M305940 八、新型說明： 【新型所屬之技術領域】 本創作係有關於一種儲值金融卡，尤其是一種可具多種 應用之儲值金融卡，在儲值金融卡上的内碼，提供系統辦識 儲值金融卡是否正確，如果内碼正確，則可進行扣款或儲值 的動作，訊息回傳至系統，經由（1 / 0)、晶片儲值至記憶體 内’金融機構系統端將會記錄此次扣款或儲值的動作。 【先前技術】 係以前的VISA卡僅限於單種使用方式，雖然也可以進 行扣款的動作，但僅限於可以使用信用卡的店家使用，若身 上並未攜帶足夠的現金，就必須一定要到能使用信用卡的店 家才能進行購物，該VISA卡無法限定使用金额，只能針對 帳戶襄有多少存款就可使用多少金額，常常讓人在不知不覺 中超過了自己所預算的花費，造成日後金錢上運用的不方 便’若給小朋友使用該VISA卡，往往該VISA卡的額度相當 大’若給小朋友使用，往往金額過大，並不適於小孩在金錢 上的需要。若給年青人，也由於金額並不小，所以往往造成 錯誤的金錢觀念。 以前搭乘大眾運輸工具的人，並無法使用該VIS A卡來 進行扣款的動作，必須再另外準備零錢或者是悠遊卡，才能 進行扣款的動作，相當的不方便，若悠遊卡金額不足時，必 須要到特定的地點才可以進行儲值的動作，而儲值的方式也 限定需用現金儲值，便利性不足。 5 M305940 ，仍存在多項的缺失，有必 所以在習知技術的應用中 要加以改進。 【新型内容】 為達到上述目的本創作中提出一種儲值金融卡，尤其是 種可具多種應用之儲值金融卡，在儲值金融卡上的内瑪， 提供系統辦識儲值金融卡是否正確，如果内碼正確，則可進 攀行扣款或儲值的動作，訊息回傳至系統，經由（1 / 、晶片 儲值至記憶體内，金融機構系統端將會記錄此次扣款或儲值 的動作。 所以本創作的目的係為解決上述習知技術上的問題，本 創作中&出一種可具多種應用之儲值金融卡，可以在鄰近自 己的自動櫃員提款機（ATM)，就可進行加值的動作，不需要 使用現金儲值，可以限定儲值金額，讓客戶方便給小朋友當 做零用金使用；該儲值金融卡也可以撥打公用電話，無須再講 _ 買電話卡或者可以用來搭乘交通運輸工具，免除了要自行準 備零錢的麻煩，也可以在商店購物結帳時使用，該儲值金融 卡具有多種應用的功能，可以讓客戶出門不需要再攜帶一大 堆卡片，減少遺失的風險。 由下文的說明可更進一步瞭解本新型的特徵及其優 點，閱讀時並請參考附圖。 【實施方式】 茲謹就本案的結構組成，及所能產生的功效與優點，配 6 M305940 ' 合圖式’舉本案之一較佳實施例詳細說明如下。 • 圖一顯示本創作第一實施例之可具有多種應用之儲值 金融卡1 ’該館值金融卡1包含下列元件： 一處理器晶片20;用於處理系統中的各項事物，係使用在 金融機構之自動櫃員提款機（ATM)系統及多種須付費之電子 裝置中， 、、 一 一記憶體1〇,連接到晶片20,用於存取系統中的相關 癱資料。該記憶體10包含一内碼區101用於儲存一内碼，為該 儲值金融卡專屬之號碼，用於辨識該儲值金融卡是否為一 ATM所可以接受之儲值金融卡；一儲值區1〇2，用於記錄儲 值的額度，以備往後使用； -一輸入/輸出機構（I / 〇)30;用於該儲值金融卡1之資料 的輸入與輪出。 請參考圖二及圖三，其中顯示本創作之系統中插卡儲值 的操作流程圖，係當將儲值金融卡1插入一 atm後，系統 • 會辦識儲值金融卡1的内碼11是否正確（步驟201)，如果内 碼11正確’將會要求輸入密碼（步驟202)，輸入正綠密碼後， ATM系統畫面將會出現功能表，詢問是否儲值（步骤203);若 要儲值’即在畫面中輸入儲值金額（步驟204);確定儲值金額 後，銀行端確認帳戶是否有足夠的金額，以進行儲值動作（步 驟205)，再將訊息回傳至ATM，經由I / 〇、及晶片儲值至 記憶體内（步驟206);儲值的動作結束後，銀行系統端將會記 錄此次儲值紀錄（步驟207)。 如圖四顯示本創作的應用流程圖，圖五為圖四流程圖相 關的元件方塊圖。其中本創作係應用於具有付費電子裝置的 7 M305940 應用蝙。使用時，將儲值金融卡插入該電子裝置的插槽後（步 驟4〇1);系統會辦識儲值金融卡内碼是否正確（步驟402); 如果内碼正確，將會要求輸入密碼（步驟403);輸入正確密碼 μ用端將會確認是否有足夠的餘額（步驟4〇4);若該儲值 益琺卡有足夠的餘額就可使用該應用端的電子裝置（步驟 〇5)，使用疋後，應用端即通知金融機構端及儲值金融卡端 同時進行扣款的動作（步驟406);當餘額用盡時，則停止使用 W亥儲值金融卡的使用（步驟407)。在另一種應用之中，客戶可 以不用輸入密碼，直接使用儲值金融卡使用該電子裝置，此 種方法適用於小額度的款項。 斯圃穴 一 創作的應用係當撥打公用电祐ϋ牙，將儲值金 卡插入後，系統會辦識儲值儲值金融卡内碼是否正確，如 内碼正確，將會要求輸入密碼，輸入正確密瑪後 ==是否有足狗的餘額，若該储值金融卡有足夠：餘 =1 ’使用完畢後’即通知金融機構端及儲值金 :自㈣時進行扣款的動作，當餘額用盡時，則停止使用， 會經由(1/0)、晶片儲值至記憶體内 錄此次使用紀錄；係在另一種應用之中，客戶可=會f 竭，直接使用儲值金融卡撥打電話。 輸入被 如圖七’本創作的應用係當搭乘大眾運輸工具的 儲值金融卡插入扣款♦餘銘 $ 、 否正確，如果内碼正=眾;==融:内碼是 行扣款的動作，若餘額不足將會:二'、，端將會進 纪愔I: 息也會經由1/〇、晶片儲值至 運^體内’系統的辨識作業相當快速，可以節省掉搭乘 “具的人必須準備零錢的麻煩，也可以節省等待上車： 8 M3 05940 ' 時間，若發現儲值金融卡餘額不足時，只要到附近ATM進· · 灯儲值的動作即可，不需要擔心身上沒有足夠現金可以儲值。 如圖八，本創作的應用係當客戶使用儲值金融卡到商店 購物結帳時，將儲值金融卡插入扣款系統機後，系統會辦識 儲值金融卡内碼是否正確，如果内碼正確，店家之扣款系統 端將會進行對此次購物結帳金額之扣款的動作，進行扣款 後，系統會顯示此次扣款後的餘額，若餘額不足系統將會顯 _ 不無法完成此次交易，訊息也會經由1/〇、晶片健值至記憶 體内，系統端也會記錄此次扣款動作；係在另一種應用之中， 客戶可以將該儲值金融卡當做給小朋友的零用金，可以隨時 更改儲值的金額，不需要擔心小朋友會過度花用，也可以避· 免掉給小朋友現金，卻容易弄不見的麻煩，替客戶增加許多 便利性。 本創作係一種可具多種應用之儲值金融卡，可以在鄰近 自己的ATM，就可進行加值的動作，不需要使用現金儲值， 可以限定儲值金額，讓客戶方便給其他人（如家中的小孩）當 ⑩，零用金使用；該儲值金融卡也可以撥打公用電話，無須再購 買電話卡或者可以用來搭乘交通運輸工具，免除了要自行準 備零錢的麻煩，也可以在商店購物結帳時使用，該儲值金融 卡具有多種應用的功能，可以讓客戶出門不需要再攜帶一 堆卡片，減少遺失的風險。 、不上所述本案人性化之體貼設計，相當符合實際需求。其 具體改進現有缺失，相較於習知技術明顯具有突破性之進夺 優點，確實具有功效之增進，且非易於達成。本案未曾公「 或揭露於國内與國外之文獻與市場上，已符合專利法規定7 9 M305940 上列詳細說明係針對本創作之一可行實施例之具體說 明，惟該實施例並非用以限制本創作之專利範圍，凡未脫離 本創作技藝精神所為之等效實施或變更，均應包含於本案之 專利範圍中。M305940 VIII. New Description: [New Technology Field] This creation department is about a stored-value financial card, especially a stored-value financial card with multiple applications, and the internal code on the stored-value financial card. If the stored value financial card is correct, if the internal code is correct, the action of deduction or stored value can be performed, and the message is transmitted back to the system, via (1 / 0), the stored value of the chip to the memory, the financial institution system will The action of this deduction or stored value will be recorded. [Prior Art] The previous VISA card is limited to a single use method. Although it can also be used for deduction, it can only be used by stores that can use credit cards. If you do not carry enough cash, you must be able to Shopping with a credit card can only be used for shopping. The VISA card cannot limit the amount of use. It can only be used for how many deposits there are in the account. It often makes people overwhelmed their budget and causes future money. Inconvenient to use 'If the VISA card is used for children, the VISA card is usually quite large. If it is used by children, the amount is too large and it is not suitable for children's money needs. If you give young people, because the amount is not small, it often leads to the wrong concept of money. Those who used to use the mass transit vehicle could not use the VIS A card to deduct the action. They must make another change or a leisure card to perform the deduction. It is quite inconvenient. If the amount of the card is insufficient. It is necessary to go to a specific place to carry out the stored value action, and the way of storing the value also limits the need to use cash to store the value, and the convenience is insufficient. 5 M305940, there are still many missing, and some must be improved in the application of the conventional technology. [New content] In order to achieve the above objectives, a stored-value financial card is proposed in this creation, especially a stored-value financial card with multiple applications. On the stored-value financial card, Neima provides the system to know whether the stored-value financial card is Correct, if the internal code is correct, you can enter the action of deduction or stored value, and the message will be transmitted back to the system. The data will be recorded on the system side of the financial institution via (1 / , wafer stored value to memory). Or the action of storing value. Therefore, the purpose of this creation is to solve the above-mentioned conventional technical problems. In this creation, a stored-value financial card with multiple applications can be used in the vicinity of its own ATM ( ATM), you can carry out the action of adding value, you do not need to use the cash stored value, you can limit the stored value, so that the customer can easily use it as a petty cash for the child; the stored value financial card can also call the public phone, no need to talk _ buy The phone card can be used to take the transportation tool, eliminating the need to prepare for the change, or use it at the store for checkout. The stored value financial card has many applications. The customer can go out without having to carry a lot of cards, and reduce the risk of loss. The features and advantages of the present invention can be further understood by the following description. Please refer to the attached drawings when reading. [Embodiment] The structural composition of the case, and the functions and advantages that can be produced, with 6 M305940 'combined type', a preferred embodiment of the present invention is described in detail below. • Figure 1 shows that the first embodiment of the present invention can have multiple applications. Stored value financial card 1 'The library value financial card 1 contains the following components: a processor chip 20; for handling various things in the system, is used in the financial institution's automatic teller machine (ATM) system and various In the electronic device for payment, a memory is connected to the chip 20 for accessing related data in the system. The memory 10 includes an inner code area 101 for storing an inner code. The exclusive number of the stored-value financial card is used to identify whether the stored-value financial card is a stored-value financial card acceptable to an ATM; a stored value area of 1〇2 is used to record the stored value for future use. ; -One Input/output mechanism (I / 〇) 30; input and rotation of the data for the stored value financial card 1. Please refer to FIG. 2 and FIG. 3, which shows the operation flow chart of the stored value of the card in the system of the present creation. When the stored value financial card 1 is inserted into an atm, the system will know whether the internal code 11 of the stored value financial card 1 is correct (step 201), and if the internal code 11 is correct 'will require a password (step 202) After inputting the positive green password, the ATM system screen will display a function table asking whether to store the value (step 203); if the value is to be stored, the stored value amount is input in the screen (step 204); after determining the stored value amount, the bank The terminal confirms whether the account has sufficient amount to perform the stored value action (step 205), and then returns the message to the ATM, stores the value into the memory via the I/〇, and the wafer (step 206); the stored value action ends. After that, the bank system side will record the stored value record (step 207). Figure 4 shows the application flow chart of this creation, and Figure 5 is a block diagram of the components related to the flow chart of Figure 4. The creation was applied to the 7 M305940 application bat with paid electronic devices. In use, the stored value financial card is inserted into the slot of the electronic device (step 4〇1); the system will know whether the stored value financial card internal code is correct (step 402); if the internal code is correct, the password will be required. (Step 403); inputting the correct password μ will confirm whether there is sufficient balance (step 4〇4); if the stored value card has sufficient balance, the electronic device of the application can be used (step 〇5) After the use, the application end notifies the financial institution end and the stored value financial card end to perform the action of deduction at the same time (step 406); when the balance is exhausted, the use of the used value of the financial card is stopped (step 407) . In another application, the customer can use the stored-value financial card directly to use the electronic device without entering a password. This method is suitable for small amounts of money. The application of the creation of the 圃 圃 一 一 拨打 拨打 拨打 拨打 一 一 一 一 一 一 一 一 一 一 一 一 一 一 一 一 一 一 一 一 一 一 一 一 一 一 一 一 一 一 一 一 一 一 一 一 一 一After inputting the correct Mima == Is there a balance of the foot dog? If the stored value of the financial card is sufficient: the remaining = 1 'After the use is completed', the financial institution and the stored value are notified: the action of deduction is made from (4), When the balance is exhausted, the use will be stopped, and the usage record will be recorded in the memory via (1/0), the stored value is stored in the memory; in another application, the customer can = use the stored value directly. The financial card makes a call. The input is shown in Figure 7 'This application is inserted into the public transport of the stored value financial card inserted deduction ♦ Yu Ming $, is correct, if the internal code is = public; == Rong: The internal code is the line deduction Action, if the balance is insufficient, there will be: 2', the end will enter the record 愔I: The interest will also pass the 1/〇, the chip stored value to the transport ^ body's system identification operation is quite fast, you can save the ride "with People must be prepared to change the trouble, you can also save waiting to get on the bus: 8 M3 05940 'Time, if you find that the stored value of the financial card balance is insufficient, as long as you go to the nearby ATM to enter the light stored value action, you do not need to worry about the body There is not enough cash to store the value. As shown in Figure 8, the application of this creation is when the customer uses the stored-value financial card to store the checkout, the system will know the stored-value financial card after inserting the stored-value financial card into the debit system. If the internal code is correct, if the internal code is correct, the store's debit system will perform the deduction of the purchase settlement amount. After the deduction, the system will display the balance after the deduction, if the balance Insufficient system will show _ can not be completed In the second transaction, the message will also be transferred to the memory via the 1/〇, chip, and the system will record the deduction action; in another application, the customer can use the stored-value financial card as a child. With petty cash, you can change the amount of stored value at any time. You don't have to worry about the children spending too much. You can avoid the trouble of giving cash to the children, but it is easy to get rid of the trouble, and add a lot of convenience to the customer. A multi-application stored-value financial card can be used to add value to your ATM. You don't need to use cash to store value, you can limit the stored value, so that customers can easily give other people (such as children at home) 10 The petty cash is used; the stored value financial card can also make a public call, no need to purchase a calling card or can be used to take a transportation vehicle, eliminating the need to prepare for change, or use it at the store shopping checkout. The value financial card has a variety of application functions, allowing customers to go out without having to carry a bunch of cards, reducing the risk of loss. The humanized design of the case is quite in line with the actual needs. The specific improvement of the existing defects is obviously a breakthrough breakthrough advantage compared with the prior art. It does have an improvement in efficiency and is not easy to achieve. The case has not been publicly disclosed or disclosed. In the domestic and foreign literature and market, it has complied with the provisions of the Patent Law. 7 9 M305940 The detailed description above is a specific description of one of the possible embodiments of this creation, but this embodiment is not intended to limit the scope of patents of this creation. Any equivalent implementation or change without departing from the spirit of this creative technique shall be included in the scope of the patent in this case.
10 M305940 【圖式簡單說明】 圖一是本創作之儲值金融卡結構方塊圖。 圖二是本創作之儲值金融卡儲值方式之示意圖。 圖三是本創作之儲值金融卡之儲值方式流程圖。 圖四是本創作之儲值金融卡之應用端使用之流程圖。 圖五是本創作之儲值金融卡之一般電子裝置與系統之 示意圖。 圖六是本創作之儲值金融卡應用功能之示意圖，顯示可 以撥打公用電話之功能。 圖七是本創作之儲值金融卡應用功能之示意圖，顯示可 以在搭乘大眾運輸工具時，使用扣款功能。 圖八疋本創作之儲值金融卡應用功能之示意圖，顯示可 以在購物結帳時，使用扣款功能。 ^ 【主要元件符號說明】 10 11 20 30 101 儲值金融卡 記憶體 内碼 處理器晶片 輸入/輸出機構（I / 〇) 内碼區 儲值區 11 10210 M305940 [Simple description of the diagram] Figure 1 is a block diagram of the stored value financial card structure of this creation. Figure 2 is a schematic diagram of the stored value of the stored value financial card. Figure 3 is a flow chart of the stored value of the stored value financial card of this creation. Figure 4 is a flow chart of the application side of the stored value financial card of this creation. Figure 5 is a schematic diagram of the general electronic device and system of the stored value financial card of the present invention. Figure 6 is a schematic diagram of the application function of the stored value financial card of the present creation, showing the function of making a public telephone call. Figure 7 is a schematic diagram of the application function of the stored value financial card of this creation, showing that the deduction function can be used when taking public transportation. Figure VIII shows a schematic diagram of the application function of the stored-value financial card of this creation, which shows that the deduction function can be used at the time of shopping checkout. ^ [Main component symbol description] 10 11 20 30 101 Stored value financial card Memory Internal code Processor chip Input/output mechanism (I / 〇) Inner code area Stored value area 11 102