4 $45 1 8霉 ^ Α7 —-------------- Β7 五、發明説明（1 ) 技術領域 本發明關於實施無現金交易之方法及系統以及用於該系 統之裝置。本發明具有特別的、但非獨一的應用至實施貨 品與/或服務付款，其藉由金融單位的電子轉送或由一信 用交易。 背景技藝 歐洲專利ΕΡ-Β-0 538 933揭露從一可插式卡片下載資訊 至分頁記憶體。此資訊可包括預付的信用單位，其藉由分 頁本身的使用法所花費，例如以每小時爲基準。 精明卡本身被使用於很多應用，包括對預先儲存信用單 位進行現金支付。精明卡具有電子接觸，其配對對應的接 觸於一卡片寫入/讀取裝置，且使用者選擇電子提款金額 的數目至一卡片中的非揮發性記憶體，假設使用者始终具 有信用。則卡片可被使用者使用來支付，】、型交易，藉由插 入精明卡至一卡片讀取機，以及運算器從精明卡的非揮發 性記憶體扣除現金需要量來達成此交易1時精明卡被證 明在很多領域具有償値且特別是在現金交易的给付上，其 =點是使用者始終必須攜帶它們至—通合的寫入/讀取裝 置，爲了讓金融單位信用賒帳或供金融單位扣除金額。 ，用卡給付需要使用者在銷售點呈現卡片或卡片號碼並 給予終止資料，例如透過電話。通常商行進行確認以獲得 牽涉交易的授權。 發明之揭 本發明的一目的是爲了促進金融交易的進 -4· 本紙狀度种關$；標準（CNS) M規狢（·Χ297公 4345 1 8 A7 B7 五、發明説明（ 請 先 閲 讀 背 面· % 項 再 填 I裝 1 根據本發明的第一項觀點，具有提供一種實施無現金交 易之方法，其中的給付透過—裝置媒介來實施，此裝置包 括一點對點無線收發機，其具有—非揮發性儲存器，包含 又易執行中所需的資料。 儲存於非揮發性儲存器中的資料可包括來自一給付交易 中進行扣除之預先儲存的金融單位，或來自信用卡交易進 行給付之信用卡細節。 訂 根據本發明的附屬項觀點，具有提供.一種實施無現金交 易之方法’包括提出可消費資料至銷售點之一具有點對點 無線收發機的裝置與一非揮發性儲存器，藉由可消費資料 的至少一單位中扣除來實施給付，其中可消費資料來自那 些儲存於非揮發性儲存器中，藉由一雙向無線交易或由一 信用交易、交易至遠端主要站的播送細節'以及非揮發性 儲存器中的交易儲存細節。 當儲存的可消費資料變爲耗盡時，裝置可傳送一要求至 王要站以再補充可消費資料於非揮發性儲存器，主要站回 應確認要求訊息爲眞實的，則傳送可消費資料成爲無線訊 號至提出要求的裝置，該裝置儲存可消費資料於非揮發性 儲存器。要求訊息可包括裝置使用者的個人識別碼。 若儲存於非揮發性儲存器中可消費資料需要的程度可被 監視，且當其到達或低於—預定的門限程度時，—再補充 訊號自動被產生= 根據本發明的第三項觀點，具有提供一種實施無現金交 易疋系統’包括—具有點對點無線收發機的装置，以及包4 $ 45 1 8 mildew ^ Α7 --------------- B7 V. Description of the Invention (1) Technical Field The present invention relates to a method and system for carrying out cashless transactions, and a device for the system. . The invention has a particular, but not exclusive, application to the implementation of payment for goods and / or services, either by electronic transfer of financial units or by a credit transaction. BACKGROUND ART European patent EP-B-0 538 933 discloses downloading information from a plug-in card to a paging memory. This information may include prepaid credit units, which are spent through the use of the page itself, such as on an hourly basis. Smart cards themselves are used in many applications, including cash payments to pre-stored credit units. Smart cards have electronic contacts, and their corresponding counterparts contact a card writing / reading device, and the user selects the amount of the electronic withdrawal amount to the non-volatile memory in the card, assuming that the user always has credit. The card can be used by the user to pay.], Type transactions, by inserting a smart card into a card reader, and the processor deducts the cash requirements from the non-volatile memory of the smart card to achieve this transaction. Cards have been proven to be reimbursable in many areas and especially in the payment of cash transactions. The point is that users must always bring them to a compliant write / read device. Financial unit deductions. Paying with a card requires the user to present the card or card number at the point of sale and give termination information, such as by phone. The firm usually confirms to obtain authorization for the transaction involved. DISCLOSURE OF THE INVENTION One purpose of the present invention is to promote the advancement of financial transactions.-This paper is related to standards; Standard (CNS) M Regulations (× 297 public 4345 1 8 A7 B7. V. Description of the invention (please read the back first) ·% Item refill 1 pack 1 According to the first aspect of the present invention, there is provided a method for implementing a cashless transaction, wherein the payment is implemented through a device medium, the device includes a point-to-point wireless transceiver which has- Volatile storage, which contains data that is easy to implement. Data stored in non-volatile storage can include pre-stored financial units that are deducted from a payment transaction, or credit card details that are paid from a credit card transaction According to the subsidiary view of the present invention, there is provided a method for implementing a cashless transaction, which includes presenting consumable data to a point of sale device having a point-to-point wireless transceiver and a non-volatile storage device. Deducted from at least one unit of the data, where consumable data comes from those stored in non-volatile storage, From a two-way wireless transaction or from a credit transaction, the transmission details of the transaction to the remote main station, and the transaction storage details in the non-volatile memory. When the stored consumable data becomes exhausted, the device can send a request Go to Wang Yao station to replenish the consumable data in the non-volatile storage. The main station responds to the confirmation request message is solid, then sends the consumable data as a wireless signal to the requesting device. The device stores the consumable data in the non-volatile storage. The required information may include the personal identification number of the user of the device. If the extent to which the consumable data is stored in the non-volatile storage is required to be monitored, and when it reaches or falls below a predetermined threshold level, — Replenishment signal is automatically generated = According to a third aspect of the present invention, it is provided to provide a system for carrying out a cashless transaction. 'Including-a device having a point-to-point wireless transceiver, and a packet
4 345 t 8 J A7 j------------B7 五、發明説^Γ7ϊ ·~— 含—交易執行所需要的資料之非揮發性儲存器。 根據本發明的第四項觀點’具有提供—種用來轉送可消 費資料至非揮發性έ己憶體之系統，包括一具有用來連接至 一可消費資料的來源之裝置，以及用來傳送當需要至少一 些可消費資料的裝置之主要站，至少一附屬站，其具有用 來接收主要站所傳送的訊號之接收裝置，—具有對可消費 資料的儲存區域之非揮發性儲存器，用來轉送由接收裝置 所接收的可消費資料至非揮發性儲存器的裝置，以及用來 變更儲存於非揮發性記憶體的可消費資料之程度的裝置。 根據本發明的第五項觀點，具有提供—種用來使用於實 施無現金交易之裝置，此裝置包括點對點無線收發機裝 置，以及包含一交易執行所需要的資料之非揮發性错存 器。 經济部中央標隼局只X消*;合作.=?1印1Ϊ ----.-----^-----ίΐτ (請先閲讀背*.之注意.事項再填寫本頁) 根據本發明的第六項觀點’具有提供一用來使用於轉送 可消費資料於非揮發性記憶體的系統之附屬站，此系統包 括—具有連接至資料來源的裝置及當需要傳送資料的裝置 之主要站，以及至少一附屬站，此附屬裝置具有接收主要 站所傳送的訊號之接收裝置，具有對可消費資料的儲存區 域之非揮發性儲存器，用來轉送由接收裝置所接收的可消 費資料至非揮發性儲存器的裝置，以及用來變更儲存於非 揮發性記憶體的可消費資料之程度的裝置。 本發明的其他觀點與次要的特徵揭露於附錄的申請專利 範固。 在一特別的裝置實現中，包括一具有用來儲存可消費資 -6 - 本紙伕尺度適用中國國家標準（CNS ) Α4規格（2!〇Χ297公釐）4 345 t 8 J A7 j ------------ B7 V. Invention ^ Γ7ϊ · ~ — Contains-non-volatile storage of data required for transaction execution. According to a fourth aspect of the present invention, "provide a system for transferring consumable data to non-volatile memory, including a device having a source for connecting to a source of consumable data, and for transmitting When the main station of the device that requires at least some consumable data, at least one subsidiary station, has a receiving device for receiving the signal transmitted by the main station, a non-volatile storage device having a storage area for consumable data, and A device for forwarding consumable data received by the receiving device to non-volatile storage, and a device for changing the extent of the consumable data stored in non-volatile memory. According to a fifth aspect of the present invention, there is provided a device for implementing a cashless transaction, the device including a point-to-point wireless transceiver device, and a non-volatile misregister containing data required for transaction execution. The Central Bureau of Standards of the Ministry of Economic Affairs only cancels X; cooperation. =? 1 印 1Ϊ ----.----- ^ ----- ίΐτ (Please read the note on the back *. Please fill in this page before filling in this page. ) According to the sixth aspect of the present invention, 'there is an accessory station for providing a system for transferring consumable data to non-volatile memory, this system includes-having a device connected to the data source and transmitting data when needed. The main station of the device, and at least one auxiliary station. The auxiliary device has a receiving device for receiving signals transmitted by the main station, and a non-volatile memory for a storage area of consumable data for transferring the data received by the receiving device. Devices that can consume data to non-volatile storage, and devices that change the extent of consumable data stored in non-volatile memory. Other viewpoints and minor features of the present invention are disclosed in the appended patent application. In a special device implementation, it includes a device for storing consumables. -6-The paper size is in accordance with China National Standard (CNS) A4 (2! 〇 × 297 mm).
，434B1 8 J aj' ——-_ 五、發明説明（4) 2例如金融單位和，或信用卡細節的非揮發性記憶體之 π頁器刀頁益的大小本質上與現今製造的塑膠精明 目同’但遠&其薄且約等於六個標準的塑膠卡。在一變 更的裝置實現中，可以大小相當於_遠端無線控制電子車 門鑰匙。雙向分頁精明卡-詞較標準精明卡的—顯著優點 是可消費資料，其此刻包括金融單位可被確認信用於非揮 發性記憶體’#由傳送-來自主要站的合適無線訊息。來 自非揮發性記憶體的金融單位之選擇性地扣除也可在空中 執行。金融單位的傳送可由使用者㈣，接著檢查在非揮 發性儲存中的信用餘額，或可能藉由被監視的金融單位程 度自動實施，JL當程度已到達或已低於預定之門限値時， 則裝置自動發送-要求訊息至主要站，主要站送—裝滿訊 息回應裝置。爲了來自分頁的上行訊息之安全，包含—附 屬於使用者的個人識別碼（PIN)，其中pin可與分頁之唯一 位址-同提供需要安全的程度以確保只有意圖的裝置信用 賒帳於傳送的金融單位。 绍浐部中戎標準局只工消贤合作社印袈 裝·---^——-1訂： f請先閲讀背¾之注意Ϋ·項再填寫本頁) 當使用裝置爲信用卡時，裝置呈現於銷售點，這裡輸入 所k出的销售與X易的細節。這些細節與信用卡的細節， 例如信用卡號碼與終止日期及使用者PIN，一同傳送至主 要站’主要站再轉播至信用卡中心。在中心，進行—檢杳 借貸的數量不超過使用者的信用限制，若非，則信用中心 藉由主要站送出一空中交易的授權至裝置。銷售點的商人 立即被通知該交易爲有效的並完成銷售。相反地，若所提 出的交易是未授權的，例如因爲使用者的信用限制超過或 本紙張尺度適坷中國國家標萃（CNS ) A4規格（210X297公釐) 4 345 t 8i A7 ______ B7 經"部中央標卑局打工消費合作社印f 五、發明説明（5 ) 卡片已經被發饰遺失或失竊而無效，則商人立即被通知， 結果不能完成此銷售交易。 此裝置可藉由一人機介面使用來呼叫與顯示一顯示板上 的金融資訊=此資料可包括許多最近交易的列表或使用者 在銀行或信用卡中心的結帳報告。 圖式簡單説明 本發明將藉由舉例的方式 '參考伴隨的圖式來説明，其 中： 圖1係爲根據本發明製作之系統的一具體實族例之方塊 圖，以及 圖2係爲使用裝置之圖式。 實現本發明之模式 圖1所示之系統包括至少一主要站1 〇，其佔有固定位 址，以及眾多可運送的裝置或附屬站12，其中之一顯示 出麵節。主要站1〇包括一輸入介面14，其藉由陸線16連 接至一外部資料站18，外部資料站可包括一銀行與/或信 用卡中心。至輸入介面14的輸入資訊是作了編碼的，選 擇性地加密，並在控制器22的控制下格式化於站台20。 資料可根據一種熟知型態的分頁訊號協定來格式化，例如 CCIR無線分頁碼N0.1 (替換已知的POCSAG)。根據 POCSA(3協定，附屬站的位址至欲傳送的編碼訊息附加於 訊息的前面，所有搡作於系統上之分頁器的位址儲存於一 位址儲存器24。编碼與格式化的訊息被供應至一傳送端 26 ’藉由一天線28所傳播與一插入雙工器30成爲點對點 _______-8- 本纸裱尺反適用中國國家標準（CNS ) A4規格（210X297公釐） --il· n ..- n n t------- 11 丁 、-D (請先閲讀背¾.之注意Ϋ-項再填*Γ本頁；一434B1 8 J aj '——-_ V. Description of the invention (4) 2 For example, the size of the non-volatile memory of the π pager and the pager of a non-volatile memory such as a financial unit and a credit card are essentially the same as those of today ’s plastics. Same as' but far & its thin and approximately equal to six standard plastic cards. In a modified device implementation, the size can be equivalent to the remote wireless control electronic door key. Two-way pagination smart card-word over standard smart card-a significant advantage is consumable data, which now includes financial units that can be confirmed for non-volatile memory '# by transmission-suitable wireless messages from the main station. Selective deduction of financial units from non-volatile memory can also be performed over the air. The transmission of the financial unit can be performed by the user, and then check the credit balance in non-volatile storage, or may be automatically implemented by the degree of the financial unit being monitored. When the level has reached or fallen below a predetermined threshold, then Device sends automatically-request message to main station, main station sends-full message response device. For the security of the uplink message from the tab, it contains-a personal identification number (PIN) attached to the user, where the pin can be the same as the unique address of the tab-providing the degree of security needed to ensure that only the intended device is credited with Transmission of financial units. The Zhongrong Standards Bureau of the Ministry of Education only prints and prints on the Xiaoxian Cooperative Cooperatives. --- ^ ——- 1 Order: f Please read the notes on the back ¾ and then fill out this page) When the device is a credit card, the device Presented at the point of sale, here enter the details of the sales and X-ease. These details and the details of the credit card, such as the credit card number, the expiration date, and the user's PIN, are transmitted to the main station 'and then rebroadcasted to the credit card center. At the center, carry out-check that the amount of loans does not exceed the user's credit limit. If not, the credit center sends an air transaction authorization to the device through the main station. The merchant at the point of sale is immediately notified that the transaction is valid and completes the sale. Conversely, if the proposed transaction is unauthorized, for example because the user's credit limit is exceeded or the paper size is appropriate for China National Standards (CNS) A4 specifications (210X297 mm) 4 345 t 8i A7 ______ B7 Economic & quot Printed by the Ministry of Standards and Labor Bureau, Part-time Consumer Cooperative F. 5. Description of the Invention (5) The card has been lost or stolen and becomes invalid, the merchant is immediately notified, and the sales transaction cannot be completed as a result. This device can be used by a human-machine interface to call and display financial information on a display panel = this data can include a list of many recent transactions or a user's checkout report at a bank or credit card center. Brief description of the drawings The invention will be explained by way of example with reference to accompanying drawings, in which: Figure 1 is a block diagram of a specific example of a system made according to the invention, and Figure 2 is a device The schema. Mode for Implementing the Invention The system shown in FIG. 1 includes at least one main station 10, which occupies a fixed address, and a plurality of transportable devices or auxiliary stations 12, one of which shows a facet. The main station 10 includes an input interface 14 which is connected to an external data station 18 via a land line 16. The external data station may include a bank and / or credit card center. The input information to the input interface 14 is encoded, selectively encrypted, and formatted on the station 20 under the control of the controller 22. The data can be formatted according to a well-known type of paging signal protocol, such as CCIR wireless paging number N0.1 (replacing the known POCSAG). According to the POCSA (3 agreement, the address of the subsidiary station to the coded message to be transmitted is appended to the front of the message, and all the addresses of the pager operating on the system are stored in the bit memory 24. The encoding and formatting The message is supplied to a transmitting end 26 '. It is transmitted through an antenna 28 and a duplexer 30 becomes a point-to-point. _______- 8- The paper mounting rule is anti-Chinese National Standard (CNS) A4 (210X297 mm)- -il · n ..- nn t ------- 11 Ding, -D (Please read the note 背. 项 -item and fill in * Γ page; one
43415 t 8 J A7 ------- ---- B7 五'發明説明（） 下行訊號。 ----------^------.玎 (請先閲讀背面之注意事項再填疼衣頁) 任何上行無線訊號至主要站10由天線28所檢波並藉由 雙工器30遞送至一接收器。接收訊號被解調並解碼於解 碼器34。那些被送至資料站18的訊息被供應至一輸出介 面’輸出介面同樣連接至陸線丨6。 附屬站12包括一天線38連接至一接收站台40。一接收 站台的輸出被連接至一解碼器42，其解碼，且若有需 要’解治所接收的訊號並傳遞其輸出至—微控制器44。 微控制器44根據儲存於一唯讀記憶體46的程式來操作。 微&制器44具有輸出連接至—LCD板50的顯示驅動器 48，至一由揚聲器52所表現的發佈裝置，至一隨機取存 圮憶體54用來儲存訊息，以及至—非揮發性儲存器％， 其儲存藉由傳送端26與/或信用卡號碼、轉播自資料站18 的可消費資料。一人機介面包括—連接至微控制器44的 鍵入台58。一 IRDA感應器與一组供卡片讀取裝置介入的 電接觸點60連接至微控制器44。微控制器44連接至一具 有輸出連接於天線38的傳送器62。 附屬站的—操作模式動作如—正常分頁器供字母—數値 訊.《。因爲此模式已熟知於該技藝中，故將不對它作詳細 的描述，但爲了完整起見，資料參考自"B〇〇k 〇f the caR Radio-Paging Code No.l" issued by the Secretary, Radio Paging Code Standards Group, British Telecom, London. 附屬站的第二模式動作如一精明卡，且可儲存各種資訊 於非揮發性儲存器56供隨後使用。附屬站可操作如一 . - j， 本紙張尺度適用中囤囷家標丰（CNS ) Λ4現格（210X297公釐） A7 B7 五、發明説明（7) 子現金卡’其中金融單位已藉由來自主要站的無線傳 輸而載入非揮發性儲存器56。在一種安排，一使用者藉 由合適的觸動鍵入台58，可以顯示出他或她欲載入非揮 發性儲存器56供相繼使用的現金數量於LCD板50。這可 以藉由顯示幾個提出的數量來實施，其中之—由使用者使 用一游標來選擇。有了選擇的數量，微控制器44格式化 一要求訊息並加入使用者的PIN碼。要求訊息藉由傳送器 62被傳送成點對點訊號至主要站10上的接收器32 ^訊號 可被傳送爲擬隨機位元序列。訊息被编碼且PIN號碼對伴 隨儲存於位址儲存器24中的位址之PIN號碼作檢查。若要 求訊息經確認爲眞實訊息，則一要求由控制器22藉由輸 出介面36發送至資料站18。資料站18檢查使用者的銀行 帳户是具有信用的，且假設是如此，則數量的授權被送至 輸入介面14。控制器22獲得訊息，其中指示金融單位對 使用者信用之數量與PIN號碼以及附加使用者的位址。解 碼器20解碼並格式化訊息資料，其中訊息資料遞送至傳 送器26來傳送成POCSAG訊息中適當碼框的點對點訊號至 附屬站3 附屬站12根據分頁系統中電池節約協定而啓動，並在 接收器40接收一傳輸，在解碼器42作解碼，並遞送至微 控制器44來檢查訊息爲定址於此特殊的附屬站，且額外 的安全檢查PIN號碼比較於分派至分頁使用者的PIN號 碼。若兩者檢查都滿足7則金融單位被轉送至非揮發性儲 存器56。 —______— _-10 " ___________ _ 本'氏張尺度迷用中因圉家樣年（CNS ) A4規格（210X297公釐） (請先閲讀背面之注意事項再填{?5冬頁) 裴43415 t 8 J A7 ------- ---- B7 Five 'invention description () Downward signal. ---------- ^ ------. 玎 (Please read the precautions on the back before filling the pain page) Any uplink wireless signal to the main station 10 is detected by the antenna 28 and double The worker 30 delivers to a receiver. The received signal is demodulated and decoded in a decoder 34. Those messages sent to the data station 18 are supplied to an output interface. The output interface is also connected to the land line 6. The satellite station 12 includes an antenna 38 connected to a receiving station 40. The output of a receiving station is connected to a decoder 42, which decodes it and, if necessary, resolves the received signal and passes its output to the microcontroller 44. The microcontroller 44 operates according to a program stored in a read-only memory 46. The micro-controller 44 has a display driver 48 whose output is connected to the LCD panel 50, to a publishing device represented by a speaker 52, to a random access memory 54 to store information, and to non-volatile Storage%, which stores consumable data transmitted from the data station 18 via the transmitting end 26 and / or credit card number. A human-machine interface includes a keyboard 58 connected to the microcontroller 44. An IRDA sensor is connected to the microcontroller 44 with a set of electrical contacts 60 for the card reader to intervene. The microcontroller 44 is connected to a transmitter 62 having an output connected to an antenna 38. The operation mode of the subsidiary station is as follows: normal pager for letter-numerical information. Because this mode is already well known in the art, it will not be described in detail, but for completeness, the information is referenced from " B〇〇k 〇f the caR Radio-Paging Code No.l " issued by the Secretary , Radio Paging Code Standards Group, British Telecom, London. The second mode of operation of the satellite station is like a smart card, and it can store various information in non-volatile memory 56 for subsequent use. The affiliate station can be operated as one.-J. The paper size is applicable to the Chinese standard label (CNS). Λ4 is the standard (210X297 mm). A7 B7 V. Description of the invention (7) The sub-cash card 'where the financial unit has passed The wireless transmission from the main station is loaded into the non-volatile memory 56. In one arrangement, a user can display on the LCD panel 50 the amount of cash he or she wants to load into the non-volatile storage 56 for subsequent use by suitably touching the keypad 58. This can be implemented by displaying several proposed quantities, of which-selected by the user using a cursor. With the selected number, the microcontroller 44 formats a request message and adds the user's PIN. The request message is transmitted as a point-to-point signal by the transmitter 62 to the receiver 32 on the main station 10. The signal can be transmitted as a pseudo-random bit sequence. The message is encoded and the PIN number is checked against the PIN number accompanying the address stored in the address memory 24. If the message is confirmed as a solid message, a request is sent from the controller 22 to the data station 18 through the output interface 36. The data station 18 checks that the user's bank account is creditworthy, and if so, a quantity authorization is sent to the input interface 14. The controller 22 obtains a message indicating the number and PIN number of the financial unit's credit to the user and the address of the additional user. The decoder 20 decodes and formats the message data, wherein the message data is delivered to the transmitter 26 to be transmitted as a point-to-point signal in the appropriate code frame in the POCSAG message to the subsidiary station 3. The subsidiary station 12 is activated according to the battery saving agreement in the paging system, and is received at The decoder 40 receives a transmission, decodes it at the decoder 42, and delivers it to the microcontroller 44 to check that the message is addressed to this particular satellite station, and the additional security check PIN number is compared to the PIN number assigned to the paging user. If both checks meet 7, the financial unit is transferred to the non-volatile memory 56. —______— _-10 " ___________ _ Ben's scale scale fan-in-house sample year (CNS) A4 specification (210X297 mm) (Please read the precautions on the back before filling {? 5 winter page)
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^134)5 t 8-A A7 —-------------B7 五、發明説明（8 ) ~ " -- 附屬站12可&8_後被使用爲—精明卡，丑保持於非揮發 I性儲存器56中的金融單位可藉由空中的無線電或透過一 合適的IRDA或精明卡讀取站來執行扣除，以及藉由同時 電子信用確認金融單位至貨品或服務供應方來實施給付並 減少保持於非揮發性儲存器50中的數目^ -"部中央標卑局m工消费合竹. ii -- ----- ϋ I - __I —__丁 (諳先閱讀背面'之注意r項再填荇本頁) 當金融單位的數目爲低或已用完，則使用者可要求更多 金融單位被信用賒帳於其附屬站，假設他在資料站18具 有#用。由於此操作可能造成惹惱使用者的時間延遲，所 以可能要將附屬站放入-自動現金負載模式。在此模式， 微控制器44監視儲存器56中金融單位的數目，並比較預 定門限値的數目。當單位的數目已下降至一値等於或少於 門限程度，微控制器44组織一要求訊息藉由傳送器62傳 送至主要站10。如先前，訊息被編碼並確認且假設要求 被發現爲眞實的，則資料站被請求釋放—預定之金融單位 須被k用於特別的附屬站。藉由使用鍵入台，要求一目前 扣除餘額的使用者可被告知保存於儲存器％中的金融單 位數目，且可獲得至少更最近的交易，顯示於板5〇上3 使用者也可藉由主要站要求資料站18能給予存取至使用 者銀行悵户的目前報告。此種訊息將需要PIN碼的使用3 在使用者帳户被過度提領且無更多信用賒帳可給予的情 況下，資料站18可初始一訊息的產生’該訊息藉由主要 站引發分頁精明卡爲無效來轉播，並得到附屬站中的微控 制器44以產生和傳送一訊息，確保分頁精明卡已爲無 效3 ___- 11 - _ 本紙張尺度適用中國國家標辛-(CNS ) A4規格（2丨0X297公t ) 43^518 ' ~ 五、發明説明（9 A7 B7 經浐部中央標ί?·局^;工消贽合作社印 为頁精明卡可藉由攜至銀行或由透過空中訊息的傳輪而 再生效。 附屬站遺失或遭竊的情況，可以藉由主要站10送出— 透過空中的訊息回應告示遺失或遭竊而截止。 δ使用附屬站12爲一信用卡時，附屬站被呈現於銷隹 點’其中提出的銷售或交易細節被輸入。這些細節與信用 卡的細節’例如信用卡號碼與終止日期及使用者PIN，错 存於非揮發性儲存器56，一同傳送至主要站1〇，主要站 再轉播至功能如信用卡中心的資料站18。資料站18，進 行一檢查借貸的數量不超過使用者的信用限制，若非，則 資料站18藉由主要站12送出一空中交易的授權至裝置。 销售點的商人立即被通知該交易爲有效的並完成銷售。相 反地若所提出的交易是未授權的，例如因爲使用者的信用 限制超過或卡片已經被發佈遺失或遭竊而無效，則商人立 即被通知，結果不能完成此銷售交易。 附屬站12也可以儲存所有購買的細節與目前持有信用 的限制。此項資訊可被顯示於使用者方便在LCD板50 上。 圖2説明在一銷售點的ird A讀取機64中的附屬站12。 一遠端主要站1 〇藉由點對點訊息與附屬站通訊。資料站 1 8顯示連接至主要站1〇。 假設附屬站12也功能如一忠誠卡於超級市場66，超級 卞場計算機68連接至IRDA讀取機64及主要站1〇。一連 接70至IRD A讀取機64起動電腦來監視顧客的購買，授予 12- 本紙掁尺度適用中國國家標準（CNS ) A4規格（2〗0X 297公釐） f請先閱讀背氙之注*.事項再填艿本頁) ------裝 ------ -訂·^ 134) 5 t 8-A A7 —------------- B7 V. Description of the invention (8) ~ "-Affiliate station 12 can be used as-savvy Card, financial units held in non-volatile I-storage 56 can be deducted by air radio or through a suitable IRDA or smart card reading station, and by simultaneously confirming the financial unit to the goods or electronic credit The service provider implements the payment and reduces the number kept in the non-volatile storage 50 ^-" The Ministry of Standards and Standards Bureau, m-consumer Hezhu. Ii------ ϋ I-__I —__ 丁(Please read the "Note on r" on the back side before filling in this page) When the number of financial units is low or has been used up, the user can request more financial units to be credited to their affiliates, assuming he is in the information Station 18 has # 用. Since this operation may cause annoying time delays for users, it may be necessary to put the affiliate station in the automatic cash load mode. In this mode, the microcontroller 44 monitors the number of financial units in the memory 56 and compares the number of predetermined thresholds. When the number of units has dropped to a level equal to or less than the threshold, the microcontroller 44 organizes a request message to be transmitted to the main station 10 through the transmitter 62. As before, the message was encoded and confirmed, and assuming that the request was found to be substantiated, the data station was requested to be released—the intended financial unit must be used by k for a special affiliate station. By using the keypad, a user who requires a current deduction balance can be informed of the number of financial units held in the memory%, and can obtain at least more recent transactions, displayed on the board 50. 3 Users can also use The main station requires the data station 18 to give access to the current report of the user's bank account. This type of message will require the use of a PIN code. 3 In the case where the user account is overdrawn and no more credit is available, the data station 18 may initiate the generation of a message 'The message was initiated by the main station. The smart card is invalid to rebroadcast, and the microcontroller 44 in the affiliate station is obtained to generate and send a message to ensure that the paging smart card is invalid 3 ___- 11-_ This paper standard applies to the Chinese national standard Xin- (CNS) A4 Specification (2 丨 0X297 public t) 43 ^ 518 '~ V. Description of the invention (9 A7 B7 Ministry of Economic Affairs Central Label ?? Bureau ^; Industry Consumer Cooperatives printed as a page smart card can be carried to a bank or by The transmission of the air message becomes effective again. In the case of the loss or theft of the subsidiary station, it can be sent by the main station 10-the response to the notification of the loss or theft through the message in the air ends. The station is presented at the sales point 'where the proposed sales or transaction details are entered. These details and credit card details' such as credit card numbers and expiration dates and user PINs are misstored in the non-volatile memory 56 and transmitted to the main Station 1 The main station rebroadcasts to the data station 18 which functions as a credit card center. The data station 18 performs a check that the amount of loans does not exceed the user's credit limit. If not, the data station 18 sends an authorization for an air transaction through the main station 12. To the device. The merchant at the point of sale is immediately notified that the transaction is valid and completes the sale. Conversely, if the proposed transaction is unauthorized, for example because the user's credit limit has been exceeded or the card has been lost or stolen, it becomes invalid , The merchant is immediately notified, as a result, the sales transaction cannot be completed. The affiliate station 12 can also store all the purchase details and the current credit limit. This information can be displayed on the LCD panel 50 for the convenience of users. Describe the affiliate station 12 in the ird A reader 64 at a point of sale. A remote main station 10 communicates with the affiliate station through point-to-point messages. Data station 18 shows the connection to the main station 10. Suppose the affiliate station 12 It also functions as a loyalty card in the supermarket 66, the super market computer 68 is connected to the IRDA reader 64 and the main station 10. A connection 70 to the IRD A reader 64 starts the power To monitor customer purchases and award 12- this paper is compliant with Chinese National Standards (CNS) A4 specifications (2〗 0X 297 mm) f Please read the note of back-xenon first *. Please fill out this page) ---- --Installation ------ -Order ·
A 3 4 β第87113122號專利申請案 八7 中文說明書修正頁（89年5月） Β7 夕P膝IF Κ ρ! n ./上一 五、發明説明（1Q) f委 'ιΤ % 變系 ^\τ· % β· I 否 准 予 忠誠點數並每逢適當時候給予折扣。超級市場可藉由主要 與附屬站間的無線連接而告知所有或被選擇的顧客，特殊 的供應、新產品、新或變更的服務等等，而顧客藉由上行 可預約或買貨、在排定的時間進行给付或日後由信用卡扣 除收集或金融翠位扣除。 C 更進一步，在使用者進行一以電話或電子消費例如旅行 或聚場門票’給付可透過空中實施而不須要到鎖售點，交 易的證據被儲存於非揮發性儲存器中。 從閱讀本提出的揭露中，其他修改將明白於熟知此項技 藝的人士。此種修改可牵涉其他特徵，此特徵已知於設 計、製造和使用資料傳輸裝置與元件部分，並且可使用來 代替或附加已描述於此的特徵。 產業利用 以無現金方式實施現金交易之方法及系統。 元件符號說明 5 修]5 jE.是 a 經濟部中央標準局員工消費合作.杜印策 10 主要站 26 傳送端 12 可運送裝置或附屬站 28 天線 14 輸入介面 30 插入雙工器 16 陸線 32 接收器 18 資料站 34 解碼器 20 格式化站台 36 輸出介面 22 控制器 38 天線 24 位址儲存器 40 接收站台 13- 本紙乐尺度適用中國國家標準（CNS ) A4規格（210X297公赛） -------------1T (請先閱讀背面之注f項再填寫本頁) 線 第8^113122號專利申請案 中文說明書修正頁（89年5月） A7A 3 4 β Patent Application No. 87113122 Eighty-seven Chinese Manual Correction Page (May 89) Β7 Even P knee IF κ ρ! N ./Previous one, Invention Description (1Q) f Committee 'ιΤ% variants ^ \ τ ·% β · I No loyalty points are granted and discounts are given whenever appropriate. Supermarkets can inform all or selected customers of special supply, new products, new or changed services, etc. by wireless connection between the main and affiliated stations. Pay at a fixed time or debit collection by credit card or financial debit in the future. C. Further, when the user makes a telephone or electronic consumption such as travel or gathering tickets' payment can be implemented through the air without having to go to the lock-up point, the evidence of the transaction is stored in a non-volatile storage. From reading the disclosure provided here, other modifications will be apparent to those skilled in the art. Such modifications may involve other features that are known in the design, manufacture, and use of data transmission devices and components, and may be used in place of or in addition to features already described herein. Industrial Utilization Methods and systems for implementing cash transactions in a cashless manner. Component symbol description 5 repair] 5 jE. Is a consumer cooperation of the Central Bureau of Standards of the Ministry of Economic Affairs. Du Yinze 10 main station 26 transmitting end 12 transportable device or auxiliary station 28 antenna 14 input interface 30 inserting duplexer 16 land line 32 Receiver 18 Data station 34 Decoder 20 Format station 36 Output interface 22 Controller 38 Antenna 24 Address memory 40 Receiving station 13- This paper music standard is applicable to the Chinese National Standard (CNS) A4 specification (210X297 competition) --- ---------- 1T (Please read the note f on the back before filling out this page) Line No. 8 ^ 113122 Patent Application Chinese Correction Sheet (May 89) A7
42 解碼器 58 鍵入台 44 微控制器 60 IRDA感應器 46 唯讀記憶體 62 傳送器 48 顯示驅動器 64 IRDA讀取機 50 LCD板 66 超級市場 52 揚聲器 68 超級市場計算機 54 隨機存取記憶體 70 連接 56 非揮發性儲存器 本紙張尺度適用中國國家標準{ CNS >A4規格（210X297公釐） :〜濟部中央樣準局員工消費合作社印裝 3a42 decoder 58 keypad 44 microcontroller 60 IRDA sensor 46 read-only memory 62 transmitter 48 display driver 64 IRDA reader 50 LCD panel 66 supermarket 52 speaker 68 supermarket computer 54 random access memory 70 connection 56 Non-volatile storage This paper is in accordance with Chinese national standard {CNS > A4 specification (210X297 mm): ~ Printed by the Consumers' Cooperative of the Central Bureau of Procurement, Ministry of Economic Affairs