1352537 九、發明說明： 【發明所屬之技術領域】 本發明係一種在移動通訊裝置上實現儲值卡的驗證及 儲值的方法及其裝置’尤指一種方法及其裝置，能令使用 者藉由一移動通訊裝置，於任一時間或地點，對儲值卡進 行驗證及儲值者。 【先前技術】 按，傳統的零售業者並沒有一個好的工具，可以統計商 品的庫存，特別是，許多商店的商品動輒上千上萬種，無 論在訂貨與庫存管理上，都難以掌握，商家為了瞭解自身 的庫存狀況，必須浪費大量人力去盤點商品的數量，一些 大型的零售業者為了管理上的方便，往往要設計許多複雜 的表格’導賴本上升’經營無效率。齡，隨著科技不 斷地進步m統應用的層面亦迅速拓展，人們開始將 電腦系統導人零售業，進而有端點_ (PGint Qf sale， 簡稱p〇s)機的誕生，所謂端點銷f機係指能在交易時， 二充。十及顯不交易資訊者，該交易資訊包括收人款項、支出 2、貨品庫存數量、商品價目、特價資訊...等，且該商 =乂易資訊透過傳輸至—後台管理系統整合後，將使得商 2門市經營者此更迅速、正讀地掌握最新交易狀況，執 仃最合適的仃銷管理，因此，各類型連鎖販賣的商場、門 市甚至於車站，皆開始普遍設置有端點銷售機。再者，端 點銷售機還可關_值卡，快速地進行結帳，不僅減少 肖費者在’肖費時，等待結帳的咖，亦解決;肖費時，消費 7 1352537 者與業者間常需要互相找錢所導致的不便利β 惟，此種利用儲值卡配合端點銷售機的消費方式，對消 費者而言，尚有下列諸多缺點： 卜利用儲值卡消費，無法隨時確認内存金額是否足夠，若 在欲結帳時，發現儲值卡内存之金額不足，將造成使用 者的不便及尷尬場面，據上所述，茲舉一例說明，當儲 值卡使用者排隊搭乘預定時刻的火車，而在利用儲值卡 進行扣款時，突然發現餘額不足，此時，儲值卡使用者 只能默默且尷尬地離開排隊的行列，重新到可利用現金 的窗口再次排隊，不僅耽誤許多不必要的時間，亦將造 成使用者心理的不愉快，或儲值卡使用者需立即對該儲 值卡重新進行繁瑣的驗證及儲值程序，如此，將令其他 排隊等待的消費者產生抱怨及不耐煩，同時，也降低了 該端點銷售機的交易效率。 2、 由於，儲值時，仍舊須使用現金，因此，消費者必須隨 身攜帶足夠的現金或零錢，以因應消費前可能的儲值動 作，不僅將造成攜帶現金或零錢的不便，也易引起小偷 的覬覦。 3、 雖然，消費者可選擇一次在儲值卡中，儲值大量金額， 以防止上述情況的發生，惟，只要丟失儲值卡，就會導 致大量金額損失的風險，特別是，為了令使用者攜帶方 便，各種儲值卡普遍設計成輕薄短小，容易損壞或丟 失，故，在其内儲值大量金額，將會令使用者心理產生 極大的負擔。 8 1352537 因此’如何設㈣―射隨時確觸值相存金額是 否足夠觸_松，叫料狀衫魅 銷售_交易難更有鱗，且令_者在賴上更^ 利安〜，即成為目前相關業者致力研究並亟欲解決之— 重要課題。 【發明内容】1352537 IX. Description of the Invention: [Technical Field] The present invention is a method and apparatus for realizing verification and stored value of a stored value card on a mobile communication device, and in particular, a method and a device thereof, which enable a user to borrow The stored value card is verified and stored at any time or place by a mobile communication device. [Prior Art] According to the traditional retailers, there is no good tool to count the inventory of goods. In particular, many stores have thousands of products, which are difficult to master in ordering and inventory management. In order to understand their own inventory, it is necessary to waste a lot of manpower to count the quantity of goods. For the convenience of management, some large retailers often have to design many complicated forms to “learn upwards” to operate inefficiency. Age, with the continuous advancement of technology, the level of application has also rapidly expanded. People began to introduce the computer system to the retail industry, and then the end of the PG (PGint Qf sale, referred to as p〇s) machine, the so-called end point pin f machine refers to the ability to be in the transaction, two charge. For those who do not trade information, the transaction information includes income, expenses, goods inventory, commodity price, special price, etc., and the business is transmitted to the back-end management system. This will enable the operators of the 2 stores to grasp the latest trading situation more quickly and read the most appropriate credit management. Therefore, all types of chain stores, stores and even stations have begun to have end point sales. machine. In addition, the endpoint sales machine can also close the _ value card, and quickly checkout, not only reduce the Xiao Fei who waits for the checkout at the time of Xiao Fei, but also solves it; Xiao Fei Shi, the consumption of 7 1352537 is often between the industry and the industry. The inconvenience caused by the need to find money with each other. However, the use of stored-value cards in conjunction with the end-selling machine consumption method has the following disadvantages for consumers: Bu using the stored-value card consumption, the memory amount cannot be confirmed at any time. Is it sufficient? If you want to check out the account, you will find that the amount of memory in the stored value card is insufficient, which will cause inconvenience and embarrassing situation for the user. According to the above, an example is given when the stored value card user queues for the scheduled time. The train, when using the stored value card to deduct, suddenly found that the balance is insufficient, at this time, the stored value card users can only silently and awkwardly leave the queue, re-arrange to the window of available cash, not only delay many Unnecessary time will also cause the user's psychological unhappiness, or the stored value card user should immediately perform the cumbersome verification and stored value procedure on the stored value card, so that it will be The consumers he queued for complained and impatient, and at the same time reduced the transaction efficiency of the endpoint's sales machine. 2. Because, when storing the value, you still need to use cash. Therefore, consumers must carry enough cash or change with them in order to respond to possible stored value actions before consumption, which will not only cause inconvenience of carrying cash or change, but also cause thieves. Hey. 3. Although consumers can choose to store a large amount of money in the stored value card at one time to prevent this from happening, as long as the stored value card is lost, the risk of a large amount of loss will be incurred, especially for the purpose of use. It is convenient to carry, and various stored value cards are generally designed to be light, thin, and easy to be damaged or lost. Therefore, a large amount of money stored therein will cause a great burden on the user. 8 1352537 So how to set up (four) - shoot at any time to determine whether the value of the value is enough to touch _ loose, called the material shirt charm sales _ transaction is more difficult to scale, and make _ people in the Lai more ^ Lian ~, that is now The relevant industry is committed to research and want to solve the important issues. [Summary of the Invention]
由於’時下各種移動通訊裝置（如：行動電話、pDA… 等）非吊的普及，幾乎人手一機，故，發明人有鑑於前述 消費方式所造成之諸多問題與缺點，乃根據多年的實務經 驗及研究’ ’研發棘發明之—齡鷄通訊裝置上實 現儲值卡的驗證及讎的方法及賤置，以麟由本發明 之問世，而能對社會大眾有所貢獻。Due to the popularity of various mobile communication devices (such as mobile phones, pDA, etc.), there is almost a single hand. Therefore, the inventors have many problems and shortcomings in view of the above-mentioned consumption methods. Experience and research ''Development of the invention of the rat's invention - the method and device for realizing the verification and depreciation of the stored value card on the chicken communication device, with the advent of the present invention, can contribute to the public.
本發明之-目的，係提供一種在移動通訊裝置上實現 儲值卡的驗藏儲㈣方法及魏置，該綠係應用於— 移動通訊裝置上，包括對—儲值卡（如：接觸式或非接觸 式的儲值卡）接收-識職據，並職朗數據執行一安 全驗證，靖賴臟奴倾戦安讀證，確認該識 別數據通過後，即將雜值卡崎有之餘棚示出來並 當使用者在該移動通訊裝置上選擇欲儲值之金額後，連線 到-端點銷售機之後台管理系統，傳送該欲儲值之金額至 該後台管理系統進行扣款’成功扣款後，該後台管理系統 即會傳回確認儲值金額至該移動通訊裝置，並透過該移動 通訊裝置寫入確認儲值金額至該儲值卡内，如此，使用者 即可在任意的時間或地點’自行透過該移動通訊裝置，順 9 利實現對儲值卡完成整個驗證及儲值程序，用以確保該儲 值卡内擁有充足的餘額’使得使用者能順利的使用該儲值 卡進行交易，有效避免在交易時才發現餘額不足，進而產 生的種種_ ’令使用者*需在身上攜帶錄之現金或零 錢’也不需—次在儲針_值大4純，減少使用者攜 帶現金或零錢之不便或遺失儲值卡的心、理貞擔，大幅提升 儲值卡在使用上的安全性及便利性，亦增進了該端點銷售 機的交易效率。 為便貴審查委員能對本發明之構造、設計原理及其功 效，有更進一步之認識與瞭解，茲列舉實施例，並配合圖 式’詳細說明如下： 【實施方式】 本發明係一種在移動通訊裝置上實現儲值卡的驗證及 儲值的方献其裝置，請參㈣丨圖所^，該方法係應用 於-移動通訊裝置1G (如：行動電話、ρΜ...等）上，在 本發明之一較佳實施例中，該移動通訊裝置10包括一卡片 讀寫單元1卜-密鑰計算單元12、—$幕13、一按鍵部 14、-傳輸單元15及-記憶單元16，而該方法係使該移 動通訊裝置1G對-離卡2〇進行驗證及離，請參閱第 2圖所示’包括下列步驟： (100)首先，當使用者欲啟動該移動通訊裝置1〇對儲值 卡的驗證功能時，可壓按該按鍵部14的一功能按 鍵，此時，該卡片讀寫單元n即利用無線射頻識 別（Radio Frequency Identification，簡稱 1352537 RFID)、頻率識別或近距離無線通訊識別（NearThe object of the present invention is to provide a method for storing and storing a stored value card (4) on a mobile communication device, and a system for applying the same to a mobile communication device, including a pair of stored value cards (eg, contact type) Or non-contact stored value card) receiving - identification data, and the job data to perform a security verification, Jing Lai dirty slaves read the security card, confirm that the identification data passed, will soon be the value of the card After the user selects the amount of the value to be stored on the mobile communication device, the connection to the end point sales machine and the station management system transmits the amount of the value to be stored to the background management system for deduction. After the deduction, the back-end management system will return the confirmed stored value to the mobile communication device, and write the confirmed stored value amount to the stored value card through the mobile communication device, so that the user can be in any Time or place's self-transmission through the mobile communication device, and the entire verification and stored value procedure for the stored value card is completed to ensure that the stored value card has sufficient balance to enable the user to use the stored value smoothly.The card is traded to effectively avoid the lack of balance when the transaction is made, and the resulting _ 'so that the user* needs to carry the recorded cash or change on the body' does not need to be in the needle _ value is 4 pure, reduce the use The inconvenience of carrying cash or change or the loss of the value of the stored value card greatly enhances the security and convenience of the use of the stored value card, and also enhances the transaction efficiency of the end point vending machine. For the sake of the review board, the structure, design principle and function of the present invention can be further understood and understood. The embodiments are listed, and the detailed description is as follows: [Embodiment] The present invention is a mobile communication For the device to realize the verification and stored value of the stored value card, please refer to (4) 丨图所^, the method is applied to the mobile communication device 1G (such as: mobile phone, ρΜ, etc.) In a preferred embodiment of the present invention, the mobile communication device 10 includes a card reading and writing unit 1 - a key calculating unit 12, a screen 13, a button portion 14, a transmission unit 15, and a memory unit 16, The method is to enable the mobile communication device 1G to verify and depart from the card 2, as shown in FIG. 2, including the following steps: (100) First, when the user wants to activate the mobile communication device 1 When the verification function of the stored value card is performed, a function button of the button portion 14 can be pressed. At this time, the card reading and writing unit n uses radio frequency identification (Radio Frequency Identification, referred to as 1352537 RFID), frequency identification or short-range wireless. communication Identification (Near
Field Communication ’ 簡稱 NFC)等技術，從該 儲值卡20 (如：接觸式或非接觸式的儲值卡）接 收一識別數據； (101) 藉由該密鑰計算單元12，對該識別數據進行一安 全驗證，並判斷該識別數據是否通過該安全驗 證，若是，即進入步驟（1〇3);否則，進入步驟 (102)； (102) 在該螢幕13上，顯示出驗證失敗的結果； (103) 在該螢幕13上，顯示出驗證成功的結果，並將該 儲值卡20内之餘額顯示出來； (104) 此時，若使用者由該螢幕13上顯示的該儲值卡2〇 餘額，發現餘額不足以支付欲消費之金額時，可 藉壓按該按鍵部14的另一功能按鍵，啟動該移動 通訊裝置10對儲值卡的儲值功能，嗣，該移動通 訊裝置10將判斷使用者是否透過該按鍵部14，選 擇對該儲值卡20進行儲值，若是，進入步驟 (105)，否則，結束整個流程； (105) 該移動通訊裝置10即透過該傳輸單元15，以無線 方式，直接與一端點銷售（p〇S)機3〇之後台管 理系統31進行連線，或透過該端點銷售（p〇s) 機30，與該後台管理系統31進行連線； (106) 該移動通訊裝置10將讀取使用者透過操作該按鍵 部14 ’所輸人之儲值金額’並經由該傳輸單元15 11 1352537 傳送至該後台管理系統31 ; (107) 該後台管理系統31即會根據使用者預先登記之信 用卡資料（使用者在申請該儲值卡時，預先登記 之信用卡資料）’對使用者之信用卡進行扣款，並 判斷扣款是否成功，若是，進入步驟（1〇8)，否 則，結束整個流程； (108) 在完成扣款動作後，該移動通訊裝置，接收後 台管理系統31傳回之確認儲值金額及信用卡之扣 款資訊（如：信用卡交易的編號、時間及金額等 數據）； (109) 該傳輸單元15在接收到確認儲值之金額後，即透 過該卡片讀寫單元11，將確認儲值之金額寫回至 該儲值卡20内； (110) 嗣，藉由該記憶單元16記錄每次儲值的相關資訊 (如：儲值時間及儲值金額等數據）及信用卡的 扣款資訊（如：信用卡交易的編號、時間及金額 等數據），供日後查詢；及 (111) 在該螢幕13上顯示，寫入確認儲值之金額後的該 儲值卡20内之餘額總數。 在該實施例中，該密鑰計算單元丨2係能與一具有加密 功月匕的用戶識別卡（如：Subscriber Identity Model card ’ 簡稱 SIM 卡、Personal Identity Model card，簡 稱 PIM 卡、Universal Identity Model card，簡稱 UIM 卡… 等）相結合在一起，以透過該用戶識別卡内的加密功能， 1352537 達成更安全的驗證及交易程序。 此藉由上述本發明之方法，當使用者發現該儲值 内之餘額，不足以支付欲採購之商品款項或消費之服 務金額使用者只需透過該移動通訊裝置，即能順利 實現對該儲值卡2G域整條證及储值程序，如此，無論 使用者在何時或何地使用鋪值卡2()進行交^，均能在該 儲值卡20 _備有足_金額，以支付欲採購之商品款項 或消費之服務麵，而無需隨身攜帶錄的現金或零錢， 亦不需在該儲值卡20 _存料的錢，有效地避免攜帶 現金或零狀顿或遺失触卡之心理諸，大幅提升儲 值卡20在制上的安錄及便雛，同時，免去在交易時 發現餘額不足’造成使用者自身的不便，及其他等待交易 者之困擾’進而防止該端點銷售機3〇在發現該儲值卡2〇 内之餘額不足時，必需對值卡2G重新進行繁瑣的驗證 及儲值程序’故可令該端點銷售機30的交易過程更有效 率。 在此需特別一提者，乃在本發明的實際應用中，並不 侷限於此，在本發明的另一較佳實施例中，請參閱第i及 3圖所示，可將第2圖所示之步驟（1〇4)之儲值程序位移 至步驟（1G0)〜（103)之驗證辦前，令制者能在預知 該儲值卡20内之餘額不足時，或需要直接對該儲值卡2〇 進行儲值時’直接先透過該移動通訊裝置1〇之按鍵部14， 選擇執行儲值功能，嗣，由該卡片讀寫單元n接收欲儲值 之儲值卡20的識別數據，並依序完成步驟（1〇〇)〜（1〇3) 13 1352537 間之驗證程序及步驟（105)〜（in)間之儲值程序後，將 確認儲值之金額寫入至該儲值卡20内，且顯示在該螢幕 13上。a technology such as Field Communication 'NFC for short, receives a recognition data from the stored value card 20 (eg, a contact or non-contact stored value card); (101) the identification data is obtained by the key calculation unit 12 Performing a security verification and determining whether the identification data passes the security verification, and if so, proceeds to step (1〇3); otherwise, proceeds to step (102); (102) on the screen 13, displays the result of the verification failure. (103) On the screen 13, the result of the verification success is displayed, and the balance in the stored value card 20 is displayed; (104) At this time, if the user is displayed by the stored value card on the screen 13, 2, the balance, when the balance is found to be insufficient to pay the amount to be consumed, the other function button of the button portion 14 can be pressed to activate the stored value function of the stored value card by the mobile communication device 10, ie, the mobile communication device 10, it is determined whether the user selects the stored value card 20 through the button unit 14, and if so, proceeds to step (105); otherwise, the entire process ends; (105) the mobile communication device 10 transmits the transmission unit 15, in a wireless way Directly connected to an end point sales (p〇S) machine 3, and then connected to the background management system 31 via the end point sales (p〇s) machine 30; (106) The mobile communication device 10 will read the stored value amount of the user input by the user through the operation of the button portion 14' and transmit it to the background management system 31 via the transmission unit 15 11 1352537; (107) the background management system 31 will According to the credit card information pre-registered by the user (the credit card information pre-registered when the user applies for the stored value card), the user's credit card is debited and judged whether the deduction is successful. If yes, proceed to the step (1〇8). ), otherwise, the whole process is ended; (108) after completing the deduction action, the mobile communication device receives the confirmed stored value amount and the credit card deduction information (such as the credit card transaction number and time) returned by the background management system 31. And the amount of data, etc.; (109) after receiving the amount of the confirmed stored value, the transmission unit 15 writes back the amount of the confirmed stored value back to the stored value card 20 through the card reading and writing unit 11; )嗣, by the memory unit 16 to record information about each stored value (such as: stored value and stored value amount) and credit card deduction information (such as credit card transaction number, time and amount of data), For later inquiry; and (111) displayed on the screen 13, the total number of balances in the stored value card 20 after the amount of the stored value is written. In this embodiment, the key calculation unit 2 can be associated with a user identification card having an encryption function (eg, a Subscriber Identity Model card, referred to as a SIM card, a Personal Identity Model card, or a PIM card, a Universal Identity Model). Cards, referred to as UIM cards...etc.), are combined to achieve a more secure verification and transaction process through the encryption function in the user identification card. According to the method of the present invention, when the user finds the balance in the stored value, it is insufficient to pay for the amount of the product to be purchased or the amount of the service to be consumed, and the user can smoothly implement the storage through the mobile communication device. Value card 2G domain entire certificate and stored value program, so that no matter when or where the user uses the value card 2 () to make a payment, the stored value card 20 _ can be provided with a sufficient amount to pay If you want to purchase the goods or the service side of the purchase, you do not need to carry the cash or change with you, and you don’t need to deposit the money in the stored value card to effectively avoid carrying cash or zero or lost touch cards. Psychologically, it greatly enhances the record and free play of the stored value card 20, and at the same time, avoids the lack of balance during the transaction, which causes the user's own inconvenience, and other troubles waiting for the trader to prevent the endpoint. When the sales machine 3 finds that the balance in the stored value card 2 is insufficient, it is necessary to perform the cumbersome verification and stored value procedure on the value card 2G, so that the transaction process of the end point vending machine 30 can be made more efficient. In particular, in the practical application of the present invention, it is not limited thereto. In another preferred embodiment of the present invention, please refer to Figures i and 3, and Figure 2 can be used. Before the stored value program of the step (1〇4) shown is shifted to the verification process of steps (1G0) to (103), the controller can predict that the balance in the stored value card 20 is insufficient, or needs to directly When the stored value card 2 stores the value, the key portion of the mobile communication device 1 is directly transmitted first, and the stored value function is selected, and the card reading and writing unit n receives the identification of the stored value card 20 to be stored. Data, and sequentially complete the verification procedure between steps (1〇〇)~(1〇3) 13 1352537 and the stored procedure between steps (105)~(in), the amount of confirmed stored value is written to The stored value card 20 is displayed on the screen 13.
再者，為縮短及簡化前述儲值程序，以提升儲值程序 的效率，第2及3圖中所示的步驟（no)係可省略，令該 方法於步驟（109)中’當該卡片讀寫單元u已將確認儲 值之金額寫入至該儲值卡2〇内後，即進行步驟（iu)，將 確認儲值之金額顯示在該螢幕13上，令使用者只要確認金 額已儲存入該儲值卡2〇内，就能立刻使用該儲值卡2〇， 用以供支付欲採購之商品款項或消費之服務金額。 、上所述僅係本發明之較佳實施例，惟，本發明所 主張之權纖圍’並不局限於此，按絲悉該項技藝人士， 依據本發日骑揭露之技術内容，可㈣思及之等效變化， 均應屬不脫離本發明之保護範疇。 【圖式簡單說明】Furthermore, in order to shorten and simplify the stored value program to improve the efficiency of the stored value program, the steps (no) shown in FIGS. 2 and 3 can be omitted, and the method is performed in step (109). After the reading and writing unit u has written the amount of the confirmed stored value into the stored value card 2, the step (iu) is performed, and the amount of the confirmed stored value is displayed on the screen 13, so that the user only needs to confirm the amount has been confirmed. After being stored in the stored value card 2, the stored value card 2 can be used immediately for payment of the amount of the product to be purchased or the amount of the service. The above description is only a preferred embodiment of the present invention, but the claimed invention is not limited thereto, and according to the technical person of the present disclosure, according to the technical content of the disclosure of the date of the present invention, (4) The equivalent changes of thought should be within the protection scope of the present invention. [Simple description of the map]
第1圖所示乃本發明之移動通訊裝置之方塊示意圖； 第2圖所不乃本發明之一較佳實施例之流程圖；及 圖所示乃本發明之另—較佳實施例之流程圖。 【主要元件符號說明】 移動通訊裳置 密鑰計算單元 按鍵部......... 記憶單元...... 端點鎖售機... 11 13 15 20 31 卡片讀寫單元 螢幕............ 傳輸單元…… 儲值卡......... 後台管理系統1 is a block diagram of a mobile communication device of the present invention; FIG. 2 is a flowchart of a preferred embodiment of the present invention; and FIG. 2 is a flow chart of another preferred embodiment of the present invention. Figure. [Description of main component symbols] Mobile communication card key calculation unit button section......... Memory unit... Endpoint lock sale machine... 11 13 15 20 31 Card read/write unit Screen............ Transfer unit... Stored value card......... Background management system