to the prepaid package service, "If the services are completed according to the package service, respectively, it is regarded as the itemized reimbursement stove, 'W dress The package service may include a variety of different services such as taking photos, such as dresses, providing venues, holding magpies, etc. (4) - the service should have a non-proportional alternative currency, and the second module (10) can include In order to be based on the alternative goods: when the service of each page is different, the alternative currency corresponding to each service is judged as paid and (4) the amount of the trust (four) the amount of the reserve. ❹
為了讓發仃者可對其資金控管更加精確及便利，該系統（⑼ 更包含有-第三模組（第一圖中未顯示），且該儲存裝置中更 包含儲存有i備金最大值，該儲備金最大值可由發行者自行設 疋及〇改-田該儲存裝置（1G2)之儲備金額超過該健備金最大值之 時，該第三模組即可將該儲備金額與該健備金最大值的差額，變 更成流動金額’也就是依據發行者之設定，將儲備帳戶中超過該 儲備金最大值的金額’移轉到該流動帳戶或其他帳戶中。該^ 金最大值之設定方式，當發行者之終端裝置⑽或是其他的終 置，為-電腦、PDA、行動電話或是可用以執行程式之計算器^ ，可由該終端裝置（30)中-設定模、组(3〇2)來進行設定並傳送到該 系統（10)之儲存裝置（102)以進行修改。另一實施方式則可採用1 由發行者另行經由其他的計算裝置，連線到該系統（1〇)，由該系矣’ (10)提供一可供修改的操作介面以供該發行者進行修改。 、冼 上述方式的好處是，為了讓商店端的資金可以有更佳彈性 調整，商店端可以隨時調整儲備金最大值，讓儲備金額中保留較 少金額，而將錢轉入一般帳戶》然而，當儲備金額過低或已被仁 託完畢時，有可能會造成無法讓其他的消費者來儲值。因此， ，讓 15 200949738 第三模組更可包含有另一機制，當儲備金額低於一儲備金最低限 值時，可自動從一般帳戶或其他指定帳戶中將事先設定的金額撥 入該儲備帳戶中，以提高該儲備金額。 在實際的商業應用中，該儲備金額的增加（或是該儲備帳戶的 資金匯入來源）可以有多種實施方式，例如，該發行者的存款（自行 存入金錢或由其他金融帳戶轉入等）、已消費之替代貨幣之等值金 額於解除信託後撥入、或是發行者之收單帳款（如信用卡交易確定 入帳者）匯入。而該儲備金額的減少，主要是當該發行者銷售出替 © 代貨幣時將其等值金額進行信託，以及當儲備金額超過該儲備金 最大值時，變更成流動金額或是移轉到其他帳戶。 為了讓發行者之資金能夠更加活用，且配合一般金融機構的 貸款機制，更進一步時，本發明可以結合一貸款機制，該系統（10) 更可以包含有一第四模組（第一圖中未顯示），用以依據該發行者之 信託金額、儲備金額相關資料來進行貸款評估，例如依據該信託 金額、儲備金額的中、長期平均值來評估其貸款風險、貸款成數 、貸款金額、貸款利率等。該第四模組更進一步時，還可依據該 Φ 發行者的交易資料、營收資料、替代貨幣的發行/償付狀況等資訊 ，來進行貸款評估。 此外，當該金融機構對該發行者予以貸款之後，為了讓該放 貸部門可以對該發行者有更良好的監控，該第四模組更進一步時 ，更包含用以依據監控條件進行監控，並將異常訊息即時傳送給 放貸部門。例如當信託金額、儲備金額、流動金額、交易狀況有 明顯變動時，或是當信託金額、儲備金額低於擔保金額時，該第 四模組即可將該訊息即時，以電子郵件、即時通訊、語音電話、 金融機構之内部系統訊息顯示等各種方式，通知該放貸部門或人 16 200949738 員等。 第三圖係為本發明提出一種彈性信託管理方法的流程圖，適 用於一彈性信託管理系統和至少一終端裝置之間，該系統係經由 一通訊網路與至少一終端裝置通訊鏈結，該終端裝置可傳送一替 代貨幣之發行與償付訊息並傳送到該系統，以及進行該替代貨幣 之發行與償付，且其中，該方法包含有以下步驟： 步驟S302,該系統儲存該替代貨幣之發行者的信託金額和儲 備金額資料，其中，該信託金額係為一金融機構為該發行者所信 © 託之金額，而該儲備金額係為該發行者所準備以供進行信託時可 轉付信託之金額； 步驟S304,該系統接收該至少一終端裝置所傳送欲發行之替 代貨幣訊息，依據該發行者之儲備金額來確認是否可發行，並傳 送回覆訊息至該至少一終端裝置以供其判斷是否可發行該替代貨 幣，以及於該替代貨幣發行之後，將該替代貨幣等值之金額從該 儲備金額移轉至該信託金額；以及 步驟S306,該系統接收該至少一終端裝置所傳送該替代貨幣 Q 之償付訊息，以及將已償付替代貨幣等值之金額從該信託金額移 轉至該儲備金額。 該方法步驟中，該系統更包含儲存有一最大可信託金額，其 係為信託金額之最大值，且其中，該步驟302中，更可依據該發 行者已信託金額與該欲發行替代貨幣之金額之和是否超過該最大 可信託金額，來確認是否可進行該筆替代貨幣之信託。 當該替代貨幣係為預繳會費、年費、季費、月費等之預付服 務費而依據時間到期自動視為償付時，該步驟S304中，係依據該 替代貨幣之約定服務時間到期時，將該替代貨幣判斷為已償付且 17 200949738 將等值的信託金額移轉到該儲備金額，該步驟s3〇4更進—步 係將會費、年費分為複數個時間區段，且當每—時間區段到=’ ，將等比例的替代貨幣判斷為已償付轉等值的信託金 = 該儲備金額。 釋到In order to allow the sender to more accurately and conveniently control the funds, the system ((9) further includes a third module (not shown in the first figure), and the storage device further includes a maximum amount of the reserve fund. The maximum amount of the reserve may be set by the issuer and the tampering - when the reserve amount of the storage device (1G2) exceeds the maximum value of the health reserve, the third module can reserve the reserve amount with the health reserve fund. The difference between the maximum value is changed to the current amount 'that is, according to the issuer's setting, the amount in the reserve account that exceeds the maximum value of the reserve' is transferred to the current account or other account. How to set the maximum value of the gold When the publisher's terminal device (10) or other terminal device is a computer, a PDA, a mobile phone, or a calculator that can be used to execute the program, the terminal device (30) can be used to set the mode and group (3〇). 2) to set and transfer to the storage device (102) of the system (10) for modification. Another embodiment may be used by the issuer to connect to the system via another computing device (1〇) By the system 矣' (10) A modified operation interface is provided for the publisher to modify. The advantage of the above method is that in order to make the funds of the store side have better flexibility adjustment, the store side can adjust the maximum value of the reserve at any time to make the reserve amount Keep a small amount and transfer the money to the general account. However, when the reserve amount is too low or has been completed, it may cause other consumers to store the value. Therefore, let 15 200949738 third The module may further include another mechanism. When the reserve amount is lower than a reserve minimum limit, the preset amount may be automatically transferred from the general account or other designated accounts to the reserve account to increase the reserve amount. In actual commercial applications, the increase in the reserve amount (or the source of funds for the reserve account) can be implemented in a variety of ways, for example, the issuer’s deposit (either deposited by itself or transferred from another financial account) Etc.) The equivalent amount of the alternative currency that has been consumed is transferred after the release of the trust, or the issuer’s receipts (such as credit card transactions are determined to be credited) Remittance. The decrease in the reserve amount is mainly due to the fact that the issuer trusts the equivalent amount when it sells the currency, and when the reserve exceeds the maximum value of the reserve, it changes to the liquid amount or It is transferred to other accounts. In order to make the issuer's funds more usable and to cooperate with the loan mechanism of the general financial institution, the present invention can be combined with a loan mechanism, and the system (10) can further include a fourth model. The group (not shown in the first figure) is used to evaluate the loan based on the issuer's trust amount and reserve amount information. For example, the loan risk and loan are evaluated based on the medium and long-term average of the trust amount and the reserve amount. The number of the loan, the loan amount, the loan interest rate, etc. The fourth module can further evaluate the loan based on the transaction information of the Φ issuer, the revenue data, and the issue/repayment status of the alternative currency. In addition, after the financial institution lends the issuer, in order to allow the lending department to have better monitoring of the issuer, the fourth module further includes monitoring for monitoring conditions, and Instantly send exception messages to the lending department. For example, when the trust amount, reserve amount, liquidity amount, transaction status change significantly, or when the trust amount and reserve amount are lower than the guarantee amount, the fourth module can immediately send the message to the email, instant messaging. , the voice phone, the financial system's internal system information display, etc., notify the lending department or person 16 200949738 staff. The third figure is a flowchart of a flexible trust management method, which is applicable to a flexible trust management system and at least one terminal device. The system is connected to at least one terminal device via a communication network, and the terminal is connected. The device may transmit an issue and reimbursement message of an alternative currency to the system, and issue and repay the alternative currency, and wherein the method includes the following steps: Step S302, the system stores the issuer of the substitute currency The amount of the trust and the amount of the reserve, wherein the amount of the trust is the amount that the financial institution trusts the issuer, and the reserve amount is the amount that can be transferred to the trust when the issuer prepares the trust; Step S304, the system receives the replacement currency message to be issued by the at least one terminal device, confirms whether the issuer is available according to the issue amount of the issuer, and transmits a reply message to the at least one terminal device for determining whether it can be issued. The alternative currency, and after the alternative currency is issued, the equivalent amount of the alternative currency is The reserve amount is transferred to the trust amount; and in step S306, the system receives the reimbursement message of the substitute currency Q transmitted by the at least one terminal device, and transfers the amount of the repaid alternative currency equivalent from the trust amount to the Reserve amount. In the method step, the system further includes storing a maximum trustable amount, which is the maximum value of the trust amount, and wherein, in the step 302, the amount of the trustee and the amount of the alternative currency to be issued may be further determined according to the issuer. Whether the sum exceeds the maximum trustable amount to confirm whether the trust of the alternative currency can be made. When the alternative currency is a prepaid service fee such as a prepaid payment, an annual fee, a season fee, a monthly fee, etc., and is automatically deemed to be repaid according to the time expiration, in step S304, the service time expires according to the agreed currency. At the time, the substitute currency is judged to have been repaid and 17 200949738 transfers the equivalent trust amount to the reserve amount, and the step s3〇4 is further advanced, and the annual fee is divided into a plurality of time segments, and When each time period reaches = ', the equal proportion of the alternative currency is judged as the trust money that has been paid to the equivalent amount = the reserve amount. Released
當該替代貨幣係為預繳套裝服務之預付據 務所較之各·務分別完成視為分項償付時，該㈣幻服 係依據該替代«之各藝務分別完成時，將對應於各項的 替代貨幣觸為已償付且料值的信託金—轉到該儲備金|的 該方法步驟中，該系統更包含儲存1備金最大值其: 該發行者自行設定及修改，且其中，該方= :當判斷該儲備金額超過該儲備金最大值 7驟 儲備金最大值的差額，移轉到另—帳戶中。、夺5 *備金額與該 該方法步驟中’該系統更包含儲存一、 ^ r 叫動金額以及一儲| 最大值’該流動金額係為該發行者可隨時支 两金 最大值，其係由該發行者自行設定及修改，且^金帛為儲備金 包含有以下步驟：當判斷該儲備金額超過該儲/、中j忒方法更可 該儲備金額與賴備金最大值的差額 Ί金最大值時’將 ^ _ .. - ^ ^ „ 得到變更為流動金額。 该方法更包含有以下步驟：依據該發行 ^ 頸 金額的相關資料來進行貸款評估；依據該發〜<信託金額和健備 收資料、替代貨幣的發行/償付狀況等資訊，:者的交易資料、營 及當該發行者予以貸款之後’依據一監控條件===4 該儲備金額進行監控，並將料訊息即時傳以㈣部門。額和 應注意的是，熟習本發明技術領域之一般人員應可理解 發明之系統及其更新方法亦可以由儲存於電腦或是其他紀錄 中的軟體或程序碼來予以實現及應用，因此，本發明提出— ，本 媒體 種應 18 200949738 » 用於彈性信託管理之儲存媒體，經由一通訊網路與至少一終端裝 置通訊鏈結，該終端裝置可傳送一替代貨幣之發行與償付訊息並 傳送到該儲存媒體，以及進行該替代貨幣之發行與償付，且其中 ，該儲存媒體包含有： 一第一程序碼，用以儲存該替代貨幣之發行者的信託金額和 儲備金額資料，其中，該信託金額係為一金融機構為該發行者所 信託之金額，而該儲備金額係為該發行者所準備以供進行信託時 可轉付信託之金額； G 一第二程序碼，用以接收該至少一終端裝置所傳送欲發行之 替代貨幣訊息，依據該發行者之儲備金額來確認是否可發行，並 傳送回覆訊息至該至少一終端裝置以供其判斷是否可發行該替代 貨幣，以及於該替代貨幣發行之後，將該替代貨幣等值之金額從 該儲備金額移轉至該信託金額；以及 一第三程序碼，用以接收該至少一終端裝置所傳送該替代貨 幣之償付訊息，以及將已償付替代貨幣等值之金額從該信託金額 移轉至該儲備金額。 Φ 該儲存媒體中，該第一程序碼更包含有一最大可信託金額， 其係為信託金額之最大值，且其中，該第二程序碼更包含依據該 發行者已信託金額與該欲發行替代貨幣之金額之和是否超過該最 大可信託金額，來確認是否可進行該筆替代貨幣之信託。 該儲存媒體中，該第一程序碼更包含儲存有一儲備金最大值 ，其係由該發行者自行設定及修改，且該儲存媒體更包含有：一 第四程序碼，用以當判斷該儲備金額超過該儲備金最大值時，將 該儲備金額與該儲備金最大值的差額，移轉到另一帳戶中。 該儲存媒體中，該第一程序碼更包含有一流動金額，其係為 19 200949738 暴 該發行者可隨時支用之金額，以及一儲備金最大值，其係由該發 行者自行設定及修改，且該儲存媒體更包含有：一第四程序碼， 用以當判斷該儲備金額超過該儲備金最大值時，將該儲備金額與 該儲備金最大值的差額，移轉到變更為流動金額；以及該第一程 序碼更包含有一儲備金最低限值，其係由該發行者自行設定及修 改，且該第四程序碼更包含用以當判斷該儲備金額少於該儲備金 最低限值時，發送一警示訊息給該發行者。 該儲存媒體中，該儲存媒體更包含有：一第五程序碼，用以 © 依據該發行者之信託金額和儲備金額的相關資料來進行貸款評估 ;以及該第五程序碼更包含用以於當該發行者予以貸款之後，依 據一監控條件以對該信託金額和該儲備金額進行監控，並將異常 訊息即時傳送給放貸部門。 如上所述，本發明的優點是，經由本發明的系統及方法，可 兼顧保障消費者及活絡其資金之雙重效益，讓替代貨幣的發行者 所交付信託的金額達到最精準以減輕該發行者的資金壓力，進而 促進該替代貨幣的銷售市場發展及該金融機構的信託業務商機， 〇 更進一步時，還可經由調整一儲備金最大值之機制，來控管該儲 備金額，讓該發行者於調用資金及發行替代貨幣時，能夠依據市 場變化或資金狀態來隨時調整及滿足其需求，實具有習知技術中 所缺乏的優點。 因此，無論就目的、手段及功效，在在均顯示本發明優於習 知技術，懇請貴審查委員明察，早曰賜准專利，俾嘉惠社會， 實感德便。惟應注意的是，上述實施例僅為了便於說明之舉例而 已，本發明所主張之權利範圍自應以申請專利範圍所述為準，而 非僅限於上述實施例，大凡依據本發明所為之各種修飾與變化， 20 200949738 或將本發明系統中之各項部件或步驟進行整合或分割，均仍應包 含於本案之申請專利範圍内。 【圖式簡單說明】 第一圖：本發明系統之架構圖。 第二A〜D圖：本發明實施例之實施架構圖。 第三圖：本發明方法之流程圖。 © 【主要元件符號說明】 10 本發明系統 102 儲存裝置 104 第一模組 106 第二模組 108 通訊裝置 20 通訊網路 30 終端裝置 ❹ 21When the alternative currency is a prepaid service for the prepaid package service, and each of the services is deemed to be a separate item, the (4) phantom service will be corresponding to each The alternative currency of the item is the repaid and valued trust fund - in the method step of transferring to the reserve | the system further includes storing the maximum amount of the reserve fund: the issuer sets and modifies itself, and wherein Party = : When it is judged that the reserve amount exceeds the difference between the maximum value of the reserves and the maximum value of 7 reserves, it is transferred to the other account. And the amount of 5 * reserve amount and the method step in the 'the system contains storage one, ^ r call amount and one store | maximum value', the flow amount is the maximum amount of gold that the issuer can support at any time. It is set and modified by the issuer, and ^金帛 is the reserve fund. The following steps are included: when it is judged that the reserve amount exceeds the reserve/mean method, the difference between the reserve amount and the maximum value of the reserve fund is the largest. When the value is 'will ^ _ .. - ^ ^ „ is changed to the current amount. The method further includes the following steps: the loan evaluation is based on the relevant information of the issuance amount; according to the issue~<trust amount and health Information on the data of the remittance, the issuance/repayment status of the alternative currency, the transaction data of the person, the battalion and the loan issued by the issuer are monitored according to the monitoring condition ===4, and the information is immediately transmitted. In the case of (4) Departments, it should be noted that those skilled in the art of the invention should understand that the system of the invention and its updating method can also be stored in a software or program code stored in a computer or other record. It is implemented and applied. Therefore, the present invention proposes that the media medium 18 200949738 » storage medium for flexible trust management communicates with at least one terminal device via a communication network, and the terminal device can transmit an alternative currency. Issuing and reimbursing the message and transmitting to the storage medium, and issuing and repaying the alternative currency, and wherein the storage medium comprises: a first program code for storing the trust amount and reserve of the issuer of the substitute currency Amount of money, wherein the amount of the trust is the amount that the financial institution trusts for the issuer, and the reserve amount is the amount that can be transferred to the trust when the issuer prepares for the trust; G. A second procedure And a code for receiving the alternative currency message to be issued by the at least one terminal device, confirming whether the issue is possible according to the issuer's reserve amount, and transmitting a reply message to the at least one terminal device for determining whether the issueable An alternative currency, and after the alternative currency is issued, the equivalent amount of the substitute currency is from the reserve Transferring the amount to the trust amount; and a third program code for receiving the reimbursement message of the substitute currency transmitted by the at least one terminal device, and transferring the amount of the equivalent value of the repaid alternative currency from the trust amount to the The amount of the reserve. Φ In the storage medium, the first program code further includes a maximum trustable amount, which is the maximum value of the trust amount, and wherein the second program code further includes the amount of the trustee according to the issuer. Whether the sum of the amounts of the alternative currency to be issued exceeds the maximum trustable amount to confirm whether the trust of the substitute currency can be performed. In the storage medium, the first program code further includes storing a maximum value of the reserve, which is The issuer sets and modifies itself, and the storage medium further includes: a fourth program code, when used to determine that the reserve amount exceeds the maximum value of the reserve, the difference between the reserve amount and the maximum value of the reserve, Move to another account. In the storage medium, the first program code further includes a flow amount, which is 19 200949738. The amount that the issuer can use at any time, and a maximum reserve amount, which is set and modified by the issuer. And the storage medium further includes: a fourth program code, when used to determine that the reserve amount exceeds the maximum value of the reserve, the difference between the reserve amount and the maximum value of the reserve is transferred to a liquid amount; And the first program code further includes a reserve minimum limit, which is set and modified by the issuer, and the fourth program code further includes when the reserve amount is determined to be less than the reserve minimum limit. , send a warning message to the issuer. In the storage medium, the storage medium further includes: a fifth program code, configured to: perform loan evaluation according to the information about the issuer's trust amount and the reserve amount; and the fifth program code is further included for After the issuer makes a loan, the trust amount and the reserve amount are monitored according to a monitoring condition, and the abnormal message is immediately transmitted to the lending department. As described above, the present invention has the advantage that, through the system and method of the present invention, the dual benefits of protecting consumers and activating their funds can be achieved, and the amount of the trust delivered by the issuer of the alternative currency can be minimized to alleviate the issuer. The financial pressure to promote the development of the sales market of the alternative currency and the trust business opportunities of the financial institution. Further, when adjusting the maximum value of a reserve fund, the reserve amount can be controlled to allow the issuer When invoking funds and issuing alternative currencies, it is possible to adjust and meet their needs at any time based on market changes or funding status, and has the advantages that are lacking in conventional technology. Therefore, regardless of the purpose, means and efficacy, the present invention is shown to be superior to the prior art, and the reviewing committee is required to pay attention to it, and to grant the patent as early as possible, and to benefit the society. It should be noted that the above-described embodiments are merely examples for convenience of description, and the scope of the claims should be based on the scope of the patent application, and not limited to the above embodiments, and various Modifications and Variations, 20 200949738 or the integration or division of the various components or steps of the system of the present invention are still included in the scope of the patent application of the present application. [Simple description of the diagram] First figure: The architecture diagram of the system of the present invention. Second A to D: An implementation diagram of an embodiment of the present invention. Third Figure: Flowchart of the method of the invention. © [Main component symbol description] 10 Inventive system 102 Storage device 104 First module 106 Second module 108 Communication device 20 Communication network 30 Terminal device ❹ 21