201203145 六、發明說明： 【發明所屬之技術領域】 本發明是關於-種電子貨幣轉換純及方法，特別是關於—種將一般 公司行號發給客戶的點數轉換成電子㈣之轉⑽統與松。本發明之系 統與方法提供消費者不需經過複雜的轉換系統與機制，即可將一般公司行 號所發給醜數轉換成電子料，以便在網路上及在倾商麟物的應用c 【先前技術】 -般所稱的電子貨幣’是指金融機構所發行的電子牌，例如銀行所 發的信用卡所代表的儲值(credit) ’或者銀行金融卡或現金卡内所代表的存 款。無論是信用卡的儲值或金融卡、現金卡的存款，都是以國家所發行的 貨幣為基礎’且須透過複雜的金㈣子網路齡進行交肖，才能行使。 至於-般公司行號發給客戶的會員「點數」，也可以稱為「電子貨幣」。 因為這種點數代表相當_賴值，可以用來購買各觀品或服務，但是 受限於發給點數的公司行號所·的設備，無法與大量的廠鼓易。通常 只能用來購買該公司行號已經「上架」的產品或服務，果需要使該點數 能夠具有電子將的功能，則必須投資增船鱗設備與軟體，並且在數量 龐大的協力廠躺也裝置龍的裝物说，各觀誠驗證機 制，才能使其客戶利用該點數與不同的廠龍行交易，蹲買產品或服務。 對消費者而言，各公司行號分別發給的點數，只能在發給的公司行號， 或者少數有合侧係並配備必要設備的實體商店或網路商料費。因此除 非是非細嫩品_，_會有花__峰如果點數 是贈送或附送’因為用途不大’使用範圍受限，並不會加以重視。使得這 201203145 是容許消費者使用所發給_數，睡㈣201203145 VI. Description of the Invention: [Technical Field] The present invention relates to an electronic money conversion method and a method, in particular, a point in which a point of a general company line number is sent to a customer is converted into an electronic (four) turn (10) system. With pine. The system and method of the present invention can provide consumers with the need to go through complicated conversion systems and mechanisms, and can convert the ugly number issued by the general company line number into an electronic material, so as to be applied on the network and in the application of the product. Prior art] The term "electronic money" refers to an electronic card issued by a financial institution, such as a credit represented by a credit card issued by a bank, or a deposit represented by a bank financial card or cash card. Whether it is the stored value of a credit card or a financial card or a cash card deposit, it is based on the currency issued by the country and must be exercised through the complicated gold (4) subnet age. As for the "points" of the members sent to the customers by the general company number, they can also be called "electronic money." Because such a point represents a considerable value, it can be used to purchase various goods or services, but the equipment that is limited to the company number issued to the points cannot be easily used with a large number of factories. Usually it can only be used to purchase products or services whose company's line number has been "supplied". If you need to make this point have the function of electronic, you must invest in adding scale equipment and software, and lie in a large number of cooperative factories. It is also said that the installation of the dragon said that each of the inspection mechanisms can enable its customers to use this point to trade with different factory dragons and buy products or services. For consumers, the number of points issued by each company's line number can only be the number of the company to be issued, or a few physical stores or network merchants that have the side equipment and the necessary equipment. Therefore, unless it is a non-fine product _, _ will have a flower __ peak if the number of points is a gift or attached 'because the use is not large' limited use, and will not be taken seriously. Make this 201203145 is to allow consumers to use the number issued, sleep (four)
借用百貨公司或大賣場產品品項繁多的 種點數的獎勵效果以及刺激消費作用降低。 種改善上述問題的方式，是容畔消着 司或大賣場的 的優點，擴大 點數的使用範ϋ。不過’這種作法的效用仍然受到限制，因為即使是百貨 公司或大賣場，所提供的產品仍然可能無法滿足消費者所需。此外，實體 禮券的印製、購買、運送、保管等，都需要個專t的技術，並且耗費成 本與時間。 因此目前實有必要提出-種能夠使一般公司行號所發給的點數，發揮 電子貨幣功能的機制，滿足消費者將點數做為電子貨幣使用的需求。 同時也必須有—種簡單的電子貨幣轉換系統，使得發給點數的公司行 號不必增購複雜的電子貨幣轉換設備與軟體，即可將發給客戶的點數轉換 成電子貨幣。 同時也必須有一種簡單的電子貨幣轉換系統，可以簡化一般公司行號 發給點數的轉換手續，免除發行實體禮券之麻煩。 【發明内容】 本發明的目的即在提供一種能將一般公司行號發給客戶，代表特定財 產價值的點數，轉換成電子貨幣的系統。 本發明之目的也在提供一種不必使用複雜的軟硬體設備，即可將一般 公司行號發給客戶之點數轉換成電子貨幣的系統。 本發明之目的也在提供一種不必藉助實體禮券，即可使一般公司行號 發給客戶之點數轉換成電子貨幣的系統。 5 201203145 本發明另一目的也在提供適合使用在上述系統之電子貨幣轉換方法。 x發$ h提供-種電子貨幣轉換系統，用以接受使用者的指示， 將代表相當財產價值的電子點數轉換成電子貨幣，該系統包括·· 一電子點數發行絲職置，絲處理代表相當職健之電子點數之 發行與管理； 電子^點數轉換裝置，連結該電子點數發行與管理裝置，用來依據一會 員電腦之知作’將存在該電子點數發行與管理裝置中之電子點數，與特定 之銀行進行電子職與電子㈣之交換，·及 一電子貨幣發行與管理裝置，連結於該特定銀行之_系統，用來處理 客戶帳戶内電子貨幣之新增發行與管理。 在上述她t ’該電子缝發行與管理裝置可包括—會員管理舰器， 用來線上即時自動管理會„料…會員資料庫，記載會員的個人資料與 電子點數餘額。 ^電子點數轉換裝置提供一人機介面，以供會員登入，進行電子點數轉 、業，並包括一客户管理值器，用來進行客戶資料的線上即時自動管 理，一客戶資料庫，記載客戶的個人資料與帳戶及/或點數餘額並提供— 1面以便客戶進行帳戶線上查詢、管理、匯兒、轉帳等。 該電子點_縣置可魏輯？靠發行鮮料 :交換方式認一給特定金額的電子貨幣，並將發給二 帳至該會員在該銀行之電子貨幣帳戶。 該電子貨幣發行與管理裝置提供一通訊介面，可以透過特定的通信規 、力，接找電子點數轉換裝置的請求，進行帳戶的查詢，點數與電子” 201203145 之轉換等管理作業。 又根據本發明之電子貨幣轉換方法，係供使用在具有上述特徵之系統 中’將一般公司行號發、給客戶之電子點數，轉換成電子貨幣之方法。該方 法包括以下步驟： 接受一會員請求電子點數轉換服務； 連結該會貞選擇之特定銀行之電子t幣發行辨理裝置； 判斷該會員請求之轉換點數方式是否符合預定之交易規則； 使祕行之電子貨幣發行與f理裝置驗證該會員之身分； 於該會員請求之轉換符合交且該會員身分驗證通猶進行該 轉換；否則，拒絕會員之請求；及 報告處理結果。 在本發明另一貫例中’該電子貨幣轉換方法，另包括一根據該處理結 果進行結算之步驟。此時，魏子將轉換祕另包括—結狩理裝置， 連結該電子趙觀裝置弟㈣子點歸行與f«置，时在該電子點 數轉換裝置與該電子貨幣發行與管理裝置完成點數轉換後，進行結算。 【實施方式】 本毛明提供—種自動化、網路化且便利的電子貨料換系統與方法。 利用本發日_供之電子_換_方法，取得—般公司行號發給， 树糊_作，輸數轉換成 舒貨幣，而絲錢乎所有商额買商品或服務。_發給點數之公司 价虎則不4購昂貴、複雜的電子f幣交易裝置及軟體，即可使所發給 的點數，能夠在各種商店消費。 7 201203145 雖然不欲為任何理論所限制，但本»明人發現，目前-般公司行號 發給客戶之「點數」，都是以電子形式存在。亦即，該點數代表若干財產價 值，可以根據與發給公司間的約定，兒換_價值的產品或服務。但受限 於使用之技術與设備，能接受兒換的廠商只限於該發給點數之公司行號， 以及/數具有特殊關係與連結設備之協力廠商。使得該電子點數之效用大 減，無法成為真正的電子貨幣。 然而也由於該點數存在「電子形式」之特徵，容易經過必要的修正後， 用在自動化、電子化、網路化的交易中。同時，目前由於銀行電子化普遍 發達’銀行所發給的電子貨幣在效用上等同於現金。如果能夠提供—種自 動化的乂換機制’將一般公司行號所發給的點數轉換成特定銀行的電子 貨幣’則取得該點數之客戶即可透過銀行已經具有的認證、交換系統，向 與雜订有直接、間接連結關係之_，購買產品或服務。真正達到將點 數轉換成電子貨幣之目的。 以下根據圖式說明本發明之電子貨幣轉換系統與方法之實施例。第1 圖即表示本發明電子貨轉換純之魏方塊®。如騎心該電子貨幣 轉換系統大致上具有： -電子點數發行與管理裝置10，用來處理代表相當財產價值之點數之 發行與管理； —電子點數轉換裝置20，連結該電子點數發行與管理裝置川，用來依 據—會M之操作’將存在該會員資料庫中之電子雜，與特定之銀行50進 行電子點數與電子貨幣之交換； 電子貨^發仃與管理裝置4〇，連結於該特定銀行5〇之電腦系統，用 201203145 來處理客戶帳戶内電子貨幣之新增發行與管理·及 一結算管理織30,輕_子賴軸 管理裳置4G ’用來在該電子點數 、—電子點數發行與 '、置2〇與該電子貨幣發行與管理梦罟 40元成點數轉換後，進行結算。 /、 裝置 圖細之電子點數發行與管理裝置1Q，是—種電腦設備，用來處理 代表相當職價值之職之贿與管理 交易、計算、㈣等^、。括會員註冊、點數發給、點數 號所使_服_腦，以似_可_—般公司行 Λ ^姐 魏以及已知之電子點數發行與管理軟體，加以達 成。此夠如供這種電子點數發 功犯的軟體。此外，目前在各行各 繳交—筆費用，或因客戶完成一筆交易’而發給客戶特定數量’ 代表相當財產交換價值的點數，已經非常常見。因此，這種電子點數發行 與管理系統應屬此行業人士能夠實施的技術。其詳情不在這裡資述。 錢子點數發行與管理数1Gitf會使用__會員管理_⑼，用來線 寺自動吕理0員貝料。另可能具備一會員資料庫102,當中記載會員的 個人f料與㈣咖。❹卜，嫩峨騎咖，會員的消費 土史彔電子點數增減歷史紀錄等’有助於交易安全並便利管理的必要 ^ 、電子』數發行與管理裝置10通常會透過-網路词服器1〇3，連接 _際_ ’並提供至少_㈣，以便會員進行線上管理電子點數，包括 '冊’泉上購買點數、線上申請點數、線上點數兒換，以及線上點數 X換等。大部份的電子點數發行與管理裝置10更可能包括一會員關係模組 用來對會員發出聯繫用電子郵件，以及發送廣告。 j用”有上述特徵之電子點數發行與管理裝置10，可以接受會員註冊，或 201203145 由官理者幫會員註冊，販賣或發給點數，進行兒換，與協力廠商進行兒換， 以及記錄後述之與銀行交換電子貨幣。 連結该電子點數發行與管理裝置，用來將存在該會員資料庫1〇2中 之電子點數，與特定之銀行進行電子點數與電子貨幣之交換。該電子點數 轉換裝置20提供-人機介面2G1，通常是—網頁，以供會員登人進行電 子點數轉換作業。此種網頁可以根據實際需求現有技術加以設計， 供在本發明制^該電子錄轉觀置2G可透麵網關㈣⑼連結特 定銀行5〇之電子貨帶發行與管理裝置4〇，依照雙方約定的資料交換方式認 證，請求發給特定金額的電子貨幣，並將發給的電子貨幣轉帳至該會員在 該銀行之電子貨幣帳戶。 在本發明之實施例中，所謂之「電子貨幣」可以包括各種可以向商家 請求兒換、賴商品或服務之職雛，—f子戦存在者。舉凡前述 之L用卡儲值、金融卡中之帳戶餘額，乃至於銀行發給客戶的點數，均可 做為適用在本發明之電子貨幣。該等形式之電子貨幣因為銀行所發給，可 以用來購買所有與該銀行直接可進行電子Μ，以及可透過侧卡機構或 其他交換機制’間接進行電子交㈣朗所提供的產品及服務。與一般公 司行號所發給的點數，完全不同，而可視為現金。故而稱為「電子貨幣」。 八中銀行所發給的點數，雖然發給方式與一般商家相同，但是其效用等 同於電子貨幣。故而也可以視為電子貨幣的一種。 與則述電子點數發行與管理裝置帅同該電子將發行與管理裝置 通常會使用-客戶管理值器，用來進行客戶資料的線上即時自動 管理。另具備—客戶資料庫402，記載客戶的個人資料與帳戶餘額。如應用 201203145 在銀行點數，則記載客戶的點數餘額。此外，該客戶資料庫4〇2也會*己錄 客戶的通_碼’帳戶歷史等，有助於交易安全並便利管理的資訊。該電 子貨幣發行與管理錢4〇通常會透過—晴伺㈣連接_際網路， 並提供至少-客戶介面404,通常為一網頁，以便客戶進行帳戶線上查詢、 管理、匯兒、轉帳料。如有銀行點數，職線上服務尚可包括線上註冊、 線上賭買點數、線上申請點數、線上點數兒換，以及線上點數交換等。該 客戶"面404也可為—櫃員機，提供線上的帳戶查詢、管理、匯兒、轉帳 等服務。 上述電子貨幣發行與管理裝置4〇可以直接使用目前各銀行提供電子銀 行或網路銀行相同或類似的系統，或將現有銀行之電子銀行或網路銀行系 統猶作修正’制於本發明。該電子貨幣發行與管理裝置⑽通常會包括一 般銀行或其他公司行號所使用之飼服器級電腦，以及已知之電子貨幣發行 與管理軟體。由於該電子貨幣發行與管理裝置4〇乃是 術之專家不難嫩上之說明，加以實現，故而其詳情在此構述。"技 亥電子貨幣發稍f理裝置4〇膽供_通訊介面⑽5，可以透過特定 的通信規約，接受魏子錄賴裝置2G的請求，使得麟授權可以操作 錢子點數轉歸置2G的人貞，直接連結該電子牌發行與管理裝置4〇， 取得授權’進而進行帳戶的查詢，點數與電子謂電子牌或銀行點數） 之轉換等管理作業。 該電子點數轉錄置Μ與該電子㈣發行與f理裝置⑼之連結與資 ;‘·奐為本發明之重點之一。詳言之，該電子點數轉換裝置的功能乃是 在曰員的知作下’連結特定銀行％之電子貨幣發行與管理裝置仙，進行線 201203145 上自動化點數轉換。在設計上必須確保 幣發行盥管理裝置40門 電子讀轉換裝置20與該電子貨 ^ 蘭，以及其間_賴的安全。以下根據 圆式说明該電子點數轉換裝置2() * 結與資料交換之步驟。 ”錯仃與管理裝置侧之連 卿難&咖子跑倾管理裝置仰 曰之連結與資料交換之方法流程圖。如圖所示於步驟划—會員從自家 電腦，透過網際網路或其他網路連線，聽該電子職轉換咖之人機 栅㈣卜請求電子點數轉換服務。該人機介面2〇1可為―網頁或為一自動 植貝機。於步驟如該電子點數轉換裝置2〇請求該會員輸入會員名稱與密 碼’於步驟3〇3接受該會員所輸入之資料，並提取該會員使用電腦之π位 址士該電子點數轉換裳置π將該會員名稱與密物亥電子點數 發仃與官理裝置】0之會員資料庫1〇2_存之會員資料進行比對。如比對 不。’則於步驟3〇5發出警訊，請求會員重新輸入資料或者中斷連結，並 紀錄该電腦之IP位址。步驟回到3〇2。於比對符合時，在步_將該會 員之點數貝料予其他必要資料從該會員資料庫⑽中提出，備用。並進入 步驟307。 於/驟307補子點數轉換裝置2〇詢問該會員所要轉換點數的方式。 於本例中，該會貞乃是要將其财之點雜換成特定崎之電子貨幣。（如 會員請求將其财之崎兒換成現金、禮券，或者时前特定之商品， 服務，則本發明之系統可將該會員之作業引導至其他已知技術之模組，進 灯兄換或購買之作^此部份之作業_f知技術，在此也不需說明。）於 /驟307 5!會員輸入「請求轉換成電子貨幣」之指令至該電子點數轉換裝 12 201203145 置20從該電子點數發行與管理裝置 置20。於步驟308該電子點數轉換裝 10之會貝f料庫102中提出該會員已經登錄之銀行與帳戶號碼，並將所登 錄之銀仃名稱顯示於該人機介面1()2，請求會員選擇所要轉換的對象銀行。 士果會員所麵擇的銀行尚未登錄，則於步驟·接受會員輸入「其他銀 行」後，於步驟3H)顯示有合作關係的銀行名稱，以供選擇、所有_ 停止操作」之指 之銀行均非會員所要選擇，則於步驟311接受會員輸入 令，結束作業。The use of a variety of points in the department store or hypermarket products to reward and reduce the consumption effect. One way to improve the above problems is to replace the advantages of the company or the hypermarket and expand the use of points. However, the effectiveness of this practice is still limited, because even in department stores or hypermarkets, the products offered may still not meet the needs of consumers. In addition, the printing, purchase, transportation, and storage of physical gift certificates require a special technology and cost and time. Therefore, it is necessary to propose a kind of mechanism that enables the number of points issued by the general company line number to play the role of electronic money, and meets the demand of consumers to use points as electronic money. At the same time, there must be a simple electronic money conversion system, so that the company number issued to the point can be converted into electronic money without having to purchase complicated electronic money conversion equipment and software. At the same time, there must be a simple electronic money conversion system, which can simplify the conversion process of general company line numbers to points, and eliminate the trouble of issuing physical gift certificates. SUMMARY OF THE INVENTION An object of the present invention is to provide a system capable of transmitting a general company line number to a customer, representing a point of a specific property value, and converting it into electronic money. It is also an object of the present invention to provide a system for converting the points of a general company line number to a customer into electronic money without using complicated hardware and software equipment. It is also an object of the present invention to provide a system for converting the points of a general company line number to a customer into electronic money without resorting to a physical coupon. 5 201203145 Another object of the present invention is also to provide an electronic money conversion method suitable for use in the above system. x sends $h to provide an electronic money conversion system for accepting instructions from the user to convert electronic points representing considerable property value into electronic money. The system includes ·· an electronic point issuing silk position, silk processing Representing the issuance and management of the electronic points of the equivalent job; the electronic ^ point conversion device, which is connected to the electronic point issuance and management device, and is used to make the electronic point issuance and management device based on the knowledge of a member computer The number of electronic points in China, the exchange of electronic jobs and electronic (4) with specific banks, and an electronic money issuance and management device linked to the specific bank's system to handle the new issuance of electronic money in customer accounts. And management. In the above, she can't include the member management ship, which is used for online automatic management. The member's database is recorded, and the member's personal data and electronic credit balance are recorded. ^Electronic point conversion The device provides a human-machine interface for members to log in, conduct electronic point transfer, industry, and includes a customer management valuer for online automatic management of customer data, a customer database, and record customer's personal data and account. And / or the balance of the points and provide - 1 side for the customer to conduct online account inquiry, management, remittance, transfer, etc. The electronic point _ county set can be Wei? by issuing fresh materials: exchange method to recognize a certain amount of electronic The currency will be sent to the member's electronic money account at the bank. The electronic money issuance and management device provides a communication interface that can access the request of the electronic point conversion device through specific communication rules and forces. Conduct account management, point and electronic management operations such as the conversion of 201203145. Further, the electronic money conversion method according to the present invention is a method for converting the electronic number of the general company line number to the customer into the electronic money in the system having the above characteristics. The method comprises the steps of: accepting a member requesting an electronic point conversion service; connecting an electronic t-currency issuing and identifying device of the specific bank selected by the meeting; determining whether the conversion point method requested by the member meets a predetermined trading rule; The secret electronic money issuance and verification device verify the identity of the member; the conversion requested by the member is in compliance with the member's identity verification and the conversion is performed; otherwise, the member's request is rejected; and the processing result is reported. In another embodiment of the present invention, the electronic money conversion method further includes a step of settlement based on the processing result. At this time, Wei Zi will convert the secret to include the knot-hooking device, and connect the electronic Zhao Guan device brother (four) to the sub-point return and f«, when the electronic point conversion device and the electronic money issuance and management device are completed. After the point conversion, settlement is performed. [Embodiment] The present invention provides an automated, networked and convenient electronic material exchange system and method. Using the method of this _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _The company that sends the number of points. The price tiger does not purchase expensive and complicated electronic f-currency trading devices and software, so that the points issued can be consumed in various stores. 7 201203145 Although it is not intended to be limited by any theory, this article has found that the “points” that are currently issued to customers by the general company line number are in electronic form. That is, the point represents a number of property values that can be exchanged for _ value products or services based on an agreement with the company. However, due to the technology and equipment used, the manufacturers that can accept the change are limited to the company number that issued the points, and the number of vendors with special relationships and connected devices. The utility of this electronic point is greatly reduced and cannot be a real electronic money. However, since this point has the characteristics of "electronic form", it is easy to use the necessary corrections and is used in automated, electronic, and networked transactions. At the same time, due to the widespread development of electronic banking, the electronic money issued by banks is equivalent to cash in utility. If you can provide an automated switching mechanism to convert the points issued by the general company line number into the electronic money of a particular bank, then the customer who obtained the point can use the authentication and exchange system already owned by the bank. Buying products or services with a direct or indirect connection with miscellaneous subscriptions. Really achieve the purpose of converting points into electronic money. Embodiments of the electronic money conversion system and method of the present invention are described below based on the drawings. The first figure shows the pure block of the electronic goods of the present invention. The electronic money conversion system generally has: - an electronic point issuance and management device 10 for processing the issuance and management of points representing a considerable property value; - an electronic point conversion device 20 connecting the electronic points The issuance and management device Chuan is used to exchange electronic points in the member database with the electronic bank of the specific bank 50 according to the operation of the meeting M. The electronic goods and the management device 4 〇, connected to the computer system of the specific bank, using 201203145 to handle the new issuance and management of electronic money in the customer account and a settlement management woven 30, the light _ _ axis management The number of electronic points, the number of electronic points issued, and the 'set 2' and the electronic money issuance and management nightmare 40 yuan into points, the settlement. /, Device The electronic point issuance and management device 1Q is a kind of computer equipment used to handle bribes and management transactions, calculations, (4), etc. on behalf of equivalent positions. Including the member registration, the number of points issued, the number of points made _ service _ brain, like _ can _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ This is enough for the software to make such electronic points. In addition, it is now common to pay a fee for each line, or to issue a specific amount to a customer's value for a transaction. Therefore, this electronic point issuance and management system should be a technology that can be implemented by people in this industry. The details are not here. The money distribution and management number 1Gitf will use __member management _ (9), used to line the temple automatic Lu Li 0 staff. There may also be a member database 102, which records the member's personal f material and (4) coffee. ❹ , , , , , , , , , , , , 会员 会员 会员 会员 会员 会员 会员 会员 会员 会员 会员 会员 会员 会员 会员 会员 会员 会员 会员 会员 会员 会员 会员 会员 会员 会员 会员 会员 会员 会员 会员 会员 会员 会员 会员 会员Server 1〇3, connect _ _ _ ' and provide at least _ (four), so that members can manage online electronic points, including 'book' spring purchase points, online application points, online points, and online points The number X is changed. Most of the electronic point issuance and management devices 10 are more likely to include a membership module for sending out emails to members and sending advertisements. j "With the above-mentioned features of the electronic point issuance and management device 10, you can accept membership registration, or 201203145 by the official to help members register, sell or send points, change, and exchange with the manufacturers, and Recording the exchange of electronic money with the bank as described later. The electronic point issuance and management device is connected to exchange the number of electronic points in the member database 1 and 2 with the electronic bank of the specific bank. The electronic point conversion device 20 provides a human-machine interface 2G1, usually a web page, for members to perform electronic point conversion operations. Such a web page can be designed according to actual needs and provided in the present invention. The electronic record transfer 2G transparent gateway (4) (9) is connected to the electronic bank distribution and management device of the specific bank 5〇, and is certified according to the data exchange method agreed by both parties, requesting the issuance of a certain amount of electronic money, and will be issued The electronic money is transferred to the electronic money account of the member at the bank. In the embodiment of the present invention, the so-called "electronic money" may include various types of Ask the merchant to change the child, the product or the service of the child, the existence of the child. The above-mentioned L card storage value, the account balance in the financial card, and even the points issued by the bank to the customer can be used as the electronic money applicable to the present invention. These forms of electronic money, which are issued by banks, can be used to purchase all products and services that are directly available to the bank and can be indirectly provided by the side card agency or other exchange system. It is completely different from the number of points issued by the general company line number and can be regarded as cash. It is called "electronic money". The points issued by the Eighth Bank are the same as those of the general merchants, but their utility is equivalent to electronic money. Therefore, it can also be regarded as a kind of electronic money. The electronic point issuance and management device is the same as the electronic point issuance and management device. The electronic distribution and management device usually uses the -customer management value device for online automatic management of customer data online. There is also a customer database 402 that records the customer's personal data and account balance. If the application 201203145 is in the bank, the customer's credit balance is recorded. In addition, the customer database 4〇2 will also record the customer's pass-code' account history, etc., which will help to secure the transaction and facilitate the management of the information. The electronic currency issuance and management money is usually connected to the Internet through the Internet, and provides at least a client interface 404, usually a web page, for the customer to conduct online inquiry, management, remittance, and transfer of accounts. If there are bank points, the online service can include online registration, online gambling points, online application points, online points, and online point exchange. The customer "Face 404 can also be a teller machine, providing online account inquiry, management, remittance, transfer and other services. The above-mentioned electronic money issuance and management apparatus 4 can directly use the same or similar system in which the current banks provide electronic banking or online banking, or modify the electronic banking or online banking system of the existing bank as the invention. The electronic money issuance and management device (10) typically includes a server-grade computer used by a general bank or other company number, as well as known electronic money issuance and management software. Since the electronic money issuance and management device 4 is an expert of the art, it is realized, and the details thereof are described herein. "Technology electronic money issued a little bit of equipment 4 〇 _ communication interface (10) 5, can pass the specific communication protocol, accept the request of Wei Zi recorded device 2G, so that Lin authorized to operate the money points to return to 2G people贞, directly connected to the electronic card issuance and management device 4, obtaining authorization, and further management of the account, and the conversion of points and electronic electronic cards or bank points. The electronic dot transcription is linked to the electronic (4) distribution and the device (9); ‘·奂 is one of the focuses of the present invention. In detail, the function of the electronic point-to-digital conversion device is to link the specific bank's electronic money issuance and management device with the knowledge of the employee, and perform automatic point conversion on the line 201203145. It is necessary to ensure the security of the electronic distribution conversion device 20 and the electronic goods, as well as the electronic goods. The steps of the electronic point conversion device 2() * junction and data exchange will be described below based on a circular pattern. "The wrong way and the management device side of the company is difficult to & the café running management device depends on the connection and data exchange method flow chart. As shown in the steps - members from their own computers, through the Internet or other Internet connection, listen to the electronic job conversion machine (4) Bu request electronic point conversion service. The human machine interface 2〇1 can be “webpage or an automatic planting machine. In the steps such as the electronic points The conversion device 2 requests the member to input the member name and password 'in step 3〇3, accepts the information input by the member, and extracts the member's use of the computer. The electronic point conversion is performed. The member name is密密海电子点发仃 and the official device] 0 member database 1〇2_ deposit member information for comparison. If the comparison is not. ' Then in step 3 〇 5 issued a warning, request members to re-enter Data or interrupt the link, and record the IP address of the computer. The steps back to 3〇2. When the comparison is met, in step _ the member's points and other materials are submitted from the member database (10) , standby, and proceed to step 307. The 07-point-point conversion device 2 asks the member how to convert the number of points. In this example, the meeting is to exchange the money for the specific electronic money of the specific Qi (if the member requests it) If the money is exchanged for cash, gift certificates, or specific goods and services, the system of the present invention can guide the operation of the member to other known technology modules, and enter or purchase the light brothers. Part of the operation _f knowing technology, there is no need to explain here.) In / 307 5! Member input "Request to convert to electronic money" command to the electronic point conversion device 12 201203145 Set 20 from the electronic points The distribution and management device is set to 20. In step 308, the bank and account number of the member has been logged in the conference box 102 of the electronic point conversion device 10, and the registered silver plaque name is displayed on the human machine interface 1 () 2, requesting members Select the object bank you want to convert. If the bank selected by the staff member has not been logged in, then in step · accept the member to enter "other bank", in step 3H), display the bank name of the partnership, for selection, all _ stop operations, refer to the bank If the non-member wants to select, the member input order is accepted in step 311, and the job is ended.
會員選擇銀行之後，該電子點數轉換裝置2〇於步驟312顯示該會員已 經登錄之銀行帳號，並顯示一空白欄位，供會員輸入尚未登錄之銀行帳號。 於步驟313接受會員選擇或輸入帳號後，於步驟3M自動連結所選擇之銀 仃ί而之電子料發行與f理裝置4G。該連結方式可以透過網際網路、電話 網路或專線’或者其他資訊通信網路。 於步驟3H該電子貨»行與管理裝置4〇之通訊介面4〇5與該電子點 數轉換震置2G減雙方狀特定通信賴進行必要之誠與驗，確認雙 方間的資料交換正確，並認證該電子點數轉換裝置2〇之身份，確認該電子 數轉換裝置2〇驗碰權，可錢行電子牌賴之线。在此步驟中， 該通信規約可以使_殊設狀協約，以確保資料錢正確。同時，雙方 之協商與資料錢雜，可贿用加密方式進行，糾保_交換安全。 不過，上述協商、資料交換與認證方式，僅屬較佳之例示，並非任何技術 上之限制。精於此藝之人士當然可以跟據本發明之說明，參考應用時的需 求’以不同的方式加以實現。 經過通信協商與認證後，於步驟316該電子點數轉換裝置2〇將該會員 13 201203145 护5 Ί之銀仃帳錢過該通訊介面4〇5傳送給該電子貨幣發行與管 、♦於步物該電憎發行鮮理裝置㈣瓣員名臟 L疋否與紀錄相符。如不相符合，則於步驟训發出「請求拒絕」之警訊 /電子點數轉換裝置2G，並中斷連彡卜步驟回㈣2。反之，如果檢查 結果符合，則於步驟319糾「接受請求」之錄給該電子錄轉換裝置 ^該電子點數轉換裝置2〇於步驟32〇將該客戶之點數餘額及種類資訊提 供給W嶋彳谢繼4G，細客戶電腦侧導連結至該 電子貨幣發行與管理裝置4〇。 〜於步驟321該電子議行與嫩置術咖會員(銀行客戶)輸入 也、碼或其他認證手段’並於步驟322接受該客戶從該客戶介面·輸入之 密碼或認證手段。於步驟切該電珊發行與管理裝置4〇將該客戶名 I帳號與密碼等，與客戶資料庫術所儲存之資料進行比對。如果比對 不符則於步驟324發出「比斜尤您^ 匕對不付」之警訊，請求該客戶重新輸入密碼、 認證手段，步驟回到321;或者中斷連結，結束作業。反之，如果比對符合’ 胃要轉換调⑽轉叙電子綱類。 客戶於步驟326從該客戶介面404輸入轉換點數與電子貨幣種類後，該電 子貨幣發行綱μ 4G雜客戶爾梅妓刪，例如客戶 所有的點數是否為可轉換之點數？該客戶所擁有的點數是否足夠轉換？以 及其他議訂或設定之交易規則。如果判斷結果不合，則於步驟327請求客 戶修正’步驟回到325。如果判斷結果符合，則於步驟職據預定之交易 規則’計算轉換結果之金額或銀行點數，並顯示於該客戶介面姻，等待客 戶確認。如客戶賴’驗购μ雜束你如客戶選擇接 201203145 叉’則於步驟33〇進行轉換，並於步驟别將轉換結果記錄在客戶資 搬，顯不於該客戶介面物，並經由該通信界面4G5通知 裝置2〇。於步細該電子軌恤峨4嶋叫，後^ 預定時間經過後，將該客戶電腦重新賴結賴子點數轉換^於 於步驟则電侧轉換裝置晴該電子貨幣發行與娜^ 斤傳蚊訊息，計算該會員之點數餘額，並於步驟333將 點數與點數餘額顯示在該人機介面2〇1。該電子點數轉換裝置2〇已=之 認後’於步驟说將該交易資訊紀錄在該會員資料庫收中。作業結^確 =結上述方法轉，本㈣之電子錄轉齡法包括下列主要步驟。 圖即絲本發龍子嶋換方法之主要步驟酬。如圖所干. :==轉換—會員請求電子_一^ 騎員之身分；於步驟5财倚該會員請求轉換點數之方式； 較騎_之_行之電發行鮮理裝置·於步 ;輸蝴_她奶酬；於步驟 * =電谓發嫌繼驗崎㈣分；歸㈣於 求之轉換符合交易規則且該會員身分驗證通過時，於步驟進 告該會員。則於步驟509拒絕會員之請求；及於步驟510將處理結果報 客戶·切种’請客戶與銀行之間_，乃是設計成由該會員/ 相電子貨幣發行與管理裝置4〇直接連結操作。此種設計可以提 :戶之保:與安全。但是在其他實例中，該電子點數轉換裝置20可代理 丁又易’亚將父易結果直接通知客戶。此種設計有其簡便之優點。 201203145 麵上述，，糊™恤⑽，购細行之電子貧 ^銀仃點數’剌用該電子靠或銀行點數進行線上消費或在實體商店 購貝所需之商品或服務。極為便利。此外，在本發明之其他實例中，會員 可以轉換點數的對象，並不限於銀行之電子貨輸點數。例如其他麵 所發订之電子點數，也可以透過相同或類似之機制，完成轉換。其硬體架 構與操作方式’與前述相同或類似。在此應用場合，上述說明與圖式中之 銀仃」’即為發行子絲之廠商。 在本發明之另_實例中，更可提供一種反向轉換機制，使已經將電子 點數轉換成電子貨幣之會員，透過相同之步驟，將該轉換所得之電子貨幣， 或者其在财銀行財之雜，職《子缝。喊本侧再-實例中， =電1貨讀換成電子點數之對象，並不限於原來用以轉換電子貨帶之點 之’不限於相同之公司行號所發行之電子點數。其作法可參考上 述將電你數轉換成電子貨幣之方式，在此不需賛述。 該結算管理裝置3G的魏是在魏子點數賴裝置20無電子貨敝 心繼上自咖卿亀算。該結算管職 〜Λ 使用一般的電子交易應用軟體’在已知之伺服器電腦令執 真管理裝置如並可透過該_服_連結該電 g理裝置40,以進行結算作業。 ％、 該雷ttr之—實例中，該結算管理裝置30是在每筆交易完成後，根據 轉置峨娜·軸+將發行與營 預” 丁、异。在本發明之另一實例中，該結算管理裝置30則是在 員疋時間’根料行鮮理裝置間 16 201203145 =電子_亍與管理:置4。進行結算。在進行結算時該結算管 :乃疋依舰知之結异方法’連結該電子貨幣發行與管理裝置40, 並根據預定之交易規則，互相 " ， 裝置如_結&_, 初之金額。科子㈣發行與管理 豕口异之m開立發票，以供請款之用 之案例中，該結算管野置3()_^^ 力轉帳系統 裝置30可在結鼻完成之後，即發出扣款指令，的 電子貨幣發行與管理裝置40自動在該銀行的預定帳戶中完成扣款妯料After the member selects the bank, the electronic point conversion device 2 displays in step 312 the bank account number that the member has logged in, and displays a blank field for the member to input the bank account that has not been logged in. After accepting the member selection or inputting the account in step 313, the selected electronic device is automatically connected to the electronic device 4G in step 3M. This connection can be made via the Internet, the telephone network or the private line or other information communication network. In step 3H, the electronic interface » line and management device 4〇 communication interface 4〇5 and the electronic point conversion is set to 2G minus the two-way specific communication to perform the necessary sincerity and verification, confirming that the data exchange between the two parties is correct, and The identity of the electronic point conversion device 2 is authenticated, and it is confirmed that the electronic number conversion device 2 checks the right to touch the electronic card. In this step, the communication protocol can make a _ special agreement to ensure that the data is correct. At the same time, the negotiation and information of both parties are mixed, and bribes can be used for encryption. However, the above-mentioned negotiation, data exchange and certification methods are only preferred examples and are not technically restrictive. Those skilled in the art can of course be implemented in different ways with reference to the requirements of the invention in accordance with the description of the invention. After the communication negotiation and authentication, in step 316, the electronic point conversion device 2 transmits the money of the member 13 201203145 5 to the electronic money issuance and management, and the step ♦ The device is issued with a fresh-keeping device (4). The name of the member is dirty. If it does not match, the "Request Reject" alert/electronic point conversion device 2G is issued in the step training, and the connection step (4) 2 is interrupted. On the other hand, if the check result is met, then in step 319, the "acceptance request" is recorded to the electronic record conversion device. The electronic point conversion device 2 provides the credit balance and type information of the customer to the step 32.嶋彳Xie Ji 4G, the fine client computer side guide link to the electronic money issuance and management device 4〇. </ RTI> In step 321, the electronic evangelization and the vacant coffee member (bank customer) enter the code, code or other authentication means' and in step 322 accept the password or authentication means entered by the customer from the client interface. In the step, the power distribution and management device 4 compares the customer name I account number and password with the data stored in the customer database. If the comparison does not match, then in step 324, a warning message "Thank you, 您 匕 不 不 , , , , , , , , , , , , , , , , , , , , 324 324 324 324 324 324 324 324 324 324 324 324 324 Conversely, if the comparison is consistent with the 'stomach to convert (10) reclassification of the electronic class. After the customer inputs the number of conversion points and the type of electronic money from the client interface 404 in step 326, the electronic money is issued, and is the number of points of the customer all of which are convertible points? Is the number of points owned by the customer sufficient to convert? And other negotiated or set trading rules. If the result of the determination is not met, then in step 327, the client is requested to correct the step back to 325. If the judgment result is met, the amount of the conversion result or the bank point is calculated in the transaction rule predetermined by the step account, and displayed in the customer interface, waiting for the customer to confirm. If the customer relies on 'purchase the μ bundle, if the customer chooses to receive the 201203145 fork', then the conversion is performed in step 33, and in the step, the conversion result is recorded in the customer's capital, which is not visible to the customer interface, and via the communication. The interface 4G5 notifies the device 2〇. In the step of the electronic track shirt 嶋 4 ,, after ^ after the scheduled time has passed, the client computer is re-converted to the number of points to convert ^ in the step of the electric side conversion device clear the electronic money issued and Na ^ kg The message calculates the credit balance of the member, and in step 333, displays the credits and points balance in the human machine interface 2〇1. The electronic point conversion device 2 has confirmed that the transaction information is recorded in the member database. The operation is confirmed to be the same as the above method. The electronic record ageing method of this (4) includes the following main steps. The picture shows the main steps of the method of changing the method. As shown in the figure. :==Conversion—Members requesting the electronic _一^ The identity of the rider; in the step 5, relying on the way the member requests to convert the points; the rider _ _ _ _ _ _ _ _ _ _ _ _ _ ; lose the butterfly _ her milk reward; in the step * = electricity is suspected to follow the Qiqi (four) points; return (four) in the conversion to meet the trading rules and the member's identity verification passed, in the step to inform the member. Then, in step 509, the request of the member is rejected; and in step 510, the processing result is reported to the client, and the customer is requested to be directly connected to the electronic money issuance and management device. . This kind of design can be mentioned: household protection: and security. However, in other examples, the electronic point-of-conversion device 20 can directly notify the customer of the results of the Ding. This design has its simple advantages. 201203145 In the above, the T-shirt (10), the purchase of the electronic e-learnings of the bank's use of the electronic or bank points for online consumption or purchase goods in physical stores. Very convenient. Further, in other examples of the present invention, the member can convert the number of points, and is not limited to the number of electronic goods in the bank. For example, the number of electronic points issued by other parties can also be converted by the same or similar mechanism. Its hardware structure and mode of operation are the same or similar to the foregoing. In this application, the above description and the silver enamel in the drawings are the manufacturers of the skeins. In another example of the present invention, a reverse conversion mechanism is further provided, so that the member who has converted the electronic points into electronic money can use the same steps to convert the electronic money obtained by the conversion, or it is in the financial bank. Miscellaneous, job "child seam. In the case of the present side, the object is replaced by the number of electronic points issued by the same company line number. For its practice, please refer to the above method of converting your electricity into electronic money. There is no need to mention it here. The Wei of the settlement management device 3G is in the Weizi point countdown device 20 without electronic goods. The settlement management job ~ Λ uses a general electronic transaction application software 'on a known server computer to enable the management device to connect to the electronic device 40 for settlement operations. %, the mine ttr - in the example, the settlement management device 30 is after the completion of each transaction, according to the transposition of the Dina axis + will be issued and camp pre-d, different. In another example of the present invention, The settlement management device 30 performs the settlement at the time of the staff's time, and the settlement is performed. When the settlement is performed, the settlement pipe: the settlement method of the ship 'Connecting the electronic money issuance and management device 40, and according to the predetermined transaction rules, mutual ", devices such as _ knot & _, the initial amount. Branch (four) issue and management 开 异 开 开 开In the case of the payment for payment, the settlement management field device 3 can issue the debit instruction after the completion of the knot, and the electronic money issuance and management device 40 automatically operates at the bank. Complete debit details in your booking account
孤^結输，蝴⑽顿_，崎㈣驗據本發 月之-兒明加以達成，其雜内容及不需賛述。 =本發明之電子貨幣轉換系統’發給點數的公司行號不必構買複 雜叩貝的車人硬體没備’也不需要在協力薇商端裂置相對應的設備，即可 使其公司發行的點數轉換成電子貨幣，供客戶。而在銀行端’只要气 置本發明之電傷發行與管理裝置，即可透過該通信介轉進行電子 貨幣之轉換，吸收存款。Lonely and knotted, butterfly (10) _, Saki (four) Accreditation This month's - the child is reached, its miscellaneous content and no need to praise. = The electronic money conversion system of the present invention 'the company line number issued to the point does not need to construct a complex mussel car, the hardware is not ready for use', and it is not necessary to cleave the corresponding equipment at the synergy Weishang side, so that The points issued by the company are converted into electronic money for customers. At the bank end, as long as the electrical injury issuance and management device of the present invention is placed, the exchange of electronic money can be carried out through the communication to absorb deposits.
而對於消費者而言，從廠商所購買或附贈的點數 作’轉換成電子將，足以提高麵數之價值。 ’可以透過簡單的操 本發明也提供-種將公司行號發給的點數轉換成電子貨幣的流程方 、實見正確t全的電子交易，使得公司行號發給的點數能夠成為名 符其實的電子牌。本發輯提出職方法，销前所未見，符合專 利新酿、物±6嫩。糾，本㈣賴轉換系統與方 雖…、已經透過t施例的說明，加以展示，但習於斯藝之人士均不難於 :買本專概明書及圖式後，繼修改與變化，完成實質細的設計。該 μ Ί'、欠化、要不脫離本發明之精神，均屬於本發明之專利範圍。 201203145 【圖式簡單說明】 第1圖表示本發明電子貨幣轉換系統之系統方塊圖。 第2圖表示本發明電子點數轉換裝置與電子貨幣發行與管 連結與m交換方法流程圖。 間之 第3圖表示本發明電子貨幣轉換方法之主要步驟流程圖。 【主要元件符號說明】 10 電子點數發行與管理裝置For consumers, the number of points purchased or offered by the manufacturer is converted into electronic, which is enough to increase the value of the number of faces. 'You can also provide the process of converting the number of points sent by the company's line number into electronic money through a simple operation of the invention, and seeing the correct electronic transaction, so that the number of points issued by the company's line number can become the name. In fact, the electronic card. This issue of the post method, the sales have not seen before, in line with the patent new brewing, things ± 6 tender. Correction, this (four) Lai conversion system and the party ... have been displayed through the description of the t-example, but those who are familiar with the art are not difficult to: after buying this special book and schema, following the revision and change, Complete the subtle design. The μ Ί ', owing, without departing from the spirit of the invention, is within the scope of the invention. 201203145 [Simplified description of the drawings] Fig. 1 is a block diagram showing the system of the electronic money conversion system of the present invention. Fig. 2 is a flow chart showing the method of electronic point conversion device and electronic money issuance and pipe connection and m exchange according to the present invention. Fig. 3 is a flow chart showing the main steps of the electronic money conversion method of the present invention. [Main component symbol description] 10 Electronic point distribution and management device
101會員管理伺服器 102會員資料庫 103 網路伺服器 會員關係模組 20 電子點數轉換裝置 201 人機介面 30 結算管理裝置 40 電子貨幣發行與管理裝置101 Member Management Server 102 Member Database 103 Web Server Membership System 20 Electronic Point Conversion Device 201 Human Machine Interface 30 Settlement Management Device 40 Electronic Money Issuance and Management Device
401客戶管理伺服器 402 客戶資料庫 403 網路伺服器 404 客戶介面 405 通訊介面 50 銀行 18401 Customer Management Server 402 Customer Database 403 Network Server 404 Client Interface 405 Communication Interface 50 Bank 18